S&T Bank Mortgage Lending & HMDA Data, 2010
In 2010, S&T Bank of Indiana, PA reported 3,598 mortgage applications totaling $351.8 million, down 21% from 2009. The average application was for $97,770, and applicants reported an average income of $88,837. 65% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Pittsburgh, PA (2,090), Johnstown, PA (39) and Altoona, PA (27) (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 | 3,598 |
| Total Mortgage Loan Application Amount | $351,778,000 |
| Average Mortgage Loan Application Amount | $97,770 |
| Highest Mortgage Loan Application Amount | $13,725,000 |
| Average Applicant Income | $88,837 |
| Highest Applicant Income | $3,000,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,124 | $ 105,880,000 | $ 94,199 | $ 91,000 |
| Allegheny, Pennsylvania | 676 | $ 60,259,000 | $ 89,140 | $ 96,000 |
| Indiana, Pennsylvania | 657 | $ 70,667,000 | $ 107,560 | $ 67,000 |
| Jefferson, Pennsylvania | 421 | $ 22,729,000 | $ 53,988 | $ 93,000 |
| Armstrong, Pennsylvania | 188 | $ 13,194,000 | $ 70,180 | $ 67,000 |
| Clarion, Pennsylvania | 138 | $ 8,634,000 | $ 62,565 | $ 61,000 |
| Clearfield, Pennsylvania | 135 | $ 7,903,000 | $ 58,540 | $ 82,000 |
| Butler, Pennsylvania | 65 | $ 23,006,000 | $ 353,938 | $ 100,000 |
| Cambria, Pennsylvania | 39 | $ 3,134,000 | $ 80,358 | $ 80,000 |
| Blair, Pennsylvania | 27 | $ 3,851,000 | $ 142,629 | $ 155,000 |
| Elk, Pennsylvania | 16 | $ 882,000 | $ 55,125 | $ 51,000 |
| Beaver, Pennsylvania | 14 | $ 1,037,000 | $ 74,071 | $ 66,000 |
| Washington, Pennsylvania | 13 | $ 2,027,000 | $ 155,923 | $ 72,000 |
| Forest, Pennsylvania | 12 | $ 497,000 | $ 41,416 | $ 57,000 |
| Somerset, Pennsylvania | 12 | $ 5,176,000 | $ 431,333 | $ 447,000 |
| Fayette, Pennsylvania | 10 | $ 1,433,000 | $ 143,300 | $ 106,000 |
| Venango, Pennsylvania | 9 | $ 605,000 | $ 67,222 | $ 94,000 |
| Centre, Pennsylvania | 6 | $ 685,000 | $ 114,166 | $ 55,000 |
| Mercer, Pennsylvania | 4 | $ 617,000 | $ 154,250 | $ 167,000 |
| Lawrence, Pennsylvania | 3 | $ 270,000 | $ 90,000 | $ 97,000 |
| Pitkin, Colorado | 2 | $ 7,800,000 | $ 3,900,000 | $ 1,368,000 |
| Pima, Arizona | 1 | $ 325,000 | $ 325,000 | $ 900,000 |
| Eagle, Colorado | 1 | $ 1,500,000 | $ 1,500,000 | $ 607,000 |
| Broward, Florida | 1 | $ 126,000 | $ 126,000 | $ 77,000 |
| Collier, Florida | 1 | $ 386,000 | $ 386,000 | $ 321,000 |
| Hillsborough, Florida | 1 | $ 417,000 | $ 417,000 | $ 147,000 |
| Indian River, Florida | 1 | $ 215,000 | $ 215,000 | $ 481,000 |
| Lee, Florida | 1 | $ 1,280,000 | $ 1,280,000 | $ 285,000 |
| Manatee, Florida | 1 | $ 563,000 | $ 563,000 | $ 271,000 |
| Palm Beach, Florida | 1 | $ 148,000 | $ 148,000 | $ 302,000 |
| Seminole, Florida | 1 | $ 153,000 | $ 153,000 | $ 16,000 |
| Cobb, Georgia | 1 | $ 320,000 | $ 320,000 | $ 195,000 |
| Fulton, Georgia | 1 | $ 1,400,000 | $ 1,400,000 | $ 0 |
| Glynn, Georgia | 1 | $ 190,000 | $ 190,000 | $ 57,000 |
| Clark, Nevada | 1 | $ 780,000 | $ 780,000 | $ 1,069,000 |
| Atlantic, New Jersey | 1 | $ 550,000 | $ 550,000 | $ 239,000 |
| Erie, New York | 1 | $ 10,000 | $ 10,000 | $ 23,000 |
| Steuben, New York | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Onslow, North Carolina | 1 | $ 182,000 | $ 182,000 | $ 73,000 |
| Portage, Ohio | 1 | $ 2,000 | $ 2,000 | $ 35,000 |
| Clinton, Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 35,000 |
| Erie, Pennsylvania | 1 | $ 107,000 | $ 107,000 | $ 101,000 |
| Huntingdon, Pennsylvania | 1 | $ 130,000 | $ 130,000 | $ 127,000 |
| Montgomery, Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 45,000 |
| Philadelphia, Pennsylvania | 1 | $ 345,000 | $ 345,000 | $ 93,000 |
| Beaufort, South Carolina | 1 | $ 1,500,000 | $ 1,500,000 | $ 1,952,000 |
| Kanawha, West Virginia | 1 | $ 60,000 | $ 60,000 | $ 95,000 |
| Teton, Wyoming | 1 | $ 426,000 | $ 426,000 | $ 595,000 |
Mortgage Loan Application Detail Totals for S&T Bank in 2010
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 | 1,780 | $224,134,000 | $125,000 | $13,725,000 | $101,000 | $3,000,000 |
| Home Improvement | 1,178 | $48,287,000 | $40,000 | $12,067,000 | $72,000 | $1,092,000 |
| Home Purchase | 640 | $79,357,000 | $123,000 | $2,605,000 | $86,000 | $1,952,000 |
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 | 2,534 | $237,133,000 | $93,000 | $3,900,000 | $92,000 | $2,883,000 |
| Not Provided | 942 | $59,702,000 | $63,000 | $1,000,000 | $84,000 | $3,000,000 |
| Not applicable | 76 | $46,809,000 | $615,000 | $13,725,000 | $0 | $0 |
| Black or African American | 18 | $3,439,000 | $191,000 | $1,400,000 | $88,000 | $230,000 |
| Hispanic | 13 | $1,058,000 | $81,000 | $212,000 | $112,000 | $370,000 |
| Asian | 10 | $1,906,000 | $190,000 | $587,000 | $173,000 | $538,000 |
| American Indian or Alaskan Native | 5 | $1,731,000 | $346,000 | $1,200,000 | $339,000 | $741,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 3,596 | $351,614,000 | $97,000 | $13,725,000 | $89,000 | $3,000,000 |
| FHA-insured (Federal Housing Administration) | 2 | $164,000 | $82,000 | $90,000 | $27,000 | $29,000 |
| 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 | 2,322 | $248,518,000 | $107,000 | $13,725,000 | $89,000 | $2,087,000 |
| Application Denied By Financial Institution | 537 | $32,931,000 | $61,000 | $1,040,000 | $57,000 | $600,000 |
| Application Withdrawn By Applicant | 304 | $38,178,000 | $125,000 | $1,760,000 | $121,000 | $2,883,000 |
| File Closed For Incompleteness | 249 | $21,825,000 | $87,000 | $1,200,000 | $114,000 | $3,000,000 |
| Application Approved But Not Accepted | 186 | $10,326,000 | $55,000 | $325,000 | $89,000 | $983,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 |
|---|---|---|---|---|---|---|
| Credit History | 246 | $8,275,000 | $33,000 | $206,000 | $50,000 | $263,000 |
| Other | 108 | $12,252,000 | $113,000 | $415,000 | $65,000 | $199,000 |
| Debt-To-Income Ratio | 83 | $5,021,000 | $60,000 | $379,000 | $45,000 | $135,000 |
| Collateral | 77 | $6,517,000 | $84,000 | $1,040,000 | $84,000 | $600,000 |
| Employment History | 22 | $751,000 | $34,000 | $150,000 | $43,000 | $80,000 |
| Credit Application Incomplete | 1 | $115,000 | $115,000 | $115,000 | $43,000 | $43,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S&T Bank's 2010 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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