S&T Bank Mortgage Lending & HMDA Data, 2022
In 2022, S&T Bank of Indiana, PA reported 5,868 mortgage applications totaling $1.5 billion, down 14% from 2021. The average application was for $256,274, and applicants reported an average income of $142,264. 67% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Pittsburgh, PA (2,257), Montgomery County-Bucks County-Chester County, PA (478) and Harrisburg-Carlisle, PA (348) (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 | 5,868 |
| Total Mortgage Loan Application Amount | $1,503,820,000 |
| Average Mortgage Loan Application Amount | $256,274 |
| Highest Mortgage Loan Application Amount | $30,705,000 |
| Average Applicant Income | $142,264 |
| Highest Applicant Income | $7,315,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,257 | $ 388,445,000 | $ 172,106 | $ 120,000 |
| Outside any metro area | 1,090 | $ 142,690,000 | $ 130,908 | $ 93,861 |
| Montgomery County-Bucks County-Chester County, PA | 478 | $ 122,360,000 | $ 255,983 | $ 148,000 |
| Harrisburg-Carlisle, PA | 348 | $ 117,080,000 | $ 336,436 | $ 152,000 |
| Philadelphia, PA | 239 | $ 93,365,000 | $ 390,648 | $ 218,000 |
| Lancaster, PA | 217 | $ 56,995,000 | $ 262,649 | $ 165,000 |
| Johnstown, PA | 211 | $ 19,225,000 | $ 91,113 | $ 81,000 |
| Columbus, OH | 93 | $ 130,885,000 | $ 1,407,365 | $ 391,000 |
| Altoona, PA | 90 | $ 11,350,000 | $ 126,111 | $ 106,000 |
| Akron, OH | 89 | $ 20,705,000 | $ 232,640 | $ 142,000 |
| York-Hanover, PA | 83 | $ 16,345,000 | $ 196,927 | $ 120,000 |
| Cleveland-Elyria, OH | 75 | $ 23,005,000 | $ 306,733 | $ 224,000 |
| Baltimore-Columbia-Towson, MD | 51 | $ 39,885,000 | $ 782,058 | $ 253,000 |
| Washington-Baltimore-Arlington, DC | 31 | $ 33,625,000 | $ 1,084,677 | $ 280,000 |
| Reading, PA | 29 | $ 7,035,000 | $ 242,586 | $ 242,000 |
| Wilmington, DE-MD-NJ | 21 | $ 5,405,000 | $ 257,380 | $ 173,619 |
| Youngstown-Warren-Boardman, OH-PA | 21 | $ 3,925,000 | $ 186,904 | $ 352,714 |
| Canton-Massillon, OH | 16 | $ 13,030,000 | $ 814,375 | $ 205,000 |
| New York-Newark, NY | 14 | $ 10,740,000 | $ 767,142 | $ 452,000 |
| Ocean City, NJ | 14 | $ 18,060,000 | $ 1,290,000 | $ 434,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 13 | $ 2,725,000 | $ 209,615 | $ 134,000 |
| Salisbury, MD-DE | 10 | $ 4,970,000 | $ 497,000 | $ 271,600 |
| Lebanon, PA | 9 | $ 2,525,000 | $ 280,555 | $ 176,000 |
| Camden, NJ | 8 | $ 2,110,000 | $ 263,750 | $ 164,000 |
| Naples-Immokalee-Marco Island, FL | 8 | $ 5,800,000 | $ 725,000 | $ 208,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 8 | $ 1,820,000 | $ 227,500 | $ 155,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 8 | $ 5,460,000 | $ 682,500 | $ 266,250 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 8 | $ 12,720,000 | $ 1,590,000 | $ 1,243,000 |
| Gettysburg, PA | 7 | $ 3,625,000 | $ 517,857 | $ 180,000 |
| New York-Jersey City-White Plains, NY-NJ | 7 | $ 3,865,000 | $ 552,142 | $ 296,714 |
| North Port-Sarasota-Bradenton, FL | 7 | $ 3,675,000 | $ 525,000 | $ 460,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 6 | $ 5,730,000 | $ 955,000 | $ 239,000 |
| Los Angeles-Long Beach-Glendale, CA | 6 | $ 6,700,000 | $ 1,116,666 | $ 335,000 |
| Newark, NJ-PA | 6 | $ 2,140,000 | $ 356,666 | $ 202,166 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 5 | $ 3,545,000 | $ 709,000 | $ 88,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 2,135,000 | $ 427,000 | $ 299,000 |
| Atlantic City-Hammonton, NJ | 4 | $ 890,000 | $ 222,500 | $ 516,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 3,280,000 | $ 820,000 | $ 219,000 |
| Erie, PA | 4 | $ 260,000 | $ 65,000 | $ 110,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 4 | $ 570,000 | $ 142,500 | $ 80,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 2,870,000 | $ 717,500 | $ 272,000 |
| Rochester, NY | 4 | $ 1,370,000 | $ 342,500 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 2,510,000 | $ 627,500 | $ 288,000 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 3,695,000 | $ 1,231,666 | $ 908,000 |
| Chambersburg-Waynesboro, PA | 3 | $ 115,000 | $ 38,333 | $ 127,000 |
| Charleston-North Charleston, SC | 3 | $ 2,025,000 | $ 675,000 | $ 353,000 |
| Chicago-Naperville, IL | 3 | $ 1,765,000 | $ 588,333 | $ 441,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 975,000 | $ 325,000 | $ 158,000 |
| San Diego-Carlsbad, CA | 3 | $ 5,045,000 | $ 1,681,666 | $ 407,000 |
| State College, PA | 3 | $ 475,000 | $ 158,333 | $ 124,000 |
| Boston, MA | 2 | $ 930,000 | $ 465,000 | $ 530,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 1,860,000 | $ 930,000 | $ 319,000 |
| East Stroudsburg, PA | 2 | $ 380,000 | $ 190,000 | $ 119,000 |
| Elgin, IL | 2 | $ 590,000 | $ 295,000 | $ 49,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 2,320,000 | $ 1,160,000 | $ 488,000 |
| Merced, CA | 2 | $ 210,000 | $ 105,000 | $ 121,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 1,390,000 | $ 695,000 | $ 2,919,000 |
| Panama City, FL | 2 | $ 890,000 | $ 445,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 690,000 | $ 345,000 | $ 315,000 |
| Port St. Lucie, FL | 2 | $ 510,000 | $ 255,000 | $ 129,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 1,350,000 | $ 675,000 | $ 203,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 24,320,000 | $ 12,160,000 | $ 90,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 1,705,000 | $ 1,705,000 | $ 595,000 |
| Athens-Clarke County, GA | 1 | $ 175,000 | $ 175,000 | $ 89,000 |
| Austin-Round Rock, TX | 1 | $ 755,000 | $ 755,000 | $ 0 |
| Brunswick, GA | 1 | $ 2,805,000 | $ 2,805,000 | $ 1,619,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 215,000 | $ 215,000 | $ 182,000 |
| Charlottesville, VA | 1 | $ 985,000 | $ 985,000 | $ 170,000 |
| Chattanooga, TN-GA | 1 | $ 545,000 | $ 545,000 | $ 235,000 |
| Cincinnati, OH-KY-IN | 1 | $ 55,000 | $ 55,000 | $ 55,000 |
| Columbia, SC | 1 | $ 25,000 | $ 25,000 | $ 89,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Denver-Aurora-Lakewood, CO | 1 | $ 1,055,000 | $ 1,055,000 | $ 262,000 |
| Flagstaff, AZ | 1 | $ 1,505,000 | $ 1,505,000 | $ 1,202,000 |
| Fort Wayne, IN | 1 | $ 495,000 | $ 495,000 | $ 105,000 |
| Fort Worth-Arlington, TX | 1 | $ 325,000 | $ 325,000 | $ 245,000 |
| Glens Falls, NY | 1 | $ 45,000 | $ 45,000 | $ 150,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 115,000 | $ 115,000 | $ 177,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 605,000 | $ 605,000 | $ 225,000 |
| Jacksonville, FL | 1 | $ 825,000 | $ 825,000 | $ 455,000 |
| Lakeland-Winter Haven, FL | 1 | $ 1,285,000 | $ 1,285,000 | $ 457,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 495,000 | $ 495,000 | $ 130,000 |
| Memphis, TN-MS-AR | 1 | $ 145,000 | $ 145,000 | $ 1,662,000 |
| Ocala, FL | 1 | $ 255,000 | $ 255,000 | $ 103,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 145,000 | $ 145,000 | $ 399,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 205,000 | $ 205,000 | $ 147,000 |
| Peoria, IL | 1 | $ 305,000 | $ 305,000 | $ 169,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 3,245,000 | $ 3,245,000 | $ 619,000 |
| Reno, NV | 1 | $ 1,175,000 | $ 1,175,000 | $ 500,000 |
| Richmond, VA | 1 | $ 785,000 | $ 785,000 | $ 467,000 |
| Rockingham County-Strafford County, NH | 1 | $ 2,455,000 | $ 2,455,000 | $ 431,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 1,575,000 | $ 1,575,000 | $ 400,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 1,715,000 | $ 1,715,000 | $ 578,000 |
| Springfield, OH | 1 | $ 2,435,000 | $ 2,435,000 | $ 0 |
| Trenton, NJ | 1 | $ 705,000 | $ 705,000 | $ 1,000 |
| Vineland-Bridgeton, NJ | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 325,000 | $ 325,000 | $ 1,841,000 |
| Visalia-Porterville, CA | 1 | $ 185,000 | $ 185,000 | $ 205,000 |
| Winston-Salem, NC | 1 | $ 145,000 | $ 145,000 | $ 100,000 |
| Yakima, WA | 1 | $ 615,000 | $ 615,000 | $ 392,000 |
Mortgage Loan Application Detail Totals for S&T Bank in 2022
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 | 1,679 | $784,525,000 | $467,000 | $30,705,000 | $173,000 | $5,838,000 |
| Home Improvement | 1,628 | $184,870,000 | $113,000 | $2,005,000 | $125,000 | $2,544,000 |
| Refinancing | 1,466 | $364,380,000 | $248,000 | $24,005,000 | $137,000 | $7,315,000 |
| Other Purpose | 751 | $83,105,000 | $110,000 | $1,465,000 | $120,000 | $2,050,000 |
| Cash-out Refinancing | 344 | $86,940,000 | $252,000 | $4,005,000 | $145,000 | $5,184,000 |
| 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 | 4,006 | $803,330,000 | $200,000 | $6,505,000 | $136,000 | $7,315,000 |
| Not Provided | 1,044 | $239,260,000 | $229,000 | $4,345,000 | $151,000 | $4,800,000 |
| Not applicable | 415 | $354,805,000 | $854,000 | $30,705,000 | $0 | $0 |
| Black or African American | 155 | $31,755,000 | $204,000 | $2,185,000 | $121,000 | $900,000 |
| Asian | 139 | $44,215,000 | $318,000 | $1,775,000 | $199,000 | $1,600,000 |
| Hispanic | 72 | $19,170,000 | $266,000 | $1,805,000 | $162,000 | $1,479,000 |
| American Indian or Alaskan Native | 17 | $2,705,000 | $159,000 | $505,000 | $275,000 | $687,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $160,000 | $80,000 | $85,000 | $90,000 | $146,000 |
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) | 5,854 | $1,501,530,000 | $256,000 | $30,705,000 | $141,000 | $7,315,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,395,000 | $126,000 | $375,000 | $72,000 | $150,000 |
| VA-guaranteed (Veterans Administration) | 3 | $895,000 | $298,000 | $415,000 | $102,000 | $268,000 |
| 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 | 3,923 | $1,012,845,000 | $258,000 | $24,055,000 | $148,000 | $7,315,000 |
| Application Denied By Financial Institution | 990 | $146,160,000 | $147,000 | $4,345,000 | $103,000 | $1,600,000 |
| Application Approved But Not Accepted | 346 | $80,620,000 | $233,000 | $24,005,000 | $141,000 | $4,800,000 |
| Application Withdrawn By Applicant | 286 | $131,840,000 | $460,000 | $30,705,000 | $184,000 | $2,692,000 |
| File Closed For Incompleteness | 148 | $62,660,000 | $423,000 | $2,105,000 | $162,000 | $642,000 |
| Preapproval Approved but not Accepted | 120 | $48,990,000 | $408,000 | $1,905,000 | $133,000 | $640,000 |
| Preapproval Denied by Financial Institution | 49 | $19,235,000 | $392,000 | $1,805,000 | $88,000 | $408,000 |
| Loan Purchased By The Institution | 6 | $1,470,000 | $245,000 | $455,000 | $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 | 4,829 | $1,338,425,000 | $277,000 | $30,705,000 | $150,000 | $7,315,000 |
| Credit History | 500 | $56,830,000 | $113,000 | $1,095,000 | $85,000 | $780,000 |
| Collateral | 327 | $44,405,000 | $135,000 | $4,345,000 | $137,000 | $1,600,000 |
| Debt-To-Income Ratio | 172 | $52,270,000 | $303,000 | $2,105,000 | $63,000 | $408,000 |
| Unverifiable Information | 25 | $6,705,000 | $268,000 | $2,005,000 | $237,000 | $1,352,000 |
| Other | 7 | $1,335,000 | $190,000 | $605,000 | $126,000 | $225,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $2,835,000 | $567,000 | $2,385,000 | $141,000 | $407,000 |
| Employment History | 3 | $1,015,000 | $338,000 | $905,000 | $62,000 | $153,000 |
| Credit Application Incomplete | 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 2022 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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