S&T Bank Mortgage Lending & HMDA Data, 2023
In 2023, S&T Bank of Indiana, PA reported 4,793 mortgage applications totaling $1.2 billion, down 18% from 2022. The average application was for $241,703, and applicants reported an average income of $152,208. 60% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Pittsburgh, PA (1,758), Montgomery County-Bucks County-Chester County, PA (336) and Harrisburg-Carlisle, PA (286) (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 | 4,793 |
| Total Mortgage Loan Application Amount | $1,158,485,000 |
| Average Mortgage Loan Application Amount | $241,703 |
| Highest Mortgage Loan Application Amount | $16,005,000 |
| Average Applicant Income | $152,208 |
| Highest Applicant Income | $6,960,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,758 | $ 309,670,000 | $ 176,149 | $ 133,000 |
| Outside any metro area | 1,082 | $ 187,770,000 | $ 173,539 | $ 112,551 |
| Montgomery County-Bucks County-Chester County, PA | 336 | $ 98,860,000 | $ 294,226 | $ 169,000 |
| Harrisburg-Carlisle, PA | 286 | $ 62,000,000 | $ 216,783 | $ 156,000 |
| Lancaster, PA | 188 | $ 51,290,000 | $ 272,819 | $ 183,000 |
| Philadelphia, PA | 163 | $ 59,405,000 | $ 364,447 | $ 225,000 |
| Johnstown, PA | 144 | $ 10,410,000 | $ 72,291 | $ 77,000 |
| Columbus, OH | 135 | $ 69,965,000 | $ 518,259 | $ 230,000 |
| Cleveland-Elyria, OH | 77 | $ 23,805,000 | $ 309,155 | $ 149,000 |
| York-Hanover, PA | 71 | $ 19,195,000 | $ 270,352 | $ 142,000 |
| Akron, OH | 68 | $ 15,520,000 | $ 228,235 | $ 125,000 |
| Altoona, PA | 63 | $ 14,465,000 | $ 229,603 | $ 140,000 |
| Baltimore-Columbia-Towson, MD | 33 | $ 21,405,000 | $ 648,636 | $ 311,000 |
| Washington-Baltimore-Arlington, DC | 22 | $ 21,450,000 | $ 975,000 | $ 319,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 20 | $ 7,650,000 | $ 382,500 | $ 169,100 |
| Camden, NJ | 19 | $ 7,175,000 | $ 377,631 | $ 250,000 |
| New York-Newark, NY | 19 | $ 8,225,000 | $ 432,894 | $ 276,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 19 | $ 6,815,000 | $ 358,684 | $ 151,000 |
| New York-Jersey City-White Plains, NY-NJ | 17 | $ 15,145,000 | $ 890,882 | $ 248,000 |
| Chicago-Naperville, IL | 16 | $ 9,880,000 | $ 617,500 | $ 211,000 |
| Reading, PA | 15 | $ 4,385,000 | $ 292,333 | $ 291,000 |
| Wilmington, DE-MD-NJ | 15 | $ 23,135,000 | $ 1,542,333 | $ 121,666 |
| Cincinnati, OH-KY-IN | 13 | $ 5,745,000 | $ 441,923 | $ 258,000 |
| Newark, NJ-PA | 12 | $ 10,450,000 | $ 870,833 | $ 305,000 |
| Canton-Massillon, OH | 10 | $ 1,790,000 | $ 179,000 | $ 89,000 |
| Lebanon, PA | 10 | $ 2,540,000 | $ 254,000 | $ 151,000 |
| Ocean City, NJ | 10 | $ 3,980,000 | $ 398,000 | $ 664,000 |
| Dayton-Springfield-Kettering, OH | 9 | $ 2,235,000 | $ 248,333 | $ 154,000 |
| Salisbury, MD-DE | 9 | $ 4,035,000 | $ 448,333 | $ 323,555 |
| Trenton, NJ | 9 | $ 2,925,000 | $ 325,000 | $ 276,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 9 | $ 9,235,000 | $ 1,026,111 | $ 666,000 |
| Youngstown-Warren-Boardman, OH-PA | 8 | $ 1,940,000 | $ 242,500 | $ 85,125 |
| Hagerstown-Martinsburg, MD-WV | 7 | $ 1,685,000 | $ 240,714 | $ 179,000 |
| State College, PA | 7 | $ 2,065,000 | $ 295,000 | $ 172,000 |
| Jacksonville, FL | 6 | $ 1,800,000 | $ 300,000 | $ 199,000 |
| Morgantown, WV | 5 | $ 985,000 | $ 197,000 | $ 307,000 |
| North Port-Sarasota-Bradenton, FL | 5 | $ 1,085,000 | $ 217,000 | $ 158,000 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 3,160,000 | $ 790,000 | $ 263,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 4,020,000 | $ 1,005,000 | $ 610,000 |
| East Stroudsburg, PA | 3 | $ 795,000 | $ 265,000 | $ 279,000 |
| Erie, PA | 3 | $ 525,000 | $ 175,000 | $ 90,000 |
| Gettysburg, PA | 3 | $ 815,000 | $ 271,666 | $ 108,000 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 1,415,000 | $ 471,666 | $ 240,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 6,145,000 | $ 2,048,333 | $ 486,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 2,715,000 | $ 905,000 | $ 242,000 |
| Rochester, NY | 3 | $ 855,000 | $ 285,000 | $ 123,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 880,000 | $ 440,000 | $ 226,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 2,260,000 | $ 1,130,000 | $ 1,110,000 |
| Birmingham-Hoover, AL | 2 | $ 1,650,000 | $ 825,000 | $ 350,000 |
| California-Lexington Park, MD | 2 | $ 1,650,000 | $ 825,000 | $ 162,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 230,000 | $ 115,000 | $ 93,000 |
| Chambersburg-Waynesboro, PA | 2 | $ 450,000 | $ 225,000 | $ 89,000 |
| Cumberland, MD-WV | 2 | $ 200,000 | $ 100,000 | $ 50,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 820,000 | $ 410,000 | $ 375,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 360,000 | $ 180,000 | $ 121,000 |
| Mansfield, OH | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 1,940,000 | $ 970,000 | $ 662,000 |
| Raleigh, NC | 2 | $ 590,000 | $ 295,000 | $ 90,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 460,000 | $ 230,000 | $ 301,000 |
| San Diego-Carlsbad, CA | 2 | $ 2,460,000 | $ 1,230,000 | $ 457,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 590,000 | $ 295,000 | $ 196,000 |
| The Villages, FL | 2 | $ 880,000 | $ 440,000 | $ 149,000 |
| Vineland-Bridgeton, NJ | 2 | $ 1,040,000 | $ 520,000 | $ 31,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 100,000 | $ 50,000 | $ 163,000 |
| Albuquerque, NM | 1 | $ 455,000 | $ 455,000 | $ 179,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 1,405,000 | $ 1,405,000 | $ 2,766,000 |
| Bloomsburg-Berwick, PA | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Boise City, ID | 1 | $ 705,000 | $ 705,000 | $ 577,000 |
| Bremerton-Silverdale, WA | 1 | $ 1,945,000 | $ 1,945,000 | $ 530,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 345,000 | $ 345,000 | $ 95,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 905,000 | $ 905,000 | $ 313,000 |
| Columbia, SC | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Corvallis, OR | 1 | $ 425,000 | $ 425,000 | $ 74,000 |
| Dallas-Plano-Irving, TX | 1 | $ 1,355,000 | $ 1,355,000 | $ 477,000 |
| Dover, DE | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Gainesville, FL | 1 | $ 345,000 | $ 345,000 | $ 111,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 2,005,000 | $ 2,005,000 | $ 6,960,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 295,000 | $ 295,000 | $ 954,000 |
| Kingston, NY | 1 | $ 915,000 | $ 915,000 | $ 0 |
| Lafayette-West Lafayette, IN | 1 | $ 65,000 | $ 65,000 | $ 202,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 215,000 | $ 215,000 | $ 101,000 |
| Lakeland-Winter Haven, FL | 1 | $ 235,000 | $ 235,000 | $ 359,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 515,000 | $ 515,000 | $ 58,000 |
| Lynchburg, VA | 1 | $ 155,000 | $ 155,000 | $ 145,000 |
| Merced, CA | 1 | $ 55,000 | $ 55,000 | $ 114,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 255,000 | $ 255,000 | $ 280,000 |
| Norwich-New London, CT | 1 | $ 1,005,000 | $ 1,005,000 | $ 1,628,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 255,000 | $ 255,000 | $ 226,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 725,000 | $ 725,000 | $ 510,000 |
| Rockford, IL | 1 | $ 205,000 | $ 205,000 | $ 388,000 |
| Sherman-Denison, TX | 1 | $ 725,000 | $ 725,000 | $ 494,000 |
| Springfield, OH | 1 | $ 335,000 | $ 335,000 | $ 137,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 1,005,000 | $ 1,005,000 | $ 312,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 685,000 | $ 685,000 | $ 172,000 |
| Wheeling, WV-OH | 1 | $ 2,105,000 | $ 2,105,000 | $ 0 |
| Winchester, VA-WV | 1 | $ 315,000 | $ 315,000 | $ 278,000 |
| Winston-Salem, NC | 1 | $ 145,000 | $ 145,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for S&T Bank in 2023
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 | 1,864 | $699,840,000 | $375,000 | $16,005,000 | $173,000 | $6,960,000 |
| Home Improvement | 1,159 | $136,005,000 | $117,000 | $2,005,000 | $147,000 | $5,040,000 |
| Refinancing | 1,112 | $242,300,000 | $217,000 | $7,005,000 | $144,000 | $2,292,000 |
| Other Purpose | 478 | $48,220,000 | $100,000 | $2,805,000 | $118,000 | $2,211,000 |
| Cash-out Refinancing | 180 | $32,120,000 | $178,000 | $685,000 | $112,000 | $388,000 |
| 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 | 3,280 | $662,280,000 | $201,000 | $7,005,000 | $139,000 | $2,292,000 |
| Not Provided | 701 | $150,845,000 | $215,000 | $4,605,000 | $185,000 | $6,960,000 |
| Not applicable | 392 | $194,560,000 | $496,000 | $16,005,000 | $0 | $0 |
| Black or African American | 155 | $42,145,000 | $271,000 | $2,615,000 | $160,000 | $1,001,000 |
| Asian | 138 | $67,450,000 | $488,000 | $2,955,000 | $236,000 | $1,121,000 |
| Hispanic | 62 | $19,060,000 | $307,000 | $1,945,000 | $163,000 | $990,000 |
| American Indian or Alaskan Native | 12 | $2,000,000 | $166,000 | $715,000 | $160,000 | $460,000 |
| 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) | 4,793 | $1,158,485,000 | $241,000 | $16,005,000 | $152,000 | $6,960,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 2,896 | $701,010,000 | $242,000 | $16,005,000 | $160,000 | $5,040,000 |
| Application Denied By Financial Institution | 1,088 | $186,820,000 | $171,000 | $4,605,000 | $116,000 | $2,045,000 |
| Application Withdrawn By Applicant | 297 | $121,525,000 | $409,000 | $9,975,000 | $188,000 | $1,459,000 |
| Application Approved But Not Accepted | 205 | $35,055,000 | $171,000 | $1,915,000 | $137,000 | $926,000 |
| Preapproval Approved but not Accepted | 148 | $56,500,000 | $381,000 | $2,955,000 | $144,000 | $639,000 |
| File Closed For Incompleteness | 108 | $41,560,000 | $384,000 | $2,005,000 | $238,000 | $6,960,000 |
| Preapproval Denied by Financial Institution | 51 | $16,015,000 | $314,000 | $1,615,000 | $95,000 | $405,000 |
| 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 | 3,654 | $955,650,000 | $261,000 | $16,005,000 | $163,000 | $6,960,000 |
| Credit History | 477 | $54,385,000 | $114,000 | $2,005,000 | $102,000 | $1,400,000 |
| Debt-To-Income Ratio | 318 | $84,170,000 | $264,000 | $1,595,000 | $90,000 | $693,000 |
| Collateral | 263 | $33,825,000 | $128,000 | $1,505,000 | $141,000 | $2,045,000 |
| Unverifiable Information | 39 | $8,395,000 | $215,000 | $2,105,000 | $237,000 | $1,300,000 |
| Other | 23 | $10,035,000 | $436,000 | $1,945,000 | $213,000 | $530,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $4,040,000 | $505,000 | $1,615,000 | $141,000 | $322,000 |
| Employment History | 6 | $5,580,000 | $930,000 | $4,605,000 | $124,000 | $411,000 |
| Credit Application Incomplete | 5 | $2,405,000 | $481,000 | $1,255,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S&T Bank's 2023 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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