S&T Bank Mortgage Lending & HMDA Data, 2011
In 2011, S&T Bank of Indiana, PA reported 3,207 mortgage applications totaling $310.1 million, down 11% from 2010. The average application was for $96,679, and applicants reported an average income of $84,111. 61% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Pittsburgh, PA (1,730), Altoona, PA (30) and Johnstown, PA (22) (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 | 3,207 |
| Total Mortgage Loan Application Amount | $310,050,000 |
| Average Mortgage Loan Application Amount | $96,679 |
| Highest Mortgage Loan Application Amount | $7,420,000 |
| Average Applicant Income | $84,111 |
| Highest Applicant Income | $2,972,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 924 | $ 93,317,000 | $ 100,992 | $ 88,000 |
| Indiana, Pennsylvania | 561 | $ 49,801,000 | $ 88,771 | $ 69,000 |
| Allegheny, Pennsylvania | 541 | $ 57,565,000 | $ 106,404 | $ 103,000 |
| Jefferson, Pennsylvania | 402 | $ 23,596,000 | $ 58,696 | $ 59,000 |
| Clearfield, Pennsylvania | 169 | $ 13,488,000 | $ 79,810 | $ 74,000 |
| Armstrong, Pennsylvania | 168 | $ 12,654,000 | $ 75,321 | $ 100,000 |
| Clarion, Pennsylvania | 140 | $ 9,285,000 | $ 66,321 | $ 66,000 |
| Butler, Pennsylvania | 64 | $ 8,074,000 | $ 126,156 | $ 75,000 |
| Blair, Pennsylvania | 30 | $ 3,221,000 | $ 107,366 | $ 77,000 |
| Elk, Pennsylvania | 25 | $ 918,000 | $ 36,720 | $ 49,000 |
| Cambria, Pennsylvania | 22 | $ 1,638,000 | $ 74,454 | $ 48,000 |
| Beaver, Pennsylvania | 14 | $ 1,133,000 | $ 80,928 | $ 78,000 |
| Washington, Pennsylvania | 13 | $ 1,905,000 | $ 146,538 | $ 136,000 |
| Somerset, Pennsylvania | 11 | $ 2,481,000 | $ 225,545 | $ 266,000 |
| Venango, Pennsylvania | 7 | $ 800,000 | $ 114,285 | $ 77,000 |
| Fayette, Pennsylvania | 6 | $ 312,000 | $ 52,000 | $ 56,000 |
| Mercer, Pennsylvania | 6 | $ 1,106,000 | $ 184,333 | $ 204,000 |
| Forest, Pennsylvania | 5 | $ 628,000 | $ 125,600 | $ 52,000 |
| Centre, Pennsylvania | 2 | $ 898,000 | $ 449,000 | $ 53,000 |
| Huntingdon, Pennsylvania | 2 | $ 237,000 | $ 118,500 | $ 60,000 |
| Lawrence, Pennsylvania | 2 | $ 160,000 | $ 80,000 | $ 40,000 |
| Chesterfield, Virginia | 2 | $ 3,000,000 | $ 1,500,000 | $ 638,000 |
| Summit, Colorado | 1 | $ 758,000 | $ 758,000 | $ 191,000 |
| Hillsborough, Florida | 1 | $ 320,000 | $ 320,000 | $ 63,000 |
| Manatee, Florida | 1 | $ 120,000 | $ 120,000 | $ 46,000 |
| Palm Beach, Florida | 1 | $ 333,000 | $ 333,000 | $ 1,430,000 |
| Marion, Indiana | 1 | $ 289,000 | $ 289,000 | $ 1,328,000 |
| Harrison, Kentucky | 1 | $ 268,000 | $ 268,000 | $ 412,000 |
| Garrett, Maryland | 1 | $ 62,000 | $ 62,000 | $ 44,000 |
| Monmouth, New Jersey | 1 | $ 166,000 | $ 166,000 | $ 340,000 |
| Monroe, New York | 1 | $ 7,420,000 | $ 7,420,000 | $ 0 |
| New York, New York | 1 | $ 3,165,000 | $ 3,165,000 | $ 1,430,000 |
| Bedford, Pennsylvania | 1 | $ 102,000 | $ 102,000 | $ 174,000 |
| Crawford, Pennsylvania | 1 | $ 57,000 | $ 57,000 | $ 84,000 |
| Cumberland, Pennsylvania | 1 | $ 233,000 | $ 233,000 | $ 116,000 |
| Delaware, Pennsylvania | 1 | $ 144,000 | $ 144,000 | $ 105,000 |
| Erie, Pennsylvania | 1 | $ 400,000 | $ 400,000 | $ 450,000 |
| Lancaster, Pennsylvania | 1 | $ 90,000 | $ 90,000 | $ 35,000 |
| McKean, Pennsylvania | 1 | $ 94,000 | $ 94,000 | $ 54,000 |
| Prince William, Virginia | 1 | $ 143,000 | $ 143,000 | $ 104,000 |
Mortgage Loan Application Detail Totals for S&T Bank in 2011
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 | 1,446 | $175,671,000 | $121,000 | $3,893,000 | $85,000 | $2,972,000 |
| Home Improvement | 1,023 | $32,063,000 | $31,000 | $539,000 | $75,000 | $1,220,000 |
| Home Purchase | 738 | $102,316,000 | $138,000 | $7,420,000 | $95,000 | $1,479,000 |
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 | 2,583 | $239,370,000 | $92,000 | $3,165,000 | $84,000 | $1,430,000 |
| Not Provided | 486 | $41,693,000 | $85,000 | $2,655,000 | $83,000 | $965,000 |
| Not applicable | 71 | $20,876,000 | $294,000 | $7,420,000 | $0 | $0 |
| Asian | 24 | $3,609,000 | $150,000 | $596,000 | $160,000 | $1,479,000 |
| Hispanic | 22 | $2,423,000 | $110,000 | $250,000 | $116,000 | $400,000 |
| Black or African American | 16 | $1,856,000 | $116,000 | $343,000 | $442,000 | $2,972,000 |
| American Indian or Alaskan Native | 4 | $219,000 | $54,000 | $60,000 | $39,000 | $111,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $4,000 | $4,000 | $4,000 | $50,000 | $50,000 |
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) | 3,207 | $310,050,000 | $96,000 | $7,420,000 | $84,000 | $2,972,000 |
| 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 | 1,943 | $192,131,000 | $98,000 | $7,420,000 | $89,000 | $2,972,000 |
| Application Denied By Financial Institution | 648 | $45,621,000 | $70,000 | $3,893,000 | $58,000 | $1,051,000 |
| Application Withdrawn By Applicant | 231 | $26,973,000 | $116,000 | $560,000 | $85,000 | $697,000 |
| Application Approved But Not Accepted | 199 | $13,458,000 | $67,000 | $300,000 | $108,000 | $942,000 |
| File Closed For Incompleteness | 113 | $22,198,000 | $196,000 | $2,655,000 | $105,000 | $965,000 |
| Preapproval Approved but not Accepted | 62 | $8,646,000 | $139,000 | $648,000 | $85,000 | $931,000 |
| Preapproval Denied by Financial Institution | 11 | $1,023,000 | $93,000 | $200,000 | $44,000 | $90,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 217 | $9,437,000 | $43,000 | $400,000 | $56,000 | $411,000 |
| Debt-To-Income Ratio | 190 | $11,307,000 | $59,000 | $500,000 | $46,000 | $203,000 |
| Other | 125 | $10,324,000 | $82,000 | $2,088,000 | $73,000 | $1,051,000 |
| Collateral | 69 | $8,933,000 | $129,000 | $1,380,000 | $86,000 | $653,000 |
| Employment History | 41 | $1,241,000 | $30,000 | $107,000 | $40,000 | $110,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $4,744,000 | $527,000 | $3,893,000 | $26,000 | $84,000 |
| Unverifiable Information | 3 | $519,000 | $173,000 | $400,000 | $49,000 | $85,000 |
| Credit Application Incomplete | 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 2011 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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