S&T Bank Mortgage Lending & HMDA Data, 2003
In 2003, S&T Bank of Indiana, PA reported 5,624 mortgage applications totaling $334.7 million. The average application was for $59,513, and applicants reported an average income of $63,552. 75% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Pittsburgh, PA (1,775), Johnstown, PA (73) and Altoona, PA (5) (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 | 5,624 |
| Total Mortgage Loan Application Amount | $334,703,000 |
| Average Mortgage Loan Application Amount | $59,513 |
| Highest Mortgage Loan Application Amount | $2,910,000 |
| Average Applicant Income | $63,552 |
| Highest Applicant Income | $7,000,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,775 | $ 129,075,000 | $ 72,718 | $ 68,000 |
| Johnstown, PA | 73 | $ 4,415,000 | $ 60,479 | $ 92,000 |
| Altoona, PA | 5 | $ 439,000 | $ 87,800 | $ 28,000 |
| Fort Lauderdale, FL | 3 | $ 533,000 | $ 177,666 | $ 708,000 |
| Philadelphia, PA-NJ | 3 | $ 248,000 | $ 82,666 | $ 291,000 |
| State College, PA | 3 | $ 600,000 | $ 200,000 | $ 101,000 |
| Atlanta, GA | 2 | $ 356,000 | $ 178,000 | $ 129,000 |
| Erie, PA | 2 | $ 156,000 | $ 78,000 | $ 35,000 |
| Stamford-Norwalk, CT | 2 | $ 290,000 | $ 145,000 | $ 117,000 |
| Washington, DC-MD-VA-WV | 2 | $ 700,000 | $ 350,000 | $ 288,000 |
| West Palm Beach-Boca Raton, FL | 2 | $ 229,000 | $ 114,500 | $ 3,541,000 |
| Cedar Rapids, IA | 1 | $ 270,000 | $ 270,000 | $ 264,000 |
| Chicago, IL | 1 | $ 20,000 | $ 20,000 | $ 22,000 |
| Cleveland-Lorain-Elyria, OH | 1 | $ 138,000 | $ 138,000 | $ 120,000 |
| Denver, CO | 1 | $ 410,000 | $ 410,000 | $ 52,000 |
| Jersey City, NJ | 1 | $ 86,000 | $ 86,000 | $ 35,000 |
| Middlesex-Somerset-Hunterdon, NJ | 1 | $ 185,000 | $ 185,000 | $ 85,000 |
| Monmouth-Ocean, NJ | 1 | $ 323,000 | $ 323,000 | $ 166,000 |
| Myrtle Beach, SC | 1 | $ 65,000 | $ 65,000 | $ 81,000 |
| Phoenix-Mesa, AZ | 1 | $ 118,000 | $ 118,000 | $ 332,000 |
| Salt Lake City-Ogden, UT | 1 | $ 125,000 | $ 125,000 | $ 300,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 825,000 | $ 825,000 | $ 370,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 135,000 | $ 135,000 | $ 145,000 |
| Sharon, PA | 1 | $ 31,000 | $ 31,000 | $ 18,000 |
| Wilmington, NC | 1 | $ 69,000 | $ 69,000 | $ 112,000 |
Mortgage Loan Application Detail Totals for S&T Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 3,530 | $229,794,000 | $191,428 | $875,000 | $327,785 | $7,000,000 |
| Home Improvement (one-to-four family) | 1,244 | $24,627,000 | $82,600 | $500,000 | $133,200 | $698,000 |
| Home Purchase (one-to-four family) | 819 | $65,545,000 | $198,375 | $825,000 | $277,125 | $2,431,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 31 | $14,737,000 | $475,000 | $2,910,000 | $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 | 4,825 | $288,116,000 | $201,411 | $2,625,000 | $189,176 | $2,431,000 |
| Information not provided by applicant in mail or telephone application | 705 | $31,733,000 | $36,250 | $850,000 | $1,789,750 | $7,000,000 |
| Black | 25 | $1,511,000 | $60,000 | $179,000 | $76,000 | $168,000 |
| Not applicable | 22 | $8,324,000 | $378,000 | $2,910,000 | $21,000 | $240,000 |
| Asian or Pacific Islander | 15 | $1,668,000 | $111,000 | $516,000 | $118,000 | $304,000 |
| Other | 13 | $1,853,000 | $142,000 | $500,000 | $155,000 | $589,000 |
| American Indian or Alaskan Native | 10 | $971,000 | $97,000 | $258,000 | $64,000 | $200,000 |
| Hispanic | 9 | $527,000 | $46,000 | $122,000 | $91,500 | $299,000 |
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) | 5,624 | $334,703,000 | $174,105 | $2,910,000 | $242,421 | $7,000,000 |
| 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 | 4,227 | $259,341,000 | $196,562 | $2,910,000 | $285,187 | $7,000,000 |
| Application Denied By Financial Institution | 688 | $33,664,000 | $27,500 | $850,000 | $75,500 | $450,000 |
| Application Approved But Not Accepted | 497 | $27,444,000 | $241,000 | $716,000 | $243,333 | $468,000 |
| Application Withdrawn By Applicant | 191 | $11,884,000 | $62,000 | $400,000 | $53,000 | $220,000 |
| File Closed For Incompleteness | 21 | $2,370,000 | $112,000 | $270,000 | $48,000 | $114,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 243 | $10,778,000 | $26,250 | $850,000 | $74,250 | $450,000 |
| Credit History | 240 | $10,155,000 | $42,000 | $175,000 | $38,000 | $273,000 |
| Other | 98 | $8,796,000 | $89,000 | $450,000 | $54,000 | $190,000 |
| Employment History | 63 | $1,625,000 | $25,000 | $110,000 | $38,000 | $144,000 |
| Collateral | 29 | $1,397,000 | $48,000 | $164,000 | $51,000 | $330,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $619,000 | $68,000 | $128,000 | $40,000 | $51,000 |
| Unverifiable Information | 5 | $242,000 | $48,000 | $118,000 | $61,000 | $170,000 |
| Credit Application Incomplete | 1 | $52,000 | $52,000 | $52,000 | $42,000 | $42,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S&T Bank's 2003 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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