S&T Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
S&T Bank 2018 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 | 4,421 |
| Total Mortgage Loan Application Amount | $737,385,000 |
| Average Mortgage Loan Application Amount | $149,333 |
| Highest Mortgage Loan Application Amount | $22,065,000 |
| Average Applicant Income | $89,333 |
| Highest Applicant Income | $7,767,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | 818 | $ 121,480,000 | $ 148,000 | $ 113,000 |
| Westmoreland County Pennsylvania | 808 | $ 79,110,000 | $ 97,000 | $ 98,000 |
| Indiana County Pennsylvania | 379 | $ 32,785,000 | $ 86,000 | $ 85,000 |
| Jefferson County Pennsylvania | 252 | $ 20,110,000 | $ 79,000 | $ 71,000 |
| Dauphin County Pennsylvania | 182 | $ 28,940,000 | $ 159,000 | $ 131,000 |
| Cambria County Pennsylvania | 163 | $ 13,085,000 | $ 80,000 | $ 77,000 |
| Cumberland County Pennsylvania | 162 | $ 44,350,000 | $ 273,000 | $ 144,000 |
| Clearfield County Pennsylvania | 150 | $ 14,840,000 | $ 98,000 | $ 95,000 |
| Armstrong County Pennsylvania | 143 | $ 10,485,000 | $ 73,000 | $ 72,000 |
| Lancaster County Pennsylvania | 136 | $ 31,610,000 | $ 232,000 | $ 155,000 |
| Blair County Pennsylvania | 104 | $ 9,790,000 | $ 94,000 | $ 102,000 |
| Clarion County Pennsylvania | 78 | $ 6,230,000 | $ 79,000 | $ 86,000 |
| York County Pennsylvania | 71 | $ 10,855,000 | $ 152,000 | $ 113,000 |
| Butler County Pennsylvania | 59 | $ 11,645,000 | $ 197,000 | $ 160,000 |
| Summit County Ohio | 58 | $ 9,010,000 | $ 155,000 | $ 133,000 |
| Washington County Pennsylvania | 42 | $ 7,120,000 | $ 169,000 | $ 150,000 |
| Beaver County Pennsylvania | 24 | $ 2,380,000 | $ 99,000 | $ 101,000 |
| Franklin County Ohio | 18 | $ 43,970,000 | $ 2,442,000 | $ 49,000 |
| Lebanon County Pennsylvania | 18 | $ 3,250,000 | $ 180,000 | $ 102,000 |
| Monroe County New York | 17 | $ 10,535,000 | $ 619,000 | $ 44,000 |
| Lawrence County Pennsylvania | 16 | $ 1,140,000 | $ 71,000 | $ 85,000 |
| Somerset County Pennsylvania | 15 | $ 1,795,000 | $ 119,000 | $ 166,000 |
| Elk County Pennsylvania | 12 | $ 1,000,000 | $ 83,000 | $ 81,000 |
| Fayette County Pennsylvania | 10 | $ 1,290,000 | $ 129,000 | $ 85,000 |
| Mercer County Pennsylvania | 10 | $ 1,940,000 | $ 194,000 | $ 261,000 |
| Perry County Pennsylvania | 8 | $ 950,000 | $ 118,000 | $ 108,000 |
| Cuyahoga County Ohio | 7 | $ 1,115,000 | $ 159,000 | $ 138,000 |
| Chester County Pennsylvania | 7 | $ 2,035,000 | $ 290,000 | $ 146,000 |
| Bedford County Pennsylvania | 6 | $ 1,810,000 | $ 301,000 | $ 95,000 |
| Berks County Pennsylvania | 6 | $ 740,000 | $ 123,000 | $ 172,000 |
| Forest County Pennsylvania | 6 | $ 400,000 | $ 66,000 | $ 44,000 |
| Philadelphia County Pennsylvania | 6 | $ 1,800,000 | $ 300,000 | $ 229,000 |
| Adams County Pennsylvania | 5 | $ 1,495,000 | $ 299,000 | $ 198,000 |
| Erie County Pennsylvania | 5 | $ 1,095,000 | $ 219,000 | $ 176,000 |
| Lorain County Ohio | 4 | $ 16,970,000 | $ 4,242,000 | $ 207,000 |
| Mahoning County Ohio | 4 | $ 670,000 | $ 167,000 | $ 69,000 |
| Portage County Ohio | 4 | $ 600,000 | $ 150,000 | $ 118,000 |
| Huntingdon County Pennsylvania | 4 | $ 790,000 | $ 197,000 | $ 147,000 |
| Medina County Ohio | 3 | $ 525,000 | $ 175,000 | $ 68,000 |
| Centre County Pennsylvania | 3 | $ 1,115,000 | $ 371,000 | $ 245,000 |
| Crawford County Pennsylvania | 3 | $ 645,000 | $ 215,000 | $ 201,000 |
| Venango County Pennsylvania | 3 | $ 215,000 | $ 71,000 | $ 82,000 |
| Monongalia County West Virginia | 3 | $ 7,225,000 | $ 2,408,000 | $ 60,000 |
| Maricopa County Arizona | 2 | $ 780,000 | $ 390,000 | $ 195,000 |
| Sussex County Delaware | 2 | $ 670,000 | $ 335,000 | $ 129,000 |
| Palm Beach County Florida | 2 | $ 590,000 | $ 295,000 | $ 423,000 |
| Sarasota County Florida | 2 | $ 240,000 | $ 120,000 | $ 74,000 |
| York County Maine | 2 | $ 400,000 | $ 200,000 | $ 680,000 |
| Garrett County Maryland | 2 | $ 690,000 | $ 345,000 | $ 91,000 |
| Worcester County Maryland | 2 | $ 370,000 | $ 185,000 | $ 305,000 |
| Wayne County Michigan | 2 | $ 80,000 | $ 40,000 | $ 42,000 |
| Cape May County New Jersey | 2 | $ 1,820,000 | $ 910,000 | $ 7,767,000 |
| Hudson County New Jersey | 2 | $ 960,000 | $ 480,000 | $ 0 |
| Steuben County New York | 2 | $ 430,000 | $ 215,000 | $ 244,000 |
| Tompkins County New York | 2 | $ 10,120,000 | $ 5,060,000 | $ 75,000 |
| Delaware County Ohio | 2 | $ 17,510,000 | $ 8,755,000 | $ 0 |
| Hamilton County Ohio | 2 | $ 700,000 | $ 350,000 | $ 57,000 |
| Lake County Ohio | 2 | $ 410,000 | $ 205,000 | $ 108,000 |
| Madison County Ohio | 2 | $ 2,060,000 | $ 1,030,000 | $ 0 |
| Stark County Ohio | 2 | $ 230,000 | $ 115,000 | $ 114,000 |
| Greene County Pennsylvania | 2 | $ 320,000 | $ 160,000 | $ 41,000 |
| Mifflin County Pennsylvania | 2 | $ 190,000 | $ 95,000 | $ 20,000 |
| Montgomery County Pennsylvania | 2 | $ 990,000 | $ 495,000 | $ 465,000 |
| Ohio County West Virginia | 2 | $ 90,000 | $ 45,000 | $ 62,000 |
| El Paso County Colorado | 1 | $ 195,000 | $ 195,000 | $ 91,000 |
| New Castle County Delaware | 1 | $ 805,000 | $ 805,000 | $ 0 |
| Brevard County Florida | 1 | $ 75,000 | $ 75,000 | $ 170,000 |
| Broward County Florida | 1 | $ 255,000 | $ 255,000 | $ 436,000 |
| Collier County Florida | 1 | $ 805,000 | $ 805,000 | $ 275,000 |
| Lee County Florida | 1 | $ 155,000 | $ 155,000 | $ 39,000 |
| Marion County Florida | 1 | $ 75,000 | $ 75,000 | $ 57,000 |
| Monroe County Florida | 1 | $ 305,000 | $ 305,000 | $ 99,000 |
| Orange County Florida | 1 | $ 355,000 | $ 355,000 | $ 302,000 |
| Pinellas County Florida | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Scott County Kentucky | 1 | $ 395,000 | $ 395,000 | $ 155,000 |
| Cecil County Maryland | 1 | $ 345,000 | $ 345,000 | $ 92,000 |
| Frederick County Maryland | 1 | $ 1,475,000 | $ 1,475,000 | $ 0 |
| Norfolk County Massachusetts | 1 | $ 405,000 | $ 405,000 | $ 189,000 |
| Clark County Nevada | 1 | $ 215,000 | $ 215,000 | $ 190,000 |
| Rockingham County New Hampshire | 1 | $ 305,000 | $ 305,000 | $ 882,000 |
| Bernalillo County New Mexico | 1 | $ 1,235,000 | $ 1,235,000 | $ 0 |
| Dutchess County New York | 1 | $ 15,005,000 | $ 15,005,000 | $ 0 |
| Erie County New York | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Onondaga County New York | 1 | $ 165,000 | $ 165,000 | $ 54,000 |
| Wayne County New York | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Wake County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 482,000 |
| Columbiana County Ohio | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Erie County Ohio | 1 | $ 315,000 | $ 315,000 | $ 240,000 |
| Greene County Ohio | 1 | $ 9,495,000 | $ 9,495,000 | $ 0 |
| Highland County Ohio | 1 | $ 805,000 | $ 805,000 | $ 452,000 |
| Huron County Ohio | 1 | $ 725,000 | $ 725,000 | $ 0 |
| Licking County Ohio | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Union County Ohio | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Wayne County Ohio | 1 | $ 35,000 | $ 35,000 | $ 26,000 |
| Columbia County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 200,000 |
| Franklin County Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 70,000 |
| Lehigh County Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 265,000 |
| Luzerne County Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 50,000 |
| Schuylkill County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 98,000 |
| Union County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Charleston County South Carolina | 1 | $ 615,000 | $ 615,000 | $ 388,000 |
| Hamilton County Tennessee | 1 | $ 225,000 | $ 225,000 | $ 199,000 |
| Dallas County Texas | 1 | $ 365,000 | $ 365,000 | $ 725,000 |
| Fairfax County Virginia | 1 | $ 155,000 | $ 155,000 | $ 87,000 |
| Loudoun County Virginia | 1 | $ 495,000 | $ 495,000 | $ 175,000 |
| Lynchburg County Virginia | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Berkeley County West Virginia | 1 | $ 14,805,000 | $ 14,805,000 | $ 0 |
| Preston County West Virginia | 1 | $ 255,000 | $ 255,000 | $ 120,000 |
Mortgage Loan Application Detail Totals for S&T Bank in 2018
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 | 1,802 | $419,970,000 | $233,000 | $22,065,000 | $110,000 | $7,767,000 |
| Refinancing | 904 | $168,080,000 | $185,000 | $15,005,000 | $105,000 | $882,000 |
| Home Improvement | 710 | $42,470,000 | $59,000 | $755,000 | $95,000 | $783,000 |
| Other Purpose | 520 | $39,720,000 | $76,000 | $795,000 | $109,000 | $1,116,000 |
| Cash-out Refinancing | 483 | $66,735,000 | $138,000 | $2,305,000 | $117,000 | $1,428,000 |
| Not Applicable | 2 | $410,000 | $205,000 | $385,000 | $0 | $0 |
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 | 2,654 | $347,240,000 | $130,000 | $1,365,000 | $105,000 | $7,767,000 |
| Not Provided | 1,211 | $115,115,000 | $95,000 | $2,305,000 | $111,000 | $1,428,000 |
| Not applicable | 416 | $252,610,000 | $607,000 | $22,065,000 | $421,000 | $421,000 |
| Asian | 83 | $15,435,000 | $185,000 | $605,000 | $132,000 | $673,000 |
| Black or African American | 37 | $4,465,000 | $120,000 | $765,000 | $68,000 | $250,000 |
| Hispanic | 17 | $2,065,000 | $121,000 | $405,000 | $103,000 | $260,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 4,412 | $736,040,000 | $166,000 | $22,065,000 | $107,000 | $7,767,000 |
| FHA-insured (Federal Housing Administration) | 8 | $1,010,000 | $126,000 | $195,000 | $57,000 | $149,000 |
| VA-guaranteed (Veterans Administration) | 1 | $335,000 | $335,000 | $335,000 | $120,000 | $120,000 |
| 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 | 2,685 | $465,825,000 | $173,000 | $17,105,000 | $121,000 | $7,767,000 |
| Application Denied By Financial Institution | 595 | $63,495,000 | $106,000 | $4,565,000 | $75,000 | $518,000 |
| Preapproval Approved but not Accepted | 438 | $77,760,000 | $177,000 | $845,000 | $87,000 | $430,000 |
| Application Withdrawn By Applicant | 343 | $84,285,000 | $245,000 | $22,065,000 | $99,000 | $1,079,000 |
| Application Approved But Not Accepted | 253 | $26,615,000 | $105,000 | $1,415,000 | $105,000 | $583,000 |
| Preapproval Denied by Financial Institution | 65 | $7,955,000 | $122,000 | $565,000 | $54,000 | $266,000 |
| File Closed For Incompleteness | 40 | $11,040,000 | $276,000 | $3,755,000 | $71,000 | $216,000 |
| Loan Purchased By The Institution | 2 | $410,000 | $205,000 | $385,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,761 | $665,935,000 | $177,000 | $22,065,000 | $113,000 | $7,767,000 |
| Credit History | 343 | $22,475,000 | $65,000 | $555,000 | $65,000 | $305,000 |
| Debt-To-Income Ratio | 159 | $30,235,000 | $190,000 | $1,505,000 | $58,000 | $233,000 |
| Collateral | 134 | $10,360,000 | $77,000 | $605,000 | $99,000 | $518,000 |
| Unverifiable Information | 7 | $1,895,000 | $270,000 | $605,000 | $144,000 | $450,000 |
| Other | 6 | $5,360,000 | $893,000 | $4,565,000 | $107,000 | $180,000 |
| Credit Application Incomplete | 5 | $335,000 | $67,000 | $125,000 | $162,000 | $300,000 |
| Employment History | 4 | $590,000 | $147,000 | $235,000 | $53,000 | $74,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $200,000 | $100,000 | $155,000 | $46,000 | $68,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S&T Bank's 2018 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.
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with aggregated HMDA statistics today.