S&T Bank Mortgage Lending & HMDA Data, 2017
In 2017, S&T Bank of Indiana, PA reported 2,331 mortgage applications totaling $400.0 million, down 10% from 2016. The average application was for $171,597, and applicants reported an average income of $87,250. 65% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Pittsburgh, PA (939), Harrisburg-Carlisle, PA (265) and Johnstown, PA (101) (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 | 2,331 |
| Total Mortgage Loan Application Amount | $399,993,000 |
| Average Mortgage Loan Application Amount | $171,597 |
| Highest Mortgage Loan Application Amount | $16,355,000 |
| Average Applicant Income | $87,250 |
| Highest Applicant Income | $14,000,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 421 | $ 60,304,000 | $ 143,239 | $ 62,000 |
| Westmoreland, Pennsylvania | 352 | $ 39,290,000 | $ 111,619 | $ 77,000 |
| Indiana, Pennsylvania | 238 | $ 20,871,000 | $ 87,693 | $ 61,000 |
| Jefferson, Pennsylvania | 162 | $ 10,052,000 | $ 62,049 | $ 54,000 |
| Cumberland, Pennsylvania | 152 | $ 34,877,000 | $ 229,453 | $ 121,000 |
| Dauphin, Pennsylvania | 107 | $ 22,860,000 | $ 213,644 | $ 96,000 |
| Armstrong, Pennsylvania | 106 | $ 5,357,000 | $ 50,537 | $ 60,000 |
| Cambria, Pennsylvania | 101 | $ 6,535,000 | $ 64,702 | $ 60,000 |
| Clearfield, Pennsylvania | 92 | $ 7,909,000 | $ 85,967 | $ 84,000 |
| Lancaster, Pennsylvania | 79 | $ 15,785,000 | $ 199,810 | $ 133,000 |
| Blair, Pennsylvania | 62 | $ 6,748,000 | $ 108,838 | $ 51,000 |
| York, Pennsylvania | 55 | $ 11,564,000 | $ 210,254 | $ 118,000 |
| Clarion, Pennsylvania | 54 | $ 4,624,000 | $ 85,629 | $ 93,000 |
| Butler, Pennsylvania | 21 | $ 4,013,000 | $ 191,095 | $ 60,000 |
| Summit, Ohio | 20 | $ 5,644,000 | $ 282,200 | $ 92,000 |
| Washington, Pennsylvania | 20 | $ 4,778,000 | $ 238,900 | $ 92,000 |
| Beaver, Pennsylvania | 17 | $ 2,090,000 | $ 122,941 | $ 46,000 |
| Lebanon, Pennsylvania | 15 | $ 3,674,000 | $ 244,933 | $ 90,000 |
| Franklin, Ohio | 13 | $ 23,840,000 | $ 1,833,846 | $ 51,000 |
| Lawrence, Pennsylvania | 13 | $ 1,612,000 | $ 124,000 | $ 64,000 |
| Monroe, New York | 12 | $ 8,645,000 | $ 720,416 | $ 19,000 |
| Mercer, Pennsylvania | 12 | $ 1,177,000 | $ 98,083 | $ 16,000 |
| Berks, Pennsylvania | 10 | $ 2,491,000 | $ 249,100 | $ 153,000 |
| Perry, Pennsylvania | 6 | $ 1,860,000 | $ 310,000 | $ 56,000 |
| Somerset, Pennsylvania | 6 | $ 1,279,000 | $ 213,166 | $ 227,000 |
| Centre, Pennsylvania | 5 | $ 1,305,000 | $ 261,000 | $ 303,000 |
| Philadelphia, Pennsylvania | 5 | $ 550,000 | $ 110,000 | $ 277,000 |
| Palm Beach, Florida | 4 | $ 6,628,000 | $ 1,657,000 | $ 4,191,000 |
| Portage, Ohio | 4 | $ 537,000 | $ 134,250 | $ 81,000 |
| Adams, Pennsylvania | 4 | $ 837,000 | $ 209,250 | $ 123,000 |
| Tompkins, New York | 3 | $ 24,626,000 | $ 8,208,666 | $ 0 |
| Hamilton, Ohio | 3 | $ 821,000 | $ 273,666 | $ 26,000 |
| Medina, Ohio | 3 | $ 419,000 | $ 139,666 | $ 28,000 |
| Chester, Pennsylvania | 3 | $ 462,000 | $ 154,000 | $ 112,000 |
| Elk, Pennsylvania | 3 | $ 216,000 | $ 72,000 | $ 81,000 |
| Erie, Pennsylvania | 3 | $ 294,000 | $ 98,000 | $ 47,000 |
| Franklin, Pennsylvania | 3 | $ 181,000 | $ 60,333 | $ 39,000 |
| Lehigh, Pennsylvania | 3 | $ 1,554,000 | $ 518,000 | $ 89,000 |
| Montgomery, Pennsylvania | 3 | $ 3,339,000 | $ 1,113,000 | $ 35,000 |
| Sussex, Delaware | 2 | $ 754,000 | $ 377,000 | $ 285,000 |
| Brevard, Florida | 2 | $ 255,000 | $ 127,500 | $ 77,000 |
| Lee, Florida | 2 | $ 838,000 | $ 419,000 | $ 414,000 |
| Sarasota, Florida | 2 | $ 1,104,000 | $ 552,000 | $ 1,144,000 |
| Cape May, New Jersey | 2 | $ 1,814,000 | $ 907,000 | $ 272,000 |
| Erie, New York | 2 | $ 8,069,000 | $ 4,034,500 | $ 0 |
| Brunswick, North Carolina | 2 | $ 993,000 | $ 496,500 | $ 355,000 |
| Cuyahoga, Ohio | 2 | $ 13,265,000 | $ 6,632,500 | $ 0 |
| Lake, Ohio | 2 | $ 1,728,000 | $ 864,000 | $ 45,000 |
| Mahoning, Ohio | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Stark, Ohio | 2 | $ 73,000 | $ 36,500 | $ 53,000 |
| Bedford, Pennsylvania | 2 | $ 844,000 | $ 422,000 | $ 172,000 |
| Crawford, Pennsylvania | 2 | $ 204,000 | $ 102,000 | $ 64,000 |
| Fayette, Pennsylvania | 2 | $ 237,000 | $ 118,500 | $ 123,000 |
| Greene, Pennsylvania | 2 | $ 171,000 | $ 85,500 | $ 28,000 |
| Huntingdon, Pennsylvania | 2 | $ 185,000 | $ 92,500 | $ 49,000 |
| Schuylkill, Pennsylvania | 2 | $ 285,000 | $ 142,500 | $ 197,000 |
| Horry, South Carolina | 2 | $ 230,000 | $ 115,000 | $ 132,000 |
| Hamilton, Tennessee | 2 | $ 1,210,000 | $ 605,000 | $ 40,000 |
| Ohio, West Virginia | 2 | $ 312,000 | $ 156,000 | $ 86,000 |
| San Diego, California | 1 | $ 900,000 | $ 900,000 | $ 152,000 |
| New Castle, Delaware | 1 | $ 191,000 | $ 191,000 | $ 75,000 |
| Indian River, Florida | 1 | $ 140,000 | $ 140,000 | $ 264,000 |
| Lake, Florida | 1 | $ 392,000 | $ 392,000 | $ 0 |
| Chatham, Georgia | 1 | $ 468,000 | $ 468,000 | $ 469,000 |
| Glynn, Georgia | 1 | $ 1,386,000 | $ 1,386,000 | $ 0 |
| Lowndes, Georgia | 1 | $ 69,000 | $ 69,000 | $ 18,000 |
| Starke, Indiana | 1 | $ 2,000 | $ 2,000 | $ 24,000 |
| Anne Arundel, Maryland | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Baltimore City, Maryland | 1 | $ 364,000 | $ 364,000 | $ 232,000 |
| Harford, Maryland | 1 | $ 119,000 | $ 119,000 | $ 30,000 |
| Worcester, Maryland | 1 | $ 95,000 | $ 95,000 | $ 65,000 |
| Atlantic, New Jersey | 1 | $ 40,000 | $ 40,000 | $ 60,000 |
| Essex, New Jersey | 1 | $ 584,000 | $ 584,000 | $ 1,250,000 |
| Mercer, New Jersey | 1 | $ 74,000 | $ 74,000 | $ 0 |
| New York, New York | 1 | $ 2,830,000 | $ 2,830,000 | $ 1,150,000 |
| Steuben, New York | 1 | $ 203,000 | $ 203,000 | $ 353,000 |
| Pitt, North Carolina | 1 | $ 56,000 | $ 56,000 | $ 173,000 |
| Wake, North Carolina | 1 | $ 199,000 | $ 199,000 | $ 191,000 |
| Fairfield, Ohio | 1 | $ 345,000 | $ 345,000 | $ 215,000 |
| Guernsey, Ohio | 1 | $ 20,000 | $ 20,000 | $ 73,000 |
| Muskingum, Ohio | 1 | $ 89,000 | $ 89,000 | $ 54,000 |
| Trumbull, Ohio | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Bradford, Pennsylvania | 1 | $ 148,000 | $ 148,000 | $ 37,000 |
| Clinton, Pennsylvania | 1 | $ 148,000 | $ 148,000 | $ 115,000 |
| Delaware, Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Lycoming, Pennsylvania | 1 | $ 101,000 | $ 101,000 | $ 43,000 |
| Pike, Pennsylvania | 1 | $ 204,000 | $ 204,000 | $ 335,000 |
| Tioga, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 37,000 |
| Warren, Pennsylvania | 1 | $ 64,000 | $ 64,000 | $ 259,000 |
| Charleston, South Carolina | 1 | $ 192,000 | $ 192,000 | $ 55,000 |
| Greenville, South Carolina | 1 | $ 125,000 | $ 125,000 | $ 114,000 |
| Lancaster, South Carolina | 1 | $ 126,000 | $ 126,000 | $ 81,000 |
| Sevier, Tennessee | 1 | $ 138,000 | $ 138,000 | $ 56,000 |
Mortgage Loan Application Detail Totals for S&T Bank in 2017
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 | 1,193 | $231,027,000 | $193,000 | $16,000,000 | $101,000 | $14,000,000 |
| Home Improvement | 595 | $57,984,000 | $97,000 | $16,355,000 | $59,000 | $450,000 |
| Refinancing | 543 | $110,982,000 | $204,000 | $5,400,000 | $88,000 | $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 | 1,565 | $210,700,000 | $134,000 | $2,830,000 | $90,000 | $2,000,000 |
| Not Provided | 332 | $24,787,000 | $74,000 | $800,000 | $89,000 | $1,208,000 |
| Not applicable | 328 | $137,677,000 | $419,000 | $16,355,000 | $0 | $51,000 |
| Asian | 53 | $11,530,000 | $217,000 | $909,000 | $161,000 | $712,000 |
| Black or African American | 27 | $11,222,000 | $415,000 | $2,220,000 | $784,000 | $14,000,000 |
| Hispanic | 25 | $4,007,000 | $160,000 | $400,000 | $118,000 | $1,185,000 |
| American Indian or Alaskan Native | 1 | $70,000 | $70,000 | $70,000 | $52,000 | $52,000 |
| 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) | 2,313 | $397,539,000 | $171,000 | $16,355,000 | $87,000 | $14,000,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,312,000 | $100,000 | $147,000 | $51,000 | $80,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,142,000 | $228,000 | $335,000 | $102,000 | $136,000 |
| 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 | 1,518 | $273,218,000 | $179,000 | $16,355,000 | $84,000 | $1,250,000 |
| Application Denied By Financial Institution | 333 | $32,976,000 | $99,000 | $1,744,000 | $56,000 | $442,000 |
| Application Withdrawn By Applicant | 203 | $51,148,000 | $251,000 | $16,000,000 | $164,000 | $14,000,000 |
| Application Approved But Not Accepted | 115 | $11,816,000 | $102,000 | $500,000 | $59,000 | $579,000 |
| File Closed For Incompleteness | 98 | $23,398,000 | $238,000 | $2,952,000 | $107,000 | $1,250,000 |
| Preapproval Denied by Financial Institution | 62 | $7,114,000 | $114,000 | $350,000 | $86,000 | $2,213,000 |
| Loan Purchased By The Institution | 2 | $323,000 | $161,000 | $174,000 | $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 2017 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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