S&T Bank Mortgage Lending & HMDA Data, 2005
In 2005, S&T Bank of Indiana, PA reported 3,169 mortgage applications totaling $202.2 million, down 15% from 2004. The average application was for $63,813, and applicants reported an average income of $70,091. 75% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Pittsburgh, PA (1,184), Altoona, PA (49) and Johnstown, PA (31) (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 | 3,169 |
| Total Mortgage Loan Application Amount | $202,225,000 |
| Average Mortgage Loan Application Amount | $63,813 |
| Highest Mortgage Loan Application Amount | $9,000,000 |
| Average Applicant Income | $70,091 |
| Highest Applicant Income | $3,100,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,184 | $ 84,329,000 | $ 71,223 | $ 66,000 |
| Altoona, PA | 49 | $ 5,721,000 | $ 116,755 | $ 65,000 |
| Johnstown, PA | 31 | $ 1,610,000 | $ 51,935 | $ 232,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 706,000 | $ 235,333 | $ 124,000 |
| Harrisburg-Carlisle, PA | 2 | $ 67,000 | $ 33,500 | $ 262,000 |
| Ocean City, NJ | 2 | $ 1,440,000 | $ 720,000 | $ 18,000 |
| Philadelphia, PA | 2 | $ 250,000 | $ 125,000 | $ 93,000 |
| Canton-Massillon, OH | 1 | $ 156,000 | $ 156,000 | $ 61,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 46,000 | $ 46,000 | $ 73,000 |
| Erie, PA | 1 | $ 140,000 | $ 140,000 | $ 125,000 |
| Jacksonville, FL | 1 | $ 500,000 | $ 500,000 | $ 1,224,000 |
| Jacksonville, NC | 1 | $ 162,000 | $ 162,000 | $ 94,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 100,000 | $ 100,000 | $ 40,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 77,000 | $ 77,000 | $ 197,000 |
| Naples-Marco Island, FL | 1 | $ 600,000 | $ 600,000 | $ 205,000 |
| New York-Wayne-White Plains, NY-NJ | 1 | $ 3,600,000 | $ 3,600,000 | $ 480,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 175,000 | $ 175,000 | $ 46,000 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 2,520,000 | $ 2,520,000 | $ 2,870,000 |
| State College, PA | 1 | $ 146,000 | $ 146,000 | $ 73,000 |
| Vero Beach, FL | 1 | $ 70,000 | $ 70,000 | $ 113,000 |
| Wilmington, NC | 1 | $ 75,000 | $ 75,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for S&T Bank in 2005
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 | 1,421 | $112,092,000 | $768,750 | $9,000,000 | $155,000 | $575,000 |
| Home Improvement | 986 | $28,242,000 | $34,000 | $376,000 | $61,500 | $3,100,000 |
| Home Purchase | 762 | $61,891,000 | $238,857 | $2,520,000 | $223,285 | $2,870,000 |
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 | 2,641 | $166,399,000 | $499,727 | $3,600,000 | $209,454 | $2,870,000 |
| Not Provided | 453 | $30,352,000 | $80,000 | $9,000,000 | $60,750 | $3,100,000 |
| Hispanic | 34 | $1,757,000 | $60,500 | $130,000 | $82,500 | $120,000 |
| Black or African American | 12 | $879,000 | $74,500 | $266,000 | $38,500 | $98,000 |
| American Indian or Alaskan Native | 10 | $324,000 | $32,000 | $75,000 | $42,000 | $71,000 |
| Asian | 7 | $837,000 | $119,000 | $200,000 | $282,000 | $642,000 |
| Not applicable | 7 | $1,069,000 | $130,500 | $376,000 | $89,000 | $439,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $608,000 | $121,000 | $234,000 | $140,000 | $304,000 |
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) | 3,169 | $202,225,000 | $429,818 | $9,000,000 | $202,000 | $3,100,000 |
| 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 | 2,371 | $144,780,000 | $428,500 | $3,600,000 | $221,875 | $3,100,000 |
| Application Denied By Financial Institution | 401 | $21,523,000 | $220,750 | $1,400,000 | $32,000 | $391,000 |
| Application Withdrawn By Applicant | 209 | $24,844,000 | $258,666 | $9,000,000 | $181,333 | $412,000 |
| Application Approved But Not Accepted | 147 | $7,320,000 | $49,000 | $231,000 | $68,000 | $300,000 |
| Preapproval Denied by Financial Institution | 23 | $2,179,000 | $113,500 | $264,000 | $49,500 | $90,000 |
| Preapproval Approved but not Accepted | 11 | $978,000 | $89,500 | $225,000 | $42,000 | $124,000 |
| File Closed For Incompleteness | 7 | $601,000 | $85,000 | $157,000 | $40,000 | $76,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 187 | $7,368,000 | $64,000 | $240,000 | $40,333 | $200,000 |
| Other | 116 | $9,295,000 | $72,000 | $650,000 | $44,000 | $391,000 |
| Debt-To-Income Ratio | 80 | $5,484,000 | $318,666 | $1,400,000 | $48,000 | $326,000 |
| Employment History | 25 | $617,000 | $41,500 | $110,000 | $51,000 | $237,000 |
| Collateral | 14 | $795,000 | $56,000 | $171,000 | $54,000 | $92,000 |
| Unverifiable Information | 2 | $143,000 | $71,000 | $138,000 | $20,000 | $25,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S&T Bank's 2005 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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