S&T Bank Mortgage Lending & HMDA Data, 2016
In 2016, S&T Bank of Indiana, PA reported 2,582 mortgage applications totaling $480.7 million, down 12% from 2015. The average application was for $186,187, and applicants reported an average income of $76,374. 71% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Pittsburgh, PA (1,015), Harrisburg-Carlisle, PA (336) and Johnstown, PA (128) (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 | 2,582 |
| Total Mortgage Loan Application Amount | $480,736,000 |
| Average Mortgage Loan Application Amount | $186,187 |
| Highest Mortgage Loan Application Amount | $26,497,000 |
| Average Applicant Income | $76,374 |
| Highest Applicant Income | $2,107,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,015 | $ 171,508,000 | $ 168,973 | $ 63,000 |
| Harrisburg-Carlisle, PA | 336 | $ 72,161,000 | $ 214,764 | $ 104,000 |
| Johnstown, PA | 128 | $ 9,814,000 | $ 76,671 | $ 57,000 |
| Lancaster, PA | 98 | $ 19,753,000 | $ 201,561 | $ 135,000 |
| York-Hanover, PA | 70 | $ 15,131,000 | $ 216,157 | $ 105,000 |
| Altoona, PA | 63 | $ 8,788,000 | $ 139,492 | $ 53,000 |
| State College, PA | 31 | $ 16,123,000 | $ 520,096 | $ 143,000 |
| Cleveland-Elyria, OH | 23 | $ 4,600,000 | $ 200,000 | $ 24,000 |
| Rochester, NY | 19 | $ 25,067,000 | $ 1,319,315 | $ 19,000 |
| Youngstown-Warren-Boardman, OH-PA | 17 | $ 1,424,000 | $ 83,764 | $ 82,941 |
| Columbus, OH | 15 | $ 28,413,000 | $ 1,894,200 | $ 20,000 |
| Lebanon, PA | 15 | $ 3,192,000 | $ 212,800 | $ 85,000 |
| Akron, OH | 14 | $ 5,667,000 | $ 404,785 | $ 87,000 |
| Montgomery County-Bucks County-Chester County, PA | 6 | $ 1,047,000 | $ 174,500 | $ 85,000 |
| Erie, PA | 4 | $ 3,320,000 | $ 830,000 | $ 36,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 4 | $ 405,000 | $ 101,250 | $ 142,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 2 | $ 5,122,000 | $ 2,561,000 | $ 0 |
| Canton-Massillon, OH | 2 | $ 226,000 | $ 113,000 | $ 73,000 |
| Dayton, OH | 2 | $ 9,239,000 | $ 4,619,500 | $ 0 |
| Morgantown, WV | 2 | $ 2,812,000 | $ 1,406,000 | $ 123,000 |
| Newark, NJ-PA | 2 | $ 1,633,000 | $ 816,500 | $ 1,250,000 |
| Philadelphia, PA | 2 | $ 336,000 | $ 168,000 | $ 0 |
| Reading, PA | 2 | $ 356,000 | $ 178,000 | $ 154,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 1,980,000 | $ 990,000 | $ 1,483,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 192,000 | $ 192,000 | $ 160,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 220,000 | $ 220,000 | $ 60,000 |
| Cincinnati, OH-KY-IN | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 280,000 | $ 280,000 | $ 240,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 675,000 | $ 675,000 | $ 0 |
| Greenville, NC | 1 | $ 60,000 | $ 60,000 | $ 188,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 417,000 | $ 417,000 | $ 202,000 |
| Lakeland-Winter Haven, FL | 1 | $ 108,000 | $ 108,000 | $ 55,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 156,000 | $ 156,000 | $ 163,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 58,000 | $ 58,000 | $ 87,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 67,000 | $ 67,000 | $ 145,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 114,000 | $ 114,000 | $ 99,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 154,000 | $ 154,000 | $ 328,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 320,000 | $ 320,000 | $ 710,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 850,000 | $ 850,000 | $ 399,000 |
| Raleigh, NC | 1 | $ 568,000 | $ 568,000 | $ 765,000 |
| San Diego-Carlsbad, CA | 1 | $ 20,000 | $ 20,000 | $ 180,000 |
| Silver Spring-Frederick-Rockville, MD | 1 | $ 271,000 | $ 271,000 | $ 129,000 |
| Springfield, OH | 1 | $ 2,104,000 | $ 2,104,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 200,000 | $ 200,000 | $ 338,000 |
| Wilmington, DE-MD-NJ | 1 | $ 276,000 | $ 276,000 | $ 219,000 |
Mortgage Loan Application Detail Totals for S&T Bank in 2016
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 | 1,388 | $308,916,000 | $222,000 | $26,497,000 | $78,000 | $2,107,000 |
| Refinancing | 712 | $145,818,000 | $204,000 | $5,300,000 | $87,000 | $1,594,000 |
| Home Improvement | 482 | $26,002,000 | $53,000 | $4,900,000 | $56,000 | $1,250,000 |
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 | 1,747 | $253,093,000 | $144,000 | $1,615,000 | $92,000 | $2,107,000 |
| Not applicable | 367 | $175,524,000 | $478,000 | $26,497,000 | $0 | $0 |
| Not Provided | 331 | $25,631,000 | $77,000 | $792,000 | $65,000 | $436,000 |
| Asian | 85 | $19,693,000 | $231,000 | $918,000 | $135,000 | $710,000 |
| Black or African American | 28 | $2,934,000 | $104,000 | $311,000 | $73,000 | $215,000 |
| Hispanic | 23 | $3,858,000 | $167,000 | $650,000 | $86,000 | $349,000 |
| American Indian or Alaskan Native | 1 | $3,000 | $3,000 | $3,000 | $27,000 | $27,000 |
| Native Hawaiin 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) | 2,567 | $478,024,000 | $186,000 | $26,497,000 | $76,000 | $2,107,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,756,000 | $195,000 | $417,000 | $90,000 | $221,000 |
| FHA-insured (Federal Housing Administration) | 6 | $956,000 | $159,000 | $263,000 | $86,000 | $144,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,827 | $363,682,000 | $199,000 | $26,497,000 | $83,000 | $2,107,000 |
| Application Denied By Financial Institution | 232 | $28,261,000 | $121,000 | $1,519,000 | $44,000 | $710,000 |
| Application Withdrawn By Applicant | 181 | $42,345,000 | $233,000 | $5,200,000 | $83,000 | $414,000 |
| File Closed For Incompleteness | 127 | $23,516,000 | $185,000 | $1,118,000 | $81,000 | $343,000 |
| Application Approved But Not Accepted | 118 | $14,141,000 | $119,000 | $772,000 | $61,000 | $388,000 |
| Preapproval Denied by Financial Institution | 97 | $8,791,000 | $90,000 | $359,000 | $42,000 | $331,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 2016 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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