S&T Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
S&T Bank 2016 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 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 | $159,666 |
| Highest Mortgage Loan Application Amount | $26,497,000 |
| Average Applicant Income | $73,666 |
| Highest Applicant Income | $2,107,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 with S&T Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing S&T Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2016 breaks down S&T Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how S&T Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by S&T Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at S&T Bank's mortgage activity for 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Allegheny County Pennsylvania | 448 | $ 103,286,000 | $ 230,000 | $ 52,000 |
| Westmoreland County Pennsylvania | 396 | $ 46,786,000 | $ 118,000 | $ 71,000 |
| Indiana County Pennsylvania | 220 | $ 21,792,000 | $ 99,000 | $ 75,000 |
| Cumberland County Pennsylvania | 206 | $ 46,778,000 | $ 227,000 | $ 111,000 |
| Jefferson County Pennsylvania | 186 | $ 12,607,000 | $ 67,000 | $ 60,000 |
| Cambria County Pennsylvania | 128 | $ 9,814,000 | $ 76,000 | $ 57,000 |
| Dauphin County Pennsylvania | 126 | $ 25,021,000 | $ 198,000 | $ 93,000 |
| Lancaster County Pennsylvania | 98 | $ 19,753,000 | $ 201,000 | $ 135,000 |
| Clearfield County Pennsylvania | 90 | $ 10,928,000 | $ 121,000 | $ 71,000 |
| Armstrong County Pennsylvania | 73 | $ 5,775,000 | $ 79,000 | $ 67,000 |
| York County Pennsylvania | 70 | $ 15,131,000 | $ 216,000 | $ 105,000 |
| Blair County Pennsylvania | 63 | $ 8,788,000 | $ 139,000 | $ 53,000 |
| Butler County Pennsylvania | 41 | $ 6,269,000 | $ 152,000 | $ 78,000 |
| Clarion County Pennsylvania | 40 | $ 3,232,000 | $ 80,000 | $ 57,000 |
| Beaver County Pennsylvania | 31 | $ 4,823,000 | $ 155,000 | $ 62,000 |
| Centre County Pennsylvania | 31 | $ 16,123,000 | $ 520,000 | $ 143,000 |
| Washington County Pennsylvania | 21 | $ 3,961,000 | $ 188,000 | $ 83,000 |
| Monroe County New York | 18 | $ 19,867,000 | $ 1,103,000 | $ 20,000 |
| Cuyahoga County Ohio | 17 | $ 3,938,000 | $ 231,000 | $ 0 |
| Lebanon County Pennsylvania | 15 | $ 3,192,000 | $ 212,000 | $ 85,000 |
| Mercer County Pennsylvania | 13 | $ 851,000 | $ 65,000 | $ 58,000 |
| Somerset County Pennsylvania | 12 | $ 2,839,000 | $ 236,000 | $ 224,000 |
| Summit County Ohio | 11 | $ 5,157,000 | $ 468,000 | $ 79,000 |
| Franklin County Ohio | 10 | $ 22,531,000 | $ 2,253,000 | $ 14,000 |
| Bedford County Pennsylvania | 7 | $ 897,000 | $ 128,000 | $ 58,000 |
| Elk County Pennsylvania | 7 | $ 346,000 | $ 49,000 | $ 44,000 |
| Fayette County Pennsylvania | 5 | $ 608,000 | $ 121,000 | $ 79,000 |
| Lawrence County Pennsylvania | 5 | $ 263,000 | $ 52,000 | $ 0 |
| Mahoning County Ohio | 4 | $ 573,000 | $ 143,000 | $ 164,000 |
| Medina County Ohio | 4 | $ 513,000 | $ 128,000 | $ 143,000 |
| Erie County Pennsylvania | 4 | $ 3,320,000 | $ 830,000 | $ 36,000 |
| Forest County Pennsylvania | 4 | $ 89,000 | $ 22,000 | $ 41,000 |
| Perry County Pennsylvania | 4 | $ 362,000 | $ 90,000 | $ 77,000 |
| Horry County South Carolina | 4 | $ 405,000 | $ 101,000 | $ 142,000 |
| Portage County Ohio | 3 | $ 510,000 | $ 170,000 | $ 113,000 |
| Chester County Pennsylvania | 3 | $ 762,000 | $ 254,000 | $ 150,000 |
| Northumberland County Pennsylvania | 3 | $ 415,000 | $ 138,000 | $ 194,000 |
| Palm Beach County Florida | 2 | $ 1,980,000 | $ 990,000 | $ 1,483,000 |
| Essex County New Jersey | 2 | $ 1,633,000 | $ 816,000 | $ 1,250,000 |
| Erie County New York | 2 | $ 5,122,000 | $ 2,561,000 | $ 0 |
| Fairfield County Ohio | 2 | $ 4,840,000 | $ 2,420,000 | $ 0 |
| Lake County Ohio | 2 | $ 149,000 | $ 74,000 | $ 0 |
| Licking County Ohio | 2 | $ 728,000 | $ 364,000 | $ 0 |
| Montgomery County Ohio | 2 | $ 9,239,000 | $ 4,619,000 | $ 0 |
| Stark County Ohio | 2 | $ 226,000 | $ 113,000 | $ 73,000 |
| Berks County Pennsylvania | 2 | $ 356,000 | $ 178,000 | $ 154,000 |
| Huntingdon County Pennsylvania | 2 | $ 168,000 | $ 84,000 | $ 139,000 |
| Montgomery County Pennsylvania | 2 | $ 278,000 | $ 139,000 | $ 0 |
| Philadelphia County Pennsylvania | 2 | $ 336,000 | $ 168,000 | $ 0 |
| Venango County Pennsylvania | 2 | $ 75,000 | $ 37,000 | $ 30,000 |
| Maricopa County Arizona | 1 | $ 850,000 | $ 850,000 | $ 399,000 |
| San Diego County California | 1 | $ 20,000 | $ 20,000 | $ 180,000 |
| Broward County Florida | 1 | $ 675,000 | $ 675,000 | $ 0 |
| Collier County Florida | 1 | $ 58,000 | $ 58,000 | $ 87,000 |
| Escambia County Florida | 1 | $ 320,000 | $ 320,000 | $ 710,000 |
| Lee County Florida | 1 | $ 220,000 | $ 220,000 | $ 60,000 |
| Manatee County Florida | 1 | $ 67,000 | $ 67,000 | $ 145,000 |
| Osceola County Florida | 1 | $ 154,000 | $ 154,000 | $ 328,000 |
| Pinellas County Florida | 1 | $ 200,000 | $ 200,000 | $ 338,000 |
| Polk County Florida | 1 | $ 108,000 | $ 108,000 | $ 55,000 |
| Pottawattamie County Iowa | 1 | $ 114,000 | $ 114,000 | $ 99,000 |
| Baltimore County Maryland | 1 | $ 192,000 | $ 192,000 | $ 160,000 |
| Cecil County Maryland | 1 | $ 276,000 | $ 276,000 | $ 219,000 |
| Dorchester County Maryland | 1 | $ 139,000 | $ 139,000 | $ 51,000 |
| Garrett County Maryland | 1 | $ 600,000 | $ 600,000 | $ 205,000 |
| Montgomery County Maryland | 1 | $ 271,000 | $ 271,000 | $ 129,000 |
| Talbot County Maryland | 1 | $ 626,000 | $ 626,000 | $ 414,000 |
| Wayne County Michigan | 1 | $ 280,000 | $ 280,000 | $ 240,000 |
| Clark County Nevada | 1 | $ 156,000 | $ 156,000 | $ 163,000 |
| Chautauqua County New York | 1 | $ 400,000 | $ 400,000 | $ 347,000 |
| Ontario County New York | 1 | $ 5,200,000 | $ 5,200,000 | $ 0 |
| Pitt County North Carolina | 1 | $ 60,000 | $ 60,000 | $ 188,000 |
| Wake County North Carolina | 1 | $ 568,000 | $ 568,000 | $ 765,000 |
| Clark County Ohio | 1 | $ 2,104,000 | $ 2,104,000 | $ 0 |
| Delaware County Ohio | 1 | $ 314,000 | $ 314,000 | $ 157,000 |
| Hamilton County Ohio | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Marion County Ohio | 1 | $ 194,000 | $ 194,000 | $ 68,000 |
| Bucks County Pennsylvania | 1 | $ 7,000 | $ 7,000 | $ 65,000 |
| Crawford County Pennsylvania | 1 | $ 32,000 | $ 32,000 | $ 51,000 |
| Greene County Pennsylvania | 1 | $ 204,000 | $ 204,000 | $ 97,000 |
| McKean County Pennsylvania | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Schuylkill County Pennsylvania | 1 | $ 238,000 | $ 238,000 | $ 254,000 |
| Snyder County Pennsylvania | 1 | $ 226,000 | $ 226,000 | $ 122,000 |
| Tioga County Pennsylvania | 1 | $ 90,000 | $ 90,000 | $ 34,000 |
| Montgomery County Texas | 1 | $ 417,000 | $ 417,000 | $ 202,000 |
| Westmoreland County Virginia | 1 | $ 192,000 | $ 192,000 | $ 125,000 |
| Monongalia County West Virginia | 1 | $ 2,750,000 | $ 2,750,000 | $ 0 |
| Preston County 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.