S&T Bank Mortgage Lending & HMDA Data, 2019
In 2019, S&T Bank of Indiana, PA reported 5,944 mortgage applications totaling $1.0 billion, up 34% from 2018. The average application was for $172,288, and applicants reported an average income of $114,610. 64% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Pittsburgh, PA (2,491), Harrisburg-Carlisle, PA (502) and Johnstown, PA (218) (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 | 5,944 |
| Total Mortgage Loan Application Amount | $1,024,080,000 |
| Average Mortgage Loan Application Amount | $172,288 |
| Highest Mortgage Loan Application Amount | $36,195,000 |
| Average Applicant Income | $114,610 |
| Highest Applicant Income | $4,200,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Westmoreland, Pennsylvania | 1,147 | $ 118,905,000 | $ 103,666 | $ 101,000 |
| Allegheny, Pennsylvania | 963 | $ 152,535,000 | $ 158,395 | $ 124,000 |
| Indiana, Pennsylvania | 560 | $ 53,530,000 | $ 95,589 | $ 92,000 |
| Jefferson, Pennsylvania | 393 | $ 29,985,000 | $ 76,297 | $ 77,000 |
| Dauphin, Pennsylvania | 266 | $ 50,470,000 | $ 189,736 | $ 136,000 |
| Cumberland, Pennsylvania | 229 | $ 90,585,000 | $ 395,567 | $ 158,000 |
| Clearfield, Pennsylvania | 228 | $ 21,310,000 | $ 93,464 | $ 92,000 |
| Cambria, Pennsylvania | 218 | $ 14,440,000 | $ 66,238 | $ 78,000 |
| Armstrong, Pennsylvania | 196 | $ 14,450,000 | $ 73,724 | $ 72,000 |
| Lancaster, Pennsylvania | 185 | $ 82,585,000 | $ 446,405 | $ 211,000 |
| Blair, Pennsylvania | 106 | $ 13,410,000 | $ 126,509 | $ 111,000 |
| Clarion, Pennsylvania | 99 | $ 7,975,000 | $ 80,555 | $ 87,000 |
| York, Pennsylvania | 98 | $ 21,680,000 | $ 221,224 | $ 156,000 |
| Summit, Ohio | 82 | $ 10,900,000 | $ 132,926 | $ 111,000 |
| Butler, Pennsylvania | 82 | $ 14,980,000 | $ 182,682 | $ 150,000 |
| Washington, Pennsylvania | 48 | $ 9,540,000 | $ 198,750 | $ 179,000 |
| Beaver, Pennsylvania | 37 | $ 5,195,000 | $ 140,405 | $ 125,000 |
| Franklin, Ohio | 32 | $ 13,670,000 | $ 427,187 | $ 168,000 |
| Berks, Pennsylvania | 30 | $ 7,730,000 | $ 257,666 | $ 191,000 |
| Cuyahoga, Ohio | 24 | $ 6,220,000 | $ 259,166 | $ 113,000 |
| Lebanon, Pennsylvania | 20 | $ 3,860,000 | $ 193,000 | $ 159,000 |
| Medina, Ohio | 19 | $ 4,145,000 | $ 218,157 | $ 224,000 |
| Elk, Pennsylvania | 19 | $ 1,905,000 | $ 100,263 | $ 113,000 |
| Fayette, Pennsylvania | 18 | $ 2,510,000 | $ 139,444 | $ 129,000 |
| Somerset, Pennsylvania | 18 | $ 1,960,000 | $ 108,888 | $ 244,000 |
| Lawrence, Pennsylvania | 16 | $ 1,300,000 | $ 81,250 | $ 146,000 |
| Chester, Pennsylvania | 14 | $ 2,420,000 | $ 172,857 | $ 116,000 |
| Monroe, New York | 12 | $ 5,410,000 | $ 450,833 | $ 29,000 |
| Stark, Ohio | 10 | $ 1,460,000 | $ 146,000 | $ 92,000 |
| Bedford, Pennsylvania | 10 | $ 3,650,000 | $ 365,000 | $ 173,000 |
| Centre, Pennsylvania | 8 | $ 1,850,000 | $ 231,250 | $ 155,000 |
| Mercer, Pennsylvania | 8 | $ 690,000 | $ 86,250 | $ 113,000 |
| Philadelphia, Pennsylvania | 8 | $ 1,720,000 | $ 215,000 | $ 692,000 |
| Venango, Pennsylvania | 8 | $ 1,220,000 | $ 152,500 | $ 198,000 |
| Portage, Ohio | 7 | $ 1,245,000 | $ 177,857 | $ 155,000 |
| Perry, Pennsylvania | 7 | $ 1,235,000 | $ 176,428 | $ 93,000 |
| Franklin, Pennsylvania | 6 | $ 2,980,000 | $ 496,666 | $ 121,000 |
| Mahoning, Ohio | 5 | $ 315,000 | $ 63,000 | $ 158,000 |
| Sussex, Delaware | 4 | $ 2,660,000 | $ 665,000 | $ 242,000 |
| Manatee, Florida | 4 | $ 1,170,000 | $ 292,500 | $ 141,000 |
| Baltimore, Maryland | 4 | $ 1,350,000 | $ 337,500 | $ 165,000 |
| Burlington, New Jersey | 4 | $ 2,110,000 | $ 527,500 | $ 215,000 |
| Erie, New York | 4 | $ 25,140,000 | $ 6,285,000 | $ 680,000 |
| Lorain, Ohio | 4 | $ 2,910,000 | $ 727,500 | $ 234,000 |
| Bucks, Pennsylvania | 4 | $ 1,440,000 | $ 360,000 | $ 571,000 |
| Fulton, Pennsylvania | 4 | $ 2,140,000 | $ 535,000 | $ 318,000 |
| Lackawanna, Pennsylvania | 4 | $ 400,000 | $ 100,000 | $ 125,000 |
| Schuylkill, Pennsylvania | 4 | $ 590,000 | $ 147,500 | $ 212,000 |
| Sarasota, Florida | 3 | $ 615,000 | $ 205,000 | $ 183,000 |
| Montgomery, Maryland | 3 | $ 1,095,000 | $ 365,000 | $ 178,000 |
| Delaware, Ohio | 3 | $ 865,000 | $ 288,333 | $ 253,000 |
| Lake, Ohio | 3 | $ 1,825,000 | $ 608,333 | $ 81,000 |
| Licking, Ohio | 3 | $ 1,295,000 | $ 431,666 | $ 130,000 |
| Union, Ohio | 3 | $ 1,195,000 | $ 398,333 | $ 166,000 |
| Adams, Pennsylvania | 3 | $ 445,000 | $ 148,333 | $ 166,000 |
| Delaware, Pennsylvania | 3 | $ 585,000 | $ 195,000 | $ 111,000 |
| Erie, Pennsylvania | 3 | $ 365,000 | $ 121,666 | $ 0 |
| Snyder, Pennsylvania | 3 | $ 705,000 | $ 235,000 | $ 165,000 |
| Collier, Florida | 2 | $ 640,000 | $ 320,000 | $ 343,000 |
| Flagler, Florida | 2 | $ 530,000 | $ 265,000 | $ 107,000 |
| Lake, Florida | 2 | $ 400,000 | $ 200,000 | $ 199,000 |
| Garrett, Maryland | 2 | $ 950,000 | $ 475,000 | $ 354,000 |
| Cape May, New Jersey | 2 | $ 1,430,000 | $ 715,000 | $ 219,000 |
| Ocean, New Jersey | 2 | $ 1,840,000 | $ 920,000 | $ 768,000 |
| Somerset, New Jersey | 2 | $ 640,000 | $ 320,000 | $ 0 |
| Greene, New York | 2 | $ 7,640,000 | $ 3,820,000 | $ 0 |
| Suffolk, New York | 2 | $ 1,050,000 | $ 525,000 | $ 0 |
| Tompkins, New York | 2 | $ 23,110,000 | $ 11,555,000 | $ 54,000 |
| Fairfield, Ohio | 2 | $ 430,000 | $ 215,000 | $ 333,000 |
| Hamilton, Ohio | 2 | $ 410,000 | $ 205,000 | $ 0 |
| Trumbull, Ohio | 2 | $ 420,000 | $ 210,000 | $ 185,000 |
| Columbia, Pennsylvania | 2 | $ 370,000 | $ 185,000 | $ 126,000 |
| Forest, Pennsylvania | 2 | $ 190,000 | $ 95,000 | $ 52,000 |
| Greene, Pennsylvania | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Huntingdon, Pennsylvania | 2 | $ 120,000 | $ 60,000 | $ 46,000 |
| Juniata, Pennsylvania | 2 | $ 330,000 | $ 165,000 | $ 59,000 |
| Lehigh, Pennsylvania | 2 | $ 690,000 | $ 345,000 | $ 777,000 |
| Lycoming, Pennsylvania | 2 | $ 430,000 | $ 215,000 | $ 321,000 |
| McKean, Pennsylvania | 2 | $ 200,000 | $ 100,000 | $ 52,000 |
| Monroe, Pennsylvania | 2 | $ 440,000 | $ 220,000 | $ 598,000 |
| Montgomery, Pennsylvania | 2 | $ 490,000 | $ 245,000 | $ 250,000 |
| Potter, Pennsylvania | 2 | $ 240,000 | $ 120,000 | $ 55,000 |
| Providence, Rhode Island | 2 | $ 21,760,000 | $ 10,880,000 | $ 0 |
| Beaufort, South Carolina | 2 | $ 1,090,000 | $ 545,000 | $ 791,000 |
| Cocke, Tennessee | 2 | $ 550,000 | $ 275,000 | $ 88,000 |
| Dallas, Texas | 2 | $ 890,000 | $ 445,000 | $ 999,000 |
| Maricopa, Arizona | 1 | $ 45,000 | $ 45,000 | $ 127,000 |
| San Diego, California | 1 | $ 1,365,000 | $ 1,365,000 | $ 432,000 |
| Arapahoe, Colorado | 1 | $ 245,000 | $ 245,000 | $ 33,000 |
| Broward, Florida | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Lee, Florida | 1 | $ 305,000 | $ 305,000 | $ 291,000 |
| Osceola, Florida | 1 | $ 225,000 | $ 225,000 | $ 167,000 |
| Palm Beach, Florida | 1 | $ 375,000 | $ 375,000 | $ 558,000 |
| Pasco, Florida | 1 | $ 185,000 | $ 185,000 | $ 352,000 |
| Pinellas, Florida | 1 | $ 745,000 | $ 745,000 | $ 694,000 |
| Seminole, Florida | 1 | $ 285,000 | $ 285,000 | $ 98,000 |
| St. Johns, Florida | 1 | $ 595,000 | $ 595,000 | $ 136,000 |
| Cobb, Georgia | 1 | $ 55,000 | $ 55,000 | $ 73,000 |
| Jackson, Georgia | 1 | $ 125,000 | $ 125,000 | $ 129,000 |
| Warren, Kentucky | 1 | $ 15,000 | $ 15,000 | $ 10,000 |
| Anne Arundel, Maryland | 1 | $ 325,000 | $ 325,000 | $ 373,000 |
| Cecil, Maryland | 1 | $ 265,000 | $ 265,000 | $ 102,000 |
| Howard, Maryland | 1 | $ 415,000 | $ 415,000 | $ 343,000 |
| Macomb, Michigan | 1 | $ 205,000 | $ 205,000 | $ 112,000 |
| Hennepin, Minnesota | 1 | $ 275,000 | $ 275,000 | $ 80,000 |
| Essex, New Jersey | 1 | $ 925,000 | $ 925,000 | $ 0 |
| Monmouth, New Jersey | 1 | $ 255,000 | $ 255,000 | $ 493,000 |
| Santa Fe, New Mexico | 1 | $ 365,000 | $ 365,000 | $ 239,000 |
| Albany, New York | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Richmond, New York | 1 | $ 325,000 | $ 325,000 | $ 253,000 |
| Steuben, New York | 1 | $ 575,000 | $ 575,000 | $ 329,000 |
| Brunswick, North Carolina | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Dare, North Carolina | 1 | $ 1,605,000 | $ 1,605,000 | $ 264,000 |
| Forsyth, North Carolina | 1 | $ 515,000 | $ 515,000 | $ 159,000 |
| Guilford, North Carolina | 1 | $ 55,000 | $ 55,000 | $ 145,000 |
| New Hanover, North Carolina | 1 | $ 225,000 | $ 225,000 | $ 427,000 |
| Ashtabula, Ohio | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Erie, Ohio | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Geauga, Ohio | 1 | $ 225,000 | $ 225,000 | $ 161,000 |
| Highland, Ohio | 1 | $ 455,000 | $ 455,000 | $ 600,000 |
| Ottawa, Ohio | 1 | $ 355,000 | $ 355,000 | $ 156,000 |
| Tuscarawas, Ohio | 1 | $ 75,000 | $ 75,000 | $ 135,000 |
| Wayne, Ohio | 1 | $ 275,000 | $ 275,000 | $ 178,000 |
| Wood, Ohio | 1 | $ 9,875,000 | $ 9,875,000 | $ 0 |
| Cameron, Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 171,000 |
| Crawford, Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 49,000 |
| Mifflin, Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 139,000 |
| Warren, Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 34,000 |
| Charleston, South Carolina | 1 | $ 295,000 | $ 295,000 | $ 120,000 |
| Pickens, South Carolina | 1 | $ 1,555,000 | $ 1,555,000 | $ 490,000 |
| Richland, South Carolina | 1 | $ 95,000 | $ 95,000 | $ 89,000 |
| Spartanburg, South Carolina | 1 | $ 55,000 | $ 55,000 | $ 47,000 |
| Hamilton, Tennessee | 1 | $ 565,000 | $ 565,000 | $ 0 |
| Sevier, Tennessee | 1 | $ 285,000 | $ 285,000 | $ 198,000 |
| Manassas, Virginia | 1 | $ 245,000 | $ 245,000 | $ 62,000 |
| Mineral, West Virginia | 1 | $ 165,000 | $ 165,000 | $ 148,000 |
| Monongalia, West Virginia | 1 | $ 5,525,000 | $ 5,525,000 | $ 0 |
Mortgage Loan Application Detail Totals for S&T Bank in 2019
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 | 2,148 | $494,040,000 | $230,000 | $23,005,000 | $118,000 | $3,970,000 |
| Refinancing | 1,681 | $334,855,000 | $199,000 | $36,195,000 | $112,000 | $1,200,000 |
| Home Improvement | 1,027 | $67,665,000 | $65,000 | $1,205,000 | $109,000 | $4,200,000 |
| Other Purpose | 680 | $50,570,000 | $74,000 | $1,755,000 | $106,000 | $1,635,000 |
| Cash-out Refinancing | 408 | $76,950,000 | $188,000 | $1,875,000 | $136,000 | $1,070,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 3,430 | $503,660,000 | $146,000 | $3,305,000 | $109,000 | $3,684,000 |
| Not Provided | 1,905 | $186,755,000 | $98,000 | $1,855,000 | $121,000 | $4,200,000 |
| Not applicable | 445 | $302,705,000 | $680,000 | $36,195,000 | $0 | $0 |
| Asian | 70 | $14,520,000 | $207,000 | $585,000 | $208,000 | $1,200,000 |
| Black or African American | 51 | $7,395,000 | $145,000 | $335,000 | $79,000 | $345,000 |
| Hispanic | 33 | $6,685,000 | $202,000 | $1,875,000 | $116,000 | $665,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $230,000 | $115,000 | $135,000 | $81,000 | $122,000 |
| American Indian or Alaskan Native | 1 | $15,000 | $15,000 | $15,000 | $38,000 | $38,000 |
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) | 5,920 | $1,021,120,000 | $172,000 | $36,195,000 | $115,000 | $4,200,000 |
| FHA-insured (Federal Housing Administration) | 21 | $2,605,000 | $124,000 | $285,000 | $65,000 | $180,000 |
| VA-guaranteed (Veterans Administration) | 3 | $355,000 | $118,000 | $155,000 | $37,000 | $71,000 |
| 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 | 3,806 | $696,580,000 | $183,000 | $36,195,000 | $119,000 | $3,684,000 |
| Application Denied By Financial Institution | 809 | $90,285,000 | $111,000 | $1,875,000 | $81,000 | $936,000 |
| Application Withdrawn By Applicant | 460 | $92,670,000 | $201,000 | $2,205,000 | $155,000 | $3,970,000 |
| Preapproval Approved but not Accepted | 432 | $80,370,000 | $186,000 | $1,905,000 | $90,000 | $775,000 |
| Application Approved But Not Accepted | 284 | $33,490,000 | $117,000 | $1,505,000 | $144,000 | $4,200,000 |
| Preapproval Denied by Financial Institution | 99 | $15,105,000 | $152,000 | $965,000 | $56,000 | $310,000 |
| File Closed For Incompleteness | 53 | $15,505,000 | $292,000 | $3,305,000 | $93,000 | $300,000 |
| Loan Purchased By The Institution | 1 | $75,000 | $75,000 | $75,000 | $39,000 | $39,000 |
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 | 5,036 | $918,690,000 | $182,000 | $36,195,000 | $121,000 | $4,200,000 |
| Credit History | 446 | $35,130,000 | $78,000 | $905,000 | $76,000 | $936,000 |
| Collateral | 225 | $18,745,000 | $83,000 | $1,875,000 | $91,000 | $692,000 |
| Debt-To-Income Ratio | 212 | $46,020,000 | $217,000 | $1,505,000 | $59,000 | $431,000 |
| Unverifiable Information | 10 | $2,870,000 | $287,000 | $905,000 | $202,000 | $679,000 |
| Employment History | 8 | $370,000 | $46,000 | $75,000 | $37,000 | $88,000 |
| Other | 7 | $2,255,000 | $322,000 | $1,265,000 | $105,000 | $138,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S&T Bank's 2019 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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