S&T Bank Mortgage Lending & HMDA Data, 2017
In 2017, S&T Bank of Indiana, PA reported 2,331 mortgage applications totaling $400.0 million, down 10% from 2016. The average application was for $171,597, and applicants reported an average income of $87,250. 65% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Pittsburgh, PA (939), Harrisburg-Carlisle, PA (265) and Johnstown, PA (101) (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 | 2,331 |
| Total Mortgage Loan Application Amount | $399,993,000 |
| Average Mortgage Loan Application Amount | $171,597 |
| Highest Mortgage Loan Application Amount | $16,355,000 |
| Average Applicant Income | $87,250 |
| Highest Applicant Income | $14,000,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 939 | $ 116,069,000 | $ 123,609 | $ 68,000 |
| Harrisburg-Carlisle, PA | 265 | $ 59,597,000 | $ 224,894 | $ 109,000 |
| Johnstown, PA | 101 | $ 6,535,000 | $ 64,702 | $ 60,000 |
| Lancaster, PA | 79 | $ 15,785,000 | $ 199,810 | $ 133,000 |
| Altoona, PA | 62 | $ 6,748,000 | $ 108,838 | $ 51,000 |
| York-Hanover, PA | 55 | $ 11,564,000 | $ 210,254 | $ 118,000 |
| Akron, OH | 24 | $ 6,181,000 | $ 257,541 | $ 90,000 |
| Lebanon, PA | 15 | $ 3,674,000 | $ 244,933 | $ 90,000 |
| Youngstown-Warren-Boardman, OH-PA | 15 | $ 1,415,000 | $ 94,333 | $ 12,800 |
| Columbus, OH | 14 | $ 24,185,000 | $ 1,727,500 | $ 63,000 |
| Rochester, NY | 12 | $ 8,645,000 | $ 720,416 | $ 19,000 |
| Reading, PA | 10 | $ 2,491,000 | $ 249,100 | $ 153,000 |
| Cleveland-Elyria, OH | 7 | $ 15,412,000 | $ 2,201,714 | $ 25,000 |
| Montgomery County-Bucks County-Chester County, PA | 6 | $ 3,801,000 | $ 633,500 | $ 73,000 |
| Philadelphia, PA | 6 | $ 775,000 | $ 129,166 | $ 231,000 |
| State College, PA | 5 | $ 1,305,000 | $ 261,000 | $ 303,000 |
| Gettysburg, PA | 4 | $ 837,000 | $ 209,250 | $ 123,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 4 | $ 1,223,000 | $ 305,750 | $ 243,500 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 6,628,000 | $ 1,657,000 | $ 4,191,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 1,554,000 | $ 518,000 | $ 89,000 |
| Baltimore-Columbia-Towson, MD | 3 | $ 783,000 | $ 261,000 | $ 87,000 |
| Chambersburg-Waynesboro, PA | 3 | $ 181,000 | $ 60,333 | $ 39,000 |
| Cincinnati, OH-KY-IN | 3 | $ 821,000 | $ 273,666 | $ 26,000 |
| Erie, PA | 3 | $ 294,000 | $ 98,000 | $ 47,000 |
| Ithaca, NY | 3 | $ 24,626,000 | $ 8,208,666 | $ 0 |
| Salisbury, MD-DE | 3 | $ 849,000 | $ 283,000 | $ 211,666 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 2 | $ 8,069,000 | $ 4,034,500 | $ 0 |
| Canton-Massillon, OH | 2 | $ 73,000 | $ 36,500 | $ 53,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 838,000 | $ 419,000 | $ 414,000 |
| Chattanooga, TN-GA | 2 | $ 1,210,000 | $ 605,000 | $ 40,000 |
| Newark, NJ-PA | 2 | $ 788,000 | $ 394,000 | $ 792,500 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 1,104,000 | $ 552,000 | $ 1,144,000 |
| Ocean City, NJ | 2 | $ 1,814,000 | $ 907,000 | $ 272,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 255,000 | $ 127,500 | $ 77,000 |
| Wheeling, WV-OH | 2 | $ 312,000 | $ 156,000 | $ 86,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 40,000 | $ 40,000 | $ 60,000 |
| Brunswick, GA | 1 | $ 1,386,000 | $ 1,386,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 192,000 | $ 192,000 | $ 55,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 126,000 | $ 126,000 | $ 81,000 |
| Greenville, NC | 1 | $ 56,000 | $ 56,000 | $ 173,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 125,000 | $ 125,000 | $ 114,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 2,830,000 | $ 2,830,000 | $ 1,150,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 392,000 | $ 392,000 | $ 0 |
| Raleigh, NC | 1 | $ 199,000 | $ 199,000 | $ 191,000 |
| San Diego-Carlsbad, CA | 1 | $ 900,000 | $ 900,000 | $ 152,000 |
| Savannah, GA | 1 | $ 468,000 | $ 468,000 | $ 469,000 |
| Sebastian-Vero Beach, FL | 1 | $ 140,000 | $ 140,000 | $ 264,000 |
| Trenton, NJ | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Valdosta, GA | 1 | $ 69,000 | $ 69,000 | $ 18,000 |
| Williamsport, PA | 1 | $ 101,000 | $ 101,000 | $ 43,000 |
| Wilmington, DE-MD-NJ | 1 | $ 191,000 | $ 191,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for S&T Bank in 2017
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 | 1,193 | $231,027,000 | $193,000 | $16,000,000 | $101,000 | $14,000,000 |
| Home Improvement | 595 | $57,984,000 | $97,000 | $16,355,000 | $59,000 | $450,000 |
| Refinancing | 543 | $110,982,000 | $204,000 | $5,400,000 | $88,000 | $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 | 1,565 | $210,700,000 | $134,000 | $2,830,000 | $90,000 | $2,000,000 |
| Not Provided | 332 | $24,787,000 | $74,000 | $800,000 | $89,000 | $1,208,000 |
| Not applicable | 328 | $137,677,000 | $419,000 | $16,355,000 | $0 | $51,000 |
| Asian | 53 | $11,530,000 | $217,000 | $909,000 | $161,000 | $712,000 |
| Black or African American | 27 | $11,222,000 | $415,000 | $2,220,000 | $784,000 | $14,000,000 |
| Hispanic | 25 | $4,007,000 | $160,000 | $400,000 | $118,000 | $1,185,000 |
| American Indian or Alaskan Native | 1 | $70,000 | $70,000 | $70,000 | $52,000 | $52,000 |
| 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) | 2,313 | $397,539,000 | $171,000 | $16,355,000 | $87,000 | $14,000,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,312,000 | $100,000 | $147,000 | $51,000 | $80,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,142,000 | $228,000 | $335,000 | $102,000 | $136,000 |
| 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 | 1,518 | $273,218,000 | $179,000 | $16,355,000 | $84,000 | $1,250,000 |
| Application Denied By Financial Institution | 333 | $32,976,000 | $99,000 | $1,744,000 | $56,000 | $442,000 |
| Application Withdrawn By Applicant | 203 | $51,148,000 | $251,000 | $16,000,000 | $164,000 | $14,000,000 |
| Application Approved But Not Accepted | 115 | $11,816,000 | $102,000 | $500,000 | $59,000 | $579,000 |
| File Closed For Incompleteness | 98 | $23,398,000 | $238,000 | $2,952,000 | $107,000 | $1,250,000 |
| Preapproval Denied by Financial Institution | 62 | $7,114,000 | $114,000 | $350,000 | $86,000 | $2,213,000 |
| Loan Purchased By The Institution | 2 | $323,000 | $161,000 | $174,000 | $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 2017 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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