S&T Bank Mortgage Lending & HMDA Data, 2020

In 2020, S&T Bank of Indiana, PA reported 6,799 mortgage applications totaling $1.4 billion, up 14% from 2019. The average application was for $203,324, and applicants reported an average income of $129,488. 66% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Pittsburgh, PA (2,610), Harrisburg-Carlisle, PA (662) and Montgomery County-Bucks County-Chester County, PA (514) (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 6,799
Total Mortgage Loan Application Amount $1,382,405,000
Average Mortgage Loan Application Amount $203,324
Highest Mortgage Loan Application Amount $29,965,000
Average Applicant Income $129,488
Highest Applicant Income $9,014,000

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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for S&T Bank by County in 2020

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Westmoreland, Pennsylvania 1,263 $ 174,365,000 $ 138,056 $ 112,000
Allegheny, Pennsylvania 915 $ 176,405,000 $ 192,792 $ 144,000
Indiana, Pennsylvania 533 $ 56,315,000 $ 105,656 $ 87,000
Chester, Pennsylvania 454 $ 92,380,000 $ 203,480 $ 147,000
Cumberland, Pennsylvania 362 $ 78,180,000 $ 215,966 $ 150,000
Jefferson, Pennsylvania 360 $ 35,470,000 $ 98,527 $ 89,000
Lancaster, Pennsylvania 313 $ 70,015,000 $ 223,690 $ 149,000
Dauphin, Pennsylvania 285 $ 58,055,000 $ 203,701 $ 134,000
Cambria, Pennsylvania 240 $ 24,540,000 $ 102,250 $ 90,000
Clearfield, Pennsylvania 230 $ 26,390,000 $ 114,739 $ 91,000
Armstrong, Pennsylvania 201 $ 20,625,000 $ 102,611 $ 81,000
Blair, Pennsylvania 155 $ 20,725,000 $ 133,709 $ 100,000
York, Pennsylvania 130 $ 29,110,000 $ 223,923 $ 123,000
Summit, Ohio 100 $ 19,740,000 $ 197,400 $ 113,000
Clarion, Pennsylvania 92 $ 10,240,000 $ 111,304 $ 92,000
Butler, Pennsylvania 91 $ 19,135,000 $ 210,274 $ 146,000
Philadelphia, Pennsylvania 90 $ 38,940,000 $ 432,666 $ 180,000
Washington, Pennsylvania 68 $ 12,760,000 $ 187,647 $ 239,000
Cuyahoga, Ohio 58 $ 10,020,000 $ 172,758 $ 151,000
Beaver, Pennsylvania 54 $ 9,010,000 $ 166,851 $ 101,000
Montgomery, Pennsylvania 46 $ 14,920,000 $ 324,347 $ 257,000
Berks, Pennsylvania 44 $ 8,720,000 $ 198,181 $ 210,000
Delaware, Pennsylvania 39 $ 10,885,000 $ 279,102 $ 160,000
Franklin, Ohio 37 $ 83,235,000 $ 2,249,594 $ 339,000
Lebanon, Pennsylvania 29 $ 5,745,000 $ 198,103 $ 150,000
Medina, Ohio 27 $ 9,515,000 $ 352,407 $ 135,000
Delaware, Ohio 25 $ 25,475,000 $ 1,019,000 $ 482,000
Elk, Pennsylvania 21 $ 2,125,000 $ 101,190 $ 75,000
Fayette, Pennsylvania 18 $ 2,230,000 $ 123,888 $ 124,000
Bedford, Pennsylvania 16 $ 1,750,000 $ 109,375 $ 62,000
Perry, Pennsylvania 15 $ 2,935,000 $ 195,666 $ 102,000
Bucks, Pennsylvania 14 $ 3,910,000 $ 279,285 $ 192,000
Centre, Pennsylvania 13 $ 2,595,000 $ 199,615 $ 202,000
Mercer, Pennsylvania 12 $ 1,570,000 $ 130,833 $ 181,000
Garrett, Maryland 11 $ 4,385,000 $ 398,636 $ 389,000
Lawrence, Pennsylvania 11 $ 1,445,000 $ 131,363 $ 96,000
Cape May, New Jersey 10 $ 12,910,000 $ 1,291,000 $ 705,000
Portage, Ohio 10 $ 1,630,000 $ 163,000 $ 77,000
Stark, Ohio 10 $ 2,060,000 $ 206,000 $ 107,000
Somerset, Pennsylvania 10 $ 1,510,000 $ 151,000 $ 176,000
New Castle, Delaware 9 $ 3,015,000 $ 335,000 $ 96,000
Lake, Ohio 8 $ 3,090,000 $ 386,250 $ 114,000
Lorain, Ohio 8 $ 2,340,000 $ 292,500 $ 145,000
Lehigh, Pennsylvania 8 $ 1,030,000 $ 128,750 $ 125,000
Union, Ohio 7 $ 29,175,000 $ 4,167,857 $ 382,000
Forest, Pennsylvania 7 $ 535,000 $ 76,428 $ 66,000
Frederick, Maryland 6 $ 1,510,000 $ 251,666 $ 108,000
Atlantic, New Jersey 6 $ 3,100,000 $ 516,666 $ 203,000
Camden, New Jersey 6 $ 1,350,000 $ 225,000 $ 96,000
Erie, Pennsylvania 6 $ 14,810,000 $ 2,468,333 $ 172,000
Luzerne, Pennsylvania 6 $ 1,730,000 $ 288,333 $ 1,100,000
Sussex, Delaware 5 $ 32,825,000 $ 6,565,000 $ 294,000
Erie, New York 5 $ 2,935,000 $ 587,000 $ 0
Geauga, Ohio 5 $ 1,445,000 $ 289,000 $ 126,000
Crawford, Pennsylvania 5 $ 875,000 $ 175,000 $ 113,000
Maricopa, Arizona 4 $ 2,570,000 $ 642,500 $ 244,000
Monmouth, New Jersey 4 $ 2,870,000 $ 717,500 $ 247,000
Monroe, New York 4 $ 910,000 $ 227,500 $ 52,000
Franklin, Pennsylvania 4 $ 820,000 $ 205,000 $ 195,000
Venango, Pennsylvania 4 $ 590,000 $ 147,500 $ 106,000
Horry, South Carolina 4 $ 810,000 $ 202,500 $ 378,000
Collier, Florida 3 $ 1,125,000 $ 375,000 $ 227,000
Lee, Florida 3 $ 655,000 $ 218,333 $ 189,000
Pinellas, Florida 3 $ 715,000 $ 238,333 $ 360,000
Sarasota, Florida 3 $ 565,000 $ 188,333 $ 116,000
St. Lucie, Florida 3 $ 5,405,000 $ 1,801,666 $ 546,000
Anne Arundel, Maryland 3 $ 7,315,000 $ 2,438,333 $ 110,000
Worcester, Maryland 3 $ 745,000 $ 248,333 $ 136,000
Stanly, North Carolina 3 $ 505,000 $ 168,333 $ 62,000
Erie, Ohio 3 $ 1,105,000 $ 368,333 $ 211,000
Licking, Ohio 3 $ 1,865,000 $ 621,666 $ 293,000
Mahoning, Ohio 3 $ 675,000 $ 225,000 $ 185,000
Mifflin, Pennsylvania 3 $ 415,000 $ 138,333 $ 123,000
Monroe, Pennsylvania 3 $ 255,000 $ 85,000 $ 125,000
Union, Pennsylvania 3 $ 415,000 $ 138,333 $ 163,000
Madison, Alabama 2 $ 170,000 $ 85,000 $ 82,000
District of Columbia, District Of Columbia 2 $ 2,520,000 $ 1,260,000 $ 304,000
Broward, Florida 2 $ 420,000 $ 210,000 $ 355,000
Charlotte, Florida 2 $ 740,000 $ 370,000 $ 179,000
Hillsborough, Florida 2 $ 360,000 $ 180,000 $ 300,000
Palm Beach, Florida 2 $ 3,020,000 $ 1,510,000 $ 2,392,000
Baltimore, Maryland 2 $ 750,000 $ 375,000 $ 158,000
Howard, Maryland 2 $ 690,000 $ 345,000 $ 219,000
Burlington, New Jersey 2 $ 730,000 $ 365,000 $ 300,000
Onondaga, New York 2 $ 1,540,000 $ 770,000 $ 96,000
Brunswick, North Carolina 2 $ 730,000 $ 365,000 $ 195,000
Forsyth, North Carolina 2 $ 450,000 $ 225,000 $ 142,000
Ashtabula, Ohio 2 $ 440,000 $ 220,000 $ 223,000
Columbiana, Ohio 2 $ 300,000 $ 150,000 $ 107,000
Fairfield, Ohio 2 $ 400,000 $ 200,000 $ 107,000
Hamilton, Ohio 2 $ 580,000 $ 290,000 $ 700,000
Hocking, Ohio 2 $ 640,000 $ 320,000 $ 352,000
Jefferson, Ohio 2 $ 720,000 $ 360,000 $ 165,000
Wood, Ohio 2 $ 580,000 $ 290,000 $ 125,000
Adams, Pennsylvania 2 $ 880,000 $ 440,000 $ 118,000
Cameron, Pennsylvania 2 $ 230,000 $ 115,000 $ 178,000
Carbon, Pennsylvania 2 $ 390,000 $ 195,000 $ 176,000
Greene, Pennsylvania 2 $ 210,000 $ 105,000 $ 0
Huntingdon, Pennsylvania 2 $ 160,000 $ 80,000 $ 82,000
Schuylkill, Pennsylvania 2 $ 220,000 $ 110,000 $ 94,000
Snyder, Pennsylvania 2 $ 560,000 $ 280,000 $ 89,000
Beaufort, South Carolina 2 $ 2,940,000 $ 1,470,000 $ 2,258,000
Sevier, Tennessee 2 $ 410,000 $ 205,000 $ 72,000
Pima, Arizona 1 $ 165,000 $ 165,000 $ 96,000
New Haven, Connecticut 1 $ 295,000 $ 295,000 $ 139,000
Alachua, Florida 1 $ 305,000 $ 305,000 $ 125,000
Columbia, Florida 1 $ 185,000 $ 185,000 $ 360,000
Escambia, Florida 1 $ 365,000 $ 365,000 $ 133,000
Lake, Florida 1 $ 205,000 $ 205,000 $ 59,000
Miami-Dade, Florida 1 $ 905,000 $ 905,000 $ 336,000
Polk, Florida 1 $ 125,000 $ 125,000 $ 130,000
Sumter, Florida 1 $ 195,000 $ 195,000 $ 93,000
Cook, Illinois 1 $ 325,000 $ 325,000 $ 0
Cecil, Maryland 1 $ 145,000 $ 145,000 $ 0
Montgomery, Maryland 1 $ 165,000 $ 165,000 $ 394,000
Somerset, Maryland 1 $ 485,000 $ 485,000 $ 346,000
Talbot, Maryland 1 $ 285,000 $ 285,000 $ 121,000
Wicomico, Maryland 1 $ 105,000 $ 105,000 $ 47,000
St. Louis, Missouri 1 $ 75,000 $ 75,000 $ 145,000
Sanders, Montana 1 $ 445,000 $ 445,000 $ 210,000
Strafford, New Hampshire 1 $ 185,000 $ 185,000 $ 441,000
Gloucester, New Jersey 1 $ 265,000 $ 265,000 $ 268,000
Ocean, New Jersey 1 $ 155,000 $ 155,000 $ 318,000
Union, New Jersey 1 $ 2,005,000 $ 2,005,000 $ 694,000
Sandoval, New Mexico 1 $ 225,000 $ 225,000 $ 76,000
Broome, New York 1 $ 635,000 $ 635,000 $ 0
Orange, New York 1 $ 135,000 $ 135,000 $ 0
Orleans, New York 1 $ 155,000 $ 155,000 $ 0
Rensselaer, New York 1 $ 145,000 $ 145,000 $ 58,000
Westchester, New York 1 $ 605,000 $ 605,000 $ 576,000
Currituck, North Carolina 1 $ 395,000 $ 395,000 $ 107,000
Dare, North Carolina 1 $ 765,000 $ 765,000 $ 252,000
Iredell, North Carolina 1 $ 285,000 $ 285,000 $ 166,000
Wake, North Carolina 1 $ 195,000 $ 195,000 $ 109,000
Carroll, Ohio 1 $ 375,000 $ 375,000 $ 122,000
Clark, Ohio 1 $ 145,000 $ 145,000 $ 56,000
Jackson, Ohio 1 $ 85,000 $ 85,000 $ 83,000
Logan, Ohio 1 $ 205,000 $ 205,000 $ 130,000
Marion, Ohio 1 $ 175,000 $ 175,000 $ 108,000
Trumbull, Ohio 1 $ 115,000 $ 115,000 $ 136,000
Wayne, Ohio 1 $ 7,825,000 $ 7,825,000 $ 0
Tulsa, Oklahoma 1 $ 335,000 $ 335,000 $ 290,000
Clinton, Pennsylvania 1 $ 55,000 $ 55,000 $ 0
Juniata, Pennsylvania 1 $ 65,000 $ 65,000 $ 57,000
Lackawanna, Pennsylvania 1 $ 75,000 $ 75,000 $ 44,000
Lycoming, Pennsylvania 1 $ 515,000 $ 515,000 $ 261,000
Northampton, Pennsylvania 1 $ 335,000 $ 335,000 $ 170,000
Northumberland, Pennsylvania 1 $ 15,000 $ 15,000 $ 135,000
Bradley, Tennessee 1 $ 75,000 $ 75,000 $ 49,000
Cocke, Tennessee 1 $ 285,000 $ 285,000 $ 111,000
Hamilton, Tennessee 1 $ 515,000 $ 515,000 $ 200,000
Monroe, Tennessee 1 $ 405,000 $ 405,000 $ 207,000
Tarrant, Texas 1 $ 105,000 $ 105,000 $ 660,000
Chesterfield, Virginia 1 $ 75,000 $ 75,000 $ 178,000
Loudoun, Virginia 1 $ 425,000 $ 425,000 $ 173,000
Pittsylvania, Virginia 1 $ 135,000 $ 135,000 $ 126,000
Shenandoah, Virginia 1 $ 145,000 $ 145,000 $ 74,000
Westmoreland, Virginia 1 $ 135,000 $ 135,000 $ 37,000
Yakima, Washington 1 $ 625,000 $ 625,000 $ 405,000
Hancock, West Virginia 1 $ 15,000 $ 15,000 $ 60,000
Roane, West Virginia 1 $ 195,000 $ 195,000 $ 80,000
Ozaukee, Wisconsin 1 $ 265,000 $ 265,000 $ 227,000
Teton, Wyoming 1 $ 435,000 $ 435,000 $ 384,000

Mortgage Loan Application Detail Totals for S&T Bank in 2020

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
Refinancing 2,888 $619,840,000 $214,000 $20,885,000 $133,000 $4,449,000
Home Purchase 1,732 $490,900,000 $283,000 $29,965,000 $116,000 $1,460,000
Home Improvement 909 $79,115,000 $87,000 $2,505,000 $125,000 $4,449,000
Other Purpose 699 $74,255,000 $106,000 $2,005,000 $153,000 $9,014,000
Cash-out Refinancing 571 $118,295,000 $207,000 $1,505,000 $131,000 $1,500,000
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 4,384 $791,640,000 $180,000 $4,365,000 $124,000 $4,449,000
Not Provided 1,774 $224,030,000 $126,000 $2,805,000 $142,000 $9,014,000
Not applicable 381 $310,665,000 $815,000 $29,965,000 $0 $0
Asian 122 $29,320,000 $240,000 $765,000 $149,000 $457,000
Black or African American 62 $10,100,000 $162,000 $555,000 $99,000 $294,000
Hispanic 53 $11,035,000 $208,000 $485,000 $126,000 $780,000
American Indian or Alaskan Native 9 $795,000 $88,000 $225,000 $400,000 $3,110,000
Native Hawaiian or Other Pacific Islander 3 $565,000 $188,000 $205,000 $114,000 $135,000

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) 6,770 $1,378,230,000 $203,000 $29,965,000 $130,000 $9,014,000
FHA-insured (Federal Housing Administration) 19 $2,495,000 $131,000 $235,000 $81,000 $244,000
VA-guaranteed (Veterans Administration) 10 $1,680,000 $168,000 $295,000 $77,000 $122,000
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 4,497 $950,735,000 $211,000 $29,965,000 $134,000 $9,014,000
Application Denied By Financial Institution 855 $129,805,000 $151,000 $14,105,000 $99,000 $1,896,000
Application Withdrawn By Applicant 777 $170,725,000 $219,000 $7,005,000 $135,000 $3,509,000
Application Approved But Not Accepted 302 $42,780,000 $141,000 $1,405,000 $125,000 $1,148,000
File Closed For Incompleteness 259 $64,805,000 $250,000 $4,365,000 $156,000 $1,700,000
Preapproval Approved but not Accepted 74 $17,030,000 $230,000 $1,205,000 $99,000 $513,000
Preapproval Denied by Financial Institution 35 $6,525,000 $186,000 $655,000 $67,000 $223,000
Loan Purchased By The Institution 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
Not applicable 5,909 $1,246,075,000 $210,000 $29,965,000 $135,000 $9,014,000
Credit History 408 $36,210,000 $88,000 $1,205,000 $94,000 $680,000
Collateral 252 $35,030,000 $139,000 $1,005,000 $119,000 $1,896,000
Debt-To-Income Ratio 172 $38,940,000 $226,000 $1,475,000 $65,000 $398,000
Unverifiable Information 32 $4,980,000 $155,000 $595,000 $139,000 $445,000
Other 15 $18,795,000 $1,253,000 $14,105,000 $94,000 $226,000
Employment History 7 $1,175,000 $167,000 $285,000 $78,000 $217,000
Insufficient Cash (Downpayment, Closing Cost) 2 $570,000 $285,000 $375,000 $101,000 $122,000
Credit Application Incomplete 2 $630,000 $315,000 $445,000 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into S&T Bank's 2020 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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