S&T Bank Mortgage Lending & HMDA Data, 2012
In 2012, S&T Bank of Indiana, PA reported 3,997 mortgage applications totaling $415.3 million, up 25% from 2011. The average application was for $103,910, and applicants reported an average income of $82,771. 64% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Pittsburgh, PA (2,100), Johnstown, PA (177) and Altoona, PA (97) (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 | 3,997 |
| Total Mortgage Loan Application Amount | $415,329,000 |
| Average Mortgage Loan Application Amount | $103,910 |
| Highest Mortgage Loan Application Amount | $4,000,000 |
| Average Applicant Income | $82,771 |
| Highest Applicant Income | $2,783,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,100 | $ 230,783,000 | $ 109,896 | $ 89,000 |
| Johnstown, PA | 177 | $ 15,017,000 | $ 84,841 | $ 70,000 |
| Altoona, PA | 97 | $ 10,498,000 | $ 108,226 | $ 97,000 |
| Akron, OH | 5 | $ 5,702,000 | $ 1,140,400 | $ 0 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 5 | $ 663,000 | $ 132,600 | $ 205,000 |
| State College, PA | 4 | $ 639,000 | $ 159,750 | $ 100,000 |
| Youngstown-Warren-Boardman, OH-PA | 4 | $ 537,000 | $ 134,250 | $ 15,000 |
| Cleveland-Elyria-Mentor, OH | 3 | $ 6,300,000 | $ 2,100,000 | $ 0 |
| Erie, PA | 3 | $ 614,000 | $ 204,666 | $ 150,000 |
| Lynchburg, VA | 2 | $ 110,000 | $ 55,000 | $ 377,000 |
| Phoenix-Mesa-Glendale, AZ | 2 | $ 610,000 | $ 305,000 | $ 384,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 551,000 | $ 275,500 | $ 339,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 431,000 | $ 431,000 | $ 0 |
| Baltimore-Towson, MD | 1 | $ 80,000 | $ 80,000 | $ 283,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 417,000 | $ 417,000 | $ 145,000 |
| Brunswick, GA | 1 | $ 535,000 | $ 535,000 | $ 497,000 |
| Canton-Massillon, OH | 1 | $ 1,400,000 | $ 1,400,000 | $ 0 |
| Cedar Rapids, IA | 1 | $ 210,000 | $ 210,000 | $ 275,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 50,000 | $ 50,000 | $ 101,000 |
| Lancaster, PA | 1 | $ 252,000 | $ 252,000 | $ 65,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 119,000 | $ 119,000 | $ 89,000 |
| Palm Coast, FL | 1 | $ 300,000 | $ 300,000 | $ 92,000 |
| Philadelphia, PA | 1 | $ 10,000 | $ 10,000 | $ 32,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 656,000 | $ 656,000 | $ 194,000 |
| Sebastian-Vero Beach, FL | 1 | $ 198,000 | $ 198,000 | $ 468,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 148,000 | $ 148,000 | $ 132,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 171,000 | $ 171,000 | $ 111,000 |
| Wilmington, DE-MD-NJ | 1 | $ 175,000 | $ 175,000 | $ 51,000 |
| Wilmington, NC | 1 | $ 259,000 | $ 259,000 | $ 153,000 |
Mortgage Loan Application Detail Totals for S&T Bank in 2012
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 | 1,966 | $262,011,000 | $133,000 | $4,000,000 | $91,000 | $2,783,000 |
| Home Improvement | 1,124 | $37,716,000 | $33,000 | $1,900,000 | $69,000 | $1,577,000 |
| Home Purchase | 907 | $115,602,000 | $127,000 | $1,508,000 | $82,000 | $1,120,000 |
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 | 3,316 | $334,880,000 | $100,000 | $2,110,000 | $85,000 | $2,783,000 |
| Not Provided | 494 | $36,256,000 | $73,000 | $2,038,000 | $79,000 | $1,368,000 |
| Not applicable | 103 | $32,404,000 | $314,000 | $4,000,000 | $0 | $0 |
| Hispanic | 29 | $4,520,000 | $155,000 | $772,000 | $182,000 | $800,000 |
| Asian | 25 | $4,071,000 | $162,000 | $790,000 | $145,000 | $637,000 |
| Black or African American | 21 | $2,376,000 | $113,000 | $650,000 | $86,000 | $392,000 |
| American Indian or Alaskan Native | 8 | $678,000 | $84,000 | $207,000 | $65,000 | $89,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $144,000 | $144,000 | $144,000 | $89,000 | $89,000 |
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) | 3,997 | $415,329,000 | $103,000 | $4,000,000 | $83,000 | $2,783,000 |
| 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 | 2,550 | $275,803,000 | $108,000 | $2,433,000 | $88,000 | $2,783,000 |
| Application Denied By Financial Institution | 768 | $58,282,000 | $75,000 | $4,000,000 | $60,000 | $743,000 |
| Application Withdrawn By Applicant | 265 | $35,288,000 | $133,000 | $2,038,000 | $92,000 | $1,368,000 |
| Application Approved But Not Accepted | 187 | $16,379,000 | $87,000 | $1,900,000 | $96,000 | $1,577,000 |
| File Closed For Incompleteness | 127 | $17,378,000 | $136,000 | $905,000 | $95,000 | $710,000 |
| Preapproval Approved but not Accepted | 79 | $10,165,000 | $128,000 | $417,000 | $76,000 | $600,000 |
| Preapproval Denied by Financial Institution | 21 | $2,034,000 | $96,000 | $580,000 | $47,000 | $250,000 |
| 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 | 363 | $18,018,000 | $49,000 | $4,000,000 | $50,000 | $250,000 |
| Debt-To-Income Ratio | 150 | $14,870,000 | $99,000 | $1,400,000 | $48,000 | $373,000 |
| Collateral | 131 | $12,194,000 | $93,000 | $390,000 | $82,000 | $743,000 |
| Other | 89 | $9,778,000 | $109,000 | $1,400,000 | $80,000 | $687,000 |
| Employment History | 20 | $1,531,000 | $76,000 | $400,000 | $44,000 | $138,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $573,000 | $95,000 | $152,000 | $62,000 | $102,000 |
| Unverifiable Information | 6 | $783,000 | $130,000 | $313,000 | $57,000 | $145,000 |
| Mortgage Insurance Denied | 5 | $595,000 | $119,000 | $250,000 | $64,000 | $110,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S&T Bank's 2012 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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