S&T Bank Mortgage Lending & HMDA Data, 2019
In 2019, S&T Bank of Indiana, PA reported 5,944 mortgage applications totaling $1.0 billion, up 34% from 2018. The average application was for $172,288, and applicants reported an average income of $114,610. 64% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Pittsburgh, PA (2,491), Harrisburg-Carlisle, PA (502) and Johnstown, PA (218) (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 | 5,944 |
| Total Mortgage Loan Application Amount | $1,024,080,000 |
| Average Mortgage Loan Application Amount | $172,288 |
| Highest Mortgage Loan Application Amount | $36,195,000 |
| Average Applicant Income | $114,610 |
| Highest Applicant Income | $4,200,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,491 | $ 318,115,000 | $ 127,705 | $ 110,000 |
| Outside any metro area | 1,393 | $ 140,975,000 | $ 101,202 | $ 93,866 |
| Harrisburg-Carlisle, PA | 502 | $ 142,290,000 | $ 283,446 | $ 145,000 |
| Johnstown, PA | 218 | $ 14,440,000 | $ 66,238 | $ 78,000 |
| Lancaster, PA | 185 | $ 82,585,000 | $ 446,405 | $ 211,000 |
| Altoona, PA | 106 | $ 13,410,000 | $ 126,509 | $ 111,000 |
| York-Hanover, PA | 98 | $ 21,680,000 | $ 221,224 | $ 156,000 |
| Akron, OH | 89 | $ 12,145,000 | $ 136,460 | $ 114,000 |
| Cleveland-Elyria, OH | 51 | $ 15,325,000 | $ 300,490 | $ 170,000 |
| Columbus, OH | 43 | $ 17,455,000 | $ 405,930 | $ 178,000 |
| Reading, PA | 30 | $ 7,730,000 | $ 257,666 | $ 191,000 |
| Lebanon, PA | 20 | $ 3,860,000 | $ 193,000 | $ 159,000 |
| Montgomery County-Bucks County-Chester County, PA | 20 | $ 4,350,000 | $ 217,500 | $ 207,000 |
| Youngstown-Warren-Boardman, OH-PA | 15 | $ 1,425,000 | $ 95,000 | $ 138,200 |
| Rochester, NY | 12 | $ 5,410,000 | $ 450,833 | $ 29,000 |
| Philadelphia, PA | 11 | $ 2,305,000 | $ 209,545 | $ 563,000 |
| Canton-Massillon, OH | 10 | $ 1,460,000 | $ 146,000 | $ 92,000 |
| State College, PA | 8 | $ 1,850,000 | $ 231,250 | $ 155,000 |
| North Port-Sarasota-Bradenton, FL | 7 | $ 1,785,000 | $ 255,000 | $ 155,000 |
| Baltimore-Columbia-Towson, MD | 6 | $ 2,090,000 | $ 348,333 | $ 229,000 |
| Chambersburg-Waynesboro, PA | 6 | $ 2,980,000 | $ 496,666 | $ 121,000 |
| New York-Newark, NY | 5 | $ 2,735,000 | $ 547,000 | $ 676,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 4 | $ 25,140,000 | $ 6,285,000 | $ 680,000 |
| Camden, NJ | 4 | $ 2,110,000 | $ 527,500 | $ 215,000 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 910,000 | $ 227,500 | $ 165,000 |
| Salisbury, MD-DE | 4 | $ 2,660,000 | $ 665,000 | $ 242,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 4 | $ 400,000 | $ 100,000 | $ 125,000 |
| Erie, PA | 3 | $ 365,000 | $ 121,666 | $ 0 |
| Gettysburg, PA | 3 | $ 445,000 | $ 148,333 | $ 166,000 |
| Washington-Baltimore-Arlington, DC | 3 | $ 1,095,000 | $ 365,000 | $ 178,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 690,000 | $ 345,000 | $ 777,000 |
| Bloomsburg-Berwick, PA | 2 | $ 370,000 | $ 185,000 | $ 126,000 |
| Cincinnati, OH-KY-IN | 2 | $ 410,000 | $ 205,000 | $ 0 |
| Dallas-Plano-Irving, TX | 2 | $ 890,000 | $ 445,000 | $ 999,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 530,000 | $ 265,000 | $ 107,000 |
| East Stroudsburg, PA | 2 | $ 440,000 | $ 220,000 | $ 598,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 1,090,000 | $ 545,000 | $ 791,000 |
| Ithaca, NY | 2 | $ 23,110,000 | $ 11,555,000 | $ 54,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 640,000 | $ 320,000 | $ 343,000 |
| Nassau County-Suffolk County, NY | 2 | $ 1,050,000 | $ 525,000 | $ 0 |
| Ocean City, NJ | 2 | $ 1,430,000 | $ 715,000 | $ 219,000 |
| Providence-Warwick, RI-MA | 2 | $ 21,760,000 | $ 10,880,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 930,000 | $ 465,000 | $ 523,000 |
| Toledo, OH | 2 | $ 10,230,000 | $ 5,115,000 | $ 156,000 |
| Williamsport, PA | 2 | $ 430,000 | $ 215,000 | $ 321,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 55,000 | $ 55,000 | $ 73,000 |
| Bowling Green, KY | 1 | $ 15,000 | $ 15,000 | $ 10,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 305,000 | $ 305,000 | $ 291,000 |
| Charleston-North Charleston, SC | 1 | $ 295,000 | $ 295,000 | $ 120,000 |
| Chattanooga, TN-GA | 1 | $ 565,000 | $ 565,000 | $ 0 |
| Columbia, SC | 1 | $ 95,000 | $ 95,000 | $ 89,000 |
| Cumberland, MD-WV | 1 | $ 165,000 | $ 165,000 | $ 148,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 245,000 | $ 245,000 | $ 33,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 55,000 | $ 55,000 | $ 145,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 1,555,000 | $ 1,555,000 | $ 490,000 |
| Jacksonville, FL | 1 | $ 595,000 | $ 595,000 | $ 136,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 275,000 | $ 275,000 | $ 80,000 |
| Morgantown, WV | 1 | $ 5,525,000 | $ 5,525,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 55,000 | $ 55,000 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 325,000 | $ 325,000 | $ 253,000 |
| Newark, NJ-PA | 1 | $ 925,000 | $ 925,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 45,000 | $ 45,000 | $ 127,000 |
| San Diego-Carlsbad, CA | 1 | $ 1,365,000 | $ 1,365,000 | $ 432,000 |
| Santa Fe, NM | 1 | $ 365,000 | $ 365,000 | $ 239,000 |
| Spartanburg, SC | 1 | $ 55,000 | $ 55,000 | $ 47,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 205,000 | $ 205,000 | $ 112,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 245,000 | $ 245,000 | $ 62,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 375,000 | $ 375,000 | $ 558,000 |
| Wilmington, DE-MD-NJ | 1 | $ 265,000 | $ 265,000 | $ 102,000 |
| Wilmington, NC | 1 | $ 225,000 | $ 225,000 | $ 427,000 |
| Winston-Salem, NC | 1 | $ 515,000 | $ 515,000 | $ 159,000 |
Mortgage Loan Application Detail Totals for S&T Bank in 2019
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 | 2,148 | $494,040,000 | $230,000 | $23,005,000 | $118,000 | $3,970,000 |
| Refinancing | 1,681 | $334,855,000 | $199,000 | $36,195,000 | $112,000 | $1,200,000 |
| Home Improvement | 1,027 | $67,665,000 | $65,000 | $1,205,000 | $109,000 | $4,200,000 |
| Other Purpose | 680 | $50,570,000 | $74,000 | $1,755,000 | $106,000 | $1,635,000 |
| Cash-out Refinancing | 408 | $76,950,000 | $188,000 | $1,875,000 | $136,000 | $1,070,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 3,430 | $503,660,000 | $146,000 | $3,305,000 | $109,000 | $3,684,000 |
| Not Provided | 1,905 | $186,755,000 | $98,000 | $1,855,000 | $121,000 | $4,200,000 |
| Not applicable | 445 | $302,705,000 | $680,000 | $36,195,000 | $0 | $0 |
| Asian | 70 | $14,520,000 | $207,000 | $585,000 | $208,000 | $1,200,000 |
| Black or African American | 51 | $7,395,000 | $145,000 | $335,000 | $79,000 | $345,000 |
| Hispanic | 33 | $6,685,000 | $202,000 | $1,875,000 | $116,000 | $665,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $230,000 | $115,000 | $135,000 | $81,000 | $122,000 |
| American Indian or Alaskan Native | 1 | $15,000 | $15,000 | $15,000 | $38,000 | $38,000 |
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) | 5,920 | $1,021,120,000 | $172,000 | $36,195,000 | $115,000 | $4,200,000 |
| FHA-insured (Federal Housing Administration) | 21 | $2,605,000 | $124,000 | $285,000 | $65,000 | $180,000 |
| VA-guaranteed (Veterans Administration) | 3 | $355,000 | $118,000 | $155,000 | $37,000 | $71,000 |
| 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 | 3,806 | $696,580,000 | $183,000 | $36,195,000 | $119,000 | $3,684,000 |
| Application Denied By Financial Institution | 809 | $90,285,000 | $111,000 | $1,875,000 | $81,000 | $936,000 |
| Application Withdrawn By Applicant | 460 | $92,670,000 | $201,000 | $2,205,000 | $155,000 | $3,970,000 |
| Preapproval Approved but not Accepted | 432 | $80,370,000 | $186,000 | $1,905,000 | $90,000 | $775,000 |
| Application Approved But Not Accepted | 284 | $33,490,000 | $117,000 | $1,505,000 | $144,000 | $4,200,000 |
| Preapproval Denied by Financial Institution | 99 | $15,105,000 | $152,000 | $965,000 | $56,000 | $310,000 |
| File Closed For Incompleteness | 53 | $15,505,000 | $292,000 | $3,305,000 | $93,000 | $300,000 |
| Loan Purchased By The Institution | 1 | $75,000 | $75,000 | $75,000 | $39,000 | $39,000 |
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 | 5,036 | $918,690,000 | $182,000 | $36,195,000 | $121,000 | $4,200,000 |
| Credit History | 446 | $35,130,000 | $78,000 | $905,000 | $76,000 | $936,000 |
| Collateral | 225 | $18,745,000 | $83,000 | $1,875,000 | $91,000 | $692,000 |
| Debt-To-Income Ratio | 212 | $46,020,000 | $217,000 | $1,505,000 | $59,000 | $431,000 |
| Unverifiable Information | 10 | $2,870,000 | $287,000 | $905,000 | $202,000 | $679,000 |
| Employment History | 8 | $370,000 | $46,000 | $75,000 | $37,000 | $88,000 |
| Other | 7 | $2,255,000 | $322,000 | $1,265,000 | $105,000 | $138,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S&T Bank's 2019 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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