S&T Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
S&T Bank 2023 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 | 4,793 |
| Total Mortgage Loan Application Amount | $1,158,485,000 |
| Average Mortgage Loan Application Amount | $197,400 |
| Highest Mortgage Loan Application Amount | $16,005,000 |
| Average Applicant Income | $138,800 |
| Highest Applicant Income | $6,960,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 723 | $ 102,565,000 | $ 141,000 | $ 110,000 |
| Allegheny County Pennsylvania | 713 | $ 148,445,000 | $ 208,000 | $ 151,000 |
| Indiana County Pennsylvania | 329 | $ 34,595,000 | $ 105,000 | $ 92,000 |
| Chester County Pennsylvania | 277 | $ 79,875,000 | $ 288,000 | $ 162,000 |
| Jefferson County Pennsylvania | 243 | $ 22,565,000 | $ 92,000 | $ 83,000 |
| Lancaster County Pennsylvania | 188 | $ 51,290,000 | $ 272,000 | $ 183,000 |
| Cumberland County Pennsylvania | 173 | $ 36,835,000 | $ 212,000 | $ 156,000 |
| Clearfield County Pennsylvania | 155 | $ 19,535,000 | $ 126,000 | $ 114,000 |
| Cambria County Pennsylvania | 144 | $ 10,410,000 | $ 72,000 | $ 77,000 |
| Armstrong County Pennsylvania | 134 | $ 12,390,000 | $ 92,000 | $ 98,000 |
| Philadelphia County Pennsylvania | 112 | $ 41,840,000 | $ 373,000 | $ 236,000 |
| Dauphin County Pennsylvania | 108 | $ 24,260,000 | $ 224,000 | $ 157,000 |
| Franklin County Ohio | 75 | $ 34,315,000 | $ 457,000 | $ 198,000 |
| Butler County Pennsylvania | 71 | $ 18,605,000 | $ 262,000 | $ 227,000 |
| York County Pennsylvania | 71 | $ 19,195,000 | $ 270,000 | $ 142,000 |
| Blair County Pennsylvania | 63 | $ 14,465,000 | $ 229,000 | $ 140,000 |
| Washington County Pennsylvania | 58 | $ 17,750,000 | $ 306,000 | $ 209,000 |
| Summit County Ohio | 57 | $ 11,945,000 | $ 209,000 | $ 115,000 |
| Cuyahoga County Ohio | 55 | $ 15,965,000 | $ 290,000 | $ 147,000 |
| Delaware County Pennsylvania | 51 | $ 17,565,000 | $ 344,000 | $ 210,000 |
| Beaver County Pennsylvania | 45 | $ 7,535,000 | $ 167,000 | $ 133,000 |
| Clarion County Pennsylvania | 42 | $ 4,500,000 | $ 107,000 | $ 89,000 |
| Montgomery County Pennsylvania | 41 | $ 14,385,000 | $ 350,000 | $ 217,000 |
| Delaware County Ohio | 25 | $ 16,455,000 | $ 658,000 | $ 280,000 |
| Bucks County Pennsylvania | 18 | $ 4,600,000 | $ 255,000 | $ 201,000 |
| Cook County Illinois | 16 | $ 9,880,000 | $ 617,000 | $ 211,000 |
| Montgomery County Maryland | 16 | $ 18,910,000 | $ 1,181,000 | $ 370,000 |
| Lawrence County Pennsylvania | 16 | $ 3,690,000 | $ 230,000 | $ 109,000 |
| Berks County Pennsylvania | 15 | $ 4,385,000 | $ 292,000 | $ 291,000 |
| Harford County Maryland | 14 | $ 9,330,000 | $ 666,000 | $ 365,000 |
| Fayette County Pennsylvania | 14 | $ 2,380,000 | $ 170,000 | $ 105,000 |
| Somerset County Pennsylvania | 14 | $ 5,450,000 | $ 389,000 | $ 307,000 |
| Union County Ohio | 12 | $ 7,860,000 | $ 655,000 | $ 268,000 |
| Elk County Pennsylvania | 12 | $ 1,800,000 | $ 150,000 | $ 150,000 |
| Lorain County Ohio | 11 | $ 3,515,000 | $ 319,000 | $ 118,000 |
| Portage County Ohio | 11 | $ 3,575,000 | $ 325,000 | $ 172,000 |
| New Castle County Delaware | 10 | $ 20,640,000 | $ 2,064,000 | $ 89,000 |
| Cape May County New Jersey | 10 | $ 3,980,000 | $ 398,000 | $ 664,000 |
| Lackawanna County Pennsylvania | 10 | $ 4,530,000 | $ 453,000 | $ 192,000 |
| Lebanon County Pennsylvania | 10 | $ 2,540,000 | $ 254,000 | $ 151,000 |
| Bergen County New Jersey | 9 | $ 8,395,000 | $ 932,000 | $ 306,000 |
| Burlington County New Jersey | 9 | $ 4,485,000 | $ 498,000 | $ 309,000 |
| Mercer County New Jersey | 9 | $ 2,925,000 | $ 325,000 | $ 276,000 |
| Ocean County New Jersey | 9 | $ 3,335,000 | $ 370,000 | $ 279,000 |
| Stark County Ohio | 9 | $ 1,685,000 | $ 187,000 | $ 93,000 |
| Luzerne County Pennsylvania | 9 | $ 2,285,000 | $ 253,000 | $ 116,000 |
| Baltimore County Maryland | 8 | $ 4,810,000 | $ 601,000 | $ 259,000 |
| Camden County New Jersey | 8 | $ 2,190,000 | $ 273,000 | $ 208,000 |
| Fairfield County Ohio | 8 | $ 3,330,000 | $ 416,000 | $ 147,000 |
| Lehigh County Pennsylvania | 8 | $ 1,870,000 | $ 233,000 | $ 132,000 |
| Essex County New Jersey | 7 | $ 5,835,000 | $ 833,000 | $ 273,000 |
| Monmouth County New Jersey | 7 | $ 2,515,000 | $ 359,000 | $ 283,000 |
| Licking County Ohio | 7 | $ 1,735,000 | $ 247,000 | $ 181,000 |
| Medina County Ohio | 7 | $ 1,895,000 | $ 270,000 | $ 177,000 |
| Montgomery County Ohio | 7 | $ 1,355,000 | $ 193,000 | $ 94,000 |
| Centre County Pennsylvania | 7 | $ 2,065,000 | $ 295,000 | $ 172,000 |
| Northampton County Pennsylvania | 7 | $ 3,815,000 | $ 545,000 | $ 185,000 |
| Berkeley County West Virginia | 7 | $ 1,685,000 | $ 240,000 | $ 179,000 |
| Frederick County Maryland | 6 | $ 2,540,000 | $ 423,000 | $ 182,000 |
| Hudson County New Jersey | 6 | $ 3,990,000 | $ 665,000 | $ 118,000 |
| Hamilton County Ohio | 6 | $ 1,520,000 | $ 253,000 | $ 123,000 |
| Venango County Pennsylvania | 6 | $ 540,000 | $ 90,000 | $ 58,000 |
| Carroll County Maryland | 5 | $ 2,675,000 | $ 535,000 | $ 273,000 |
| Worcester County Maryland | 5 | $ 1,785,000 | $ 357,000 | $ 404,000 |
| Madison County Ohio | 5 | $ 2,935,000 | $ 587,000 | $ 419,000 |
| Wayne County Ohio | 5 | $ 1,165,000 | $ 233,000 | $ 182,000 |
| Perry County Pennsylvania | 5 | $ 905,000 | $ 181,000 | $ 124,000 |
| Schuylkill County Pennsylvania | 5 | $ 995,000 | $ 199,000 | $ 0 |
| Monongalia County West Virginia | 5 | $ 985,000 | $ 197,000 | $ 307,000 |
| Sussex County Delaware | 4 | $ 2,250,000 | $ 562,000 | $ 223,000 |
| Collier County Florida | 4 | $ 3,160,000 | $ 790,000 | $ 263,000 |
| Duval County Florida | 4 | $ 1,020,000 | $ 255,000 | $ 159,000 |
| Palm Beach County Florida | 4 | $ 4,020,000 | $ 1,005,000 | $ 610,000 |
| Sarasota County Florida | 4 | $ 890,000 | $ 222,000 | $ 171,000 |
| Cecil County Maryland | 4 | $ 2,300,000 | $ 575,000 | $ 155,000 |
| Dare County North Carolina | 4 | $ 2,110,000 | $ 527,000 | $ 412,000 |
| Butler County Ohio | 4 | $ 1,090,000 | $ 272,000 | $ 264,000 |
| Mahoning County Ohio | 4 | $ 1,140,000 | $ 285,000 | $ 109,000 |
| Carbon County Pennsylvania | 4 | $ 1,390,000 | $ 347,000 | $ 187,000 |
| Huntingdon County Pennsylvania | 4 | $ 380,000 | $ 95,000 | $ 126,000 |
| Fairfax County Virginia | 4 | $ 5,870,000 | $ 1,467,000 | $ 724,000 |
| Los Angeles County California | 3 | $ 6,145,000 | $ 2,048,000 | $ 486,000 |
| Baltimore City County Maryland | 3 | $ 1,515,000 | $ 505,000 | $ 151,000 |
| Garrett County Maryland | 3 | $ 3,775,000 | $ 1,258,000 | $ 796,000 |
| Monroe County New York | 3 | $ 855,000 | $ 285,000 | $ 123,000 |
| Erie County Ohio | 3 | $ 705,000 | $ 235,000 | $ 325,000 |
| Geauga County Ohio | 3 | $ 1,775,000 | $ 591,000 | $ 160,000 |
| Trumbull County Ohio | 3 | $ 545,000 | $ 181,000 | $ 60,000 |
| Warren County Ohio | 3 | $ 3,135,000 | $ 1,045,000 | $ 392,000 |
| Adams County Pennsylvania | 3 | $ 815,000 | $ 271,000 | $ 108,000 |
| Bedford County Pennsylvania | 3 | $ 445,000 | $ 148,000 | $ 44,000 |
| Erie County Pennsylvania | 3 | $ 525,000 | $ 175,000 | $ 90,000 |
| Monroe County Pennsylvania | 3 | $ 795,000 | $ 265,000 | $ 279,000 |
| Loudoun County Virginia | 3 | $ 665,000 | $ 221,000 | $ 198,000 |
| Jefferson County Alabama | 2 | $ 1,650,000 | $ 825,000 | $ 350,000 |
| Maricopa County Arizona | 2 | $ 1,940,000 | $ 970,000 | $ 662,000 |
| San Diego County California | 2 | $ 2,460,000 | $ 1,230,000 | $ 457,000 |
| Broward County Florida | 2 | $ 820,000 | $ 410,000 | $ 375,000 |
| Lee County Florida | 2 | $ 230,000 | $ 115,000 | $ 93,000 |
| Nassau County Florida | 2 | $ 780,000 | $ 390,000 | $ 280,000 |
| Pinellas County Florida | 2 | $ 590,000 | $ 295,000 | $ 196,000 |
| Sumter County Florida | 2 | $ 880,000 | $ 440,000 | $ 149,000 |
| Marion County Indiana | 2 | $ 810,000 | $ 405,000 | $ 288,000 |
| Allegany County Maryland | 2 | $ 200,000 | $ 100,000 | $ 50,000 |
| Howard County Maryland | 2 | $ 2,870,000 | $ 1,435,000 | $ 479,000 |
| St. Mary's County Maryland | 2 | $ 1,650,000 | $ 825,000 | $ 162,000 |
| Talbot County Maryland | 2 | $ 2,210,000 | $ 1,105,000 | $ 503,000 |
| Mason County Michigan | 2 | $ 130,000 | $ 65,000 | $ 39,000 |
| Atlantic County New Jersey | 2 | $ 2,260,000 | $ 1,130,000 | $ 1,110,000 |
| Cumberland County New Jersey | 2 | $ 1,040,000 | $ 520,000 | $ 31,000 |
| Gloucester County New Jersey | 2 | $ 500,000 | $ 250,000 | $ 169,000 |
| Hunterdon County New Jersey | 2 | $ 1,770,000 | $ 885,000 | $ 295,000 |
| Middlesex County New Jersey | 2 | $ 1,700,000 | $ 850,000 | $ 247,000 |
| Union County New Jersey | 2 | $ 2,380,000 | $ 1,190,000 | $ 627,000 |
| Kings County New York | 2 | $ 2,760,000 | $ 1,380,000 | $ 0 |
| Johnston County North Carolina | 2 | $ 590,000 | $ 295,000 | $ 90,000 |
| Columbiana County Ohio | 2 | $ 220,000 | $ 110,000 | $ 112,000 |
| Coshocton County Ohio | 2 | $ 200,000 | $ 100,000 | $ 66,000 |
| Greene County Ohio | 2 | $ 880,000 | $ 440,000 | $ 275,000 |
| Huron County Ohio | 2 | $ 730,000 | $ 365,000 | $ 0 |
| Richland County Ohio | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Forest County Pennsylvania | 2 | $ 510,000 | $ 255,000 | $ 74,000 |
| Franklin County Pennsylvania | 2 | $ 450,000 | $ 225,000 | $ 89,000 |
| Davidson County Tennessee | 2 | $ 2,400,000 | $ 1,200,000 | $ 265,000 |
| Brooke County West Virginia | 2 | $ 100,000 | $ 50,000 | $ 163,000 |
| Merced County California | 1 | $ 55,000 | $ 55,000 | $ 114,000 |
| Orange County California | 1 | $ 1,405,000 | $ 1,405,000 | $ 2,766,000 |
| Riverside County California | 1 | $ 355,000 | $ 355,000 | $ 364,000 |
| San Bernardino County California | 1 | $ 105,000 | $ 105,000 | $ 238,000 |
| Ventura County California | 1 | $ 725,000 | $ 725,000 | $ 510,000 |
| Hartford County Connecticut | 1 | $ 35,000 | $ 35,000 | $ 129,000 |
| Middlesex County Connecticut | 1 | $ 325,000 | $ 325,000 | $ 114,000 |
| New London County Connecticut | 1 | $ 1,005,000 | $ 1,005,000 | $ 1,628,000 |
| Kent County Delaware | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Levy County Florida | 1 | $ 345,000 | $ 345,000 | $ 111,000 |
| Manatee County Florida | 1 | $ 195,000 | $ 195,000 | $ 103,000 |
| Monroe County Florida | 1 | $ 245,000 | $ 245,000 | $ 144,000 |
| Osceola County Florida | 1 | $ 255,000 | $ 255,000 | $ 226,000 |
| Polk County Florida | 1 | $ 235,000 | $ 235,000 | $ 359,000 |
| Cobb County Georgia | 1 | $ 315,000 | $ 315,000 | $ 103,000 |
| Fulton County Georgia | 1 | $ 565,000 | $ 565,000 | $ 350,000 |
| Ada County Idaho | 1 | $ 705,000 | $ 705,000 | $ 577,000 |
| Lake County Illinois | 1 | $ 215,000 | $ 215,000 | $ 101,000 |
| Winnebago County Illinois | 1 | $ 205,000 | $ 205,000 | $ 388,000 |
| Boone County Indiana | 1 | $ 605,000 | $ 605,000 | $ 144,000 |
| Tippecanoe County Indiana | 1 | $ 65,000 | $ 65,000 | $ 202,000 |
| Jefferson County Kentucky | 1 | $ 515,000 | $ 515,000 | $ 58,000 |
| Anne Arundel County Maryland | 1 | $ 205,000 | $ 205,000 | $ 144,000 |
| Macomb County Michigan | 1 | $ 685,000 | $ 685,000 | $ 172,000 |
| Morris County New Jersey | 1 | $ 465,000 | $ 465,000 | $ 196,000 |
| Salem County New Jersey | 1 | $ 195,000 | $ 195,000 | $ 315,000 |
| Somerset County New Jersey | 1 | $ 675,000 | $ 675,000 | $ 250,000 |
| Warren County New Jersey | 1 | $ 575,000 | $ 575,000 | $ 247,000 |
| Bernalillo County New Mexico | 1 | $ 455,000 | $ 455,000 | $ 179,000 |
| Erie County New York | 1 | $ 345,000 | $ 345,000 | $ 95,000 |
| Ulster County New York | 1 | $ 915,000 | $ 915,000 | $ 0 |
| Davidson County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 100,000 |
| Lincoln County North Carolina | 1 | $ 905,000 | $ 905,000 | $ 313,000 |
| Ashland County Ohio | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Ashtabula County Ohio | 1 | $ 315,000 | $ 315,000 | $ 150,000 |
| Athens County Ohio | 1 | $ 45,000 | $ 45,000 | $ 67,000 |
| Belmont County Ohio | 1 | $ 2,105,000 | $ 2,105,000 | $ 0 |
| Carroll County Ohio | 1 | $ 105,000 | $ 105,000 | $ 58,000 |
| Clark County Ohio | 1 | $ 335,000 | $ 335,000 | $ 137,000 |
| Hocking County Ohio | 1 | $ 1,365,000 | $ 1,365,000 | $ 739,000 |
| Lake County Ohio | 1 | $ 655,000 | $ 655,000 | $ 342,000 |
| Perry County Ohio | 1 | $ 1,915,000 | $ 1,915,000 | $ 0 |
| Pickaway County Ohio | 1 | $ 55,000 | $ 55,000 | $ 86,000 |
| Tuscarawas County Ohio | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Benton County Oregon | 1 | $ 425,000 | $ 425,000 | $ 74,000 |
| Cameron County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 83,000 |
| Columbia County Pennsylvania | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Crawford County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 33,000 |
| Greene County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 63,000 |
| Juniata County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 54,000 |
| Mercer County Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 93,000 |
| Mifflin County Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 109,000 |
| Northumberland County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 90,000 |
| Tioga County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 95,000 |
| Union County Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 602,000 |
| Warren County Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 79,000 |
| Wayne County Pennsylvania | 1 | $ 505,000 | $ 505,000 | $ 420,000 |
| Beaufort County South Carolina | 1 | $ 2,005,000 | $ 2,005,000 | $ 6,960,000 |
| Horry County South Carolina | 1 | $ 255,000 | $ 255,000 | $ 280,000 |
| Lexington County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Williamsburg County South Carolina | 1 | $ 85,000 | $ 85,000 | $ 70,000 |
| Sevier County Tennessee | 1 | $ 485,000 | $ 485,000 | $ 550,000 |
| Williamson County Tennessee | 1 | $ 315,000 | $ 315,000 | $ 196,000 |
| Blanco County Texas | 1 | $ 505,000 | $ 505,000 | $ 146,000 |
| Dallas County Texas | 1 | $ 1,355,000 | $ 1,355,000 | $ 477,000 |
| Fort Bend County Texas | 1 | $ 295,000 | $ 295,000 | $ 954,000 |
| Grayson County Texas | 1 | $ 725,000 | $ 725,000 | $ 494,000 |
| Iron County Utah | 1 | $ 155,000 | $ 155,000 | $ 63,000 |
| Fauquier County Virginia | 1 | $ 2,135,000 | $ 2,135,000 | $ 2,292,000 |
| Lynchburg County Virginia | 1 | $ 155,000 | $ 155,000 | $ 145,000 |
| Rappahannock County Virginia | 1 | $ 565,000 | $ 565,000 | $ 215,000 |
| Virginia Beach County Virginia | 1 | $ 1,005,000 | $ 1,005,000 | $ 312,000 |
| Winchester County Virginia | 1 | $ 315,000 | $ 315,000 | $ 278,000 |
| Kitsap County Washington | 1 | $ 1,945,000 | $ 1,945,000 | $ 530,000 |
| Greenbrier County West Virginia | 1 | $ 1,505,000 | $ 1,505,000 | $ 2,045,000 |
| Pocahontas County 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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