S&T Bank Mortgage Lending & HMDA Data, 2021
In 2021, S&T Bank of Indiana, PA reported 6,848 mortgage applications totaling $1.5 billion, up 1% from 2020. The average application was for $218,352, and applicants reported an average income of $125,225. 71% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Pittsburgh, PA (2,754), Harrisburg-Carlisle, PA (535) and Montgomery County-Bucks County-Chester County, PA (412) (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 | 6,848 |
| Total Mortgage Loan Application Amount | $1,495,280,000 |
| Average Mortgage Loan Application Amount | $218,352 |
| Highest Mortgage Loan Application Amount | $31,605,000 |
| Average Applicant Income | $125,225 |
| Highest Applicant Income | $2,664,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,754 | $ 489,670,000 | $ 177,803 | $ 114,000 |
| Outside any metro area | 1,394 | $ 166,020,000 | $ 119,096 | $ 93,911 |
| Harrisburg-Carlisle, PA | 535 | $ 119,205,000 | $ 222,813 | $ 142,000 |
| Montgomery County-Bucks County-Chester County, PA | 412 | $ 92,940,000 | $ 225,582 | $ 147,000 |
| Johnstown, PA | 316 | $ 31,310,000 | $ 99,082 | $ 92,000 |
| Lancaster, PA | 247 | $ 81,905,000 | $ 331,599 | $ 177,000 |
| Philadelphia, PA | 190 | $ 114,830,000 | $ 604,368 | $ 169,000 |
| Altoona, PA | 154 | $ 19,170,000 | $ 124,480 | $ 91,000 |
| Akron, OH | 119 | $ 26,505,000 | $ 222,731 | $ 155,000 |
| York-Hanover, PA | 115 | $ 25,925,000 | $ 225,434 | $ 115,000 |
| Cleveland-Elyria, OH | 72 | $ 19,460,000 | $ 270,277 | $ 151,000 |
| Columbus, OH | 52 | $ 90,920,000 | $ 1,748,461 | $ 314,000 |
| Reading, PA | 38 | $ 11,010,000 | $ 289,736 | $ 230,000 |
| Washington-Baltimore-Arlington, DC | 28 | $ 15,200,000 | $ 542,857 | $ 193,000 |
| Baltimore-Columbia-Towson, MD | 26 | $ 18,900,000 | $ 726,923 | $ 267,000 |
| Lebanon, PA | 26 | $ 20,790,000 | $ 799,615 | $ 134,000 |
| Youngstown-Warren-Boardman, OH-PA | 20 | $ 8,540,000 | $ 427,000 | $ 143,850 |
| New York-Newark, NY | 16 | $ 5,880,000 | $ 367,500 | $ 377,000 |
| Ocean City, NJ | 16 | $ 11,310,000 | $ 706,875 | $ 521,000 |
| Salisbury, MD-DE | 15 | $ 5,805,000 | $ 387,000 | $ 226,000 |
| Wilmington, DE-MD-NJ | 13 | $ 6,585,000 | $ 506,538 | $ 104,538 |
| State College, PA | 11 | $ 2,885,000 | $ 262,272 | $ 307,000 |
| Canton-Massillon, OH | 8 | $ 2,360,000 | $ 295,000 | $ 166,000 |
| Chambersburg-Waynesboro, PA | 8 | $ 1,530,000 | $ 191,250 | $ 76,000 |
| Erie, PA | 8 | $ 2,110,000 | $ 263,750 | $ 236,000 |
| Gettysburg, PA | 8 | $ 1,660,000 | $ 207,500 | $ 111,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 7 | $ 3,885,000 | $ 555,000 | $ 105,000 |
| Naples-Immokalee-Marco Island, FL | 7 | $ 5,675,000 | $ 810,714 | $ 411,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 7 | $ 835,000 | $ 119,285 | $ 211,000 |
| Toledo, OH | 7 | $ 4,355,000 | $ 622,142 | $ 217,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 7 | $ 1,925,000 | $ 275,000 | $ 272,714 |
| North Port-Sarasota-Bradenton, FL | 6 | $ 5,130,000 | $ 855,000 | $ 422,000 |
| Atlantic City-Hammonton, NJ | 5 | $ 2,275,000 | $ 455,000 | $ 191,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 5 | $ 3,735,000 | $ 747,000 | $ 390,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 4 | $ 1,450,000 | $ 362,500 | $ 308,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 1,640,000 | $ 410,000 | $ 104,000 |
| East Stroudsburg, PA | 4 | $ 790,000 | $ 197,500 | $ 221,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 4 | $ 640,000 | $ 160,000 | $ 161,000 |
| Weirton-Steubenville, WV-OH | 4 | $ 790,000 | $ 197,500 | $ 96,000 |
| Camden, NJ | 3 | $ 285,000 | $ 95,000 | $ 366,000 |
| Cincinnati, OH-KY-IN | 3 | $ 1,515,000 | $ 505,000 | $ 255,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 4,135,000 | $ 1,378,333 | $ 2,664,000 |
| New York-Jersey City-White Plains, NY-NJ | 3 | $ 335,000 | $ 111,666 | $ 137,333 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 1,065,000 | $ 355,000 | $ 205,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 2,615,000 | $ 871,666 | $ 650,000 |
| Asheville, NC | 2 | $ 520,000 | $ 260,000 | $ 135,000 |
| Bloomsburg-Berwick, PA | 2 | $ 330,000 | $ 165,000 | $ 46,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 620,000 | $ 310,000 | $ 132,000 |
| Charleston-North Charleston, SC | 2 | $ 880,000 | $ 440,000 | $ 419,000 |
| Cumberland, MD-WV | 2 | $ 240,000 | $ 120,000 | $ 84,000 |
| Dallas-Plano-Irving, TX | 2 | $ 2,720,000 | $ 1,360,000 | $ 167,000 |
| Dayton-Springfield-Kettering, OH | 2 | $ 11,380,000 | $ 5,690,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 550,000 | $ 275,000 | $ 220,000 |
| Dover, DE | 2 | $ 380,000 | $ 190,000 | $ 99,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 1,460,000 | $ 730,000 | $ 1,192,000 |
| Jacksonville, FL | 2 | $ 360,000 | $ 180,000 | $ 244,000 |
| Morgantown, WV | 2 | $ 7,160,000 | $ 3,580,000 | $ 132,000 |
| Newark, NJ-PA | 2 | $ 1,980,000 | $ 990,000 | $ 706,000 |
| Tallahassee, FL | 2 | $ 330,000 | $ 165,000 | $ 72,000 |
| Trenton, NJ | 2 | $ 580,000 | $ 290,000 | $ 680,000 |
| Wilmington, NC | 2 | $ 260,000 | $ 130,000 | $ 114,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 125,000 | $ 125,000 | $ 67,000 |
| Burlington, NC | 1 | $ 215,000 | $ 215,000 | $ 124,000 |
| Charleston, WV | 1 | $ 255,000 | $ 255,000 | $ 155,000 |
| Chattanooga, TN-GA | 1 | $ 505,000 | $ 505,000 | $ 200,000 |
| Columbia, SC | 1 | $ 105,000 | $ 105,000 | $ 79,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 205,000 | $ 205,000 | $ 146,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 55,000 | $ 55,000 | $ 42,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 65,000 | $ 65,000 | $ 113,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 55,000 | $ 55,000 | $ 258,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 585,000 | $ 585,000 | $ 225,000 |
| Ithaca, NY | 1 | $ 2,265,000 | $ 2,265,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 325,000 | $ 325,000 | $ 132,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 525,000 | $ 525,000 | $ 1,030,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 125,000 | $ 125,000 | $ 276,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| Punta Gorda, FL | 1 | $ 55,000 | $ 55,000 | $ 160,000 |
| Rochester, NY | 1 | $ 255,000 | $ 255,000 | $ 54,000 |
| San Antonio-New Braunfels, TX | 1 | $ 55,000 | $ 55,000 | $ 89,000 |
| San Diego-Carlsbad, CA | 1 | $ 405,000 | $ 405,000 | $ 124,000 |
| Springfield, OH | 1 | $ 535,000 | $ 535,000 | $ 0 |
| St. Louis, MO-IL | 1 | $ 75,000 | $ 75,000 | $ 125,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 315,000 | $ 315,000 | $ 274,000 |
Mortgage Loan Application Detail Totals for S&T Bank in 2021
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 |
|---|---|---|---|---|---|---|
| Refinancing | 2,630 | $538,460,000 | $204,000 | $7,005,000 | $125,000 | $2,664,000 |
| Home Purchase | 1,692 | $639,860,000 | $378,000 | $31,605,000 | $132,000 | $2,400,000 |
| Home Improvement | 1,204 | $117,130,000 | $97,000 | $2,945,000 | $120,000 | $1,648,000 |
| Other Purpose | 819 | $87,045,000 | $106,000 | $2,005,000 | $121,000 | $2,664,000 |
| Cash-out Refinancing | 503 | $112,785,000 | $224,000 | $1,925,000 | $123,000 | $1,017,000 |
| 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 | 4,657 | $810,305,000 | $173,000 | $3,045,000 | $122,000 | $2,664,000 |
| Not Provided | 1,363 | $216,015,000 | $158,000 | $2,255,000 | $131,000 | $2,258,000 |
| Not applicable | 486 | $393,810,000 | $810,000 | $31,605,000 | $0 | $0 |
| Asian | 132 | $33,020,000 | $250,000 | $1,445,000 | $177,000 | $1,848,000 |
| Black or African American | 112 | $21,660,000 | $193,000 | $1,285,000 | $114,000 | $556,000 |
| Hispanic | 67 | $13,085,000 | $195,000 | $1,385,000 | $159,000 | $1,717,000 |
| American Indian or Alaskan Native | 8 | $1,360,000 | $170,000 | $505,000 | $210,000 | $668,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $190,000 | $95,000 | $165,000 | $61,000 | $114,000 |
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) | 6,831 | $1,492,465,000 | $218,000 | $31,605,000 | $125,000 | $2,664,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,720,000 | $143,000 | $355,000 | $80,000 | $258,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,095,000 | $219,000 | $305,000 | $75,000 | $115,000 |
| 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 | 4,875 | $1,083,745,000 | $222,000 | $31,605,000 | $131,000 | $2,664,000 |
| Application Denied By Financial Institution | 837 | $111,105,000 | $132,000 | $2,075,000 | $86,000 | $830,000 |
| Application Withdrawn By Applicant | 470 | $146,840,000 | $312,000 | $10,905,000 | $127,000 | $956,000 |
| Application Approved But Not Accepted | 312 | $56,140,000 | $179,000 | $1,765,000 | $135,000 | $1,500,000 |
| File Closed For Incompleteness | 250 | $74,640,000 | $298,000 | $1,785,000 | $161,000 | $2,400,000 |
| Preapproval Approved but not Accepted | 83 | $17,735,000 | $213,000 | $625,000 | $95,000 | $613,000 |
| Preapproval Denied by Financial Institution | 21 | $5,075,000 | $241,000 | $605,000 | $53,000 | $120,000 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 5,990 | $1,379,100,000 | $230,000 | $31,605,000 | $131,000 | $2,664,000 |
| Credit History | 378 | $35,130,000 | $92,000 | $1,575,000 | $72,000 | $500,000 |
| Collateral | 294 | $34,940,000 | $118,000 | $1,775,000 | $109,000 | $830,000 |
| Debt-To-Income Ratio | 157 | $38,785,000 | $247,000 | $2,075,000 | $61,000 | $258,000 |
| Other | 11 | $2,545,000 | $231,000 | $1,075,000 | $98,000 | $378,000 |
| Unverifiable Information | 8 | $650,000 | $81,000 | $155,000 | $194,000 | $720,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,075,000 | $215,000 | $465,000 | $75,000 | $145,000 |
| Employment History | 3 | $965,000 | $321,000 | $665,000 | $93,000 | $234,000 |
| Credit Application Incomplete | 2 | $2,090,000 | $1,045,000 | $1,835,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S&T Bank's 2021 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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