S&T Bank Mortgage Lending & HMDA Data, 2025
In 2025, S&T Bank of Indiana, PA reported 4,102 mortgage applications totaling $1.2 billion, up 3% from 2024. The average application was for $293,166, and applicants reported an average income of $153,233. 64% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Pittsburgh, PA (1,826), Montgomery County-Bucks County-Chester County, PA (385) and Harrisburg-Carlisle, PA (166) (applications in parentheses).
| Mortgage Company & Address | S&T Bank 800 Philadelphia Street Po Box 190 Indiana, PA 15701 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 4,102 |
| Total Mortgage Loan Application Amount | $1,202,570,000 |
| Average Mortgage Loan Application Amount | $293,166 |
| Highest Mortgage Loan Application Amount | $25,755,000 |
| Average Applicant Income | $153,233 |
| Highest Applicant Income | $4,435,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for S&T Bank in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 1,353 | $416,355,000 | $307,000 | $22,505,000 | $153,000 | $3,057,000 |
| Home Improvement | 1,051 | $161,615,000 | $153,000 | $21,005,000 | $159,000 | $4,435,000 |
| Home Purchase | 922 | $512,630,000 | $555,000 | $25,755,000 | $155,000 | $3,253,000 |
| Other Purpose | 694 | $97,460,000 | $140,000 | $4,005,000 | $145,000 | $2,400,000 |
| Cash-out Refinancing | 82 | $14,510,000 | $176,000 | $625,000 | $133,000 | $1,690,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 3,367 | $625,995,000 | $185,000 | $5,005,000 | $149,000 | $4,435,000 |
| Not applicable | 241 | $464,915,000 | $1,929,000 | $25,755,000 | $0 | $0 |
| Black or African American | 162 | $28,690,000 | $177,000 | $1,525,000 | $122,000 | $2,090,000 |
| Not Provided | 151 | $33,105,000 | $219,000 | $2,015,000 | $215,000 | $2,329,000 |
| Asian | 118 | $38,120,000 | $323,000 | $2,005,000 | $239,000 | $1,480,000 |
| Hispanic | 52 | $10,130,000 | $194,000 | $1,115,000 | $132,000 | $616,000 |
| American Indian or Alaskan Native | 10 | $1,510,000 | $151,000 | $405,000 | $246,000 | $1,200,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $105,000 | $105,000 | $105,000 | $14,000 | $14,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 4,102 | $1,202,570,000 | $293,000 | $25,755,000 | $153,000 | $4,435,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,617 | $834,985,000 | $319,000 | $25,755,000 | $162,000 | $4,435,000 |
| Application Denied By Financial Institution | 1,205 | $197,785,000 | $164,000 | $3,205,000 | $132,000 | $3,579,000 |
| Application Withdrawn By Applicant | 158 | $126,310,000 | $799,000 | $25,375,000 | $181,000 | $3,253,000 |
| File Closed For Incompleteness | 64 | $20,290,000 | $317,000 | $1,525,000 | $172,000 | $1,200,000 |
| Application Approved But Not Accepted | 57 | $22,345,000 | $392,000 | $10,505,000 | $135,000 | $559,000 |
| Preapproval Approved but not Accepted | 1 | $855,000 | $855,000 | $855,000 | $225,000 | $225,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 2,897 | $1,004,785,000 | $346,000 | $25,755,000 | $162,000 | $4,435,000 |
| Credit History | 383 | $39,095,000 | $102,000 | $1,475,000 | $106,000 | $1,288,000 |
| Debt-To-Income Ratio | 354 | $81,870,000 | $231,000 | $1,905,000 | $94,000 | $551,000 |
| Collateral | 222 | $33,680,000 | $151,000 | $755,000 | $182,000 | $3,579,000 |
| Credit Application Incomplete | 166 | $25,090,000 | $151,000 | $1,505,000 | $170,000 | $2,400,000 |
| Other | 43 | $9,635,000 | $224,000 | $3,205,000 | $117,000 | $670,000 |
| Unverifiable Information | 34 | $8,000,000 | $235,000 | $1,205,000 | $294,000 | $2,090,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $310,000 | $155,000 | $195,000 | $78,000 | $79,000 |
| Employment History | 1 | $105,000 | $105,000 | $105,000 | $31,000 | $31,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S&T Bank's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess S&T Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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