S&T Bank Mortgage Lending & HMDA Data, 2013
In 2013, S&T Bank of Indiana, PA reported 3,232 mortgage applications totaling $412.6 million, down 19% from 2012. The average application was for $127,655, and applicants reported an average income of $79,951. 65% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Pittsburgh, PA (1,734), Johnstown, PA (170) and Altoona, PA (95) (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 | 3,232 |
| Total Mortgage Loan Application Amount | $412,584,000 |
| Average Mortgage Loan Application Amount | $127,655 |
| Highest Mortgage Loan Application Amount | $5,760,000 |
| Average Applicant Income | $79,951 |
| Highest Applicant Income | $3,594,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 833 | $ 93,830,000 | $ 112,641 | $ 79,000 |
| Allegheny, Pennsylvania | 608 | $ 94,844,000 | $ 155,993 | $ 88,000 |
| Indiana, Pennsylvania | 424 | $ 41,682,000 | $ 98,306 | $ 66,000 |
| Jefferson, Pennsylvania | 323 | $ 23,914,000 | $ 74,037 | $ 64,000 |
| Armstrong, Pennsylvania | 178 | $ 12,300,000 | $ 69,101 | $ 63,000 |
| Cambria, Pennsylvania | 170 | $ 12,351,000 | $ 72,652 | $ 60,000 |
| Clearfield, Pennsylvania | 158 | $ 13,141,000 | $ 83,170 | $ 77,000 |
| Blair, Pennsylvania | 95 | $ 13,851,000 | $ 145,800 | $ 99,000 |
| Clarion, Pennsylvania | 93 | $ 5,641,000 | $ 60,655 | $ 59,000 |
| Butler, Pennsylvania | 63 | $ 9,429,000 | $ 149,666 | $ 109,000 |
| Washington, Pennsylvania | 36 | $ 6,891,000 | $ 191,416 | $ 102,000 |
| Elk, Pennsylvania | 20 | $ 919,000 | $ 45,950 | $ 55,000 |
| Somerset, Pennsylvania | 16 | $ 2,609,000 | $ 163,062 | $ 340,000 |
| Summit, Ohio | 11 | $ 5,960,000 | $ 541,818 | $ 274,000 |
| Beaver, Pennsylvania | 11 | $ 1,750,000 | $ 159,090 | $ 82,000 |
| Palm Beach, Florida | 8 | $ 2,777,000 | $ 347,125 | $ 433,000 |
| Lake, Ohio | 7 | $ 7,215,000 | $ 1,030,714 | $ 0 |
| Bedford, Pennsylvania | 7 | $ 1,496,000 | $ 213,714 | $ 31,000 |
| Cuyahoga, Ohio | 6 | $ 5,695,000 | $ 949,166 | $ 0 |
| Forest, Pennsylvania | 6 | $ 446,000 | $ 74,333 | $ 49,000 |
| Fayette, Pennsylvania | 5 | $ 468,000 | $ 93,600 | $ 75,000 |
| Erie, Pennsylvania | 4 | $ 2,076,000 | $ 519,000 | $ 0 |
| Stark, Ohio | 3 | $ 5,989,000 | $ 1,996,333 | $ 47,000 |
| Lawrence, Pennsylvania | 3 | $ 489,000 | $ 163,000 | $ 90,000 |
| Venango, Pennsylvania | 3 | $ 378,000 | $ 126,000 | $ 82,000 |
| Broward, Florida | 2 | $ 258,000 | $ 129,000 | $ 0 |
| Collier, Florida | 2 | $ 1,100,000 | $ 550,000 | $ 131,000 |
| Portage, Ohio | 2 | $ 3,195,000 | $ 1,597,500 | $ 0 |
| Huntingdon, Pennsylvania | 2 | $ 141,000 | $ 70,500 | $ 93,000 |
| Lancaster, Pennsylvania | 2 | $ 525,000 | $ 262,500 | $ 76,000 |
| Maricopa, Arizona | 1 | $ 174,000 | $ 174,000 | $ 46,000 |
| Eagle, Colorado | 1 | $ 1,200,000 | $ 1,200,000 | $ 660,000 |
| Charlotte, Florida | 1 | $ 307,000 | $ 307,000 | $ 360,000 |
| Hillsborough, Florida | 1 | $ 414,000 | $ 414,000 | $ 119,000 |
| Lee, Florida | 1 | $ 600,000 | $ 600,000 | $ 903,000 |
| Pinellas, Florida | 1 | $ 417,000 | $ 417,000 | $ 357,000 |
| Sarasota, Florida | 1 | $ 3,600,000 | $ 3,600,000 | $ 2,189,000 |
| Volusia, Florida | 1 | $ 326,000 | $ 326,000 | $ 322,000 |
| Walton, Florida | 1 | $ 180,000 | $ 180,000 | $ 99,000 |
| Cook, Illinois | 1 | $ 193,000 | $ 193,000 | $ 195,000 |
| Garrett, Maryland | 1 | $ 333,000 | $ 333,000 | $ 214,000 |
| Montgomery, Maryland | 1 | $ 281,000 | $ 281,000 | $ 109,000 |
| Broome, New York | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Erie, New York | 1 | $ 293,000 | $ 293,000 | $ 0 |
| Livingston, New York | 1 | $ 107,000 | $ 107,000 | $ 113,000 |
| Monroe, New York | 1 | $ 3,500,000 | $ 3,500,000 | $ 0 |
| Orange, New York | 1 | $ 7,000 | $ 7,000 | $ 82,000 |
| Dare, North Carolina | 1 | $ 350,000 | $ 350,000 | $ 124,000 |
| Fairfield, Ohio | 1 | $ 5,760,000 | $ 5,760,000 | $ 0 |
| Franklin, Ohio | 1 | $ 2,000,000 | $ 2,000,000 | $ 0 |
| Mahoning, Ohio | 1 | $ 52,000 | $ 52,000 | $ 183,000 |
| Montgomery, Ohio | 1 | $ 220,000 | $ 220,000 | $ 169,000 |
| Tuscarawas, Ohio | 1 | $ 110,000 | $ 110,000 | $ 150,000 |
| Centre, Pennsylvania | 1 | $ 220,000 | $ 220,000 | $ 81,000 |
| Cumberland, Pennsylvania | 1 | $ 417,000 | $ 417,000 | $ 103,000 |
| Franklin, Pennsylvania | 1 | $ 152,000 | $ 152,000 | $ 75,000 |
| Luzerne, Pennsylvania | 1 | $ 64,000 | $ 64,000 | $ 56,000 |
| McKean, Pennsylvania | 1 | $ 54,000 | $ 54,000 | $ 30,000 |
| Perry, Pennsylvania | 1 | $ 69,000 | $ 69,000 | $ 64,000 |
| Philadelphia, Pennsylvania | 1 | $ 378,000 | $ 378,000 | $ 135,000 |
| Schuylkill, Pennsylvania | 1 | $ 307,000 | $ 307,000 | $ 115,000 |
| Marion, West Virginia | 1 | $ 2,000,000 | $ 2,000,000 | $ 0 |
Mortgage Loan Application Detail Totals for S&T Bank in 2013
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 | 1,473 | $211,614,000 | $143,000 | $3,600,000 | $88,000 | $3,594,000 |
| Home Purchase | 986 | $166,571,000 | $168,000 | $5,760,000 | $82,000 | $2,189,000 |
| Home Improvement | 773 | $34,399,000 | $44,000 | $5,000,000 | $62,000 | $660,000 |
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 | 2,351 | $269,664,000 | $114,000 | $3,600,000 | $84,000 | $2,501,000 |
| Not Provided | 622 | $47,085,000 | $75,000 | $1,400,000 | $80,000 | $3,594,000 |
| Not applicable | 195 | $82,622,000 | $423,000 | $5,760,000 | $0 | $0 |
| Black or African American | 23 | $1,911,000 | $83,000 | $475,000 | $145,000 | $1,970,000 |
| Asian | 21 | $9,667,000 | $460,000 | $2,000,000 | $255,000 | $1,405,000 |
| Hispanic | 16 | $1,239,000 | $77,000 | $150,000 | $83,000 | $197,000 |
| American Indian or Alaskan Native | 3 | $366,000 | $122,000 | $282,000 | $131,000 | $272,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $30,000 | $30,000 | $30,000 | $26,000 | $26,000 |
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) | 3,232 | $412,584,000 | $127,000 | $5,760,000 | $80,000 | $3,594,000 |
| 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 | 2,091 | $287,016,000 | $137,000 | $5,760,000 | $86,000 | $3,594,000 |
| Application Denied By Financial Institution | 684 | $52,838,000 | $77,000 | $2,200,000 | $62,000 | $1,043,000 |
| Application Approved But Not Accepted | 149 | $24,899,000 | $167,000 | $5,000,000 | $72,000 | $461,000 |
| Application Withdrawn By Applicant | 131 | $19,114,000 | $145,000 | $2,000,000 | $85,000 | $899,000 |
| File Closed For Incompleteness | 78 | $11,738,000 | $150,000 | $1,400,000 | $87,000 | $357,000 |
| Preapproval Approved but not Accepted | 78 | $14,959,000 | $191,000 | $2,000,000 | $77,000 | $608,000 |
| Preapproval Denied by Financial Institution | 21 | $2,020,000 | $96,000 | $250,000 | $45,000 | $92,000 |
| 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 | 313 | $13,660,000 | $43,000 | $1,180,000 | $51,000 | $480,000 |
| Debt-To-Income Ratio | 99 | $9,749,000 | $98,000 | $2,200,000 | $41,000 | $180,000 |
| Other | 92 | $6,091,000 | $66,000 | $785,000 | $70,000 | $171,000 |
| Collateral | 81 | $7,491,000 | $92,000 | $384,000 | $81,000 | $528,000 |
| Employment History | 10 | $670,000 | $67,000 | $159,000 | $40,000 | $64,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $81,000 | $40,000 | $43,000 | $69,000 | $101,000 |
| Unverifiable Information | 2 | $262,000 | $131,000 | $200,000 | $19,000 | $25,000 |
| 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 2013 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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