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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Westmoreland, Pennsylvania | 788 | $ 109,300,000 | $ 138,705 | $ 122,000 |
| Allegheny, Pennsylvania | 756 | $ 210,360,000 | $ 278,253 | $ 144,000 |
| Indiana, Pennsylvania | 350 | $ 34,650,000 | $ 99,000 | $ 113,000 |
| Chester, Pennsylvania | 322 | $ 83,800,000 | $ 260,248 | $ 164,000 |
| Jefferson, Pennsylvania | 248 | $ 26,020,000 | $ 104,919 | $ 85,000 |
| Cambria, Pennsylvania | 149 | $ 14,945,000 | $ 100,302 | $ 95,000 |
| Clearfield, Pennsylvania | 132 | $ 17,070,000 | $ 129,318 | $ 115,000 |
| Lancaster, Pennsylvania | 118 | $ 36,530,000 | $ 309,576 | $ 277,000 |
| Armstrong, Pennsylvania | 108 | $ 10,700,000 | $ 99,074 | $ 91,000 |
| Cumberland, Pennsylvania | 90 | $ 14,590,000 | $ 162,111 | $ 150,000 |
| Butler, Pennsylvania | 86 | $ 21,110,000 | $ 245,465 | $ 173,000 |
| Philadelphia, Pennsylvania | 85 | $ 100,215,000 | $ 1,179,000 | $ 151,000 |
| Blair, Pennsylvania | 82 | $ 14,430,000 | $ 175,975 | $ 136,000 |
| Dauphin, Pennsylvania | 71 | $ 15,215,000 | $ 214,295 | $ 165,000 |
| Delaware, Pennsylvania | 60 | $ 21,130,000 | $ 352,166 | $ 217,000 |
| Clarion, Pennsylvania | 57 | $ 6,525,000 | $ 114,473 | $ 97,000 |
| Summit, Ohio | 44 | $ 8,670,000 | $ 197,045 | $ 157,000 |
| Washington, Pennsylvania | 40 | $ 28,970,000 | $ 724,250 | $ 224,000 |
| Montgomery, Pennsylvania | 39 | $ 16,395,000 | $ 420,384 | $ 287,000 |
| Franklin, Ohio | 35 | $ 58,955,000 | $ 1,684,428 | $ 383,000 |
| Cuyahoga, Ohio | 31 | $ 68,245,000 | $ 2,201,451 | $ 185,000 |
| York, Pennsylvania | 31 | $ 7,615,000 | $ 245,645 | $ 242,000 |
| Beaver, Pennsylvania | 28 | $ 5,680,000 | $ 202,857 | $ 144,000 |
| Bucks, Pennsylvania | 24 | $ 10,570,000 | $ 440,416 | $ 294,000 |
| Delaware, Ohio | 19 | $ 9,695,000 | $ 510,263 | $ 410,000 |
| Elk, Pennsylvania | 19 | $ 2,195,000 | $ 115,526 | $ 126,000 |
| Union, Ohio | 15 | $ 6,755,000 | $ 450,333 | $ 162,000 |
| Lawrence, Pennsylvania | 14 | $ 2,510,000 | $ 179,285 | $ 140,000 |
| Cape May, New Jersey | 10 | $ 7,680,000 | $ 768,000 | $ 363,000 |
| Lebanon, Pennsylvania | 10 | $ 2,180,000 | $ 218,000 | $ 240,000 |
| Medina, Ohio | 9 | $ 5,915,000 | $ 657,222 | $ 407,000 |
| Mercer, Pennsylvania | 9 | $ 10,515,000 | $ 1,168,333 | $ 102,000 |
| Madison, Ohio | 7 | $ 21,965,000 | $ 3,137,857 | $ 315,000 |
| Centre, Pennsylvania | 7 | $ 1,605,000 | $ 229,285 | $ 267,000 |
| Bedford, Pennsylvania | 6 | $ 930,000 | $ 155,000 | $ 115,000 |
| Berks, Pennsylvania | 6 | $ 2,160,000 | $ 360,000 | $ 154,000 |
| Erie, Pennsylvania | 6 | $ 20,790,000 | $ 3,465,000 | $ 73,000 |
| Fayette, Pennsylvania | 6 | $ 3,540,000 | $ 590,000 | $ 156,000 |
| Forest, Pennsylvania | 6 | $ 490,000 | $ 81,666 | $ 100,000 |
| New Castle, Delaware | 5 | $ 665,000 | $ 133,000 | $ 56,000 |
| Franklin, Pennsylvania | 5 | $ 1,015,000 | $ 203,000 | $ 121,000 |
| Monroe, Pennsylvania | 5 | $ 4,775,000 | $ 955,000 | $ 203,000 |
| Perry, Pennsylvania | 5 | $ 565,000 | $ 113,000 | $ 147,000 |
| Sussex, Delaware | 4 | $ 4,240,000 | $ 1,060,000 | $ 392,000 |
| Palm Beach, Florida | 4 | $ 4,740,000 | $ 1,185,000 | $ 557,000 |
| Stanly, North Carolina | 4 | $ 810,000 | $ 202,500 | $ 328,000 |
| Lorain, Ohio | 4 | $ 15,640,000 | $ 3,910,000 | $ 210,000 |
| Huntingdon, Pennsylvania | 4 | $ 1,370,000 | $ 342,500 | $ 209,000 |
| Somerset, Pennsylvania | 4 | $ 500,000 | $ 125,000 | $ 221,000 |
| Venango, Pennsylvania | 4 | $ 340,000 | $ 85,000 | $ 38,000 |
| Warren, Pennsylvania | 4 | $ 750,000 | $ 187,500 | $ 166,000 |
| Collier, Florida | 3 | $ 5,695,000 | $ 1,898,333 | $ 1,001,000 |
| Lee, Florida | 3 | $ 2,935,000 | $ 978,333 | $ 213,000 |
| Burlington, New Jersey | 3 | $ 585,000 | $ 195,000 | $ 368,000 |
| Butler, Ohio | 3 | $ 1,045,000 | $ 348,333 | $ 191,000 |
| Hocking, Ohio | 3 | $ 1,375,000 | $ 458,333 | $ 257,000 |
| Logan, Ohio | 3 | $ 1,975,000 | $ 658,333 | $ 178,000 |
| Montgomery, Ohio | 3 | $ 405,000 | $ 135,000 | $ 86,000 |
| Portage, Ohio | 3 | $ 255,000 | $ 85,000 | $ 114,000 |
| Crawford, Pennsylvania | 3 | $ 415,000 | $ 138,333 | $ 131,000 |
| Frederick, Maryland | 2 | $ 1,040,000 | $ 520,000 | $ 155,000 |
| Talbot, Maryland | 2 | $ 210,000 | $ 105,000 | $ 1,188,000 |
| Atlantic, New Jersey | 2 | $ 490,000 | $ 245,000 | $ 177,000 |
| Camden, New Jersey | 2 | $ 310,000 | $ 155,000 | $ 179,000 |
| Cumberland, New Jersey | 2 | $ 1,110,000 | $ 555,000 | $ 29,000 |
| Gloucester, New Jersey | 2 | $ 450,000 | $ 225,000 | $ 124,000 |
| Morris, New Jersey | 2 | $ 1,110,000 | $ 555,000 | $ 216,000 |
| Ocean, New Jersey | 2 | $ 600,000 | $ 300,000 | $ 286,000 |
| Champaign, Ohio | 2 | $ 990,000 | $ 495,000 | $ 151,000 |
| Clark, Ohio | 2 | $ 550,000 | $ 275,000 | $ 159,000 |
| Fairfield, Ohio | 2 | $ 1,170,000 | $ 585,000 | $ 263,000 |
| Knox, Ohio | 2 | $ 1,990,000 | $ 995,000 | $ 98,000 |
| Licking, Ohio | 2 | $ 820,000 | $ 410,000 | $ 162,000 |
| Mahoning, Ohio | 2 | $ 220,000 | $ 110,000 | $ 334,000 |
| Morrow, Ohio | 2 | $ 1,030,000 | $ 515,000 | $ 127,000 |
| Pickaway, Ohio | 2 | $ 210,000 | $ 105,000 | $ 143,000 |
| Stark, Ohio | 2 | $ 260,000 | $ 130,000 | $ 274,000 |
| Lackawanna, Pennsylvania | 2 | $ 440,000 | $ 220,000 | $ 97,000 |
| Luzerne, Pennsylvania | 2 | $ 300,000 | $ 150,000 | $ 49,000 |
| Schuylkill, Pennsylvania | 2 | $ 210,000 | $ 105,000 | $ 176,000 |
| Broward, Florida | 1 | $ 5,005,000 | $ 5,005,000 | $ 4,435,000 |
| Hillsborough, Florida | 1 | $ 435,000 | $ 435,000 | $ 300,000 |
| Miami-Dade, Florida | 1 | $ 365,000 | $ 365,000 | $ 3,579,000 |
| Pinellas, Florida | 1 | $ 205,000 | $ 205,000 | $ 62,000 |
| Sarasota, Florida | 1 | $ 505,000 | $ 505,000 | $ 338,000 |
| St. Lucie, Florida | 1 | $ 285,000 | $ 285,000 | $ 36,000 |
| Chatham, Georgia | 1 | $ 395,000 | $ 395,000 | $ 1,513,000 |
| Glynn, Georgia | 1 | $ 475,000 | $ 475,000 | $ 290,000 |
| DeKalb, Indiana | 1 | $ 615,000 | $ 615,000 | $ 400,000 |
| Baltimore, Maryland | 1 | $ 305,000 | $ 305,000 | $ 1,060,000 |
| Carroll, Maryland | 1 | $ 125,000 | $ 125,000 | $ 560,000 |
| Montgomery, Maryland | 1 | $ 85,000 | $ 85,000 | $ 291,000 |
| Prince George's, Maryland | 1 | $ 3,665,000 | $ 3,665,000 | $ 0 |
| Queen Anne's, Maryland | 1 | $ 235,000 | $ 235,000 | $ 76,000 |
| Worcester, Maryland | 1 | $ 285,000 | $ 285,000 | $ 150,000 |
| Barnstable, Massachusetts | 1 | $ 505,000 | $ 505,000 | $ 296,000 |
| Lauderdale, Mississippi | 1 | $ 175,000 | $ 175,000 | $ 135,000 |
| Essex, New Jersey | 1 | $ 355,000 | $ 355,000 | $ 679,000 |
| Hunterdon, New Jersey | 1 | $ 55,000 | $ 55,000 | $ 122,000 |
| Mercer, New Jersey | 1 | $ 305,000 | $ 305,000 | $ 316,000 |
| Salem, New Jersey | 1 | $ 215,000 | $ 215,000 | $ 300,000 |
| Taos, New Mexico | 1 | $ 745,000 | $ 745,000 | $ 600,000 |
| Erie, New York | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Onslow, North Carolina | 1 | $ 1,375,000 | $ 1,375,000 | $ 1,200,000 |
| Ashland, Ohio | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Defiance, Ohio | 1 | $ 25,000 | $ 25,000 | $ 110,000 |
| Erie, Ohio | 1 | $ 13,505,000 | $ 13,505,000 | $ 0 |
| Hamilton, Ohio | 1 | $ 525,000 | $ 525,000 | $ 625,000 |
| Jefferson, Ohio | 1 | $ 195,000 | $ 195,000 | $ 153,000 |
| Lake, Ohio | 1 | $ 195,000 | $ 195,000 | $ 131,000 |
| Muskingum, Ohio | 1 | $ 455,000 | $ 455,000 | $ 200,000 |
| Noble, Ohio | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Ottawa, Ohio | 1 | $ 485,000 | $ 485,000 | $ 1,033,000 |
| Preble, Ohio | 1 | $ 195,000 | $ 195,000 | $ 113,000 |
| Richland, Ohio | 1 | $ 755,000 | $ 755,000 | $ 0 |
| Wayne, Ohio | 1 | $ 115,000 | $ 115,000 | $ 268,000 |
| Wyandot, Ohio | 1 | $ 65,000 | $ 65,000 | $ 106,000 |
| Adams, Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 71,000 |
| Cameron, Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 95,000 |
| Lycoming, Pennsylvania | 1 | $ 2,005,000 | $ 2,005,000 | $ 0 |
| Mifflin, Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 66,000 |
| Beaufort, South Carolina | 1 | $ 3,505,000 | $ 3,505,000 | $ 3,048,000 |
| Horry, South Carolina | 1 | $ 405,000 | $ 405,000 | $ 102,000 |
| Williamsburg, South Carolina | 1 | $ 115,000 | $ 115,000 | $ 49,000 |
| Davidson, Tennessee | 1 | $ 2,005,000 | $ 2,005,000 | $ 1,289,000 |
| Thurston, Washington | 1 | $ 775,000 | $ 775,000 | $ 2,329,000 |
| Berkeley, West Virginia | 1 | $ 65,000 | $ 65,000 | $ 150,000 |
| Jefferson, West Virginia | 1 | $ 125,000 | $ 125,000 | $ 135,000 |
| Monongalia, West Virginia | 1 | $ 35,000 | $ 35,000 | $ 212,000 |
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.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.
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