S&T Bank Mortgage Lending & HMDA Data, 2014
In 2014, S&T Bank of Indiana, PA reported 2,105 mortgage applications totaling $309.2 million, down 35% from 2013. The average application was for $146,911, and applicants reported an average income of $70,684. 64% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Pittsburgh, PA (1,053), Johnstown, PA (110) and Altoona, PA (54) (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 | 2,105 |
| Total Mortgage Loan Application Amount | $309,249,000 |
| Average Mortgage Loan Application Amount | $146,911 |
| Highest Mortgage Loan Application Amount | $18,944,000 |
| Average Applicant Income | $70,684 |
| Highest Applicant Income | $2,711,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Allegheny, Pennsylvania | 424 | $ 83,639,000 | $ 197,261 | $ 73,000 |
| Westmoreland, Pennsylvania | 406 | $ 41,551,000 | $ 102,342 | $ 77,000 |
| Indiana, Pennsylvania | 288 | $ 27,200,000 | $ 94,444 | $ 66,000 |
| Jefferson, Pennsylvania | 228 | $ 13,850,000 | $ 60,745 | $ 58,000 |
| Armstrong, Pennsylvania | 142 | $ 9,838,000 | $ 69,281 | $ 61,000 |
| Cambria, Pennsylvania | 110 | $ 8,722,000 | $ 79,290 | $ 52,000 |
| Clearfield, Pennsylvania | 94 | $ 11,695,000 | $ 124,414 | $ 80,000 |
| Clarion, Pennsylvania | 77 | $ 4,453,000 | $ 57,831 | $ 58,000 |
| Blair, Pennsylvania | 54 | $ 6,139,000 | $ 113,685 | $ 120,000 |
| Butler, Pennsylvania | 37 | $ 5,000,000 | $ 135,135 | $ 83,000 |
| Washington, Pennsylvania | 26 | $ 5,452,000 | $ 209,692 | $ 60,000 |
| Erie, Pennsylvania | 15 | $ 2,673,000 | $ 178,200 | $ 33,000 |
| Centre, Pennsylvania | 13 | $ 2,878,000 | $ 221,384 | $ 83,000 |
| Beaver, Pennsylvania | 12 | $ 2,465,000 | $ 205,416 | $ 59,000 |
| Summit, Ohio | 11 | $ 3,381,000 | $ 307,363 | $ 37,000 |
| Stark, Ohio | 7 | $ 3,354,000 | $ 479,142 | $ 121,000 |
| Bedford, Pennsylvania | 7 | $ 786,000 | $ 112,285 | $ 73,000 |
| Elk, Pennsylvania | 7 | $ 441,000 | $ 63,000 | $ 51,000 |
| Fayette, Pennsylvania | 6 | $ 744,000 | $ 124,000 | $ 43,000 |
| Franklin, Ohio | 5 | $ 17,888,000 | $ 3,577,600 | $ 16,000 |
| Venango, Pennsylvania | 5 | $ 530,000 | $ 106,000 | $ 186,000 |
| Palm Beach, Florida | 4 | $ 908,000 | $ 227,000 | $ 179,000 |
| Forest, Pennsylvania | 4 | $ 143,000 | $ 35,750 | $ 38,000 |
| Somerset, Pennsylvania | 4 | $ 456,000 | $ 114,000 | $ 68,000 |
| Cuyahoga, Ohio | 3 | $ 10,500,000 | $ 3,500,000 | $ 0 |
| Portage, Ohio | 3 | $ 459,000 | $ 153,000 | $ 26,000 |
| Cumberland, Pennsylvania | 3 | $ 275,000 | $ 91,666 | $ 47,000 |
| Eagle, Colorado | 2 | $ 2,900,000 | $ 1,450,000 | $ 891,000 |
| Erie, New York | 2 | $ 19,288,000 | $ 9,644,000 | $ 0 |
| Mercer, Pennsylvania | 2 | $ 392,000 | $ 196,000 | $ 91,000 |
| Horry, South Carolina | 2 | $ 321,000 | $ 160,500 | $ 104,000 |
| Maricopa, Arizona | 1 | $ 1,365,000 | $ 1,365,000 | $ 85,000 |
| Los Angeles, California | 1 | $ 600,000 | $ 600,000 | $ 85,000 |
| Brevard, Florida | 1 | $ 135,000 | $ 135,000 | $ 90,000 |
| Collier, Florida | 1 | $ 300,000 | $ 300,000 | $ 39,000 |
| Hillsborough, Florida | 1 | $ 590,000 | $ 590,000 | $ 857,000 |
| Lee, Florida | 1 | $ 216,000 | $ 216,000 | $ 483,000 |
| Pinellas, Florida | 1 | $ 222,000 | $ 222,000 | $ 284,000 |
| Polk, Florida | 1 | $ 126,000 | $ 126,000 | $ 70,000 |
| Garrett, Maryland | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Sanders, Montana | 1 | $ 277,000 | $ 277,000 | $ 234,000 |
| Bergen, New Jersey | 1 | $ 80,000 | $ 80,000 | $ 132,000 |
| Essex, New Jersey | 1 | $ 2,080,000 | $ 2,080,000 | $ 1,381,000 |
| Hunterdon, New Jersey | 1 | $ 650,000 | $ 650,000 | $ 449,000 |
| Chautauqua, New York | 1 | $ 417,000 | $ 417,000 | $ 283,000 |
| Onslow, North Carolina | 1 | $ 800,000 | $ 800,000 | $ 20,000 |
| Belmont, Ohio | 1 | $ 62,000 | $ 62,000 | $ 137,000 |
| Champaign, Ohio | 1 | $ 1,850,000 | $ 1,850,000 | $ 0 |
| Delaware, Ohio | 1 | $ 150,000 | $ 150,000 | $ 120,000 |
| Guernsey, Ohio | 1 | $ 88,000 | $ 88,000 | $ 75,000 |
| Huron, Ohio | 1 | $ 2,100,000 | $ 2,100,000 | $ 0 |
| Mahoning, Ohio | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Medina, Ohio | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Tuscarawas, Ohio | 1 | $ 420,000 | $ 420,000 | $ 325,000 |
| Union, Ohio | 1 | $ 216,000 | $ 216,000 | $ 0 |
| Cameron, Pennsylvania | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Crawford, Pennsylvania | 1 | $ 7,000 | $ 7,000 | $ 37,000 |
| McKean, Pennsylvania | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Mifflin, Pennsylvania | 1 | $ 280,000 | $ 280,000 | $ 36,000 |
| York, South Carolina | 1 | $ 208,000 | $ 208,000 | $ 123,000 |
| Chesterfield, Virginia | 1 | $ 157,000 | $ 157,000 | $ 52,000 |
Mortgage Loan Application Detail Totals for S&T Bank in 2014
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 935 | $167,389,000 | $179,000 | $11,513,000 | $70,000 | $1,798,000 |
| Refinancing | 594 | $106,591,000 | $179,000 | $18,944,000 | $86,000 | $2,711,000 |
| Home Improvement | 576 | $35,269,000 | $61,000 | $8,600,000 | $56,000 | $1,093,000 |
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 | 1,399 | $153,271,000 | $109,000 | $1,500,000 | $82,000 | $2,711,000 |
| Not Provided | 430 | $29,229,000 | $67,000 | $2,100,000 | $69,000 | $867,000 |
| Not applicable | 237 | $116,795,000 | $492,000 | $18,944,000 | $0 | $0 |
| Black or African American | 13 | $3,035,000 | $233,000 | $2,080,000 | $174,000 | $1,381,000 |
| Asian | 12 | $4,971,000 | $414,000 | $1,192,000 | $189,000 | $510,000 |
| Hispanic | 11 | $1,865,000 | $169,000 | $533,000 | $107,000 | $602,000 |
| American Indian or Alaskan Native | 3 | $83,000 | $27,000 | $72,000 | $30,000 | $41,000 |
| 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) | 2,105 | $309,249,000 | $146,000 | $18,944,000 | $71,000 | $2,711,000 |
| 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 | 1,346 | $218,907,000 | $162,000 | $18,944,000 | $74,000 | $2,711,000 |
| Application Denied By Financial Institution | 378 | $39,962,000 | $105,000 | $2,100,000 | $61,000 | $1,195,000 |
| Application Approved But Not Accepted | 163 | $19,590,000 | $120,000 | $2,080,000 | $77,000 | $1,381,000 |
| Application Withdrawn By Applicant | 89 | $15,050,000 | $169,000 | $1,400,000 | $64,000 | $326,000 |
| Preapproval Denied by Financial Institution | 72 | $6,532,000 | $90,000 | $407,000 | $40,000 | $108,000 |
| File Closed For Incompleteness | 55 | $9,019,000 | $163,000 | $1,192,000 | $98,000 | $510,000 |
| Loan Purchased By The Institution | 2 | $189,000 | $94,000 | $96,000 | $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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S&T Bank's 2014 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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