S&T Bank Mortgage Lending & HMDA Data, 2008
In 2008, S&T Bank of Indiana, PA reported 3,097 mortgage applications totaling $230.2 million, up 11% from 2007. The average application was for $74,344, and applicants reported an average income of $78,088. 72% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Pittsburgh, PA (1,532), Altoona, PA (42) and Johnstown, PA (21) (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 | 3,097 |
| Total Mortgage Loan Application Amount | $230,246,000 |
| Average Mortgage Loan Application Amount | $74,344 |
| Highest Mortgage Loan Application Amount | $4,688,000 |
| Average Applicant Income | $78,088 |
| Highest Applicant Income | $3,473,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 775 | $ 60,509,000 | $ 78,076 | $ 79,000 |
| Indiana, Pennsylvania | 610 | $ 41,851,000 | $ 68,608 | $ 61,000 |
| Allegheny, Pennsylvania | 473 | $ 33,705,000 | $ 71,257 | $ 87,000 |
| Jefferson, Pennsylvania | 472 | $ 20,740,000 | $ 43,940 | $ 58,000 |
| Armstrong, Pennsylvania | 215 | $ 13,558,000 | $ 63,060 | $ 65,000 |
| Clearfield, Pennsylvania | 178 | $ 10,998,000 | $ 61,786 | $ 70,000 |
| Clarion, Pennsylvania | 140 | $ 10,302,000 | $ 73,585 | $ 67,000 |
| Butler, Pennsylvania | 46 | $ 5,547,000 | $ 120,586 | $ 115,000 |
| Blair, Pennsylvania | 42 | $ 5,002,000 | $ 119,095 | $ 114,000 |
| Cambria, Pennsylvania | 21 | $ 1,867,000 | $ 88,904 | $ 68,000 |
| Elk, Pennsylvania | 19 | $ 1,011,000 | $ 53,210 | $ 64,000 |
| Somerset, Pennsylvania | 12 | $ 2,586,000 | $ 215,500 | $ 252,000 |
| Fayette, Pennsylvania | 11 | $ 681,000 | $ 61,909 | $ 63,000 |
| Forest, Pennsylvania | 11 | $ 980,000 | $ 89,090 | $ 70,000 |
| Venango, Pennsylvania | 9 | $ 651,000 | $ 72,333 | $ 109,000 |
| Washington, Pennsylvania | 9 | $ 631,000 | $ 70,111 | $ 99,000 |
| Pima, Arizona | 4 | $ 1,585,000 | $ 396,250 | $ 1,868,000 |
| Centre, Pennsylvania | 4 | $ 656,000 | $ 164,000 | $ 296,000 |
| Lawrence, Pennsylvania | 4 | $ 308,000 | $ 77,000 | $ 62,000 |
| Beaver, Pennsylvania | 3 | $ 119,000 | $ 39,666 | $ 113,000 |
| Georgetown, South Carolina | 3 | $ 1,234,000 | $ 411,333 | $ 224,000 |
| Cape May, New Jersey | 2 | $ 1,900,000 | $ 950,000 | $ 321,000 |
| Huntingdon, Pennsylvania | 2 | $ 121,000 | $ 60,500 | $ 168,000 |
| Potter, Pennsylvania | 2 | $ 47,000 | $ 23,500 | $ 71,000 |
| Yavapai, Arizona | 1 | $ 25,000 | $ 25,000 | $ 170,000 |
| Pitkin, Colorado | 1 | $ 4,688,000 | $ 4,688,000 | $ 0 |
| Broward, Florida | 1 | $ 100,000 | $ 100,000 | $ 19,000 |
| Lee, Florida | 1 | $ 342,000 | $ 342,000 | $ 248,000 |
| Santa Rosa, Florida | 1 | $ 100,000 | $ 100,000 | $ 64,000 |
| Sarasota, Florida | 1 | $ 2,100,000 | $ 2,100,000 | $ 2,381,000 |
| Cook, Illinois | 1 | $ 184,000 | $ 184,000 | $ 232,000 |
| Scott, Kentucky | 1 | $ 272,000 | $ 272,000 | $ 134,000 |
| Waldo, Maine | 1 | $ 72,000 | $ 72,000 | $ 43,000 |
| Boone, Missouri | 1 | $ 208,000 | $ 208,000 | $ 60,000 |
| Essex, New Jersey | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Monmouth, New Jersey | 1 | $ 289,000 | $ 289,000 | $ 340,000 |
| Cattaraugus, New York | 1 | $ 450,000 | $ 450,000 | $ 1,219,000 |
| Chautauqua, New York | 1 | $ 300,000 | $ 300,000 | $ 1,226,000 |
| New Hanover, North Carolina | 1 | $ 2,087,000 | $ 2,087,000 | $ 314,000 |
| Jefferson, Ohio | 1 | $ 409,000 | $ 409,000 | $ 160,000 |
| Bedford, Pennsylvania | 1 | $ 149,000 | $ 149,000 | $ 65,000 |
| Berks, Pennsylvania | 1 | $ 150,000 | $ 150,000 | $ 100,000 |
| Columbia, Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 95,000 |
| Crawford, Pennsylvania | 1 | $ 80,000 | $ 80,000 | $ 88,000 |
| Cumberland, Pennsylvania | 1 | $ 4,000 | $ 4,000 | $ 160,000 |
| Erie, Pennsylvania | 1 | $ 96,000 | $ 96,000 | $ 66,000 |
| Greene, Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Lancaster, Pennsylvania | 1 | $ 2,000 | $ 2,000 | $ 10,000 |
| Mercer, Pennsylvania | 1 | $ 332,000 | $ 332,000 | $ 427,000 |
| Schuylkill, Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 80,000 |
| Horry, South Carolina | 1 | $ 303,000 | $ 303,000 | $ 44,000 |
| Prince William, Virginia | 1 | $ 144,000 | $ 144,000 | $ 118,000 |
| Marion, West Virginia | 1 | $ 307,000 | $ 307,000 | $ 95,000 |
| Monongalia, West Virginia | 1 | $ 100,000 | $ 100,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for S&T Bank in 2008
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 | 1,215 | $109,134,000 | $89,000 | $2,100,000 | $82,000 | $3,473,000 |
| Home Improvement | 1,184 | $41,091,000 | $34,000 | $353,000 | $70,000 | $1,226,000 |
| Home Purchase | 698 | $80,021,000 | $114,000 | $4,688,000 | $85,000 | $1,130,000 |
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 | 2,365 | $180,639,000 | $76,000 | $2,100,000 | $80,000 | $3,473,000 |
| Not Provided | 678 | $38,508,000 | $56,000 | $534,000 | $70,000 | $1,226,000 |
| Not applicable | 13 | $7,176,000 | $552,000 | $4,688,000 | $0 | $0 |
| Asian | 12 | $2,142,000 | $178,000 | $496,000 | $150,000 | $250,000 |
| Black or African American | 11 | $629,000 | $57,000 | $284,000 | $91,000 | $225,000 |
| Hispanic | 11 | $930,000 | $84,000 | $318,000 | $92,000 | $156,000 |
| American Indian or Alaskan Native | 6 | $203,000 | $33,000 | $114,000 | $49,000 | $91,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $19,000 | $19,000 | $19,000 | $49,000 | $49,000 |
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) | 3,097 | $230,246,000 | $74,000 | $4,688,000 | $78,000 | $3,473,000 |
| 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 | 2,223 | $174,916,000 | $78,000 | $4,688,000 | $82,000 | $3,473,000 |
| Application Denied By Financial Institution | 434 | $21,158,000 | $48,000 | $405,000 | $50,000 | $615,000 |
| Application Withdrawn By Applicant | 185 | $15,433,000 | $83,000 | $605,000 | $82,000 | $1,219,000 |
| Application Approved But Not Accepted | 178 | $12,059,000 | $67,000 | $353,000 | $90,000 | $1,226,000 |
| File Closed For Incompleteness | 76 | $6,535,000 | $85,000 | $2,087,000 | $79,000 | $314,000 |
| Preapproval Denied by Financial Institution | 1 | $145,000 | $145,000 | $145,000 | $72,000 | $72,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 227 | $8,692,000 | $38,000 | $268,000 | $52,000 | $615,000 |
| Debt-To-Income Ratio | 84 | $4,840,000 | $57,000 | $400,000 | $42,000 | $225,000 |
| Collateral | 45 | $3,328,000 | $73,000 | $250,000 | $58,000 | $215,000 |
| Employment History | 29 | $1,342,000 | $46,000 | $156,000 | $42,000 | $98,000 |
| Other | 17 | $1,250,000 | $73,000 | $405,000 | $68,000 | $220,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $326,000 | $108,000 | $153,000 | $41,000 | $57,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S&T Bank's 2008 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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