S&T Bank Mortgage Lending & HMDA Data, 2014
In 2014, S&T Bank of Indiana, PA reported 2,105 mortgage applications totaling $309.2 million, down 35% from 2013. The average application was for $146,911, and applicants reported an average income of $70,684. 64% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Pittsburgh, PA (1,053), Johnstown, PA (110) and Altoona, PA (54) (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 | 2,105 |
| Total Mortgage Loan Application Amount | $309,249,000 |
| Average Mortgage Loan Application Amount | $146,911 |
| Highest Mortgage Loan Application Amount | $18,944,000 |
| Average Applicant Income | $70,684 |
| Highest Applicant Income | $2,711,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,053 | $ 148,689,000 | $ 141,205 | $ 73,000 |
| Johnstown, PA | 110 | $ 8,722,000 | $ 79,290 | $ 52,000 |
| Altoona, PA | 54 | $ 6,139,000 | $ 113,685 | $ 120,000 |
| Erie, PA | 15 | $ 2,673,000 | $ 178,200 | $ 33,000 |
| Akron, OH | 14 | $ 3,840,000 | $ 274,285 | $ 35,000 |
| State College, PA | 13 | $ 2,878,000 | $ 221,384 | $ 83,000 |
| Canton-Massillon, OH | 7 | $ 3,354,000 | $ 479,142 | $ 121,000 |
| Columbus, OH | 7 | $ 18,254,000 | $ 2,607,714 | $ 29,000 |
| Cleveland-Elyria, OH | 4 | $ 10,660,000 | $ 2,665,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 908,000 | $ 227,000 | $ 179,000 |
| Harrisburg-Carlisle, PA | 3 | $ 275,000 | $ 91,666 | $ 47,000 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 431,000 | $ 143,666 | $ 60,666 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 2 | $ 19,288,000 | $ 9,644,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 321,000 | $ 160,500 | $ 104,000 |
| Newark, NJ-PA | 2 | $ 2,730,000 | $ 1,365,000 | $ 915,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 812,000 | $ 406,000 | $ 570,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 216,000 | $ 216,000 | $ 483,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 208,000 | $ 208,000 | $ 123,000 |
| Jacksonville, NC | 1 | $ 800,000 | $ 800,000 | $ 20,000 |
| Lakeland-Winter Haven, FL | 1 | $ 126,000 | $ 126,000 | $ 70,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 600,000 | $ 600,000 | $ 85,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 300,000 | $ 300,000 | $ 39,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 80,000 | $ 80,000 | $ 132,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 135,000 | $ 135,000 | $ 90,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 1,365,000 | $ 1,365,000 | $ 85,000 |
| Richmond, VA | 1 | $ 157,000 | $ 157,000 | $ 52,000 |
| Wheeling, WV-OH | 1 | $ 62,000 | $ 62,000 | $ 137,000 |
Mortgage Loan Application Detail Totals for S&T Bank in 2014
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 935 | $167,389,000 | $179,000 | $11,513,000 | $70,000 | $1,798,000 |
| Refinancing | 594 | $106,591,000 | $179,000 | $18,944,000 | $86,000 | $2,711,000 |
| Home Improvement | 576 | $35,269,000 | $61,000 | $8,600,000 | $56,000 | $1,093,000 |
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 | 1,399 | $153,271,000 | $109,000 | $1,500,000 | $82,000 | $2,711,000 |
| Not Provided | 430 | $29,229,000 | $67,000 | $2,100,000 | $69,000 | $867,000 |
| Not applicable | 237 | $116,795,000 | $492,000 | $18,944,000 | $0 | $0 |
| Black or African American | 13 | $3,035,000 | $233,000 | $2,080,000 | $174,000 | $1,381,000 |
| Asian | 12 | $4,971,000 | $414,000 | $1,192,000 | $189,000 | $510,000 |
| Hispanic | 11 | $1,865,000 | $169,000 | $533,000 | $107,000 | $602,000 |
| American Indian or Alaskan Native | 3 | $83,000 | $27,000 | $72,000 | $30,000 | $41,000 |
| 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) | 2,105 | $309,249,000 | $146,000 | $18,944,000 | $71,000 | $2,711,000 |
| 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 | 1,346 | $218,907,000 | $162,000 | $18,944,000 | $74,000 | $2,711,000 |
| Application Denied By Financial Institution | 378 | $39,962,000 | $105,000 | $2,100,000 | $61,000 | $1,195,000 |
| Application Approved But Not Accepted | 163 | $19,590,000 | $120,000 | $2,080,000 | $77,000 | $1,381,000 |
| Application Withdrawn By Applicant | 89 | $15,050,000 | $169,000 | $1,400,000 | $64,000 | $326,000 |
| Preapproval Denied by Financial Institution | 72 | $6,532,000 | $90,000 | $407,000 | $40,000 | $108,000 |
| File Closed For Incompleteness | 55 | $9,019,000 | $163,000 | $1,192,000 | $98,000 | $510,000 |
| Loan Purchased By The Institution | 2 | $189,000 | $94,000 | $96,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S&T Bank's 2014 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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