S&T Bank Mortgage Lending & HMDA Data, 2025
In 2025, S&T Bank of Indiana, PA reported 4,102 mortgage applications totaling $1.2 billion, up 3% from 2024. The average application was for $293,166, and applicants reported an average income of $153,233. 64% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Pittsburgh, PA (1,826), Montgomery County-Bucks County-Chester County, PA (385) and Harrisburg-Carlisle, PA (166) (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 | 4,102 |
| Total Mortgage Loan Application Amount | $1,202,570,000 |
| Average Mortgage Loan Application Amount | $293,166 |
| Highest Mortgage Loan Application Amount | $25,755,000 |
| Average Applicant Income | $153,233 |
| Highest Applicant Income | $4,435,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Pittsburgh, PA | 1,826 | $ 392,170,000 | $ 214,769 | $ 134,000 |
| Outside any metro area | 895 | $ 175,495,000 | $ 196,083 | $ 112,658 |
| Montgomery County-Bucks County-Chester County, PA | 385 | $ 110,765,000 | $ 287,701 | $ 184,000 |
| Harrisburg-Carlisle, PA | 166 | $ 30,370,000 | $ 182,951 | $ 156,000 |
| Johnstown, PA | 149 | $ 14,945,000 | $ 100,302 | $ 95,000 |
| Philadelphia, PA | 145 | $ 121,345,000 | $ 836,862 | $ 183,000 |
| Lancaster, PA | 118 | $ 36,530,000 | $ 309,576 | $ 277,000 |
| Columbus, OH | 87 | $ 101,975,000 | $ 1,172,126 | $ 317,000 |
| Altoona, PA | 82 | $ 14,430,000 | $ 175,975 | $ 136,000 |
| Akron, OH | 47 | $ 8,925,000 | $ 189,893 | $ 155,000 |
| Cleveland, OH | 45 | $ 89,995,000 | $ 1,999,888 | $ 255,000 |
| York-Hanover, PA | 31 | $ 7,615,000 | $ 245,645 | $ 242,000 |
| Atlantic City-Hammonton, NJ | 12 | $ 8,170,000 | $ 680,833 | $ 332,000 |
| Lebanon, PA | 10 | $ 2,180,000 | $ 218,000 | $ 240,000 |
| Camden, NJ | 7 | $ 1,345,000 | $ 192,142 | $ 244,000 |
| State College, PA | 7 | $ 1,605,000 | $ 229,285 | $ 267,000 |
| Erie, PA | 6 | $ 20,790,000 | $ 3,465,000 | $ 73,000 |
| Reading, PA | 6 | $ 2,160,000 | $ 360,000 | $ 154,000 |
| Wilmington, DE-MD-NJ | 6 | $ 880,000 | $ 146,666 | $ 96,666 |
| Chambersburg-Waynesboro, PA | 5 | $ 1,015,000 | $ 203,000 | $ 121,000 |
| Cincinnati, OH-KY-IN | 4 | $ 1,570,000 | $ 392,500 | $ 300,000 |
| Newark, NJ-PA | 4 | $ 1,520,000 | $ 380,000 | $ 308,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 4 | $ 740,000 | $ 185,000 | $ 73,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 4,740,000 | $ 1,185,000 | $ 557,000 |
| Baltimore-Columbia-Towson, MD | 3 | $ 665,000 | $ 221,666 | $ 565,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 2,935,000 | $ 978,333 | $ 213,000 |
| Dayton-Springfield-Kettering, OH | 3 | $ 405,000 | $ 135,000 | $ 86,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 5,695,000 | $ 1,898,333 | $ 1,001,000 |
| Washington-Baltimore-Arlington, DC | 3 | $ 1,125,000 | $ 375,000 | $ 200,000 |
| Canton-Massillon, OH | 2 | $ 260,000 | $ 130,000 | $ 274,000 |
| Lakewood-New Brunswick, NJ | 2 | $ 600,000 | $ 300,000 | $ 286,000 |
| Sandusky, OH | 2 | $ 13,990,000 | $ 6,995,000 | $ 1,033,000 |
| Springfield, OH | 2 | $ 550,000 | $ 275,000 | $ 159,000 |
| Vineland-Bridgeton, NJ | 2 | $ 1,110,000 | $ 555,000 | $ 29,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 220,000 | $ 110,000 | $ 334,000 |
| Arlington-Alexandria-Reston, VA-WV | 1 | $ 125,000 | $ 125,000 | $ 135,000 |
| Barnstable Town, MA | 1 | $ 505,000 | $ 505,000 | $ 296,000 |
| Brunswick, GA | 1 | $ 475,000 | $ 475,000 | $ 290,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 5,005,000 | $ 5,005,000 | $ 4,435,000 |
| Gettysburg, PA | 1 | $ 245,000 | $ 245,000 | $ 71,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 65,000 | $ 65,000 | $ 150,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 3,505,000 | $ 3,505,000 | $ 3,048,000 |
| Jacksonville, NC | 1 | $ 1,375,000 | $ 1,375,000 | $ 1,200,000 |
| Mansfield, OH | 1 | $ 755,000 | $ 755,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 365,000 | $ 365,000 | $ 3,579,000 |
| Morgantown, WV | 1 | $ 35,000 | $ 35,000 | $ 212,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 405,000 | $ 405,000 | $ 102,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 2,005,000 | $ 2,005,000 | $ 1,289,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 505,000 | $ 505,000 | $ 338,000 |
| Olympia-Tumwater, WA | 1 | $ 775,000 | $ 775,000 | $ 2,329,000 |
| Port St. Lucie, FL | 1 | $ 285,000 | $ 285,000 | $ 36,000 |
| Savannah, GA | 1 | $ 395,000 | $ 395,000 | $ 1,513,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 205,000 | $ 205,000 | $ 62,000 |
| Tampa, FL | 1 | $ 435,000 | $ 435,000 | $ 300,000 |
| Trenton, NJ | 1 | $ 305,000 | $ 305,000 | $ 316,000 |
| Washington, DC-MD | 1 | $ 3,665,000 | $ 3,665,000 | $ 0 |
| Weirton-Steubenville, WV-OH | 1 | $ 195,000 | $ 195,000 | $ 153,000 |
| Williamsport, PA | 1 | $ 2,005,000 | $ 2,005,000 | $ 0 |
Mortgage Loan Application Detail Totals for S&T Bank in 2025
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,353 | $416,355,000 | $307,000 | $22,505,000 | $153,000 | $3,057,000 |
| Home Improvement | 1,051 | $161,615,000 | $153,000 | $21,005,000 | $159,000 | $4,435,000 |
| Home Purchase | 922 | $512,630,000 | $555,000 | $25,755,000 | $155,000 | $3,253,000 |
| Other Purpose | 694 | $97,460,000 | $140,000 | $4,005,000 | $145,000 | $2,400,000 |
| Cash-out Refinancing | 82 | $14,510,000 | $176,000 | $625,000 | $133,000 | $1,690,000 |
| 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 | 3,367 | $625,995,000 | $185,000 | $5,005,000 | $149,000 | $4,435,000 |
| Not applicable | 241 | $464,915,000 | $1,929,000 | $25,755,000 | $0 | $0 |
| Black or African American | 162 | $28,690,000 | $177,000 | $1,525,000 | $122,000 | $2,090,000 |
| Not Provided | 151 | $33,105,000 | $219,000 | $2,015,000 | $215,000 | $2,329,000 |
| Asian | 118 | $38,120,000 | $323,000 | $2,005,000 | $239,000 | $1,480,000 |
| Hispanic | 52 | $10,130,000 | $194,000 | $1,115,000 | $132,000 | $616,000 |
| American Indian or Alaskan Native | 10 | $1,510,000 | $151,000 | $405,000 | $246,000 | $1,200,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $105,000 | $105,000 | $105,000 | $14,000 | $14,000 |
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) | 4,102 | $1,202,570,000 | $293,000 | $25,755,000 | $153,000 | $4,435,000 |
| 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 | 2,617 | $834,985,000 | $319,000 | $25,755,000 | $162,000 | $4,435,000 |
| Application Denied By Financial Institution | 1,205 | $197,785,000 | $164,000 | $3,205,000 | $132,000 | $3,579,000 |
| Application Withdrawn By Applicant | 158 | $126,310,000 | $799,000 | $25,375,000 | $181,000 | $3,253,000 |
| File Closed For Incompleteness | 64 | $20,290,000 | $317,000 | $1,525,000 | $172,000 | $1,200,000 |
| Application Approved But Not Accepted | 57 | $22,345,000 | $392,000 | $10,505,000 | $135,000 | $559,000 |
| Preapproval Approved but not Accepted | 1 | $855,000 | $855,000 | $855,000 | $225,000 | $225,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 2,897 | $1,004,785,000 | $346,000 | $25,755,000 | $162,000 | $4,435,000 |
| Credit History | 383 | $39,095,000 | $102,000 | $1,475,000 | $106,000 | $1,288,000 |
| Debt-To-Income Ratio | 354 | $81,870,000 | $231,000 | $1,905,000 | $94,000 | $551,000 |
| Collateral | 222 | $33,680,000 | $151,000 | $755,000 | $182,000 | $3,579,000 |
| Credit Application Incomplete | 166 | $25,090,000 | $151,000 | $1,505,000 | $170,000 | $2,400,000 |
| Other | 43 | $9,635,000 | $224,000 | $3,205,000 | $117,000 | $670,000 |
| Unverifiable Information | 34 | $8,000,000 | $235,000 | $1,205,000 | $294,000 | $2,090,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $310,000 | $155,000 | $195,000 | $78,000 | $79,000 |
| Employment History | 1 | $105,000 | $105,000 | $105,000 | $31,000 | $31,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S&T Bank's 2025 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About