S&T Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
S&T Bank 2019 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 | 5,944 |
| Total Mortgage Loan Application Amount | $1,024,080,000 |
| Average Mortgage Loan Application Amount | $151,200 |
| Highest Mortgage Loan Application Amount | $36,195,000 |
| Average Applicant Income | $116,200 |
| Highest Applicant Income | $4,200,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Westmoreland County Pennsylvania | 1,147 | $ 118,905,000 | $ 103,000 | $ 101,000 |
| Allegheny County Pennsylvania | 963 | $ 152,535,000 | $ 158,000 | $ 124,000 |
| Indiana County Pennsylvania | 560 | $ 53,530,000 | $ 95,000 | $ 92,000 |
| Jefferson County Pennsylvania | 393 | $ 29,985,000 | $ 76,000 | $ 77,000 |
| Dauphin County Pennsylvania | 266 | $ 50,470,000 | $ 189,000 | $ 136,000 |
| Cumberland County Pennsylvania | 229 | $ 90,585,000 | $ 395,000 | $ 158,000 |
| Clearfield County Pennsylvania | 228 | $ 21,310,000 | $ 93,000 | $ 92,000 |
| Cambria County Pennsylvania | 218 | $ 14,440,000 | $ 66,000 | $ 78,000 |
| Armstrong County Pennsylvania | 196 | $ 14,450,000 | $ 73,000 | $ 72,000 |
| Lancaster County Pennsylvania | 185 | $ 82,585,000 | $ 446,000 | $ 211,000 |
| Blair County Pennsylvania | 106 | $ 13,410,000 | $ 126,000 | $ 111,000 |
| Clarion County Pennsylvania | 99 | $ 7,975,000 | $ 80,000 | $ 87,000 |
| York County Pennsylvania | 98 | $ 21,680,000 | $ 221,000 | $ 156,000 |
| Summit County Ohio | 82 | $ 10,900,000 | $ 132,000 | $ 111,000 |
| Butler County Pennsylvania | 82 | $ 14,980,000 | $ 182,000 | $ 150,000 |
| Washington County Pennsylvania | 48 | $ 9,540,000 | $ 198,000 | $ 179,000 |
| Beaver County Pennsylvania | 37 | $ 5,195,000 | $ 140,000 | $ 125,000 |
| Franklin County Ohio | 32 | $ 13,670,000 | $ 427,000 | $ 168,000 |
| Berks County Pennsylvania | 30 | $ 7,730,000 | $ 257,000 | $ 191,000 |
| Cuyahoga County Ohio | 24 | $ 6,220,000 | $ 259,000 | $ 113,000 |
| Lebanon County Pennsylvania | 20 | $ 3,860,000 | $ 193,000 | $ 159,000 |
| Medina County Ohio | 19 | $ 4,145,000 | $ 218,000 | $ 224,000 |
| Elk County Pennsylvania | 19 | $ 1,905,000 | $ 100,000 | $ 113,000 |
| Fayette County Pennsylvania | 18 | $ 2,510,000 | $ 139,000 | $ 129,000 |
| Somerset County Pennsylvania | 18 | $ 1,960,000 | $ 108,000 | $ 244,000 |
| Lawrence County Pennsylvania | 16 | $ 1,300,000 | $ 81,000 | $ 146,000 |
| Chester County Pennsylvania | 14 | $ 2,420,000 | $ 172,000 | $ 116,000 |
| Monroe County New York | 12 | $ 5,410,000 | $ 450,000 | $ 29,000 |
| Stark County Ohio | 10 | $ 1,460,000 | $ 146,000 | $ 92,000 |
| Bedford County Pennsylvania | 10 | $ 3,650,000 | $ 365,000 | $ 173,000 |
| Centre County Pennsylvania | 8 | $ 1,850,000 | $ 231,000 | $ 155,000 |
| Mercer County Pennsylvania | 8 | $ 690,000 | $ 86,000 | $ 113,000 |
| Philadelphia County Pennsylvania | 8 | $ 1,720,000 | $ 215,000 | $ 692,000 |
| Venango County Pennsylvania | 8 | $ 1,220,000 | $ 152,000 | $ 198,000 |
| Portage County Ohio | 7 | $ 1,245,000 | $ 177,000 | $ 155,000 |
| Perry County Pennsylvania | 7 | $ 1,235,000 | $ 176,000 | $ 93,000 |
| Franklin County Pennsylvania | 6 | $ 2,980,000 | $ 496,000 | $ 121,000 |
| Mahoning County Ohio | 5 | $ 315,000 | $ 63,000 | $ 158,000 |
| Sussex County Delaware | 4 | $ 2,660,000 | $ 665,000 | $ 242,000 |
| Manatee County Florida | 4 | $ 1,170,000 | $ 292,000 | $ 141,000 |
| Baltimore County Maryland | 4 | $ 1,350,000 | $ 337,000 | $ 165,000 |
| Burlington County New Jersey | 4 | $ 2,110,000 | $ 527,000 | $ 215,000 |
| Erie County New York | 4 | $ 25,140,000 | $ 6,285,000 | $ 680,000 |
| Lorain County Ohio | 4 | $ 2,910,000 | $ 727,000 | $ 234,000 |
| Bucks County Pennsylvania | 4 | $ 1,440,000 | $ 360,000 | $ 571,000 |
| Fulton County Pennsylvania | 4 | $ 2,140,000 | $ 535,000 | $ 318,000 |
| Lackawanna County Pennsylvania | 4 | $ 400,000 | $ 100,000 | $ 125,000 |
| Schuylkill County Pennsylvania | 4 | $ 590,000 | $ 147,000 | $ 212,000 |
| Sarasota County Florida | 3 | $ 615,000 | $ 205,000 | $ 183,000 |
| Montgomery County Maryland | 3 | $ 1,095,000 | $ 365,000 | $ 178,000 |
| Delaware County Ohio | 3 | $ 865,000 | $ 288,000 | $ 253,000 |
| Lake County Ohio | 3 | $ 1,825,000 | $ 608,000 | $ 81,000 |
| Licking County Ohio | 3 | $ 1,295,000 | $ 431,000 | $ 130,000 |
| Union County Ohio | 3 | $ 1,195,000 | $ 398,000 | $ 166,000 |
| Adams County Pennsylvania | 3 | $ 445,000 | $ 148,000 | $ 166,000 |
| Delaware County Pennsylvania | 3 | $ 585,000 | $ 195,000 | $ 111,000 |
| Erie County Pennsylvania | 3 | $ 365,000 | $ 121,000 | $ 0 |
| Snyder County Pennsylvania | 3 | $ 705,000 | $ 235,000 | $ 165,000 |
| Collier County Florida | 2 | $ 640,000 | $ 320,000 | $ 343,000 |
| Flagler County Florida | 2 | $ 530,000 | $ 265,000 | $ 107,000 |
| Lake County Florida | 2 | $ 400,000 | $ 200,000 | $ 199,000 |
| Garrett County Maryland | 2 | $ 950,000 | $ 475,000 | $ 354,000 |
| Cape May County New Jersey | 2 | $ 1,430,000 | $ 715,000 | $ 219,000 |
| Ocean County New Jersey | 2 | $ 1,840,000 | $ 920,000 | $ 768,000 |
| Somerset County New Jersey | 2 | $ 640,000 | $ 320,000 | $ 0 |
| Greene County New York | 2 | $ 7,640,000 | $ 3,820,000 | $ 0 |
| Suffolk County New York | 2 | $ 1,050,000 | $ 525,000 | $ 0 |
| Tompkins County New York | 2 | $ 23,110,000 | $ 11,555,000 | $ 54,000 |
| Fairfield County Ohio | 2 | $ 430,000 | $ 215,000 | $ 333,000 |
| Hamilton County Ohio | 2 | $ 410,000 | $ 205,000 | $ 0 |
| Trumbull County Ohio | 2 | $ 420,000 | $ 210,000 | $ 185,000 |
| Columbia County Pennsylvania | 2 | $ 370,000 | $ 185,000 | $ 126,000 |
| Forest County Pennsylvania | 2 | $ 190,000 | $ 95,000 | $ 52,000 |
| Greene County Pennsylvania | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Huntingdon County Pennsylvania | 2 | $ 120,000 | $ 60,000 | $ 46,000 |
| Juniata County Pennsylvania | 2 | $ 330,000 | $ 165,000 | $ 59,000 |
| Lehigh County Pennsylvania | 2 | $ 690,000 | $ 345,000 | $ 777,000 |
| Lycoming County Pennsylvania | 2 | $ 430,000 | $ 215,000 | $ 321,000 |
| McKean County Pennsylvania | 2 | $ 200,000 | $ 100,000 | $ 52,000 |
| Monroe County Pennsylvania | 2 | $ 440,000 | $ 220,000 | $ 598,000 |
| Montgomery County Pennsylvania | 2 | $ 490,000 | $ 245,000 | $ 250,000 |
| Potter County Pennsylvania | 2 | $ 240,000 | $ 120,000 | $ 55,000 |
| Providence County Rhode Island | 2 | $ 21,760,000 | $ 10,880,000 | $ 0 |
| Beaufort County South Carolina | 2 | $ 1,090,000 | $ 545,000 | $ 791,000 |
| Cocke County Tennessee | 2 | $ 550,000 | $ 275,000 | $ 88,000 |
| Dallas County Texas | 2 | $ 890,000 | $ 445,000 | $ 999,000 |
| Maricopa County Arizona | 1 | $ 45,000 | $ 45,000 | $ 127,000 |
| San Diego County California | 1 | $ 1,365,000 | $ 1,365,000 | $ 432,000 |
| Arapahoe County Colorado | 1 | $ 245,000 | $ 245,000 | $ 33,000 |
| Broward County Florida | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Lee County Florida | 1 | $ 305,000 | $ 305,000 | $ 291,000 |
| Osceola County Florida | 1 | $ 225,000 | $ 225,000 | $ 167,000 |
| Palm Beach County Florida | 1 | $ 375,000 | $ 375,000 | $ 558,000 |
| Pasco County Florida | 1 | $ 185,000 | $ 185,000 | $ 352,000 |
| Pinellas County Florida | 1 | $ 745,000 | $ 745,000 | $ 694,000 |
| Seminole County Florida | 1 | $ 285,000 | $ 285,000 | $ 98,000 |
| St. Johns County Florida | 1 | $ 595,000 | $ 595,000 | $ 136,000 |
| Cobb County Georgia | 1 | $ 55,000 | $ 55,000 | $ 73,000 |
| Jackson County Georgia | 1 | $ 125,000 | $ 125,000 | $ 129,000 |
| Warren County Kentucky | 1 | $ 15,000 | $ 15,000 | $ 10,000 |
| Anne Arundel County Maryland | 1 | $ 325,000 | $ 325,000 | $ 373,000 |
| Cecil County Maryland | 1 | $ 265,000 | $ 265,000 | $ 102,000 |
| Howard County Maryland | 1 | $ 415,000 | $ 415,000 | $ 343,000 |
| Macomb County Michigan | 1 | $ 205,000 | $ 205,000 | $ 112,000 |
| Hennepin County Minnesota | 1 | $ 275,000 | $ 275,000 | $ 80,000 |
| Essex County New Jersey | 1 | $ 925,000 | $ 925,000 | $ 0 |
| Monmouth County New Jersey | 1 | $ 255,000 | $ 255,000 | $ 493,000 |
| Santa Fe County New Mexico | 1 | $ 365,000 | $ 365,000 | $ 239,000 |
| Albany County New York | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Richmond County New York | 1 | $ 325,000 | $ 325,000 | $ 253,000 |
| Steuben County New York | 1 | $ 575,000 | $ 575,000 | $ 329,000 |
| Brunswick County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Dare County North Carolina | 1 | $ 1,605,000 | $ 1,605,000 | $ 264,000 |
| Forsyth County North Carolina | 1 | $ 515,000 | $ 515,000 | $ 159,000 |
| Guilford County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 145,000 |
| New Hanover County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 427,000 |
| Ashtabula County Ohio | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Erie County Ohio | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Geauga County Ohio | 1 | $ 225,000 | $ 225,000 | $ 161,000 |
| Highland County Ohio | 1 | $ 455,000 | $ 455,000 | $ 600,000 |
| Ottawa County Ohio | 1 | $ 355,000 | $ 355,000 | $ 156,000 |
| Tuscarawas County Ohio | 1 | $ 75,000 | $ 75,000 | $ 135,000 |
| Wayne County Ohio | 1 | $ 275,000 | $ 275,000 | $ 178,000 |
| Wood County Ohio | 1 | $ 9,875,000 | $ 9,875,000 | $ 0 |
| Cameron County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 171,000 |
| Crawford County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 49,000 |
| Mifflin County Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 139,000 |
| Warren County Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 34,000 |
| Charleston County South Carolina | 1 | $ 295,000 | $ 295,000 | $ 120,000 |
| Pickens County South Carolina | 1 | $ 1,555,000 | $ 1,555,000 | $ 490,000 |
| Richland County South Carolina | 1 | $ 95,000 | $ 95,000 | $ 89,000 |
| Spartanburg County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 47,000 |
| Hamilton County Tennessee | 1 | $ 565,000 | $ 565,000 | $ 0 |
| Sevier County Tennessee | 1 | $ 285,000 | $ 285,000 | $ 198,000 |
| Manassas County Virginia | 1 | $ 245,000 | $ 245,000 | $ 62,000 |
| Mineral County West Virginia | 1 | $ 165,000 | $ 165,000 | $ 148,000 |
| Monongalia County 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.