S&T Bank Mortgage Lending & HMDA Data, 2018
In 2018, S&T Bank of Indiana, PA reported 4,421 mortgage applications totaling $737.4 million, up 90% from 2017. The average application was for $166,791, and applicants reported an average income of $107,214. 61% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Pittsburgh, PA (1,904), Harrisburg-Carlisle, PA (352) and Johnstown, PA (163) (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 | 4,421 |
| Total Mortgage Loan Application Amount | $737,385,000 |
| Average Mortgage Loan Application Amount | $166,791 |
| Highest Mortgage Loan Application Amount | $22,065,000 |
| Average Applicant Income | $107,214 |
| Highest Applicant Income | $7,767,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 818 | $ 121,480,000 | $ 148,508 | $ 113,000 |
| Westmoreland, Pennsylvania | 808 | $ 79,110,000 | $ 97,908 | $ 98,000 |
| Indiana, Pennsylvania | 379 | $ 32,785,000 | $ 86,503 | $ 85,000 |
| Jefferson, Pennsylvania | 252 | $ 20,110,000 | $ 79,801 | $ 71,000 |
| Dauphin, Pennsylvania | 182 | $ 28,940,000 | $ 159,010 | $ 131,000 |
| Cambria, Pennsylvania | 163 | $ 13,085,000 | $ 80,276 | $ 77,000 |
| Cumberland, Pennsylvania | 162 | $ 44,350,000 | $ 273,765 | $ 144,000 |
| Clearfield, Pennsylvania | 150 | $ 14,840,000 | $ 98,933 | $ 95,000 |
| Armstrong, Pennsylvania | 143 | $ 10,485,000 | $ 73,321 | $ 72,000 |
| Lancaster, Pennsylvania | 136 | $ 31,610,000 | $ 232,426 | $ 155,000 |
| Blair, Pennsylvania | 104 | $ 9,790,000 | $ 94,134 | $ 102,000 |
| Clarion, Pennsylvania | 78 | $ 6,230,000 | $ 79,871 | $ 86,000 |
| York, Pennsylvania | 71 | $ 10,855,000 | $ 152,887 | $ 113,000 |
| Butler, Pennsylvania | 59 | $ 11,645,000 | $ 197,372 | $ 160,000 |
| Summit, Ohio | 58 | $ 9,010,000 | $ 155,344 | $ 133,000 |
| Washington, Pennsylvania | 42 | $ 7,120,000 | $ 169,523 | $ 150,000 |
| Beaver, Pennsylvania | 24 | $ 2,380,000 | $ 99,166 | $ 101,000 |
| Franklin, Ohio | 18 | $ 43,970,000 | $ 2,442,777 | $ 49,000 |
| Lebanon, Pennsylvania | 18 | $ 3,250,000 | $ 180,555 | $ 102,000 |
| Monroe, New York | 17 | $ 10,535,000 | $ 619,705 | $ 44,000 |
| Lawrence, Pennsylvania | 16 | $ 1,140,000 | $ 71,250 | $ 85,000 |
| Somerset, Pennsylvania | 15 | $ 1,795,000 | $ 119,666 | $ 166,000 |
| Elk, Pennsylvania | 12 | $ 1,000,000 | $ 83,333 | $ 81,000 |
| Fayette, Pennsylvania | 10 | $ 1,290,000 | $ 129,000 | $ 85,000 |
| Mercer, Pennsylvania | 10 | $ 1,940,000 | $ 194,000 | $ 261,000 |
| Perry, Pennsylvania | 8 | $ 950,000 | $ 118,750 | $ 108,000 |
| Cuyahoga, Ohio | 7 | $ 1,115,000 | $ 159,285 | $ 138,000 |
| Chester, Pennsylvania | 7 | $ 2,035,000 | $ 290,714 | $ 146,000 |
| Bedford, Pennsylvania | 6 | $ 1,810,000 | $ 301,666 | $ 95,000 |
| Berks, Pennsylvania | 6 | $ 740,000 | $ 123,333 | $ 172,000 |
| Forest, Pennsylvania | 6 | $ 400,000 | $ 66,666 | $ 44,000 |
| Philadelphia, Pennsylvania | 6 | $ 1,800,000 | $ 300,000 | $ 229,000 |
| Adams, Pennsylvania | 5 | $ 1,495,000 | $ 299,000 | $ 198,000 |
| Erie, Pennsylvania | 5 | $ 1,095,000 | $ 219,000 | $ 176,000 |
| Lorain, Ohio | 4 | $ 16,970,000 | $ 4,242,500 | $ 207,000 |
| Mahoning, Ohio | 4 | $ 670,000 | $ 167,500 | $ 69,000 |
| Portage, Ohio | 4 | $ 600,000 | $ 150,000 | $ 118,000 |
| Huntingdon, Pennsylvania | 4 | $ 790,000 | $ 197,500 | $ 147,000 |
| Medina, Ohio | 3 | $ 525,000 | $ 175,000 | $ 68,000 |
| Centre, Pennsylvania | 3 | $ 1,115,000 | $ 371,666 | $ 245,000 |
| Crawford, Pennsylvania | 3 | $ 645,000 | $ 215,000 | $ 201,000 |
| Venango, Pennsylvania | 3 | $ 215,000 | $ 71,666 | $ 82,000 |
| Monongalia, West Virginia | 3 | $ 7,225,000 | $ 2,408,333 | $ 60,000 |
| Maricopa, Arizona | 2 | $ 780,000 | $ 390,000 | $ 195,000 |
| Sussex, Delaware | 2 | $ 670,000 | $ 335,000 | $ 129,000 |
| Palm Beach, Florida | 2 | $ 590,000 | $ 295,000 | $ 423,000 |
| Sarasota, Florida | 2 | $ 240,000 | $ 120,000 | $ 74,000 |
| York, Maine | 2 | $ 400,000 | $ 200,000 | $ 680,000 |
| Garrett, Maryland | 2 | $ 690,000 | $ 345,000 | $ 91,000 |
| Worcester, Maryland | 2 | $ 370,000 | $ 185,000 | $ 305,000 |
| Wayne, Michigan | 2 | $ 80,000 | $ 40,000 | $ 42,000 |
| Cape May, New Jersey | 2 | $ 1,820,000 | $ 910,000 | $ 7,767,000 |
| Hudson, New Jersey | 2 | $ 960,000 | $ 480,000 | $ 0 |
| Steuben, New York | 2 | $ 430,000 | $ 215,000 | $ 244,000 |
| Tompkins, New York | 2 | $ 10,120,000 | $ 5,060,000 | $ 75,000 |
| Delaware, Ohio | 2 | $ 17,510,000 | $ 8,755,000 | $ 0 |
| Hamilton, Ohio | 2 | $ 700,000 | $ 350,000 | $ 57,000 |
| Lake, Ohio | 2 | $ 410,000 | $ 205,000 | $ 108,000 |
| Madison, Ohio | 2 | $ 2,060,000 | $ 1,030,000 | $ 0 |
| Stark, Ohio | 2 | $ 230,000 | $ 115,000 | $ 114,000 |
| Greene, Pennsylvania | 2 | $ 320,000 | $ 160,000 | $ 41,000 |
| Mifflin, Pennsylvania | 2 | $ 190,000 | $ 95,000 | $ 20,000 |
| Montgomery, Pennsylvania | 2 | $ 990,000 | $ 495,000 | $ 465,000 |
| Ohio, West Virginia | 2 | $ 90,000 | $ 45,000 | $ 62,000 |
| El Paso, Colorado | 1 | $ 195,000 | $ 195,000 | $ 91,000 |
| New Castle, Delaware | 1 | $ 805,000 | $ 805,000 | $ 0 |
| Brevard, Florida | 1 | $ 75,000 | $ 75,000 | $ 170,000 |
| Broward, Florida | 1 | $ 255,000 | $ 255,000 | $ 436,000 |
| Collier, Florida | 1 | $ 805,000 | $ 805,000 | $ 275,000 |
| Lee, Florida | 1 | $ 155,000 | $ 155,000 | $ 39,000 |
| Marion, Florida | 1 | $ 75,000 | $ 75,000 | $ 57,000 |
| Monroe, Florida | 1 | $ 305,000 | $ 305,000 | $ 99,000 |
| Orange, Florida | 1 | $ 355,000 | $ 355,000 | $ 302,000 |
| Pinellas, Florida | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Scott, Kentucky | 1 | $ 395,000 | $ 395,000 | $ 155,000 |
| Cecil, Maryland | 1 | $ 345,000 | $ 345,000 | $ 92,000 |
| Frederick, Maryland | 1 | $ 1,475,000 | $ 1,475,000 | $ 0 |
| Norfolk, Massachusetts | 1 | $ 405,000 | $ 405,000 | $ 189,000 |
| Clark, Nevada | 1 | $ 215,000 | $ 215,000 | $ 190,000 |
| Rockingham, New Hampshire | 1 | $ 305,000 | $ 305,000 | $ 882,000 |
| Bernalillo, New Mexico | 1 | $ 1,235,000 | $ 1,235,000 | $ 0 |
| Dutchess, New York | 1 | $ 15,005,000 | $ 15,005,000 | $ 0 |
| Erie, New York | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Onondaga, New York | 1 | $ 165,000 | $ 165,000 | $ 54,000 |
| Wayne, New York | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Wake, North Carolina | 1 | $ 105,000 | $ 105,000 | $ 482,000 |
| Columbiana, Ohio | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Erie, Ohio | 1 | $ 315,000 | $ 315,000 | $ 240,000 |
| Greene, Ohio | 1 | $ 9,495,000 | $ 9,495,000 | $ 0 |
| Highland, Ohio | 1 | $ 805,000 | $ 805,000 | $ 452,000 |
| Huron, Ohio | 1 | $ 725,000 | $ 725,000 | $ 0 |
| Licking, Ohio | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Union, Ohio | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Wayne, Ohio | 1 | $ 35,000 | $ 35,000 | $ 26,000 |
| Columbia, Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 200,000 |
| Franklin, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 70,000 |
| Lehigh, Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 265,000 |
| Luzerne, Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 50,000 |
| Schuylkill, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 98,000 |
| Union, Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Charleston, South Carolina | 1 | $ 615,000 | $ 615,000 | $ 388,000 |
| Hamilton, Tennessee | 1 | $ 225,000 | $ 225,000 | $ 199,000 |
| Dallas, Texas | 1 | $ 365,000 | $ 365,000 | $ 725,000 |
| Fairfax, Virginia | 1 | $ 155,000 | $ 155,000 | $ 87,000 |
| Loudoun, Virginia | 1 | $ 495,000 | $ 495,000 | $ 175,000 |
| Lynchburg, Virginia | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Berkeley, West Virginia | 1 | $ 14,805,000 | $ 14,805,000 | $ 0 |
| Preston, 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.
For a list of all lenders in Pennsylvania, download the full spreadsheet
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