S&T Bank Mortgage Lending & HMDA Data, 2024
In 2024, S&T Bank of Indiana, PA reported 3,994 mortgage applications totaling $1.0 billion, down 17% from 2023. The average application was for $259,354, and applicants reported an average income of $148,589. 63% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Pittsburgh, PA (1,761), Montgomery County-Bucks County-Chester County, PA (311) and Harrisburg-Carlisle, PA (203) (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 | 3,994 |
| Total Mortgage Loan Application Amount | $1,035,860,000 |
| Average Mortgage Loan Application Amount | $259,354 |
| Highest Mortgage Loan Application Amount | $58,005,000 |
| Average Applicant Income | $148,589 |
| Highest Applicant Income | $2,743,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Allegheny, Pennsylvania | 776 | $ 161,520,000 | $ 208,144 | $ 155,000 |
| Westmoreland, Pennsylvania | 681 | $ 90,615,000 | $ 133,061 | $ 108,000 |
| Indiana, Pennsylvania | 277 | $ 28,165,000 | $ 101,678 | $ 96,000 |
| Chester, Pennsylvania | 267 | $ 70,635,000 | $ 264,550 | $ 173,000 |
| Jefferson, Pennsylvania | 253 | $ 26,775,000 | $ 105,830 | $ 87,000 |
| Clearfield, Pennsylvania | 165 | $ 21,395,000 | $ 129,666 | $ 126,000 |
| Cambria, Pennsylvania | 145 | $ 12,975,000 | $ 89,482 | $ 88,000 |
| Lancaster, Pennsylvania | 136 | $ 30,610,000 | $ 225,073 | $ 179,000 |
| Armstrong, Pennsylvania | 118 | $ 9,940,000 | $ 84,237 | $ 81,000 |
| Dauphin, Pennsylvania | 109 | $ 27,525,000 | $ 252,522 | $ 145,000 |
| Cumberland, Pennsylvania | 91 | $ 25,035,000 | $ 275,109 | $ 196,000 |
| Philadelphia, Pennsylvania | 81 | $ 34,285,000 | $ 423,271 | $ 131,000 |
| Butler, Pennsylvania | 73 | $ 33,045,000 | $ 452,671 | $ 235,000 |
| Blair, Pennsylvania | 62 | $ 6,810,000 | $ 109,838 | $ 109,000 |
| Washington, Pennsylvania | 49 | $ 20,045,000 | $ 409,081 | $ 230,000 |
| Clarion, Pennsylvania | 46 | $ 6,110,000 | $ 132,826 | $ 98,000 |
| Delaware, Pennsylvania | 40 | $ 10,640,000 | $ 266,000 | $ 196,000 |
| Summit, Ohio | 38 | $ 6,110,000 | $ 160,789 | $ 111,000 |
| York, Pennsylvania | 38 | $ 11,990,000 | $ 315,526 | $ 148,000 |
| Beaver, Pennsylvania | 36 | $ 6,300,000 | $ 175,000 | $ 121,000 |
| Franklin, Ohio | 33 | $ 112,755,000 | $ 3,416,818 | $ 356,000 |
| Montgomery, Pennsylvania | 33 | $ 13,065,000 | $ 395,909 | $ 349,000 |
| Cuyahoga, Ohio | 31 | $ 31,555,000 | $ 1,017,903 | $ 239,000 |
| Lawrence, Pennsylvania | 18 | $ 3,230,000 | $ 179,444 | $ 138,000 |
| Medina, Ohio | 17 | $ 4,965,000 | $ 292,058 | $ 358,000 |
| Delaware, Ohio | 15 | $ 45,195,000 | $ 3,013,000 | $ 353,000 |
| Berks, Pennsylvania | 14 | $ 2,050,000 | $ 146,428 | $ 116,000 |
| Somerset, Pennsylvania | 13 | $ 3,125,000 | $ 240,384 | $ 287,000 |
| Cape May, New Jersey | 11 | $ 5,945,000 | $ 540,454 | $ 530,000 |
| Bucks, Pennsylvania | 11 | $ 4,545,000 | $ 413,181 | $ 317,000 |
| Elk, Pennsylvania | 10 | $ 1,890,000 | $ 189,000 | $ 141,000 |
| Fayette, Pennsylvania | 10 | $ 1,620,000 | $ 162,000 | $ 97,000 |
| Union, Ohio | 8 | $ 3,560,000 | $ 445,000 | $ 193,000 |
| Bedford, Pennsylvania | 8 | $ 1,980,000 | $ 247,500 | $ 122,000 |
| Frederick, Maryland | 7 | $ 4,855,000 | $ 693,571 | $ 305,000 |
| Mercer, Pennsylvania | 7 | $ 1,085,000 | $ 155,000 | $ 104,000 |
| New Castle, Delaware | 6 | $ 970,000 | $ 161,666 | $ 121,000 |
| Portage, Ohio | 6 | $ 2,010,000 | $ 335,000 | $ 112,000 |
| Sussex, Delaware | 5 | $ 14,755,000 | $ 2,951,000 | $ 370,000 |
| Somerset, New Jersey | 5 | $ 1,985,000 | $ 397,000 | $ 193,000 |
| Fairfield, Ohio | 5 | $ 2,495,000 | $ 499,000 | $ 322,000 |
| Licking, Ohio | 5 | $ 2,445,000 | $ 489,000 | $ 132,000 |
| Erie, Pennsylvania | 5 | $ 1,755,000 | $ 351,000 | $ 305,000 |
| Lebanon, Pennsylvania | 5 | $ 1,755,000 | $ 351,000 | $ 176,000 |
| Lehigh, Pennsylvania | 5 | $ 2,035,000 | $ 407,000 | $ 249,000 |
| Harford, Maryland | 4 | $ 3,750,000 | $ 937,500 | $ 387,000 |
| Montgomery, Maryland | 4 | $ 4,440,000 | $ 1,110,000 | $ 361,000 |
| Lorain, Ohio | 4 | $ 660,000 | $ 165,000 | $ 144,000 |
| Venango, Pennsylvania | 4 | $ 550,000 | $ 137,500 | $ 182,000 |
| Capitol Planning Region, Connecticut | 3 | $ 255,000 | $ 85,000 | $ 145,000 |
| Palm Beach, Florida | 3 | $ 3,575,000 | $ 1,191,666 | $ 498,000 |
| Sarasota, Florida | 3 | $ 4,625,000 | $ 1,541,666 | $ 852,000 |
| Carroll, Maryland | 3 | $ 695,000 | $ 231,666 | $ 305,000 |
| Talbot, Maryland | 3 | $ 2,995,000 | $ 998,333 | $ 1,046,000 |
| Atlantic, New Jersey | 3 | $ 495,000 | $ 165,000 | $ 394,000 |
| Mercer, New Jersey | 3 | $ 1,345,000 | $ 448,333 | $ 1,094,000 |
| Mecklenburg, North Carolina | 3 | $ 1,135,000 | $ 378,333 | $ 418,000 |
| Montgomery, Ohio | 3 | $ 2,575,000 | $ 858,333 | $ 568,000 |
| Stark, Ohio | 3 | $ 1,755,000 | $ 585,000 | $ 174,000 |
| Centre, Pennsylvania | 3 | $ 605,000 | $ 201,666 | $ 147,000 |
| Lackawanna, Pennsylvania | 3 | $ 1,475,000 | $ 491,666 | $ 315,000 |
| Perry, Pennsylvania | 3 | $ 675,000 | $ 225,000 | $ 165,000 |
| Riverside, California | 2 | $ 440,000 | $ 220,000 | $ 216,000 |
| San Diego, California | 2 | $ 2,950,000 | $ 1,475,000 | $ 586,000 |
| Lee, Florida | 2 | $ 1,460,000 | $ 730,000 | $ 298,000 |
| Bergen, New Jersey | 2 | $ 3,160,000 | $ 1,580,000 | $ 690,000 |
| Camden, New Jersey | 2 | $ 670,000 | $ 335,000 | $ 129,000 |
| Monmouth, New Jersey | 2 | $ 280,000 | $ 140,000 | $ 460,000 |
| Ashtabula, Ohio | 2 | $ 600,000 | $ 300,000 | $ 128,000 |
| Ottawa, Ohio | 2 | $ 450,000 | $ 225,000 | $ 0 |
| Warren, Ohio | 2 | $ 1,270,000 | $ 635,000 | $ 493,000 |
| Adams, Pennsylvania | 2 | $ 300,000 | $ 150,000 | $ 107,000 |
| Cameron, Pennsylvania | 2 | $ 170,000 | $ 85,000 | $ 70,000 |
| Crawford, Pennsylvania | 2 | $ 220,000 | $ 110,000 | $ 151,000 |
| Forest, Pennsylvania | 2 | $ 230,000 | $ 115,000 | $ 227,000 |
| Franklin, Pennsylvania | 2 | $ 740,000 | $ 370,000 | $ 66,000 |
| Greene, Pennsylvania | 2 | $ 40,000 | $ 20,000 | $ 80,000 |
| Huntingdon, Pennsylvania | 2 | $ 400,000 | $ 200,000 | $ 133,000 |
| Luzerne, Pennsylvania | 2 | $ 880,000 | $ 440,000 | $ 0 |
| Lycoming, Pennsylvania | 2 | $ 570,000 | $ 285,000 | $ 103,000 |
| Schuylkill, Pennsylvania | 2 | $ 300,000 | $ 150,000 | $ 117,000 |
| Horry, South Carolina | 2 | $ 500,000 | $ 250,000 | $ 103,000 |
| Knox, Tennessee | 2 | $ 370,000 | $ 185,000 | $ 244,000 |
| Monongalia, West Virginia | 2 | $ 180,000 | $ 90,000 | $ 97,000 |
| Baldwin, Alabama | 1 | $ 1,205,000 | $ 1,205,000 | $ 495,000 |
| Maricopa, Arizona | 1 | $ 425,000 | $ 425,000 | $ 90,000 |
| Los Angeles, California | 1 | $ 3,905,000 | $ 3,905,000 | $ 1,430,000 |
| San Bernardino, California | 1 | $ 125,000 | $ 125,000 | $ 259,000 |
| Broward, Florida | 1 | $ 205,000 | $ 205,000 | $ 68,000 |
| Flagler, Florida | 1 | $ 285,000 | $ 285,000 | $ 207,000 |
| Hernando, Florida | 1 | $ 1,345,000 | $ 1,345,000 | $ 500,000 |
| Lake, Florida | 1 | $ 215,000 | $ 215,000 | $ 91,000 |
| Manatee, Florida | 1 | $ 155,000 | $ 155,000 | $ 150,000 |
| St. Lucie, Florida | 1 | $ 95,000 | $ 95,000 | $ 135,000 |
| Floyd, Georgia | 1 | $ 25,000 | $ 25,000 | $ 90,000 |
| Baltimore, Maryland | 1 | $ 505,000 | $ 505,000 | $ 135,000 |
| Garrett, Maryland | 1 | $ 625,000 | $ 625,000 | $ 297,000 |
| Howard, Maryland | 1 | $ 1,105,000 | $ 1,105,000 | $ 469,000 |
| Barnstable, Massachusetts | 1 | $ 505,000 | $ 505,000 | $ 270,000 |
| Mason, Michigan | 1 | $ 85,000 | $ 85,000 | $ 52,000 |
| St. Charles, Missouri | 1 | $ 55,000 | $ 55,000 | $ 205,000 |
| Gloucester, New Jersey | 1 | $ 2,005,000 | $ 2,005,000 | $ 0 |
| Hudson, New Jersey | 1 | $ 495,000 | $ 495,000 | $ 145,000 |
| Middlesex, New Jersey | 1 | $ 865,000 | $ 865,000 | $ 307,000 |
| Morris, New Jersey | 1 | $ 1,085,000 | $ 1,085,000 | $ 263,000 |
| Ocean, New Jersey | 1 | $ 565,000 | $ 565,000 | $ 1,101,000 |
| Union, New Jersey | 1 | $ 1,635,000 | $ 1,635,000 | $ 500,000 |
| Chautauqua, New York | 1 | $ 245,000 | $ 245,000 | $ 148,000 |
| Monroe, New York | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Onslow, North Carolina | 1 | $ 1,205,000 | $ 1,205,000 | $ 1,740,000 |
| Wake, North Carolina | 1 | $ 615,000 | $ 615,000 | $ 180,000 |
| Ashland, Ohio | 1 | $ 55,000 | $ 55,000 | $ 65,000 |
| Belmont, Ohio | 1 | $ 2,105,000 | $ 2,105,000 | $ 0 |
| Butler, Ohio | 1 | $ 205,000 | $ 205,000 | $ 322,000 |
| Coshocton, Ohio | 1 | $ 645,000 | $ 645,000 | $ 322,000 |
| Crawford, Ohio | 1 | $ 305,000 | $ 305,000 | $ 127,000 |
| Greene, Ohio | 1 | $ 2,925,000 | $ 2,925,000 | $ 0 |
| Hamilton, Ohio | 1 | $ 535,000 | $ 535,000 | $ 951,000 |
| Hancock, Ohio | 1 | $ 135,000 | $ 135,000 | $ 89,000 |
| Hocking, Ohio | 1 | $ 315,000 | $ 315,000 | $ 138,000 |
| Huron, Ohio | 1 | $ 155,000 | $ 155,000 | $ 78,000 |
| Mahoning, Ohio | 1 | $ 115,000 | $ 115,000 | $ 111,000 |
| Morrow, Ohio | 1 | $ 485,000 | $ 485,000 | $ 371,000 |
| Richland, Ohio | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Ross, Ohio | 1 | $ 105,000 | $ 105,000 | $ 175,000 |
| Sandusky, Ohio | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Tuscarawas, Ohio | 1 | $ 75,000 | $ 75,000 | $ 104,000 |
| Wyandot, Ohio | 1 | $ 715,000 | $ 715,000 | $ 272,000 |
| McKean, Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 28,000 |
| Monroe, Pennsylvania | 1 | $ 365,000 | $ 365,000 | $ 341,000 |
| Northampton, Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 64,000 |
| Potter, Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 50,000 |
| Tioga, Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 141,000 |
| Warren, Pennsylvania | 1 | $ 355,000 | $ 355,000 | $ 325,000 |
| Beaufort, South Carolina | 1 | $ 965,000 | $ 965,000 | $ 575,000 |
| Davidson, Tennessee | 1 | $ 125,000 | $ 125,000 | $ 101,000 |
| Hamilton, Tennessee | 1 | $ 545,000 | $ 545,000 | $ 250,000 |
| Cameron, Texas | 1 | $ 375,000 | $ 375,000 | $ 214,000 |
| Wasatch, Utah | 1 | $ 655,000 | $ 655,000 | $ 249,000 |
| Rutland, Vermont | 1 | $ 195,000 | $ 195,000 | $ 171,000 |
| Bedford, Virginia | 1 | $ 145,000 | $ 145,000 | $ 276,000 |
| Berkeley, West Virginia | 1 | $ 255,000 | $ 255,000 | $ 326,000 |
| Harrison, West Virginia | 1 | $ 2,285,000 | $ 2,285,000 | $ 0 |
Mortgage Loan Application Detail Totals for S&T Bank in 2024
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 | 1,217 | $559,795,000 | $459,000 | $58,005,000 | $167,000 | $2,535,000 |
| Refinancing | 1,076 | $267,570,000 | $248,000 | $22,005,000 | $148,000 | $2,520,000 |
| Home Improvement | 999 | $119,505,000 | $119,000 | $2,565,000 | $149,000 | $2,743,000 |
| Other Purpose | 562 | $61,400,000 | $109,000 | $2,645,000 | $115,000 | $1,704,000 |
| Cash-out Refinancing | 140 | $27,590,000 | $197,000 | $3,155,000 | $125,000 | $803,000 |
| 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 | 3,117 | $585,295,000 | $187,000 | $4,005,000 | $144,000 | $2,535,000 |
| Not Provided | 242 | $59,590,000 | $246,000 | $3,005,000 | $195,000 | $2,743,000 |
| Not applicable | 236 | $297,610,000 | $1,261,000 | $58,005,000 | $0 | $0 |
| Black or African American | 201 | $37,205,000 | $185,000 | $1,805,000 | $110,000 | $1,147,000 |
| Asian | 126 | $45,030,000 | $357,000 | $2,395,000 | $224,000 | $1,475,000 |
| Hispanic | 66 | $10,210,000 | $154,000 | $905,000 | $138,000 | $540,000 |
| American Indian or Alaskan Native | 6 | $920,000 | $153,000 | $485,000 | $83,000 | $178,000 |
| 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) | 3,994 | $1,035,860,000 | $259,000 | $58,005,000 | $148,000 | $2,743,000 |
| 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 | 2,501 | $719,935,000 | $287,000 | $58,005,000 | $159,000 | $2,535,000 |
| Application Denied By Financial Institution | 942 | $140,550,000 | $149,000 | $3,005,000 | $118,000 | $2,743,000 |
| Application Withdrawn By Applicant | 230 | $108,620,000 | $472,000 | $19,005,000 | $177,000 | $1,704,000 |
| Application Approved But Not Accepted | 179 | $24,575,000 | $137,000 | $3,005,000 | $135,000 | $1,460,000 |
| File Closed For Incompleteness | 85 | $23,785,000 | $279,000 | $1,085,000 | $127,000 | $910,000 |
| Preapproval Approved but not Accepted | 40 | $15,170,000 | $379,000 | $2,045,000 | $163,000 | $1,066,000 |
| Preapproval Denied by Financial Institution | 17 | $3,225,000 | $189,000 | $365,000 | $64,000 | $163,000 |
| 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 | 3,035 | $892,085,000 | $293,000 | $58,005,000 | $158,000 | $2,535,000 |
| Debt-To-Income Ratio | 356 | $65,520,000 | $184,000 | $1,205,000 | $86,000 | $551,000 |
| Credit History | 320 | $28,320,000 | $88,000 | $745,000 | $101,000 | $756,000 |
| Collateral | 216 | $33,080,000 | $153,000 | $3,005,000 | $185,000 | $2,743,000 |
| Unverifiable Information | 39 | $6,445,000 | $165,000 | $735,000 | $134,000 | $525,000 |
| Other | 19 | $5,475,000 | $288,000 | $1,095,000 | $145,000 | $480,000 |
| Credit Application Incomplete | 3 | $3,895,000 | $1,298,000 | $2,105,000 | $0 | $0 |
| Employment History | 3 | $315,000 | $105,000 | $155,000 | $33,000 | $46,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $725,000 | $241,000 | $335,000 | $48,000 | $77,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S&T Bank's 2024 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.
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