S&T Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
S&T Bank 2022 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 | 5,868 |
| Total Mortgage Loan Application Amount | $1,503,820,000 |
| Average Mortgage Loan Application Amount | $238,000 |
| Highest Mortgage Loan Application Amount | $30,705,000 |
| Average Applicant Income | $140,000 |
| Highest Applicant Income | $7,315,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 1,010 | $ 134,600,000 | $ 133,000 | $ 108,000 |
| Allegheny County Pennsylvania | 897 | $ 194,725,000 | $ 217,000 | $ 133,000 |
| Chester County Pennsylvania | 403 | $ 100,025,000 | $ 248,000 | $ 137,000 |
| Indiana County Pennsylvania | 352 | $ 38,140,000 | $ 108,000 | $ 81,000 |
| Jefferson County Pennsylvania | 331 | $ 32,275,000 | $ 97,000 | $ 80,000 |
| Lancaster County Pennsylvania | 217 | $ 56,995,000 | $ 262,000 | $ 165,000 |
| Cambria County Pennsylvania | 211 | $ 19,225,000 | $ 91,000 | $ 81,000 |
| Cumberland County Pennsylvania | 194 | $ 65,940,000 | $ 339,000 | $ 169,000 |
| Clearfield County Pennsylvania | 178 | $ 17,620,000 | $ 98,000 | $ 94,000 |
| Armstrong County Pennsylvania | 169 | $ 18,585,000 | $ 109,000 | $ 91,000 |
| Philadelphia County Pennsylvania | 151 | $ 57,425,000 | $ 380,000 | $ 167,000 |
| Dauphin County Pennsylvania | 139 | $ 47,285,000 | $ 340,000 | $ 129,000 |
| Blair County Pennsylvania | 90 | $ 11,350,000 | $ 126,000 | $ 106,000 |
| Delaware County Pennsylvania | 88 | $ 35,940,000 | $ 408,000 | $ 287,000 |
| Summit County Ohio | 84 | $ 19,100,000 | $ 227,000 | $ 144,000 |
| York County Pennsylvania | 83 | $ 16,345,000 | $ 196,000 | $ 120,000 |
| Butler County Pennsylvania | 72 | $ 17,910,000 | $ 248,000 | $ 142,000 |
| Clarion County Pennsylvania | 65 | $ 6,125,000 | $ 94,000 | $ 97,000 |
| Montgomery County Pennsylvania | 65 | $ 19,515,000 | $ 300,000 | $ 230,000 |
| Washington County Pennsylvania | 57 | $ 14,855,000 | $ 260,000 | $ 213,000 |
| Franklin County Ohio | 55 | $ 116,265,000 | $ 2,113,000 | $ 349,000 |
| Cuyahoga County Ohio | 51 | $ 17,175,000 | $ 336,000 | $ 250,000 |
| Beaver County Pennsylvania | 40 | $ 5,880,000 | $ 147,000 | $ 115,000 |
| Berks County Pennsylvania | 29 | $ 7,035,000 | $ 242,000 | $ 242,000 |
| Montgomery County Maryland | 28 | $ 32,790,000 | $ 1,171,000 | $ 294,000 |
| Elk County Pennsylvania | 28 | $ 4,580,000 | $ 163,000 | $ 65,000 |
| Lawrence County Pennsylvania | 28 | $ 3,310,000 | $ 118,000 | $ 78,000 |
| Somerset County Pennsylvania | 23 | $ 2,475,000 | $ 107,000 | $ 110,000 |
| Baltimore County Maryland | 22 | $ 15,900,000 | $ 722,000 | $ 236,000 |
| Delaware County Ohio | 20 | $ 8,730,000 | $ 436,000 | $ 478,000 |
| Medina County Ohio | 17 | $ 3,455,000 | $ 203,000 | $ 156,000 |
| New Castle County Delaware | 15 | $ 2,805,000 | $ 187,000 | $ 178,000 |
| Perry County Pennsylvania | 15 | $ 3,855,000 | $ 257,000 | $ 118,000 |
| Cape May County New Jersey | 14 | $ 18,060,000 | $ 1,290,000 | $ 434,000 |
| Stark County Ohio | 14 | $ 12,650,000 | $ 903,000 | $ 222,000 |
| Fayette County Pennsylvania | 12 | $ 1,890,000 | $ 157,000 | $ 113,000 |
| Howard County Maryland | 11 | $ 9,595,000 | $ 872,000 | $ 250,000 |
| Bedford County Pennsylvania | 11 | $ 975,000 | $ 88,000 | $ 106,000 |
| Bucks County Pennsylvania | 10 | $ 2,820,000 | $ 282,000 | $ 134,000 |
| Mercer County Pennsylvania | 10 | $ 3,020,000 | $ 302,000 | $ 117,000 |
| Carroll County Maryland | 9 | $ 7,085,000 | $ 787,000 | $ 202,000 |
| Lebanon County Pennsylvania | 9 | $ 2,525,000 | $ 280,000 | $ 176,000 |
| Collier County Florida | 8 | $ 5,800,000 | $ 725,000 | $ 208,000 |
| Palm Beach County Florida | 8 | $ 12,720,000 | $ 1,590,000 | $ 1,243,000 |
| Huntingdon County Pennsylvania | 8 | $ 1,640,000 | $ 205,000 | $ 166,000 |
| Monmouth County New Jersey | 7 | $ 2,905,000 | $ 415,000 | $ 281,000 |
| Ocean County New Jersey | 7 | $ 7,835,000 | $ 1,119,000 | $ 623,000 |
| Mahoning County Ohio | 7 | $ 615,000 | $ 87,000 | $ 637,000 |
| Adams County Pennsylvania | 7 | $ 3,625,000 | $ 517,000 | $ 180,000 |
| Los Angeles County California | 6 | $ 6,700,000 | $ 1,116,000 | $ 335,000 |
| Sussex County Delaware | 6 | $ 3,640,000 | $ 606,000 | $ 322,000 |
| Harford County Maryland | 6 | $ 4,880,000 | $ 813,000 | $ 315,000 |
| Licking County Ohio | 6 | $ 1,240,000 | $ 206,000 | $ 271,000 |
| Forest County Pennsylvania | 6 | $ 760,000 | $ 126,000 | $ 106,000 |
| Lehigh County Pennsylvania | 6 | $ 1,240,000 | $ 206,000 | $ 63,000 |
| Beaufort County South Carolina | 6 | $ 5,730,000 | $ 955,000 | $ 239,000 |
| Sarasota County Florida | 5 | $ 2,475,000 | $ 495,000 | $ 267,000 |
| Cecil County Maryland | 5 | $ 2,525,000 | $ 505,000 | $ 166,000 |
| Portage County Ohio | 5 | $ 1,605,000 | $ 321,000 | $ 115,000 |
| Crawford County Pennsylvania | 5 | $ 1,155,000 | $ 231,000 | $ 83,000 |
| Volusia County Florida | 4 | $ 1,720,000 | $ 430,000 | $ 320,000 |
| Worcester County Maryland | 4 | $ 1,330,000 | $ 332,000 | $ 196,000 |
| Atlantic County New Jersey | 4 | $ 890,000 | $ 222,000 | $ 516,000 |
| Bergen County New Jersey | 4 | $ 3,100,000 | $ 775,000 | $ 311,000 |
| Essex County New Jersey | 4 | $ 1,730,000 | $ 432,000 | $ 245,000 |
| Erie County New York | 4 | $ 2,190,000 | $ 547,000 | $ 88,000 |
| Mecklenburg County North Carolina | 4 | $ 3,280,000 | $ 820,000 | $ 219,000 |
| Erie County Ohio | 4 | $ 1,880,000 | $ 470,000 | $ 465,000 |
| Madison County Ohio | 4 | $ 1,210,000 | $ 302,000 | $ 96,000 |
| Trumbull County Ohio | 4 | $ 290,000 | $ 72,000 | $ 144,000 |
| Erie County Pennsylvania | 4 | $ 260,000 | $ 65,000 | $ 110,000 |
| Lackawanna County Pennsylvania | 4 | $ 440,000 | $ 110,000 | $ 119,000 |
| Luzerne County Pennsylvania | 4 | $ 1,380,000 | $ 345,000 | $ 210,000 |
| Northampton County Pennsylvania | 4 | $ 760,000 | $ 190,000 | $ 172,000 |
| Venango County Pennsylvania | 4 | $ 440,000 | $ 110,000 | $ 62,000 |
| Horry County South Carolina | 4 | $ 570,000 | $ 142,000 | $ 80,000 |
| San Diego County California | 3 | $ 5,045,000 | $ 1,681,000 | $ 407,000 |
| Anne Arundel County Maryland | 3 | $ 2,425,000 | $ 808,000 | $ 418,000 |
| Frederick County Maryland | 3 | $ 835,000 | $ 278,000 | $ 158,000 |
| Garrett County Maryland | 3 | $ 885,000 | $ 295,000 | $ 136,000 |
| Burlington County New Jersey | 3 | $ 625,000 | $ 208,000 | $ 150,000 |
| Camden County New Jersey | 3 | $ 385,000 | $ 128,000 | $ 126,000 |
| Monroe County New York | 3 | $ 775,000 | $ 258,000 | $ 0 |
| Columbiana County Ohio | 3 | $ 655,000 | $ 218,000 | $ 72,000 |
| Fairfield County Ohio | 3 | $ 1,105,000 | $ 368,000 | $ 200,000 |
| Geauga County Ohio | 3 | $ 875,000 | $ 291,000 | $ 153,000 |
| Lorain County Ohio | 3 | $ 1,275,000 | $ 425,000 | $ 358,000 |
| Union County Ohio | 3 | $ 1,465,000 | $ 488,000 | $ 546,000 |
| Wayne County Ohio | 3 | $ 805,000 | $ 268,000 | $ 310,000 |
| Carbon County Pennsylvania | 3 | $ 725,000 | $ 241,000 | $ 219,000 |
| Centre County Pennsylvania | 3 | $ 475,000 | $ 158,000 | $ 124,000 |
| Franklin County Pennsylvania | 3 | $ 115,000 | $ 38,000 | $ 127,000 |
| Greene County Pennsylvania | 3 | $ 365,000 | $ 121,000 | $ 80,000 |
| Schuylkill County Pennsylvania | 3 | $ 475,000 | $ 158,000 | $ 92,000 |
| Charleston County South Carolina | 3 | $ 2,025,000 | $ 675,000 | $ 353,000 |
| Maricopa County Arizona | 2 | $ 690,000 | $ 345,000 | $ 315,000 |
| Merced County California | 2 | $ 210,000 | $ 105,000 | $ 121,000 |
| San Bernardino County California | 2 | $ 190,000 | $ 95,000 | $ 136,000 |
| Bay County Florida | 2 | $ 890,000 | $ 445,000 | $ 0 |
| Hillsborough County Florida | 2 | $ 2,160,000 | $ 1,080,000 | $ 351,000 |
| Manatee County Florida | 2 | $ 1,200,000 | $ 600,000 | $ 847,000 |
| Miami-Dade County Florida | 2 | $ 1,390,000 | $ 695,000 | $ 2,919,000 |
| Pinellas County Florida | 2 | $ 350,000 | $ 175,000 | $ 226,000 |
| St. Lucie County Florida | 2 | $ 510,000 | $ 255,000 | $ 129,000 |
| Fulton County Georgia | 2 | $ 1,870,000 | $ 935,000 | $ 442,000 |
| Kane County Illinois | 2 | $ 590,000 | $ 295,000 | $ 49,000 |
| Lake County Illinois | 2 | $ 2,320,000 | $ 1,160,000 | $ 488,000 |
| McHenry County Illinois | 2 | $ 150,000 | $ 75,000 | $ 501,000 |
| Talbot County Maryland | 2 | $ 11,860,000 | $ 5,930,000 | $ 241,000 |
| Gloucester County New Jersey | 2 | $ 1,100,000 | $ 550,000 | $ 242,000 |
| Dare County North Carolina | 2 | $ 1,410,000 | $ 705,000 | $ 121,000 |
| Ashtabula County Ohio | 2 | $ 1,100,000 | $ 550,000 | $ 88,000 |
| Carroll County Ohio | 2 | $ 380,000 | $ 190,000 | $ 121,000 |
| Coshocton County Ohio | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Monroe County Pennsylvania | 2 | $ 380,000 | $ 190,000 | $ 119,000 |
| Warren County Pennsylvania | 2 | $ 90,000 | $ 45,000 | $ 171,000 |
| Davidson County Tennessee | 2 | $ 2,080,000 | $ 1,040,000 | $ 368,000 |
| Arlington County Virginia | 2 | $ 1,470,000 | $ 735,000 | $ 205,000 |
| Fairfax County Virginia | 2 | $ 1,910,000 | $ 955,000 | $ 213,000 |
| Coconino County Arizona | 1 | $ 1,505,000 | $ 1,505,000 | $ 1,202,000 |
| Yavapai County Arizona | 1 | $ 3,245,000 | $ 3,245,000 | $ 619,000 |
| Orange County California | 1 | $ 1,705,000 | $ 1,705,000 | $ 595,000 |
| Placer County California | 1 | $ 1,045,000 | $ 1,045,000 | $ 279,000 |
| Riverside County California | 1 | $ 785,000 | $ 785,000 | $ 204,000 |
| Sacramento County California | 1 | $ 305,000 | $ 305,000 | $ 128,000 |
| San Francisco County California | 1 | $ 1,575,000 | $ 1,575,000 | $ 400,000 |
| San Luis Obispo County California | 1 | $ 1,715,000 | $ 1,715,000 | $ 578,000 |
| Tulare County California | 1 | $ 185,000 | $ 185,000 | $ 205,000 |
| Chaffee County Colorado | 1 | $ 755,000 | $ 755,000 | $ 1,447,000 |
| Jefferson County Colorado | 1 | $ 1,055,000 | $ 1,055,000 | $ 262,000 |
| District of Columbia County District Of Columbia | 1 | $ 1,105,000 | $ 1,105,000 | $ 340,000 |
| Flagler County Florida | 1 | $ 415,000 | $ 415,000 | $ 218,000 |
| Lee County Florida | 1 | $ 215,000 | $ 215,000 | $ 182,000 |
| Marion County Florida | 1 | $ 255,000 | $ 255,000 | $ 103,000 |
| Orange County Florida | 1 | $ 145,000 | $ 145,000 | $ 399,000 |
| Polk County Florida | 1 | $ 1,285,000 | $ 1,285,000 | $ 457,000 |
| Santa Rosa County Florida | 1 | $ 205,000 | $ 205,000 | $ 147,000 |
| St. Johns County Florida | 1 | $ 825,000 | $ 825,000 | $ 455,000 |
| Glynn County Georgia | 1 | $ 2,805,000 | $ 2,805,000 | $ 1,619,000 |
| Gwinnett County Georgia | 1 | $ 1,825,000 | $ 1,825,000 | $ 1,841,000 |
| Oconee County Georgia | 1 | $ 175,000 | $ 175,000 | $ 89,000 |
| Cook County Illinois | 1 | $ 1,615,000 | $ 1,615,000 | $ 322,000 |
| Tazewell County Illinois | 1 | $ 305,000 | $ 305,000 | $ 169,000 |
| Allen County Indiana | 1 | $ 495,000 | $ 495,000 | $ 105,000 |
| Marion County Indiana | 1 | $ 605,000 | $ 605,000 | $ 225,000 |
| Bullitt County Kentucky | 1 | $ 495,000 | $ 495,000 | $ 130,000 |
| McCracken County Kentucky | 1 | $ 195,000 | $ 195,000 | $ 60,000 |
| Caroline County Maryland | 1 | $ 115,000 | $ 115,000 | $ 318,000 |
| Dorchester County Maryland | 1 | $ 325,000 | $ 325,000 | $ 160,000 |
| Prince George's County Maryland | 1 | $ 105,000 | $ 105,000 | $ 350,000 |
| Essex County Massachusetts | 1 | $ 1,255,000 | $ 1,255,000 | $ 272,000 |
| Middlesex County Massachusetts | 1 | $ 605,000 | $ 605,000 | $ 367,000 |
| Norfolk County Massachusetts | 1 | $ 405,000 | $ 405,000 | $ 845,000 |
| Suffolk County Massachusetts | 1 | $ 525,000 | $ 525,000 | $ 215,000 |
| Macomb County Michigan | 1 | $ 315,000 | $ 315,000 | $ 90,000 |
| Oakland County Michigan | 1 | $ 24,005,000 | $ 24,005,000 | $ 0 |
| Gallatin County Montana | 1 | $ 6,505,000 | $ 6,505,000 | $ 1,052,000 |
| Washoe County Nevada | 1 | $ 1,175,000 | $ 1,175,000 | $ 500,000 |
| Rockingham County New Hampshire | 1 | $ 2,455,000 | $ 2,455,000 | $ 431,000 |
| Cumberland County New Jersey | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Mercer County New Jersey | 1 | $ 705,000 | $ 705,000 | $ 1,000 |
| Passaic County New Jersey | 1 | $ 635,000 | $ 635,000 | $ 292,000 |
| Salem County New Jersey | 1 | $ 75,000 | $ 75,000 | $ 146,000 |
| Union County New Jersey | 1 | $ 305,000 | $ 305,000 | $ 92,000 |
| Chautauqua County New York | 1 | $ 45,000 | $ 45,000 | $ 45,000 |
| New York County New York | 1 | $ 115,000 | $ 115,000 | $ 375,000 |
| Niagara County New York | 1 | $ 1,355,000 | $ 1,355,000 | $ 0 |
| Queens County New York | 1 | $ 15,000 | $ 15,000 | $ 168,000 |
| Warren County New York | 1 | $ 45,000 | $ 45,000 | $ 150,000 |
| Wayne County New York | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Davidson County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 100,000 |
| Athens County Ohio | 1 | $ 65,000 | $ 65,000 | $ 62,000 |
| Clark County Ohio | 1 | $ 2,435,000 | $ 2,435,000 | $ 0 |
| Hamilton County Ohio | 1 | $ 55,000 | $ 55,000 | $ 55,000 |
| Hocking County Ohio | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Huron County Ohio | 1 | $ 425,000 | $ 425,000 | $ 128,000 |
| Lake County Ohio | 1 | $ 225,000 | $ 225,000 | $ 209,000 |
| Montgomery County Ohio | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Morrow County Ohio | 1 | $ 725,000 | $ 725,000 | $ 207,000 |
| Juniata County Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 255,000 |
| Mifflin County Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Northumberland County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 78,000 |
| Pike County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 143,000 |
| Snyder County Pennsylvania | 1 | $ 335,000 | $ 335,000 | $ 80,000 |
| Sullivan County Pennsylvania | 1 | $ 675,000 | $ 675,000 | $ 642,000 |
| Wayne County Pennsylvania | 1 | $ 335,000 | $ 335,000 | $ 147,000 |
| Georgetown County South Carolina | 1 | $ 565,000 | $ 565,000 | $ 126,000 |
| Greenville County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 177,000 |
| Richland County South Carolina | 1 | $ 25,000 | $ 25,000 | $ 89,000 |
| Cheatham County Tennessee | 1 | $ 275,000 | $ 275,000 | $ 95,000 |
| Hamilton County Tennessee | 1 | $ 545,000 | $ 545,000 | $ 235,000 |
| Sevier County Tennessee | 1 | $ 255,000 | $ 255,000 | $ 300,000 |
| Shelby County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 1,662,000 |
| Sumner County Tennessee | 1 | $ 515,000 | $ 515,000 | $ 258,000 |
| Tarrant County Texas | 1 | $ 325,000 | $ 325,000 | $ 245,000 |
| Wharton County Texas | 1 | $ 285,000 | $ 285,000 | $ 499,000 |
| Williamson County Texas | 1 | $ 755,000 | $ 755,000 | $ 0 |
| Wasatch County Utah | 1 | $ 455,000 | $ 455,000 | $ 294,000 |
| Accomack County Virginia | 1 | $ 275,000 | $ 275,000 | $ 256,000 |
| Alexandria County Virginia | 1 | $ 815,000 | $ 815,000 | $ 458,000 |
| Charlottesville County Virginia | 1 | $ 985,000 | $ 985,000 | $ 170,000 |
| Chesterfield County Virginia | 1 | $ 785,000 | $ 785,000 | $ 467,000 |
| Loudoun County Virginia | 1 | $ 55,000 | $ 55,000 | $ 150,000 |
| Northampton County Virginia | 1 | $ 565,000 | $ 565,000 | $ 592,000 |
| Virginia Beach County Virginia | 1 | $ 325,000 | $ 325,000 | $ 1,841,000 |
| Yakima County Washington | 1 | $ 615,000 | $ 615,000 | $ 392,000 |
| Braxton County West Virginia | 1 | $ 305,000 | $ 305,000 | $ 1,200,000 |
| Randolph County 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.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.