S&T Bank Mortgage Lending & HMDA Data, 2023
In 2023, S&T Bank of Indiana, PA reported 4,793 mortgage applications totaling $1.2 billion, down 18% from 2022. The average application was for $241,703, and applicants reported an average income of $152,208. 60% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Pittsburgh, PA (1,758), Montgomery County-Bucks County-Chester County, PA (336) and Harrisburg-Carlisle, PA (286) (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 | 4,793 |
| Total Mortgage Loan Application Amount | $1,158,485,000 |
| Average Mortgage Loan Application Amount | $241,703 |
| Highest Mortgage Loan Application Amount | $16,005,000 |
| Average Applicant Income | $152,208 |
| Highest Applicant Income | $6,960,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 723 | $ 102,565,000 | $ 141,860 | $ 110,000 |
| Allegheny, Pennsylvania | 713 | $ 148,445,000 | $ 208,197 | $ 151,000 |
| Indiana, Pennsylvania | 329 | $ 34,595,000 | $ 105,151 | $ 92,000 |
| Chester, Pennsylvania | 277 | $ 79,875,000 | $ 288,357 | $ 162,000 |
| Jefferson, Pennsylvania | 243 | $ 22,565,000 | $ 92,860 | $ 83,000 |
| Lancaster, Pennsylvania | 188 | $ 51,290,000 | $ 272,819 | $ 183,000 |
| Cumberland, Pennsylvania | 173 | $ 36,835,000 | $ 212,919 | $ 156,000 |
| Clearfield, Pennsylvania | 155 | $ 19,535,000 | $ 126,032 | $ 114,000 |
| Cambria, Pennsylvania | 144 | $ 10,410,000 | $ 72,291 | $ 77,000 |
| Armstrong, Pennsylvania | 134 | $ 12,390,000 | $ 92,462 | $ 98,000 |
| Philadelphia, Pennsylvania | 112 | $ 41,840,000 | $ 373,571 | $ 236,000 |
| Dauphin, Pennsylvania | 108 | $ 24,260,000 | $ 224,629 | $ 157,000 |
| Franklin, Ohio | 75 | $ 34,315,000 | $ 457,533 | $ 198,000 |
| Butler, Pennsylvania | 71 | $ 18,605,000 | $ 262,042 | $ 227,000 |
| York, Pennsylvania | 71 | $ 19,195,000 | $ 270,352 | $ 142,000 |
| Blair, Pennsylvania | 63 | $ 14,465,000 | $ 229,603 | $ 140,000 |
| Washington, Pennsylvania | 58 | $ 17,750,000 | $ 306,034 | $ 209,000 |
| Summit, Ohio | 57 | $ 11,945,000 | $ 209,561 | $ 115,000 |
| Cuyahoga, Ohio | 55 | $ 15,965,000 | $ 290,272 | $ 147,000 |
| Delaware, Pennsylvania | 51 | $ 17,565,000 | $ 344,411 | $ 210,000 |
| Beaver, Pennsylvania | 45 | $ 7,535,000 | $ 167,444 | $ 133,000 |
| Clarion, Pennsylvania | 42 | $ 4,500,000 | $ 107,142 | $ 89,000 |
| Montgomery, Pennsylvania | 41 | $ 14,385,000 | $ 350,853 | $ 217,000 |
| Delaware, Ohio | 25 | $ 16,455,000 | $ 658,200 | $ 280,000 |
| Bucks, Pennsylvania | 18 | $ 4,600,000 | $ 255,555 | $ 201,000 |
| Cook, Illinois | 16 | $ 9,880,000 | $ 617,500 | $ 211,000 |
| Montgomery, Maryland | 16 | $ 18,910,000 | $ 1,181,875 | $ 370,000 |
| Lawrence, Pennsylvania | 16 | $ 3,690,000 | $ 230,625 | $ 109,000 |
| Berks, Pennsylvania | 15 | $ 4,385,000 | $ 292,333 | $ 291,000 |
| Harford, Maryland | 14 | $ 9,330,000 | $ 666,428 | $ 365,000 |
| Fayette, Pennsylvania | 14 | $ 2,380,000 | $ 170,000 | $ 105,000 |
| Somerset, Pennsylvania | 14 | $ 5,450,000 | $ 389,285 | $ 307,000 |
| Union, Ohio | 12 | $ 7,860,000 | $ 655,000 | $ 268,000 |
| Elk, Pennsylvania | 12 | $ 1,800,000 | $ 150,000 | $ 150,000 |
| Lorain, Ohio | 11 | $ 3,515,000 | $ 319,545 | $ 118,000 |
| Portage, Ohio | 11 | $ 3,575,000 | $ 325,000 | $ 172,000 |
| New Castle, Delaware | 10 | $ 20,640,000 | $ 2,064,000 | $ 89,000 |
| Cape May, New Jersey | 10 | $ 3,980,000 | $ 398,000 | $ 664,000 |
| Lackawanna, Pennsylvania | 10 | $ 4,530,000 | $ 453,000 | $ 192,000 |
| Lebanon, Pennsylvania | 10 | $ 2,540,000 | $ 254,000 | $ 151,000 |
| Bergen, New Jersey | 9 | $ 8,395,000 | $ 932,777 | $ 306,000 |
| Burlington, New Jersey | 9 | $ 4,485,000 | $ 498,333 | $ 309,000 |
| Mercer, New Jersey | 9 | $ 2,925,000 | $ 325,000 | $ 276,000 |
| Ocean, New Jersey | 9 | $ 3,335,000 | $ 370,555 | $ 279,000 |
| Stark, Ohio | 9 | $ 1,685,000 | $ 187,222 | $ 93,000 |
| Luzerne, Pennsylvania | 9 | $ 2,285,000 | $ 253,888 | $ 116,000 |
| Baltimore, Maryland | 8 | $ 4,810,000 | $ 601,250 | $ 259,000 |
| Camden, New Jersey | 8 | $ 2,190,000 | $ 273,750 | $ 208,000 |
| Fairfield, Ohio | 8 | $ 3,330,000 | $ 416,250 | $ 147,000 |
| Lehigh, Pennsylvania | 8 | $ 1,870,000 | $ 233,750 | $ 132,000 |
| Essex, New Jersey | 7 | $ 5,835,000 | $ 833,571 | $ 273,000 |
| Monmouth, New Jersey | 7 | $ 2,515,000 | $ 359,285 | $ 283,000 |
| Licking, Ohio | 7 | $ 1,735,000 | $ 247,857 | $ 181,000 |
| Medina, Ohio | 7 | $ 1,895,000 | $ 270,714 | $ 177,000 |
| Montgomery, Ohio | 7 | $ 1,355,000 | $ 193,571 | $ 94,000 |
| Centre, Pennsylvania | 7 | $ 2,065,000 | $ 295,000 | $ 172,000 |
| Northampton, Pennsylvania | 7 | $ 3,815,000 | $ 545,000 | $ 185,000 |
| Berkeley, West Virginia | 7 | $ 1,685,000 | $ 240,714 | $ 179,000 |
| Frederick, Maryland | 6 | $ 2,540,000 | $ 423,333 | $ 182,000 |
| Hudson, New Jersey | 6 | $ 3,990,000 | $ 665,000 | $ 118,000 |
| Hamilton, Ohio | 6 | $ 1,520,000 | $ 253,333 | $ 123,000 |
| Venango, Pennsylvania | 6 | $ 540,000 | $ 90,000 | $ 58,000 |
| Carroll, Maryland | 5 | $ 2,675,000 | $ 535,000 | $ 273,000 |
| Worcester, Maryland | 5 | $ 1,785,000 | $ 357,000 | $ 404,000 |
| Madison, Ohio | 5 | $ 2,935,000 | $ 587,000 | $ 419,000 |
| Wayne, Ohio | 5 | $ 1,165,000 | $ 233,000 | $ 182,000 |
| Perry, Pennsylvania | 5 | $ 905,000 | $ 181,000 | $ 124,000 |
| Schuylkill, Pennsylvania | 5 | $ 995,000 | $ 199,000 | $ 0 |
| Monongalia, West Virginia | 5 | $ 985,000 | $ 197,000 | $ 307,000 |
| Sussex, Delaware | 4 | $ 2,250,000 | $ 562,500 | $ 223,000 |
| Collier, Florida | 4 | $ 3,160,000 | $ 790,000 | $ 263,000 |
| Duval, Florida | 4 | $ 1,020,000 | $ 255,000 | $ 159,000 |
| Palm Beach, Florida | 4 | $ 4,020,000 | $ 1,005,000 | $ 610,000 |
| Sarasota, Florida | 4 | $ 890,000 | $ 222,500 | $ 171,000 |
| Cecil, Maryland | 4 | $ 2,300,000 | $ 575,000 | $ 155,000 |
| Dare, North Carolina | 4 | $ 2,110,000 | $ 527,500 | $ 412,000 |
| Butler, Ohio | 4 | $ 1,090,000 | $ 272,500 | $ 264,000 |
| Mahoning, Ohio | 4 | $ 1,140,000 | $ 285,000 | $ 109,000 |
| Carbon, Pennsylvania | 4 | $ 1,390,000 | $ 347,500 | $ 187,000 |
| Huntingdon, Pennsylvania | 4 | $ 380,000 | $ 95,000 | $ 126,000 |
| Fairfax, Virginia | 4 | $ 5,870,000 | $ 1,467,500 | $ 724,000 |
| Los Angeles, California | 3 | $ 6,145,000 | $ 2,048,333 | $ 486,000 |
| Baltimore City, Maryland | 3 | $ 1,515,000 | $ 505,000 | $ 151,000 |
| Garrett, Maryland | 3 | $ 3,775,000 | $ 1,258,333 | $ 796,000 |
| Monroe, New York | 3 | $ 855,000 | $ 285,000 | $ 123,000 |
| Erie, Ohio | 3 | $ 705,000 | $ 235,000 | $ 325,000 |
| Geauga, Ohio | 3 | $ 1,775,000 | $ 591,666 | $ 160,000 |
| Trumbull, Ohio | 3 | $ 545,000 | $ 181,666 | $ 60,000 |
| Warren, Ohio | 3 | $ 3,135,000 | $ 1,045,000 | $ 392,000 |
| Adams, Pennsylvania | 3 | $ 815,000 | $ 271,666 | $ 108,000 |
| Bedford, Pennsylvania | 3 | $ 445,000 | $ 148,333 | $ 44,000 |
| Erie, Pennsylvania | 3 | $ 525,000 | $ 175,000 | $ 90,000 |
| Monroe, Pennsylvania | 3 | $ 795,000 | $ 265,000 | $ 279,000 |
| Loudoun, Virginia | 3 | $ 665,000 | $ 221,666 | $ 198,000 |
| Jefferson, Alabama | 2 | $ 1,650,000 | $ 825,000 | $ 350,000 |
| Maricopa, Arizona | 2 | $ 1,940,000 | $ 970,000 | $ 662,000 |
| San Diego, California | 2 | $ 2,460,000 | $ 1,230,000 | $ 457,000 |
| Broward, Florida | 2 | $ 820,000 | $ 410,000 | $ 375,000 |
| Lee, Florida | 2 | $ 230,000 | $ 115,000 | $ 93,000 |
| Nassau, Florida | 2 | $ 780,000 | $ 390,000 | $ 280,000 |
| Pinellas, Florida | 2 | $ 590,000 | $ 295,000 | $ 196,000 |
| Sumter, Florida | 2 | $ 880,000 | $ 440,000 | $ 149,000 |
| Marion, Indiana | 2 | $ 810,000 | $ 405,000 | $ 288,000 |
| Allegany, Maryland | 2 | $ 200,000 | $ 100,000 | $ 50,000 |
| Howard, Maryland | 2 | $ 2,870,000 | $ 1,435,000 | $ 479,000 |
| St. Mary's, Maryland | 2 | $ 1,650,000 | $ 825,000 | $ 162,000 |
| Talbot, Maryland | 2 | $ 2,210,000 | $ 1,105,000 | $ 503,000 |
| Mason, Michigan | 2 | $ 130,000 | $ 65,000 | $ 39,000 |
| Atlantic, New Jersey | 2 | $ 2,260,000 | $ 1,130,000 | $ 1,110,000 |
| Cumberland, New Jersey | 2 | $ 1,040,000 | $ 520,000 | $ 31,000 |
| Gloucester, New Jersey | 2 | $ 500,000 | $ 250,000 | $ 169,000 |
| Hunterdon, New Jersey | 2 | $ 1,770,000 | $ 885,000 | $ 295,000 |
| Middlesex, New Jersey | 2 | $ 1,700,000 | $ 850,000 | $ 247,000 |
| Union, New Jersey | 2 | $ 2,380,000 | $ 1,190,000 | $ 627,000 |
| Kings, New York | 2 | $ 2,760,000 | $ 1,380,000 | $ 0 |
| Johnston, North Carolina | 2 | $ 590,000 | $ 295,000 | $ 90,000 |
| Columbiana, Ohio | 2 | $ 220,000 | $ 110,000 | $ 112,000 |
| Coshocton, Ohio | 2 | $ 200,000 | $ 100,000 | $ 66,000 |
| Greene, Ohio | 2 | $ 880,000 | $ 440,000 | $ 275,000 |
| Huron, Ohio | 2 | $ 730,000 | $ 365,000 | $ 0 |
| Richland, Ohio | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Forest, Pennsylvania | 2 | $ 510,000 | $ 255,000 | $ 74,000 |
| Franklin, Pennsylvania | 2 | $ 450,000 | $ 225,000 | $ 89,000 |
| Davidson, Tennessee | 2 | $ 2,400,000 | $ 1,200,000 | $ 265,000 |
| Brooke, West Virginia | 2 | $ 100,000 | $ 50,000 | $ 163,000 |
| Merced, California | 1 | $ 55,000 | $ 55,000 | $ 114,000 |
| Orange, California | 1 | $ 1,405,000 | $ 1,405,000 | $ 2,766,000 |
| Riverside, California | 1 | $ 355,000 | $ 355,000 | $ 364,000 |
| San Bernardino, California | 1 | $ 105,000 | $ 105,000 | $ 238,000 |
| Ventura, California | 1 | $ 725,000 | $ 725,000 | $ 510,000 |
| Hartford, Connecticut | 1 | $ 35,000 | $ 35,000 | $ 129,000 |
| Middlesex, Connecticut | 1 | $ 325,000 | $ 325,000 | $ 114,000 |
| New London, Connecticut | 1 | $ 1,005,000 | $ 1,005,000 | $ 1,628,000 |
| Kent, Delaware | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Levy, Florida | 1 | $ 345,000 | $ 345,000 | $ 111,000 |
| Manatee, Florida | 1 | $ 195,000 | $ 195,000 | $ 103,000 |
| Monroe, Florida | 1 | $ 245,000 | $ 245,000 | $ 144,000 |
| Osceola, Florida | 1 | $ 255,000 | $ 255,000 | $ 226,000 |
| Polk, Florida | 1 | $ 235,000 | $ 235,000 | $ 359,000 |
| Cobb, Georgia | 1 | $ 315,000 | $ 315,000 | $ 103,000 |
| Fulton, Georgia | 1 | $ 565,000 | $ 565,000 | $ 350,000 |
| Ada, Idaho | 1 | $ 705,000 | $ 705,000 | $ 577,000 |
| Lake, Illinois | 1 | $ 215,000 | $ 215,000 | $ 101,000 |
| Winnebago, Illinois | 1 | $ 205,000 | $ 205,000 | $ 388,000 |
| Boone, Indiana | 1 | $ 605,000 | $ 605,000 | $ 144,000 |
| Tippecanoe, Indiana | 1 | $ 65,000 | $ 65,000 | $ 202,000 |
| Jefferson, Kentucky | 1 | $ 515,000 | $ 515,000 | $ 58,000 |
| Anne Arundel, Maryland | 1 | $ 205,000 | $ 205,000 | $ 144,000 |
| Macomb, Michigan | 1 | $ 685,000 | $ 685,000 | $ 172,000 |
| Morris, New Jersey | 1 | $ 465,000 | $ 465,000 | $ 196,000 |
| Salem, New Jersey | 1 | $ 195,000 | $ 195,000 | $ 315,000 |
| Somerset, New Jersey | 1 | $ 675,000 | $ 675,000 | $ 250,000 |
| Warren, New Jersey | 1 | $ 575,000 | $ 575,000 | $ 247,000 |
| Bernalillo, New Mexico | 1 | $ 455,000 | $ 455,000 | $ 179,000 |
| Erie, New York | 1 | $ 345,000 | $ 345,000 | $ 95,000 |
| Ulster, New York | 1 | $ 915,000 | $ 915,000 | $ 0 |
| Davidson, North Carolina | 1 | $ 145,000 | $ 145,000 | $ 100,000 |
| Lincoln, North Carolina | 1 | $ 905,000 | $ 905,000 | $ 313,000 |
| Ashland, Ohio | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Ashtabula, Ohio | 1 | $ 315,000 | $ 315,000 | $ 150,000 |
| Athens, Ohio | 1 | $ 45,000 | $ 45,000 | $ 67,000 |
| Belmont, Ohio | 1 | $ 2,105,000 | $ 2,105,000 | $ 0 |
| Carroll, Ohio | 1 | $ 105,000 | $ 105,000 | $ 58,000 |
| Clark, Ohio | 1 | $ 335,000 | $ 335,000 | $ 137,000 |
| Hocking, Ohio | 1 | $ 1,365,000 | $ 1,365,000 | $ 739,000 |
| Lake, Ohio | 1 | $ 655,000 | $ 655,000 | $ 342,000 |
| Perry, Ohio | 1 | $ 1,915,000 | $ 1,915,000 | $ 0 |
| Pickaway, Ohio | 1 | $ 55,000 | $ 55,000 | $ 86,000 |
| Tuscarawas, Ohio | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Benton, Oregon | 1 | $ 425,000 | $ 425,000 | $ 74,000 |
| Cameron, Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 83,000 |
| Columbia, Pennsylvania | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Crawford, Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 33,000 |
| Greene, Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 63,000 |
| Juniata, Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 54,000 |
| Mercer, Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 93,000 |
| Mifflin, Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 109,000 |
| Northumberland, Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 90,000 |
| Tioga, Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 95,000 |
| Union, Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 602,000 |
| Warren, Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 79,000 |
| Wayne, Pennsylvania | 1 | $ 505,000 | $ 505,000 | $ 420,000 |
| Beaufort, South Carolina | 1 | $ 2,005,000 | $ 2,005,000 | $ 6,960,000 |
| Horry, South Carolina | 1 | $ 255,000 | $ 255,000 | $ 280,000 |
| Lexington, South Carolina | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Williamsburg, South Carolina | 1 | $ 85,000 | $ 85,000 | $ 70,000 |
| Sevier, Tennessee | 1 | $ 485,000 | $ 485,000 | $ 550,000 |
| Williamson, Tennessee | 1 | $ 315,000 | $ 315,000 | $ 196,000 |
| Blanco, Texas | 1 | $ 505,000 | $ 505,000 | $ 146,000 |
| Dallas, Texas | 1 | $ 1,355,000 | $ 1,355,000 | $ 477,000 |
| Fort Bend, Texas | 1 | $ 295,000 | $ 295,000 | $ 954,000 |
| Grayson, Texas | 1 | $ 725,000 | $ 725,000 | $ 494,000 |
| Iron, Utah | 1 | $ 155,000 | $ 155,000 | $ 63,000 |
| Fauquier, Virginia | 1 | $ 2,135,000 | $ 2,135,000 | $ 2,292,000 |
| Lynchburg, Virginia | 1 | $ 155,000 | $ 155,000 | $ 145,000 |
| Rappahannock, Virginia | 1 | $ 565,000 | $ 565,000 | $ 215,000 |
| Virginia Beach, Virginia | 1 | $ 1,005,000 | $ 1,005,000 | $ 312,000 |
| Winchester, Virginia | 1 | $ 315,000 | $ 315,000 | $ 278,000 |
| Kitsap, Washington | 1 | $ 1,945,000 | $ 1,945,000 | $ 530,000 |
| Greenbrier, West Virginia | 1 | $ 1,505,000 | $ 1,505,000 | $ 2,045,000 |
| Pocahontas, West Virginia | 1 | $ 55,000 | $ 55,000 | $ 173,000 |
Mortgage Loan Application Detail Totals for S&T Bank in 2023
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 | 1,864 | $699,840,000 | $375,000 | $16,005,000 | $173,000 | $6,960,000 |
| Home Improvement | 1,159 | $136,005,000 | $117,000 | $2,005,000 | $147,000 | $5,040,000 |
| Refinancing | 1,112 | $242,300,000 | $217,000 | $7,005,000 | $144,000 | $2,292,000 |
| Other Purpose | 478 | $48,220,000 | $100,000 | $2,805,000 | $118,000 | $2,211,000 |
| Cash-out Refinancing | 180 | $32,120,000 | $178,000 | $685,000 | $112,000 | $388,000 |
| 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 | 3,280 | $662,280,000 | $201,000 | $7,005,000 | $139,000 | $2,292,000 |
| Not Provided | 701 | $150,845,000 | $215,000 | $4,605,000 | $185,000 | $6,960,000 |
| Not applicable | 392 | $194,560,000 | $496,000 | $16,005,000 | $0 | $0 |
| Black or African American | 155 | $42,145,000 | $271,000 | $2,615,000 | $160,000 | $1,001,000 |
| Asian | 138 | $67,450,000 | $488,000 | $2,955,000 | $236,000 | $1,121,000 |
| Hispanic | 62 | $19,060,000 | $307,000 | $1,945,000 | $163,000 | $990,000 |
| American Indian or Alaskan Native | 12 | $2,000,000 | $166,000 | $715,000 | $160,000 | $460,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 4,793 | $1,158,485,000 | $241,000 | $16,005,000 | $152,000 | $6,960,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 2,896 | $701,010,000 | $242,000 | $16,005,000 | $160,000 | $5,040,000 |
| Application Denied By Financial Institution | 1,088 | $186,820,000 | $171,000 | $4,605,000 | $116,000 | $2,045,000 |
| Application Withdrawn By Applicant | 297 | $121,525,000 | $409,000 | $9,975,000 | $188,000 | $1,459,000 |
| Application Approved But Not Accepted | 205 | $35,055,000 | $171,000 | $1,915,000 | $137,000 | $926,000 |
| Preapproval Approved but not Accepted | 148 | $56,500,000 | $381,000 | $2,955,000 | $144,000 | $639,000 |
| File Closed For Incompleteness | 108 | $41,560,000 | $384,000 | $2,005,000 | $238,000 | $6,960,000 |
| Preapproval Denied by Financial Institution | 51 | $16,015,000 | $314,000 | $1,615,000 | $95,000 | $405,000 |
| 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 | 3,654 | $955,650,000 | $261,000 | $16,005,000 | $163,000 | $6,960,000 |
| Credit History | 477 | $54,385,000 | $114,000 | $2,005,000 | $102,000 | $1,400,000 |
| Debt-To-Income Ratio | 318 | $84,170,000 | $264,000 | $1,595,000 | $90,000 | $693,000 |
| Collateral | 263 | $33,825,000 | $128,000 | $1,505,000 | $141,000 | $2,045,000 |
| Unverifiable Information | 39 | $8,395,000 | $215,000 | $2,105,000 | $237,000 | $1,300,000 |
| Other | 23 | $10,035,000 | $436,000 | $1,945,000 | $213,000 | $530,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $4,040,000 | $505,000 | $1,615,000 | $141,000 | $322,000 |
| Employment History | 6 | $5,580,000 | $930,000 | $4,605,000 | $124,000 | $411,000 |
| Credit Application Incomplete | 5 | $2,405,000 | $481,000 | $1,255,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S&T Bank's 2023 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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