S&T Bank Mortgage Lending & HMDA Data, 2010
In 2010, S&T Bank of Indiana, PA reported 3,598 mortgage applications totaling $351.8 million, down 21% from 2009. The average application was for $97,770, and applicants reported an average income of $88,837. 65% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Pittsburgh, PA (2,090), Johnstown, PA (39) and Altoona, PA (27) (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 | 3,598 |
| Total Mortgage Loan Application Amount | $351,778,000 |
| Average Mortgage Loan Application Amount | $97,770 |
| Highest Mortgage Loan Application Amount | $13,725,000 |
| Average Applicant Income | $88,837 |
| Highest Applicant Income | $3,000,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,090 | $ 206,836,000 | $ 98,964 | $ 90,000 |
| Johnstown, PA | 39 | $ 3,134,000 | $ 80,358 | $ 80,000 |
| Altoona, PA | 27 | $ 3,851,000 | $ 142,629 | $ 155,000 |
| State College, PA | 6 | $ 685,000 | $ 114,166 | $ 55,000 |
| Youngstown-Warren-Boardman, OH-PA | 4 | $ 617,000 | $ 154,250 | $ 167,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 1,720,000 | $ 860,000 | $ 97,000 |
| Philadelphia, PA | 2 | $ 490,000 | $ 245,000 | $ 69,000 |
| Akron, OH | 1 | $ 2,000 | $ 2,000 | $ 35,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 550,000 | $ 550,000 | $ 239,000 |
| Brunswick, GA | 1 | $ 190,000 | $ 190,000 | $ 57,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 10,000 | $ 10,000 | $ 23,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 1,280,000 | $ 1,280,000 | $ 285,000 |
| Charleston, WV | 1 | $ 60,000 | $ 60,000 | $ 95,000 |
| Erie, PA | 1 | $ 107,000 | $ 107,000 | $ 101,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 126,000 | $ 126,000 | $ 77,000 |
| Jacksonville, NC | 1 | $ 182,000 | $ 182,000 | $ 73,000 |
| Las Vegas-Paradise, NV | 1 | $ 780,000 | $ 780,000 | $ 1,069,000 |
| Naples-Marco Island, FL | 1 | $ 386,000 | $ 386,000 | $ 321,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 563,000 | $ 563,000 | $ 271,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 153,000 | $ 153,000 | $ 16,000 |
| Sebastian-Vero Beach, FL | 1 | $ 215,000 | $ 215,000 | $ 481,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 417,000 | $ 417,000 | $ 147,000 |
| Tucson, AZ | 1 | $ 325,000 | $ 325,000 | $ 900,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 148,000 | $ 148,000 | $ 302,000 |
Mortgage Loan Application Detail Totals for S&T Bank in 2010
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 | 1,780 | $224,134,000 | $125,000 | $13,725,000 | $101,000 | $3,000,000 |
| Home Improvement | 1,178 | $48,287,000 | $40,000 | $12,067,000 | $72,000 | $1,092,000 |
| Home Purchase | 640 | $79,357,000 | $123,000 | $2,605,000 | $86,000 | $1,952,000 |
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 | 2,534 | $237,133,000 | $93,000 | $3,900,000 | $92,000 | $2,883,000 |
| Not Provided | 942 | $59,702,000 | $63,000 | $1,000,000 | $84,000 | $3,000,000 |
| Not applicable | 76 | $46,809,000 | $615,000 | $13,725,000 | $0 | $0 |
| Black or African American | 18 | $3,439,000 | $191,000 | $1,400,000 | $88,000 | $230,000 |
| Hispanic | 13 | $1,058,000 | $81,000 | $212,000 | $112,000 | $370,000 |
| Asian | 10 | $1,906,000 | $190,000 | $587,000 | $173,000 | $538,000 |
| American Indian or Alaskan Native | 5 | $1,731,000 | $346,000 | $1,200,000 | $339,000 | $741,000 |
| 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) | 3,596 | $351,614,000 | $97,000 | $13,725,000 | $89,000 | $3,000,000 |
| FHA-insured (Federal Housing Administration) | 2 | $164,000 | $82,000 | $90,000 | $27,000 | $29,000 |
| 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 | 2,322 | $248,518,000 | $107,000 | $13,725,000 | $89,000 | $2,087,000 |
| Application Denied By Financial Institution | 537 | $32,931,000 | $61,000 | $1,040,000 | $57,000 | $600,000 |
| Application Withdrawn By Applicant | 304 | $38,178,000 | $125,000 | $1,760,000 | $121,000 | $2,883,000 |
| File Closed For Incompleteness | 249 | $21,825,000 | $87,000 | $1,200,000 | $114,000 | $3,000,000 |
| Application Approved But Not Accepted | 186 | $10,326,000 | $55,000 | $325,000 | $89,000 | $983,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 | 246 | $8,275,000 | $33,000 | $206,000 | $50,000 | $263,000 |
| Other | 108 | $12,252,000 | $113,000 | $415,000 | $65,000 | $199,000 |
| Debt-To-Income Ratio | 83 | $5,021,000 | $60,000 | $379,000 | $45,000 | $135,000 |
| Collateral | 77 | $6,517,000 | $84,000 | $1,040,000 | $84,000 | $600,000 |
| Employment History | 22 | $751,000 | $34,000 | $150,000 | $43,000 | $80,000 |
| Credit Application Incomplete | 1 | $115,000 | $115,000 | $115,000 | $43,000 | $43,000 |
| Unverifiable Information | 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 2010 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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