S&T Bank Mortgage Lending & HMDA Data, 2018
In 2018, S&T Bank of Indiana, PA reported 4,421 mortgage applications totaling $737.4 million, up 90% from 2017. The average application was for $166,791, and applicants reported an average income of $107,214. 61% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Pittsburgh, PA (1,904), Harrisburg-Carlisle, PA (352) and Johnstown, PA (163) (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 | 4,421 |
| Total Mortgage Loan Application Amount | $737,385,000 |
| Average Mortgage Loan Application Amount | $166,791 |
| Highest Mortgage Loan Application Amount | $22,065,000 |
| Average Applicant Income | $107,214 |
| Highest Applicant Income | $7,767,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,904 | $ 233,510,000 | $ 122,641 | $ 104,000 |
| Outside any metro area | 940 | $ 85,890,000 | $ 91,372 | $ 85,195 |
| Harrisburg-Carlisle, PA | 352 | $ 74,240,000 | $ 210,909 | $ 137,000 |
| Johnstown, PA | 163 | $ 13,085,000 | $ 80,276 | $ 77,000 |
| Lancaster, PA | 136 | $ 31,610,000 | $ 232,426 | $ 155,000 |
| Altoona, PA | 104 | $ 9,790,000 | $ 94,134 | $ 102,000 |
| York-Hanover, PA | 71 | $ 10,855,000 | $ 152,887 | $ 113,000 |
| Akron, OH | 62 | $ 9,610,000 | $ 155,000 | $ 132,000 |
| Columbus, OH | 24 | $ 64,170,000 | $ 2,673,750 | $ 49,000 |
| Lebanon, PA | 18 | $ 3,250,000 | $ 180,555 | $ 102,000 |
| Rochester, NY | 18 | $ 10,650,000 | $ 591,666 | $ 44,000 |
| Cleveland-Elyria, OH | 16 | $ 19,020,000 | $ 1,188,750 | $ 126,000 |
| Youngstown-Warren-Boardman, OH-PA | 14 | $ 2,610,000 | $ 186,428 | $ 206,142 |
| Montgomery County-Bucks County-Chester County, PA | 9 | $ 3,025,000 | $ 336,111 | $ 217,000 |
| Philadelphia, PA | 6 | $ 1,800,000 | $ 300,000 | $ 229,000 |
| Reading, PA | 6 | $ 740,000 | $ 123,333 | $ 172,000 |
| Erie, PA | 5 | $ 1,095,000 | $ 219,000 | $ 176,000 |
| Gettysburg, PA | 5 | $ 1,495,000 | $ 299,000 | $ 198,000 |
| Morgantown, WV | 4 | $ 7,480,000 | $ 1,870,000 | $ 90,000 |
| Salisbury, MD-DE | 4 | $ 1,040,000 | $ 260,000 | $ 217,000 |
| State College, PA | 3 | $ 1,115,000 | $ 371,666 | $ 245,000 |
| Canton-Massillon, OH | 2 | $ 230,000 | $ 115,000 | $ 114,000 |
| Cincinnati, OH-KY-IN | 2 | $ 700,000 | $ 350,000 | $ 57,000 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 80,000 | $ 40,000 | $ 42,000 |
| Ithaca, NY | 2 | $ 10,120,000 | $ 5,060,000 | $ 75,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 960,000 | $ 480,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 240,000 | $ 120,000 | $ 74,000 |
| Ocean City, NJ | 2 | $ 1,820,000 | $ 910,000 | $ 7,767,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 780,000 | $ 390,000 | $ 195,000 |
| Portland-South Portland, ME | 2 | $ 400,000 | $ 200,000 | $ 680,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 650,000 | $ 325,000 | $ 131,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 590,000 | $ 295,000 | $ 423,000 |
| Wheeling, WV-OH | 2 | $ 90,000 | $ 45,000 | $ 62,000 |
| Wilmington, DE-MD-NJ | 2 | $ 1,150,000 | $ 575,000 | $ 92,000 |
| Albuquerque, NM | 1 | $ 1,235,000 | $ 1,235,000 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 235,000 | $ 235,000 | $ 265,000 |
| Bloomsburg-Berwick, PA | 1 | $ 25,000 | $ 25,000 | $ 200,000 |
| Boston, MA | 1 | $ 405,000 | $ 405,000 | $ 189,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 1 | $ 155,000 | $ 155,000 | $ 39,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 185,000 | $ 185,000 | $ 70,000 |
| Charleston-North Charleston, SC | 1 | $ 615,000 | $ 615,000 | $ 388,000 |
| Chattanooga, TN-GA | 1 | $ 225,000 | $ 225,000 | $ 199,000 |
| Colorado Springs, CO | 1 | $ 195,000 | $ 195,000 | $ 91,000 |
| Dallas-Plano-Irving, TX | 1 | $ 365,000 | $ 365,000 | $ 725,000 |
| Dayton, OH | 1 | $ 9,495,000 | $ 9,495,000 | $ 0 |
| Dutchess County-Putnam County, NY | 1 | $ 15,005,000 | $ 15,005,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 255,000 | $ 255,000 | $ 436,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 14,805,000 | $ 14,805,000 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 215,000 | $ 215,000 | $ 190,000 |
| Lexington-Fayette, KY | 1 | $ 395,000 | $ 395,000 | $ 155,000 |
| Lynchburg, VA | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 805,000 | $ 805,000 | $ 275,000 |
| Ocala, FL | 1 | $ 75,000 | $ 75,000 | $ 57,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 355,000 | $ 355,000 | $ 302,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 75,000 | $ 75,000 | $ 170,000 |
| Raleigh, NC | 1 | $ 105,000 | $ 105,000 | $ 482,000 |
| Rockingham County-Strafford County, NH | 1 | $ 305,000 | $ 305,000 | $ 882,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 15,000 | $ 15,000 | $ 50,000 |
| Silver Spring-Frederick-Rockville, MD | 1 | $ 1,475,000 | $ 1,475,000 | $ 0 |
| Syracuse, NY | 1 | $ 165,000 | $ 165,000 | $ 54,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 235,000 | $ 235,000 | $ 0 |
Mortgage Loan Application Detail Totals for S&T Bank in 2018
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 | 1,802 | $419,970,000 | $233,000 | $22,065,000 | $110,000 | $7,767,000 |
| Refinancing | 904 | $168,080,000 | $185,000 | $15,005,000 | $105,000 | $882,000 |
| Home Improvement | 710 | $42,470,000 | $59,000 | $755,000 | $95,000 | $783,000 |
| Other Purpose | 520 | $39,720,000 | $76,000 | $795,000 | $109,000 | $1,116,000 |
| Cash-out Refinancing | 483 | $66,735,000 | $138,000 | $2,305,000 | $117,000 | $1,428,000 |
| Not Applicable | 2 | $410,000 | $205,000 | $385,000 | $0 | $0 |
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 | 2,654 | $347,240,000 | $130,000 | $1,365,000 | $105,000 | $7,767,000 |
| Not Provided | 1,211 | $115,115,000 | $95,000 | $2,305,000 | $111,000 | $1,428,000 |
| Not applicable | 416 | $252,610,000 | $607,000 | $22,065,000 | $421,000 | $421,000 |
| Asian | 83 | $15,435,000 | $185,000 | $605,000 | $132,000 | $673,000 |
| Black or African American | 37 | $4,465,000 | $120,000 | $765,000 | $68,000 | $250,000 |
| Hispanic | 17 | $2,065,000 | $121,000 | $405,000 | $103,000 | $260,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 4,412 | $736,040,000 | $166,000 | $22,065,000 | $107,000 | $7,767,000 |
| FHA-insured (Federal Housing Administration) | 8 | $1,010,000 | $126,000 | $195,000 | $57,000 | $149,000 |
| VA-guaranteed (Veterans Administration) | 1 | $335,000 | $335,000 | $335,000 | $120,000 | $120,000 |
| 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 | 2,685 | $465,825,000 | $173,000 | $17,105,000 | $121,000 | $7,767,000 |
| Application Denied By Financial Institution | 595 | $63,495,000 | $106,000 | $4,565,000 | $75,000 | $518,000 |
| Preapproval Approved but not Accepted | 438 | $77,760,000 | $177,000 | $845,000 | $87,000 | $430,000 |
| Application Withdrawn By Applicant | 343 | $84,285,000 | $245,000 | $22,065,000 | $99,000 | $1,079,000 |
| Application Approved But Not Accepted | 253 | $26,615,000 | $105,000 | $1,415,000 | $105,000 | $583,000 |
| Preapproval Denied by Financial Institution | 65 | $7,955,000 | $122,000 | $565,000 | $54,000 | $266,000 |
| File Closed For Incompleteness | 40 | $11,040,000 | $276,000 | $3,755,000 | $71,000 | $216,000 |
| Loan Purchased By The Institution | 2 | $410,000 | $205,000 | $385,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,761 | $665,935,000 | $177,000 | $22,065,000 | $113,000 | $7,767,000 |
| Credit History | 343 | $22,475,000 | $65,000 | $555,000 | $65,000 | $305,000 |
| Debt-To-Income Ratio | 159 | $30,235,000 | $190,000 | $1,505,000 | $58,000 | $233,000 |
| Collateral | 134 | $10,360,000 | $77,000 | $605,000 | $99,000 | $518,000 |
| Unverifiable Information | 7 | $1,895,000 | $270,000 | $605,000 | $144,000 | $450,000 |
| Other | 6 | $5,360,000 | $893,000 | $4,565,000 | $107,000 | $180,000 |
| Credit Application Incomplete | 5 | $335,000 | $67,000 | $125,000 | $162,000 | $300,000 |
| Employment History | 4 | $590,000 | $147,000 | $235,000 | $53,000 | $74,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $200,000 | $100,000 | $155,000 | $46,000 | $68,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S&T Bank's 2018 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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