S&T Bank Mortgage Lending & HMDA Data, 2016
In 2016, S&T Bank of Indiana, PA reported 2,582 mortgage applications totaling $480.7 million, down 12% from 2015. The average application was for $186,187, and applicants reported an average income of $76,374. 71% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Pittsburgh, PA (1,015), Harrisburg-Carlisle, PA (336) and Johnstown, PA (128) (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 | 2,582 |
| Total Mortgage Loan Application Amount | $480,736,000 |
| Average Mortgage Loan Application Amount | $186,187 |
| Highest Mortgage Loan Application Amount | $26,497,000 |
| Average Applicant Income | $76,374 |
| Highest Applicant Income | $2,107,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 448 | $ 103,286,000 | $ 230,549 | $ 52,000 |
| Westmoreland, Pennsylvania | 396 | $ 46,786,000 | $ 118,146 | $ 71,000 |
| Indiana, Pennsylvania | 220 | $ 21,792,000 | $ 99,054 | $ 75,000 |
| Cumberland, Pennsylvania | 206 | $ 46,778,000 | $ 227,077 | $ 111,000 |
| Jefferson, Pennsylvania | 186 | $ 12,607,000 | $ 67,779 | $ 60,000 |
| Cambria, Pennsylvania | 128 | $ 9,814,000 | $ 76,671 | $ 57,000 |
| Dauphin, Pennsylvania | 126 | $ 25,021,000 | $ 198,579 | $ 93,000 |
| Lancaster, Pennsylvania | 98 | $ 19,753,000 | $ 201,561 | $ 135,000 |
| Clearfield, Pennsylvania | 90 | $ 10,928,000 | $ 121,422 | $ 71,000 |
| Armstrong, Pennsylvania | 73 | $ 5,775,000 | $ 79,109 | $ 67,000 |
| York, Pennsylvania | 70 | $ 15,131,000 | $ 216,157 | $ 105,000 |
| Blair, Pennsylvania | 63 | $ 8,788,000 | $ 139,492 | $ 53,000 |
| Butler, Pennsylvania | 41 | $ 6,269,000 | $ 152,902 | $ 78,000 |
| Clarion, Pennsylvania | 40 | $ 3,232,000 | $ 80,800 | $ 57,000 |
| Beaver, Pennsylvania | 31 | $ 4,823,000 | $ 155,580 | $ 62,000 |
| Centre, Pennsylvania | 31 | $ 16,123,000 | $ 520,096 | $ 143,000 |
| Washington, Pennsylvania | 21 | $ 3,961,000 | $ 188,619 | $ 83,000 |
| Monroe, New York | 18 | $ 19,867,000 | $ 1,103,722 | $ 20,000 |
| Cuyahoga, Ohio | 17 | $ 3,938,000 | $ 231,647 | $ 0 |
| Lebanon, Pennsylvania | 15 | $ 3,192,000 | $ 212,800 | $ 85,000 |
| Mercer, Pennsylvania | 13 | $ 851,000 | $ 65,461 | $ 58,000 |
| Somerset, Pennsylvania | 12 | $ 2,839,000 | $ 236,583 | $ 224,000 |
| Summit, Ohio | 11 | $ 5,157,000 | $ 468,818 | $ 79,000 |
| Franklin, Ohio | 10 | $ 22,531,000 | $ 2,253,100 | $ 14,000 |
| Bedford, Pennsylvania | 7 | $ 897,000 | $ 128,142 | $ 58,000 |
| Elk, Pennsylvania | 7 | $ 346,000 | $ 49,428 | $ 44,000 |
| Fayette, Pennsylvania | 5 | $ 608,000 | $ 121,600 | $ 79,000 |
| Lawrence, Pennsylvania | 5 | $ 263,000 | $ 52,600 | $ 0 |
| Mahoning, Ohio | 4 | $ 573,000 | $ 143,250 | $ 164,000 |
| Medina, Ohio | 4 | $ 513,000 | $ 128,250 | $ 143,000 |
| Erie, Pennsylvania | 4 | $ 3,320,000 | $ 830,000 | $ 36,000 |
| Forest, Pennsylvania | 4 | $ 89,000 | $ 22,250 | $ 41,000 |
| Perry, Pennsylvania | 4 | $ 362,000 | $ 90,500 | $ 77,000 |
| Horry, South Carolina | 4 | $ 405,000 | $ 101,250 | $ 142,000 |
| Portage, Ohio | 3 | $ 510,000 | $ 170,000 | $ 113,000 |
| Chester, Pennsylvania | 3 | $ 762,000 | $ 254,000 | $ 150,000 |
| Northumberland, Pennsylvania | 3 | $ 415,000 | $ 138,333 | $ 194,000 |
| Palm Beach, Florida | 2 | $ 1,980,000 | $ 990,000 | $ 1,483,000 |
| Essex, New Jersey | 2 | $ 1,633,000 | $ 816,500 | $ 1,250,000 |
| Erie, New York | 2 | $ 5,122,000 | $ 2,561,000 | $ 0 |
| Fairfield, Ohio | 2 | $ 4,840,000 | $ 2,420,000 | $ 0 |
| Lake, Ohio | 2 | $ 149,000 | $ 74,500 | $ 0 |
| Licking, Ohio | 2 | $ 728,000 | $ 364,000 | $ 0 |
| Montgomery, Ohio | 2 | $ 9,239,000 | $ 4,619,500 | $ 0 |
| Stark, Ohio | 2 | $ 226,000 | $ 113,000 | $ 73,000 |
| Berks, Pennsylvania | 2 | $ 356,000 | $ 178,000 | $ 154,000 |
| Huntingdon, Pennsylvania | 2 | $ 168,000 | $ 84,000 | $ 139,000 |
| Montgomery, Pennsylvania | 2 | $ 278,000 | $ 139,000 | $ 0 |
| Philadelphia, Pennsylvania | 2 | $ 336,000 | $ 168,000 | $ 0 |
| Venango, Pennsylvania | 2 | $ 75,000 | $ 37,500 | $ 30,000 |
| Maricopa, Arizona | 1 | $ 850,000 | $ 850,000 | $ 399,000 |
| San Diego, California | 1 | $ 20,000 | $ 20,000 | $ 180,000 |
| Broward, Florida | 1 | $ 675,000 | $ 675,000 | $ 0 |
| Collier, Florida | 1 | $ 58,000 | $ 58,000 | $ 87,000 |
| Escambia, Florida | 1 | $ 320,000 | $ 320,000 | $ 710,000 |
| Lee, Florida | 1 | $ 220,000 | $ 220,000 | $ 60,000 |
| Manatee, Florida | 1 | $ 67,000 | $ 67,000 | $ 145,000 |
| Osceola, Florida | 1 | $ 154,000 | $ 154,000 | $ 328,000 |
| Pinellas, Florida | 1 | $ 200,000 | $ 200,000 | $ 338,000 |
| Polk, Florida | 1 | $ 108,000 | $ 108,000 | $ 55,000 |
| Pottawattamie, Iowa | 1 | $ 114,000 | $ 114,000 | $ 99,000 |
| Baltimore, Maryland | 1 | $ 192,000 | $ 192,000 | $ 160,000 |
| Cecil, Maryland | 1 | $ 276,000 | $ 276,000 | $ 219,000 |
| Dorchester, Maryland | 1 | $ 139,000 | $ 139,000 | $ 51,000 |
| Garrett, Maryland | 1 | $ 600,000 | $ 600,000 | $ 205,000 |
| Montgomery, Maryland | 1 | $ 271,000 | $ 271,000 | $ 129,000 |
| Talbot, Maryland | 1 | $ 626,000 | $ 626,000 | $ 414,000 |
| Wayne, Michigan | 1 | $ 280,000 | $ 280,000 | $ 240,000 |
| Clark, Nevada | 1 | $ 156,000 | $ 156,000 | $ 163,000 |
| Chautauqua, New York | 1 | $ 400,000 | $ 400,000 | $ 347,000 |
| Ontario, New York | 1 | $ 5,200,000 | $ 5,200,000 | $ 0 |
| Pitt, North Carolina | 1 | $ 60,000 | $ 60,000 | $ 188,000 |
| Wake, North Carolina | 1 | $ 568,000 | $ 568,000 | $ 765,000 |
| Clark, Ohio | 1 | $ 2,104,000 | $ 2,104,000 | $ 0 |
| Delaware, Ohio | 1 | $ 314,000 | $ 314,000 | $ 157,000 |
| Hamilton, Ohio | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Marion, Ohio | 1 | $ 194,000 | $ 194,000 | $ 68,000 |
| Bucks, Pennsylvania | 1 | $ 7,000 | $ 7,000 | $ 65,000 |
| Crawford, Pennsylvania | 1 | $ 32,000 | $ 32,000 | $ 51,000 |
| Greene, Pennsylvania | 1 | $ 204,000 | $ 204,000 | $ 97,000 |
| McKean, Pennsylvania | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Schuylkill, Pennsylvania | 1 | $ 238,000 | $ 238,000 | $ 254,000 |
| Snyder, Pennsylvania | 1 | $ 226,000 | $ 226,000 | $ 122,000 |
| Tioga, Pennsylvania | 1 | $ 90,000 | $ 90,000 | $ 34,000 |
| Montgomery, Texas | 1 | $ 417,000 | $ 417,000 | $ 202,000 |
| Westmoreland, Virginia | 1 | $ 192,000 | $ 192,000 | $ 125,000 |
| Monongalia, West Virginia | 1 | $ 2,750,000 | $ 2,750,000 | $ 0 |
| Preston, West Virginia | 1 | $ 62,000 | $ 62,000 | $ 246,000 |
Mortgage Loan Application Detail Totals for S&T Bank in 2016
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 | 1,388 | $308,916,000 | $222,000 | $26,497,000 | $78,000 | $2,107,000 |
| Refinancing | 712 | $145,818,000 | $204,000 | $5,300,000 | $87,000 | $1,594,000 |
| Home Improvement | 482 | $26,002,000 | $53,000 | $4,900,000 | $56,000 | $1,250,000 |
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 | 1,747 | $253,093,000 | $144,000 | $1,615,000 | $92,000 | $2,107,000 |
| Not applicable | 367 | $175,524,000 | $478,000 | $26,497,000 | $0 | $0 |
| Not Provided | 331 | $25,631,000 | $77,000 | $792,000 | $65,000 | $436,000 |
| Asian | 85 | $19,693,000 | $231,000 | $918,000 | $135,000 | $710,000 |
| Black or African American | 28 | $2,934,000 | $104,000 | $311,000 | $73,000 | $215,000 |
| Hispanic | 23 | $3,858,000 | $167,000 | $650,000 | $86,000 | $349,000 |
| American Indian or Alaskan Native | 1 | $3,000 | $3,000 | $3,000 | $27,000 | $27,000 |
| Native Hawaiin 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) | 2,567 | $478,024,000 | $186,000 | $26,497,000 | $76,000 | $2,107,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,756,000 | $195,000 | $417,000 | $90,000 | $221,000 |
| FHA-insured (Federal Housing Administration) | 6 | $956,000 | $159,000 | $263,000 | $86,000 | $144,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,827 | $363,682,000 | $199,000 | $26,497,000 | $83,000 | $2,107,000 |
| Application Denied By Financial Institution | 232 | $28,261,000 | $121,000 | $1,519,000 | $44,000 | $710,000 |
| Application Withdrawn By Applicant | 181 | $42,345,000 | $233,000 | $5,200,000 | $83,000 | $414,000 |
| File Closed For Incompleteness | 127 | $23,516,000 | $185,000 | $1,118,000 | $81,000 | $343,000 |
| Application Approved But Not Accepted | 118 | $14,141,000 | $119,000 | $772,000 | $61,000 | $388,000 |
| Preapproval Denied by Financial Institution | 97 | $8,791,000 | $90,000 | $359,000 | $42,000 | $331,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 2016 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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