S&T Bank Mortgage Lending & HMDA Data, 2015
In 2015, S&T Bank of Indiana, PA reported 2,936 mortgage applications totaling $676.7 million, up 39% from 2014. The average application was for $230,486, and applicants reported an average income of $76,263. 69% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Pittsburgh, PA (1,137), Harrisburg-Carlisle, PA (369) and Johnstown, PA (119) (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 | 2,936 |
| Total Mortgage Loan Application Amount | $676,707,000 |
| Average Mortgage Loan Application Amount | $230,486 |
| Highest Mortgage Loan Application Amount | $25,085,000 |
| Average Applicant Income | $76,263 |
| Highest Applicant Income | $2,621,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,137 | $ 195,237,000 | $ 171,712 | $ 71,000 |
| Harrisburg-Carlisle, PA | 369 | $ 101,070,000 | $ 273,902 | $ 106,000 |
| Johnstown, PA | 119 | $ 8,013,000 | $ 67,336 | $ 52,000 |
| Lancaster, PA | 99 | $ 49,006,000 | $ 495,010 | $ 112,000 |
| Altoona, PA | 74 | $ 32,186,000 | $ 434,945 | $ 51,000 |
| York-Hanover, PA | 67 | $ 25,509,000 | $ 380,731 | $ 81,000 |
| Lebanon, PA | 30 | $ 6,191,000 | $ 206,366 | $ 99,000 |
| State College, PA | 28 | $ 6,642,000 | $ 237,214 | $ 111,000 |
| Akron, OH | 20 | $ 21,044,000 | $ 1,052,200 | $ 15,000 |
| Columbus, OH | 16 | $ 43,606,000 | $ 2,725,375 | $ 31,000 |
| Cleveland-Elyria, OH | 14 | $ 3,245,000 | $ 231,785 | $ 15,000 |
| Youngstown-Warren-Boardman, OH-PA | 11 | $ 3,602,000 | $ 327,454 | $ 28,636 |
| Rochester, NY | 8 | $ 23,645,000 | $ 2,955,625 | $ 20,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 7 | $ 30,126,000 | $ 4,303,714 | $ 0 |
| Gettysburg, PA | 6 | $ 1,413,000 | $ 235,500 | $ 86,000 |
| Montgomery County-Bucks County-Chester County, PA | 5 | $ 1,557,000 | $ 311,400 | $ 210,000 |
| Newark, NJ-PA | 5 | $ 3,837,000 | $ 767,400 | $ 1,226,400 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 1,920,000 | $ 480,000 | $ 249,000 |
| Philadelphia, PA | 4 | $ 848,000 | $ 212,000 | $ 123,000 |
| Reading, PA | 4 | $ 1,111,000 | $ 277,750 | $ 156,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 2,209,000 | $ 552,250 | $ 514,000 |
| Canton-Massillon, OH | 3 | $ 884,000 | $ 294,666 | $ 66,000 |
| Punta Gorda, FL | 3 | $ 280,000 | $ 93,333 | $ 51,000 |
| Dayton, OH | 2 | $ 10,601,000 | $ 5,300,500 | $ 0 |
| Erie, PA | 2 | $ 1,942,000 | $ 971,000 | $ 0 |
| Morgantown, WV | 2 | $ 180,000 | $ 90,000 | $ 202,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 380,000 | $ 190,000 | $ 112,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 320,000 | $ 160,000 | $ 140,000 |
| Providence-Warwick, RI-MA | 2 | $ 324,000 | $ 162,000 | $ 66,000 |
| Salisbury, MD-DE | 2 | $ 436,000 | $ 218,000 | $ 472,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 289,000 | $ 289,000 | $ 0 |
| Baltimore-Columbia-Towson, MD | 1 | $ 690,000 | $ 690,000 | $ 0 |
| Barnstable Town, MA | 1 | $ 448,000 | $ 448,000 | $ 338,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 196,000 | $ 196,000 | $ 72,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 272,000 | $ 272,000 | $ 80,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 10,000 | $ 10,000 | $ 300,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 558,000 | $ 558,000 | $ 125,000 |
| Homosassa Springs, FL | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Lakeland-Winter Haven, FL | 1 | $ 228,000 | $ 228,000 | $ 333,000 |
| Ocean City, NJ | 1 | $ 760,000 | $ 760,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 417,000 | $ 417,000 | $ 600,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 915,000 | $ 915,000 | $ 410,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 135,000 | $ 135,000 | $ 81,000 |
| Peoria, IL | 1 | $ 60,000 | $ 60,000 | $ 20,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 148,000 | $ 148,000 | $ 79,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 170,000 | $ 170,000 | $ 145,000 |
| Syracuse, NY | 1 | $ 762,000 | $ 762,000 | $ 78,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 296,000 | $ 296,000 | $ 252,000 |
| Wilmington, DE-MD-NJ | 1 | $ 311,000 | $ 311,000 | $ 150,000 |
Mortgage Loan Application Detail Totals for S&T Bank in 2015
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 | 1,472 | $415,351,000 | $282,000 | $25,085,000 | $79,000 | $1,481,000 |
| Refinancing | 757 | $231,233,000 | $305,000 | $20,000,000 | $88,000 | $2,621,000 |
| Home Improvement | 707 | $30,123,000 | $42,000 | $1,400,000 | $58,000 | $1,740,000 |
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 | 1,954 | $268,085,000 | $137,000 | $2,400,000 | $84,000 | $2,621,000 |
| Not Provided | 483 | $39,286,000 | $81,000 | $1,400,000 | $77,000 | $1,740,000 |
| Not applicable | 347 | $333,591,000 | $961,000 | $25,085,000 | $0 | $0 |
| Asian | 79 | $19,979,000 | $252,000 | $1,300,000 | $111,000 | $507,000 |
| Hispanic | 38 | $6,777,000 | $178,000 | $540,000 | $108,000 | $378,000 |
| Black or African American | 33 | $8,727,000 | $264,000 | $2,000,000 | $276,000 | $1,732,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $212,000 | $212,000 | $212,000 | $56,000 | $56,000 |
| American Indian or Alaskan Native | 1 | $50,000 | $50,000 | $50,000 | $23,000 | $23,000 |
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) | 2,922 | $674,067,000 | $230,000 | $25,085,000 | $76,000 | $2,621,000 |
| FHA-insured (Federal Housing Administration) | 6 | $843,000 | $140,000 | $182,000 | $59,000 | $94,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,488,000 | $248,000 | $447,000 | $98,000 | $152,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $309,000 | $154,000 | $217,000 | $40,000 | $50,000 |
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 | 2,016 | $534,408,000 | $265,000 | $25,085,000 | $79,000 | $2,621,000 |
| Application Denied By Financial Institution | 345 | $39,718,000 | $115,000 | $2,000,000 | $57,000 | $1,732,000 |
| Application Withdrawn By Applicant | 202 | $37,911,000 | $187,000 | $2,090,000 | $94,000 | $1,481,000 |
| Application Approved But Not Accepted | 136 | $27,294,000 | $200,000 | $3,200,000 | $62,000 | $352,000 |
| File Closed For Incompleteness | 121 | $22,105,000 | $182,000 | $827,000 | $97,000 | $500,000 |
| Preapproval Denied by Financial Institution | 115 | $15,169,000 | $131,000 | $401,000 | $53,000 | $172,000 |
| Loan Purchased By The Institution | 1 | $102,000 | $102,000 | $102,000 | $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 2015 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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