S&T Bank Mortgage Lending & HMDA Data, 2022
In 2022, S&T Bank of Indiana, PA reported 5,868 mortgage applications totaling $1.5 billion, down 14% from 2021. The average application was for $256,274, and applicants reported an average income of $142,264. 67% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Pittsburgh, PA (2,257), Montgomery County-Bucks County-Chester County, PA (478) and Harrisburg-Carlisle, PA (348) (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 | 5,868 |
| Total Mortgage Loan Application Amount | $1,503,820,000 |
| Average Mortgage Loan Application Amount | $256,274 |
| Highest Mortgage Loan Application Amount | $30,705,000 |
| Average Applicant Income | $142,264 |
| Highest Applicant Income | $7,315,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,010 | $ 134,600,000 | $ 133,267 | $ 108,000 |
| Allegheny, Pennsylvania | 897 | $ 194,725,000 | $ 217,084 | $ 133,000 |
| Chester, Pennsylvania | 403 | $ 100,025,000 | $ 248,200 | $ 137,000 |
| Indiana, Pennsylvania | 352 | $ 38,140,000 | $ 108,352 | $ 81,000 |
| Jefferson, Pennsylvania | 331 | $ 32,275,000 | $ 97,507 | $ 80,000 |
| Lancaster, Pennsylvania | 217 | $ 56,995,000 | $ 262,649 | $ 165,000 |
| Cambria, Pennsylvania | 211 | $ 19,225,000 | $ 91,113 | $ 81,000 |
| Cumberland, Pennsylvania | 194 | $ 65,940,000 | $ 339,896 | $ 169,000 |
| Clearfield, Pennsylvania | 178 | $ 17,620,000 | $ 98,988 | $ 94,000 |
| Armstrong, Pennsylvania | 169 | $ 18,585,000 | $ 109,970 | $ 91,000 |
| Philadelphia, Pennsylvania | 151 | $ 57,425,000 | $ 380,298 | $ 167,000 |
| Dauphin, Pennsylvania | 139 | $ 47,285,000 | $ 340,179 | $ 129,000 |
| Blair, Pennsylvania | 90 | $ 11,350,000 | $ 126,111 | $ 106,000 |
| Delaware, Pennsylvania | 88 | $ 35,940,000 | $ 408,409 | $ 287,000 |
| Summit, Ohio | 84 | $ 19,100,000 | $ 227,380 | $ 144,000 |
| York, Pennsylvania | 83 | $ 16,345,000 | $ 196,927 | $ 120,000 |
| Butler, Pennsylvania | 72 | $ 17,910,000 | $ 248,750 | $ 142,000 |
| Clarion, Pennsylvania | 65 | $ 6,125,000 | $ 94,230 | $ 97,000 |
| Montgomery, Pennsylvania | 65 | $ 19,515,000 | $ 300,230 | $ 230,000 |
| Washington, Pennsylvania | 57 | $ 14,855,000 | $ 260,614 | $ 213,000 |
| Franklin, Ohio | 55 | $ 116,265,000 | $ 2,113,909 | $ 349,000 |
| Cuyahoga, Ohio | 51 | $ 17,175,000 | $ 336,764 | $ 250,000 |
| Beaver, Pennsylvania | 40 | $ 5,880,000 | $ 147,000 | $ 115,000 |
| Berks, Pennsylvania | 29 | $ 7,035,000 | $ 242,586 | $ 242,000 |
| Montgomery, Maryland | 28 | $ 32,790,000 | $ 1,171,071 | $ 294,000 |
| Elk, Pennsylvania | 28 | $ 4,580,000 | $ 163,571 | $ 65,000 |
| Lawrence, Pennsylvania | 28 | $ 3,310,000 | $ 118,214 | $ 78,000 |
| Somerset, Pennsylvania | 23 | $ 2,475,000 | $ 107,608 | $ 110,000 |
| Baltimore, Maryland | 22 | $ 15,900,000 | $ 722,727 | $ 236,000 |
| Delaware, Ohio | 20 | $ 8,730,000 | $ 436,500 | $ 478,000 |
| Medina, Ohio | 17 | $ 3,455,000 | $ 203,235 | $ 156,000 |
| New Castle, Delaware | 15 | $ 2,805,000 | $ 187,000 | $ 178,000 |
| Perry, Pennsylvania | 15 | $ 3,855,000 | $ 257,000 | $ 118,000 |
| Cape May, New Jersey | 14 | $ 18,060,000 | $ 1,290,000 | $ 434,000 |
| Stark, Ohio | 14 | $ 12,650,000 | $ 903,571 | $ 222,000 |
| Fayette, Pennsylvania | 12 | $ 1,890,000 | $ 157,500 | $ 113,000 |
| Howard, Maryland | 11 | $ 9,595,000 | $ 872,272 | $ 250,000 |
| Bedford, Pennsylvania | 11 | $ 975,000 | $ 88,636 | $ 106,000 |
| Bucks, Pennsylvania | 10 | $ 2,820,000 | $ 282,000 | $ 134,000 |
| Mercer, Pennsylvania | 10 | $ 3,020,000 | $ 302,000 | $ 117,000 |
| Carroll, Maryland | 9 | $ 7,085,000 | $ 787,222 | $ 202,000 |
| Lebanon, Pennsylvania | 9 | $ 2,525,000 | $ 280,555 | $ 176,000 |
| Collier, Florida | 8 | $ 5,800,000 | $ 725,000 | $ 208,000 |
| Palm Beach, Florida | 8 | $ 12,720,000 | $ 1,590,000 | $ 1,243,000 |
| Huntingdon, Pennsylvania | 8 | $ 1,640,000 | $ 205,000 | $ 166,000 |
| Monmouth, New Jersey | 7 | $ 2,905,000 | $ 415,000 | $ 281,000 |
| Ocean, New Jersey | 7 | $ 7,835,000 | $ 1,119,285 | $ 623,000 |
| Mahoning, Ohio | 7 | $ 615,000 | $ 87,857 | $ 637,000 |
| Adams, Pennsylvania | 7 | $ 3,625,000 | $ 517,857 | $ 180,000 |
| Los Angeles, California | 6 | $ 6,700,000 | $ 1,116,666 | $ 335,000 |
| Sussex, Delaware | 6 | $ 3,640,000 | $ 606,666 | $ 322,000 |
| Harford, Maryland | 6 | $ 4,880,000 | $ 813,333 | $ 315,000 |
| Licking, Ohio | 6 | $ 1,240,000 | $ 206,666 | $ 271,000 |
| Forest, Pennsylvania | 6 | $ 760,000 | $ 126,666 | $ 106,000 |
| Lehigh, Pennsylvania | 6 | $ 1,240,000 | $ 206,666 | $ 63,000 |
| Beaufort, South Carolina | 6 | $ 5,730,000 | $ 955,000 | $ 239,000 |
| Sarasota, Florida | 5 | $ 2,475,000 | $ 495,000 | $ 267,000 |
| Cecil, Maryland | 5 | $ 2,525,000 | $ 505,000 | $ 166,000 |
| Portage, Ohio | 5 | $ 1,605,000 | $ 321,000 | $ 115,000 |
| Crawford, Pennsylvania | 5 | $ 1,155,000 | $ 231,000 | $ 83,000 |
| Volusia, Florida | 4 | $ 1,720,000 | $ 430,000 | $ 320,000 |
| Worcester, Maryland | 4 | $ 1,330,000 | $ 332,500 | $ 196,000 |
| Atlantic, New Jersey | 4 | $ 890,000 | $ 222,500 | $ 516,000 |
| Bergen, New Jersey | 4 | $ 3,100,000 | $ 775,000 | $ 311,000 |
| Essex, New Jersey | 4 | $ 1,730,000 | $ 432,500 | $ 245,000 |
| Erie, New York | 4 | $ 2,190,000 | $ 547,500 | $ 88,000 |
| Mecklenburg, North Carolina | 4 | $ 3,280,000 | $ 820,000 | $ 219,000 |
| Erie, Ohio | 4 | $ 1,880,000 | $ 470,000 | $ 465,000 |
| Madison, Ohio | 4 | $ 1,210,000 | $ 302,500 | $ 96,000 |
| Trumbull, Ohio | 4 | $ 290,000 | $ 72,500 | $ 144,000 |
| Erie, Pennsylvania | 4 | $ 260,000 | $ 65,000 | $ 110,000 |
| Lackawanna, Pennsylvania | 4 | $ 440,000 | $ 110,000 | $ 119,000 |
| Luzerne, Pennsylvania | 4 | $ 1,380,000 | $ 345,000 | $ 210,000 |
| Northampton, Pennsylvania | 4 | $ 760,000 | $ 190,000 | $ 172,000 |
| Venango, Pennsylvania | 4 | $ 440,000 | $ 110,000 | $ 62,000 |
| Horry, South Carolina | 4 | $ 570,000 | $ 142,500 | $ 80,000 |
| San Diego, California | 3 | $ 5,045,000 | $ 1,681,666 | $ 407,000 |
| Anne Arundel, Maryland | 3 | $ 2,425,000 | $ 808,333 | $ 418,000 |
| Frederick, Maryland | 3 | $ 835,000 | $ 278,333 | $ 158,000 |
| Garrett, Maryland | 3 | $ 885,000 | $ 295,000 | $ 136,000 |
| Burlington, New Jersey | 3 | $ 625,000 | $ 208,333 | $ 150,000 |
| Camden, New Jersey | 3 | $ 385,000 | $ 128,333 | $ 126,000 |
| Monroe, New York | 3 | $ 775,000 | $ 258,333 | $ 0 |
| Columbiana, Ohio | 3 | $ 655,000 | $ 218,333 | $ 72,000 |
| Fairfield, Ohio | 3 | $ 1,105,000 | $ 368,333 | $ 200,000 |
| Geauga, Ohio | 3 | $ 875,000 | $ 291,666 | $ 153,000 |
| Lorain, Ohio | 3 | $ 1,275,000 | $ 425,000 | $ 358,000 |
| Union, Ohio | 3 | $ 1,465,000 | $ 488,333 | $ 546,000 |
| Wayne, Ohio | 3 | $ 805,000 | $ 268,333 | $ 310,000 |
| Carbon, Pennsylvania | 3 | $ 725,000 | $ 241,666 | $ 219,000 |
| Centre, Pennsylvania | 3 | $ 475,000 | $ 158,333 | $ 124,000 |
| Franklin, Pennsylvania | 3 | $ 115,000 | $ 38,333 | $ 127,000 |
| Greene, Pennsylvania | 3 | $ 365,000 | $ 121,666 | $ 80,000 |
| Schuylkill, Pennsylvania | 3 | $ 475,000 | $ 158,333 | $ 92,000 |
| Charleston, South Carolina | 3 | $ 2,025,000 | $ 675,000 | $ 353,000 |
| Maricopa, Arizona | 2 | $ 690,000 | $ 345,000 | $ 315,000 |
| Merced, California | 2 | $ 210,000 | $ 105,000 | $ 121,000 |
| San Bernardino, California | 2 | $ 190,000 | $ 95,000 | $ 136,000 |
| Bay, Florida | 2 | $ 890,000 | $ 445,000 | $ 0 |
| Hillsborough, Florida | 2 | $ 2,160,000 | $ 1,080,000 | $ 351,000 |
| Manatee, Florida | 2 | $ 1,200,000 | $ 600,000 | $ 847,000 |
| Miami-Dade, Florida | 2 | $ 1,390,000 | $ 695,000 | $ 2,919,000 |
| Pinellas, Florida | 2 | $ 350,000 | $ 175,000 | $ 226,000 |
| St. Lucie, Florida | 2 | $ 510,000 | $ 255,000 | $ 129,000 |
| Fulton, Georgia | 2 | $ 1,870,000 | $ 935,000 | $ 442,000 |
| Kane, Illinois | 2 | $ 590,000 | $ 295,000 | $ 49,000 |
| Lake, Illinois | 2 | $ 2,320,000 | $ 1,160,000 | $ 488,000 |
| McHenry, Illinois | 2 | $ 150,000 | $ 75,000 | $ 501,000 |
| Talbot, Maryland | 2 | $ 11,860,000 | $ 5,930,000 | $ 241,000 |
| Gloucester, New Jersey | 2 | $ 1,100,000 | $ 550,000 | $ 242,000 |
| Dare, North Carolina | 2 | $ 1,410,000 | $ 705,000 | $ 121,000 |
| Ashtabula, Ohio | 2 | $ 1,100,000 | $ 550,000 | $ 88,000 |
| Carroll, Ohio | 2 | $ 380,000 | $ 190,000 | $ 121,000 |
| Coshocton, Ohio | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Monroe, Pennsylvania | 2 | $ 380,000 | $ 190,000 | $ 119,000 |
| Warren, Pennsylvania | 2 | $ 90,000 | $ 45,000 | $ 171,000 |
| Davidson, Tennessee | 2 | $ 2,080,000 | $ 1,040,000 | $ 368,000 |
| Arlington, Virginia | 2 | $ 1,470,000 | $ 735,000 | $ 205,000 |
| Fairfax, Virginia | 2 | $ 1,910,000 | $ 955,000 | $ 213,000 |
| Coconino, Arizona | 1 | $ 1,505,000 | $ 1,505,000 | $ 1,202,000 |
| Yavapai, Arizona | 1 | $ 3,245,000 | $ 3,245,000 | $ 619,000 |
| Orange, California | 1 | $ 1,705,000 | $ 1,705,000 | $ 595,000 |
| Placer, California | 1 | $ 1,045,000 | $ 1,045,000 | $ 279,000 |
| Riverside, California | 1 | $ 785,000 | $ 785,000 | $ 204,000 |
| Sacramento, California | 1 | $ 305,000 | $ 305,000 | $ 128,000 |
| San Francisco, California | 1 | $ 1,575,000 | $ 1,575,000 | $ 400,000 |
| San Luis Obispo, California | 1 | $ 1,715,000 | $ 1,715,000 | $ 578,000 |
| Tulare, California | 1 | $ 185,000 | $ 185,000 | $ 205,000 |
| Chaffee, Colorado | 1 | $ 755,000 | $ 755,000 | $ 1,447,000 |
| Jefferson, Colorado | 1 | $ 1,055,000 | $ 1,055,000 | $ 262,000 |
| District of Columbia, District Of Columbia | 1 | $ 1,105,000 | $ 1,105,000 | $ 340,000 |
| Flagler, Florida | 1 | $ 415,000 | $ 415,000 | $ 218,000 |
| Lee, Florida | 1 | $ 215,000 | $ 215,000 | $ 182,000 |
| Marion, Florida | 1 | $ 255,000 | $ 255,000 | $ 103,000 |
| Orange, Florida | 1 | $ 145,000 | $ 145,000 | $ 399,000 |
| Polk, Florida | 1 | $ 1,285,000 | $ 1,285,000 | $ 457,000 |
| Santa Rosa, Florida | 1 | $ 205,000 | $ 205,000 | $ 147,000 |
| St. Johns, Florida | 1 | $ 825,000 | $ 825,000 | $ 455,000 |
| Glynn, Georgia | 1 | $ 2,805,000 | $ 2,805,000 | $ 1,619,000 |
| Gwinnett, Georgia | 1 | $ 1,825,000 | $ 1,825,000 | $ 1,841,000 |
| Oconee, Georgia | 1 | $ 175,000 | $ 175,000 | $ 89,000 |
| Cook, Illinois | 1 | $ 1,615,000 | $ 1,615,000 | $ 322,000 |
| Tazewell, Illinois | 1 | $ 305,000 | $ 305,000 | $ 169,000 |
| Allen, Indiana | 1 | $ 495,000 | $ 495,000 | $ 105,000 |
| Marion, Indiana | 1 | $ 605,000 | $ 605,000 | $ 225,000 |
| Bullitt, Kentucky | 1 | $ 495,000 | $ 495,000 | $ 130,000 |
| McCracken, Kentucky | 1 | $ 195,000 | $ 195,000 | $ 60,000 |
| Caroline, Maryland | 1 | $ 115,000 | $ 115,000 | $ 318,000 |
| Dorchester, Maryland | 1 | $ 325,000 | $ 325,000 | $ 160,000 |
| Prince George's, Maryland | 1 | $ 105,000 | $ 105,000 | $ 350,000 |
| Essex, Massachusetts | 1 | $ 1,255,000 | $ 1,255,000 | $ 272,000 |
| Middlesex, Massachusetts | 1 | $ 605,000 | $ 605,000 | $ 367,000 |
| Norfolk, Massachusetts | 1 | $ 405,000 | $ 405,000 | $ 845,000 |
| Suffolk, Massachusetts | 1 | $ 525,000 | $ 525,000 | $ 215,000 |
| Macomb, Michigan | 1 | $ 315,000 | $ 315,000 | $ 90,000 |
| Oakland, Michigan | 1 | $ 24,005,000 | $ 24,005,000 | $ 0 |
| Gallatin, Montana | 1 | $ 6,505,000 | $ 6,505,000 | $ 1,052,000 |
| Washoe, Nevada | 1 | $ 1,175,000 | $ 1,175,000 | $ 500,000 |
| Rockingham, New Hampshire | 1 | $ 2,455,000 | $ 2,455,000 | $ 431,000 |
| Cumberland, New Jersey | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Mercer, New Jersey | 1 | $ 705,000 | $ 705,000 | $ 1,000 |
| Passaic, New Jersey | 1 | $ 635,000 | $ 635,000 | $ 292,000 |
| Salem, New Jersey | 1 | $ 75,000 | $ 75,000 | $ 146,000 |
| Union, New Jersey | 1 | $ 305,000 | $ 305,000 | $ 92,000 |
| Chautauqua, New York | 1 | $ 45,000 | $ 45,000 | $ 45,000 |
| New York, New York | 1 | $ 115,000 | $ 115,000 | $ 375,000 |
| Niagara, New York | 1 | $ 1,355,000 | $ 1,355,000 | $ 0 |
| Queens, New York | 1 | $ 15,000 | $ 15,000 | $ 168,000 |
| Warren, New York | 1 | $ 45,000 | $ 45,000 | $ 150,000 |
| Wayne, New York | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Davidson, North Carolina | 1 | $ 145,000 | $ 145,000 | $ 100,000 |
| Athens, Ohio | 1 | $ 65,000 | $ 65,000 | $ 62,000 |
| Clark, Ohio | 1 | $ 2,435,000 | $ 2,435,000 | $ 0 |
| Hamilton, Ohio | 1 | $ 55,000 | $ 55,000 | $ 55,000 |
| Hocking, Ohio | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Huron, Ohio | 1 | $ 425,000 | $ 425,000 | $ 128,000 |
| Lake, Ohio | 1 | $ 225,000 | $ 225,000 | $ 209,000 |
| Montgomery, Ohio | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Morrow, Ohio | 1 | $ 725,000 | $ 725,000 | $ 207,000 |
| Juniata, Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 255,000 |
| Mifflin, Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Northumberland, Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 78,000 |
| Pike, Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 143,000 |
| Snyder, Pennsylvania | 1 | $ 335,000 | $ 335,000 | $ 80,000 |
| Sullivan, Pennsylvania | 1 | $ 675,000 | $ 675,000 | $ 642,000 |
| Wayne, Pennsylvania | 1 | $ 335,000 | $ 335,000 | $ 147,000 |
| Georgetown, South Carolina | 1 | $ 565,000 | $ 565,000 | $ 126,000 |
| Greenville, South Carolina | 1 | $ 115,000 | $ 115,000 | $ 177,000 |
| Richland, South Carolina | 1 | $ 25,000 | $ 25,000 | $ 89,000 |
| Cheatham, Tennessee | 1 | $ 275,000 | $ 275,000 | $ 95,000 |
| Hamilton, Tennessee | 1 | $ 545,000 | $ 545,000 | $ 235,000 |
| Sevier, Tennessee | 1 | $ 255,000 | $ 255,000 | $ 300,000 |
| Shelby, Tennessee | 1 | $ 145,000 | $ 145,000 | $ 1,662,000 |
| Sumner, Tennessee | 1 | $ 515,000 | $ 515,000 | $ 258,000 |
| Tarrant, Texas | 1 | $ 325,000 | $ 325,000 | $ 245,000 |
| Wharton, Texas | 1 | $ 285,000 | $ 285,000 | $ 499,000 |
| Williamson, Texas | 1 | $ 755,000 | $ 755,000 | $ 0 |
| Wasatch, Utah | 1 | $ 455,000 | $ 455,000 | $ 294,000 |
| Accomack, Virginia | 1 | $ 275,000 | $ 275,000 | $ 256,000 |
| Alexandria, Virginia | 1 | $ 815,000 | $ 815,000 | $ 458,000 |
| Charlottesville, Virginia | 1 | $ 985,000 | $ 985,000 | $ 170,000 |
| Chesterfield, Virginia | 1 | $ 785,000 | $ 785,000 | $ 467,000 |
| Loudoun, Virginia | 1 | $ 55,000 | $ 55,000 | $ 150,000 |
| Northampton, Virginia | 1 | $ 565,000 | $ 565,000 | $ 592,000 |
| Virginia Beach, Virginia | 1 | $ 325,000 | $ 325,000 | $ 1,841,000 |
| Yakima, Washington | 1 | $ 615,000 | $ 615,000 | $ 392,000 |
| Braxton, West Virginia | 1 | $ 305,000 | $ 305,000 | $ 1,200,000 |
| Randolph, West Virginia | 1 | $ 545,000 | $ 545,000 | $ 275,000 |
Mortgage Loan Application Detail Totals for S&T Bank in 2022
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 | 1,679 | $784,525,000 | $467,000 | $30,705,000 | $173,000 | $5,838,000 |
| Home Improvement | 1,628 | $184,870,000 | $113,000 | $2,005,000 | $125,000 | $2,544,000 |
| Refinancing | 1,466 | $364,380,000 | $248,000 | $24,005,000 | $137,000 | $7,315,000 |
| Other Purpose | 751 | $83,105,000 | $110,000 | $1,465,000 | $120,000 | $2,050,000 |
| Cash-out Refinancing | 344 | $86,940,000 | $252,000 | $4,005,000 | $145,000 | $5,184,000 |
| 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 | 4,006 | $803,330,000 | $200,000 | $6,505,000 | $136,000 | $7,315,000 |
| Not Provided | 1,044 | $239,260,000 | $229,000 | $4,345,000 | $151,000 | $4,800,000 |
| Not applicable | 415 | $354,805,000 | $854,000 | $30,705,000 | $0 | $0 |
| Black or African American | 155 | $31,755,000 | $204,000 | $2,185,000 | $121,000 | $900,000 |
| Asian | 139 | $44,215,000 | $318,000 | $1,775,000 | $199,000 | $1,600,000 |
| Hispanic | 72 | $19,170,000 | $266,000 | $1,805,000 | $162,000 | $1,479,000 |
| American Indian or Alaskan Native | 17 | $2,705,000 | $159,000 | $505,000 | $275,000 | $687,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $160,000 | $80,000 | $85,000 | $90,000 | $146,000 |
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) | 5,854 | $1,501,530,000 | $256,000 | $30,705,000 | $141,000 | $7,315,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,395,000 | $126,000 | $375,000 | $72,000 | $150,000 |
| VA-guaranteed (Veterans Administration) | 3 | $895,000 | $298,000 | $415,000 | $102,000 | $268,000 |
| 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 | 3,923 | $1,012,845,000 | $258,000 | $24,055,000 | $148,000 | $7,315,000 |
| Application Denied By Financial Institution | 990 | $146,160,000 | $147,000 | $4,345,000 | $103,000 | $1,600,000 |
| Application Approved But Not Accepted | 346 | $80,620,000 | $233,000 | $24,005,000 | $141,000 | $4,800,000 |
| Application Withdrawn By Applicant | 286 | $131,840,000 | $460,000 | $30,705,000 | $184,000 | $2,692,000 |
| File Closed For Incompleteness | 148 | $62,660,000 | $423,000 | $2,105,000 | $162,000 | $642,000 |
| Preapproval Approved but not Accepted | 120 | $48,990,000 | $408,000 | $1,905,000 | $133,000 | $640,000 |
| Preapproval Denied by Financial Institution | 49 | $19,235,000 | $392,000 | $1,805,000 | $88,000 | $408,000 |
| Loan Purchased By The Institution | 6 | $1,470,000 | $245,000 | $455,000 | $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 | 4,829 | $1,338,425,000 | $277,000 | $30,705,000 | $150,000 | $7,315,000 |
| Credit History | 500 | $56,830,000 | $113,000 | $1,095,000 | $85,000 | $780,000 |
| Collateral | 327 | $44,405,000 | $135,000 | $4,345,000 | $137,000 | $1,600,000 |
| Debt-To-Income Ratio | 172 | $52,270,000 | $303,000 | $2,105,000 | $63,000 | $408,000 |
| Unverifiable Information | 25 | $6,705,000 | $268,000 | $2,005,000 | $237,000 | $1,352,000 |
| Other | 7 | $1,335,000 | $190,000 | $605,000 | $126,000 | $225,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $2,835,000 | $567,000 | $2,385,000 | $141,000 | $407,000 |
| Employment History | 3 | $1,015,000 | $338,000 | $905,000 | $62,000 | $153,000 |
| Credit Application Incomplete | 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 2022 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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