S&T Bank Mortgage Lending & HMDA Data, 2012
In 2012, S&T Bank of Indiana, PA reported 3,997 mortgage applications totaling $415.3 million, up 25% from 2011. The average application was for $103,910, and applicants reported an average income of $82,771. 64% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Pittsburgh, PA (2,100), Johnstown, PA (177) and Altoona, PA (97) (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 | 3,997 |
| Total Mortgage Loan Application Amount | $415,329,000 |
| Average Mortgage Loan Application Amount | $103,910 |
| Highest Mortgage Loan Application Amount | $4,000,000 |
| Average Applicant Income | $82,771 |
| Highest Applicant Income | $2,783,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,129 | $ 119,452,000 | $ 105,803 | $ 88,000 |
| Allegheny, Pennsylvania | 663 | $ 82,621,000 | $ 124,616 | $ 98,000 |
| Indiana, Pennsylvania | 627 | $ 59,260,000 | $ 94,513 | $ 69,000 |
| Jefferson, Pennsylvania | 446 | $ 25,465,000 | $ 57,096 | $ 59,000 |
| Armstrong, Pennsylvania | 201 | $ 13,786,000 | $ 68,587 | $ 70,000 |
| Clearfield, Pennsylvania | 189 | $ 17,062,000 | $ 90,275 | $ 90,000 |
| Cambria, Pennsylvania | 177 | $ 15,017,000 | $ 84,841 | $ 70,000 |
| Clarion, Pennsylvania | 149 | $ 12,447,000 | $ 83,536 | $ 74,000 |
| Blair, Pennsylvania | 97 | $ 10,498,000 | $ 108,226 | $ 97,000 |
| Butler, Pennsylvania | 65 | $ 8,630,000 | $ 132,769 | $ 80,000 |
| Washington, Pennsylvania | 19 | $ 4,376,000 | $ 230,315 | $ 98,000 |
| Somerset, Pennsylvania | 18 | $ 3,844,000 | $ 213,555 | $ 300,000 |
| Fayette, Pennsylvania | 17 | $ 1,396,000 | $ 82,117 | $ 68,000 |
| Elk, Pennsylvania | 15 | $ 882,000 | $ 58,800 | $ 62,000 |
| Forest, Pennsylvania | 8 | $ 736,000 | $ 92,000 | $ 58,000 |
| Beaver, Pennsylvania | 6 | $ 522,000 | $ 87,000 | $ 61,000 |
| Lawrence, Pennsylvania | 5 | $ 621,000 | $ 124,200 | $ 107,000 |
| Horry, South Carolina | 5 | $ 663,000 | $ 132,600 | $ 205,000 |
| Centre, Pennsylvania | 4 | $ 639,000 | $ 159,750 | $ 100,000 |
| Mercer, Pennsylvania | 4 | $ 537,000 | $ 134,250 | $ 15,000 |
| Chautauqua, New York | 3 | $ 790,000 | $ 263,333 | $ 150,000 |
| Portage, Ohio | 3 | $ 2,902,000 | $ 967,333 | $ 0 |
| Erie, Pennsylvania | 3 | $ 614,000 | $ 204,666 | $ 150,000 |
| Huntingdon, Pennsylvania | 3 | $ 337,000 | $ 112,333 | $ 78,000 |
| Maricopa, Arizona | 2 | $ 610,000 | $ 305,000 | $ 384,000 |
| Hillsborough, Florida | 2 | $ 551,000 | $ 275,500 | $ 339,000 |
| Cuyahoga, Ohio | 2 | $ 2,300,000 | $ 1,150,000 | $ 0 |
| Summit, Ohio | 2 | $ 2,800,000 | $ 1,400,000 | $ 0 |
| Venango, Pennsylvania | 2 | $ 184,000 | $ 92,000 | $ 63,000 |
| Campbell, Virginia | 2 | $ 110,000 | $ 55,000 | $ 377,000 |
| San Diego, California | 1 | $ 656,000 | $ 656,000 | $ 194,000 |
| Lake, Colorado | 1 | $ 140,000 | $ 140,000 | $ 368,000 |
| Pitkin, Colorado | 1 | $ 2,038,000 | $ 2,038,000 | $ 1,368,000 |
| Routt, Colorado | 1 | $ 142,000 | $ 142,000 | $ 432,000 |
| Fairfield, Connecticut | 1 | $ 417,000 | $ 417,000 | $ 145,000 |
| Broward, Florida | 1 | $ 50,000 | $ 50,000 | $ 101,000 |
| Flagler, Florida | 1 | $ 300,000 | $ 300,000 | $ 92,000 |
| Indian River, Florida | 1 | $ 198,000 | $ 198,000 | $ 468,000 |
| Palm Beach, Florida | 1 | $ 171,000 | $ 171,000 | $ 111,000 |
| Walton, Florida | 1 | $ 552,000 | $ 552,000 | $ 222,000 |
| Glynn, Georgia | 1 | $ 535,000 | $ 535,000 | $ 497,000 |
| Linn, Iowa | 1 | $ 210,000 | $ 210,000 | $ 275,000 |
| Pottawattamie, Iowa | 1 | $ 119,000 | $ 119,000 | $ 89,000 |
| Baltimore, Maryland | 1 | $ 80,000 | $ 80,000 | $ 283,000 |
| Cecil, Maryland | 1 | $ 175,000 | $ 175,000 | $ 51,000 |
| Atlantic, New Jersey | 1 | $ 431,000 | $ 431,000 | $ 0 |
| Cattaraugus, New York | 1 | $ 87,000 | $ 87,000 | $ 100,000 |
| McDowell, North Carolina | 1 | $ 768,000 | $ 768,000 | $ 193,000 |
| Pender, North Carolina | 1 | $ 259,000 | $ 259,000 | $ 153,000 |
| Lorain, Ohio | 1 | $ 4,000,000 | $ 4,000,000 | $ 0 |
| Stark, Ohio | 1 | $ 1,400,000 | $ 1,400,000 | $ 0 |
| Cameron, Pennsylvania | 1 | $ 68,000 | $ 68,000 | $ 40,000 |
| Columbia, Pennsylvania | 1 | $ 168,000 | $ 168,000 | $ 110,000 |
| Crawford, Pennsylvania | 1 | $ 46,000 | $ 46,000 | $ 128,000 |
| Lancaster, Pennsylvania | 1 | $ 252,000 | $ 252,000 | $ 65,000 |
| Philadelphia, Pennsylvania | 1 | $ 10,000 | $ 10,000 | $ 32,000 |
| Prince William, Virginia | 1 | $ 148,000 | $ 148,000 | $ 132,000 |
Mortgage Loan Application Detail Totals for S&T Bank in 2012
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 | 1,966 | $262,011,000 | $133,000 | $4,000,000 | $91,000 | $2,783,000 |
| Home Improvement | 1,124 | $37,716,000 | $33,000 | $1,900,000 | $69,000 | $1,577,000 |
| Home Purchase | 907 | $115,602,000 | $127,000 | $1,508,000 | $82,000 | $1,120,000 |
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 | 3,316 | $334,880,000 | $100,000 | $2,110,000 | $85,000 | $2,783,000 |
| Not Provided | 494 | $36,256,000 | $73,000 | $2,038,000 | $79,000 | $1,368,000 |
| Not applicable | 103 | $32,404,000 | $314,000 | $4,000,000 | $0 | $0 |
| Hispanic | 29 | $4,520,000 | $155,000 | $772,000 | $182,000 | $800,000 |
| Asian | 25 | $4,071,000 | $162,000 | $790,000 | $145,000 | $637,000 |
| Black or African American | 21 | $2,376,000 | $113,000 | $650,000 | $86,000 | $392,000 |
| American Indian or Alaskan Native | 8 | $678,000 | $84,000 | $207,000 | $65,000 | $89,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $144,000 | $144,000 | $144,000 | $89,000 | $89,000 |
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) | 3,997 | $415,329,000 | $103,000 | $4,000,000 | $83,000 | $2,783,000 |
| 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 | 2,550 | $275,803,000 | $108,000 | $2,433,000 | $88,000 | $2,783,000 |
| Application Denied By Financial Institution | 768 | $58,282,000 | $75,000 | $4,000,000 | $60,000 | $743,000 |
| Application Withdrawn By Applicant | 265 | $35,288,000 | $133,000 | $2,038,000 | $92,000 | $1,368,000 |
| Application Approved But Not Accepted | 187 | $16,379,000 | $87,000 | $1,900,000 | $96,000 | $1,577,000 |
| File Closed For Incompleteness | 127 | $17,378,000 | $136,000 | $905,000 | $95,000 | $710,000 |
| Preapproval Approved but not Accepted | 79 | $10,165,000 | $128,000 | $417,000 | $76,000 | $600,000 |
| Preapproval Denied by Financial Institution | 21 | $2,034,000 | $96,000 | $580,000 | $47,000 | $250,000 |
| 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 | 363 | $18,018,000 | $49,000 | $4,000,000 | $50,000 | $250,000 |
| Debt-To-Income Ratio | 150 | $14,870,000 | $99,000 | $1,400,000 | $48,000 | $373,000 |
| Collateral | 131 | $12,194,000 | $93,000 | $390,000 | $82,000 | $743,000 |
| Other | 89 | $9,778,000 | $109,000 | $1,400,000 | $80,000 | $687,000 |
| Employment History | 20 | $1,531,000 | $76,000 | $400,000 | $44,000 | $138,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $573,000 | $95,000 | $152,000 | $62,000 | $102,000 |
| Unverifiable Information | 6 | $783,000 | $130,000 | $313,000 | $57,000 | $145,000 |
| Mortgage Insurance Denied | 5 | $595,000 | $119,000 | $250,000 | $64,000 | $110,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S&T Bank's 2012 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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