S&T Bank Mortgage Lending & HMDA Data, 2004
In 2004, S&T Bank of Indiana, PA reported 3,716 mortgage applications totaling $225.7 million, down 34% from 2003. The average application was for $60,724, and applicants reported an average income of $57,067. 70% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Pittsburgh, PA (1,423), Johnstown, PA (30) and Altoona, PA (29) (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 | 3,716 |
| Total Mortgage Loan Application Amount | $225,652,000 |
| Average Mortgage Loan Application Amount | $60,724 |
| Highest Mortgage Loan Application Amount | $4,850,000 |
| Average Applicant Income | $57,067 |
| Highest Applicant Income | $1,612,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for S&T Bank in 2004
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 | 1,475 | $96,125,000 | $122,833 | $1,600,000 | $112,333 | $900,000 |
| Home Improvement | 1,323 | $28,092,000 | $12,333 | $760,000 | $88,333 | $761,000 |
| Home Purchase | 918 | $101,435,000 | $259,000 | $4,850,000 | $201,000 | $1,612,000 |
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 | 3,066 | $169,993,000 | $183,090 | $1,400,000 | $166,454 | $1,612,000 |
| Not Provided | 586 | $36,859,000 | $522,333 | $1,900,000 | $319,333 | $900,000 |
| Not applicable | 30 | $15,478,000 | $613,000 | $4,850,000 | $196,000 | $761,000 |
| Hispanic | 12 | $1,092,000 | $77,000 | $329,000 | $42,500 | $192,000 |
| Black or African American | 11 | $965,000 | $87,000 | $265,000 | $47,000 | $84,000 |
| Asian | 6 | $1,007,000 | $268,500 | $420,000 | $139,000 | $220,000 |
| American Indian or Alaskan Native | 4 | $253,000 | $63,000 | $80,000 | $41,000 | $100,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $5,000 | $5,000 | $5,000 | $76,000 | $76,000 |
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) | 3,716 | $225,652,000 | $206,363 | $4,850,000 | $181,272 | $1,612,000 |
| 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 | 2,592 | $151,439,000 | $246,375 | $4,850,000 | $232,875 | $1,612,000 |
| Application Denied By Financial Institution | 492 | $26,725,000 | $72,000 | $1,600,000 | $39,000 | $240,000 |
| Application Approved But Not Accepted | 301 | $16,224,000 | $94,333 | $640,000 | $163,666 | $425,000 |
| Application Withdrawn By Applicant | 239 | $18,788,000 | $92,666 | $2,000,000 | $44,333 | $212,000 |
| Preapproval Approved but not Accepted | 59 | $9,234,000 | $156,000 | $1,300,000 | $115,000 | $716,000 |
| Preapproval Denied by Financial Institution | 20 | $1,506,000 | $75,000 | $124,000 | $51,000 | $117,000 |
| File Closed For Incompleteness | 13 | $1,736,000 | $133,000 | $837,000 | $70,000 | $215,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 211 | $10,502,000 | $59,500 | $380,000 | $51,000 | $120,000 |
| Debt-To-Income Ratio | 183 | $9,441,000 | $62,000 | $950,000 | $36,500 | $240,000 |
| Other | 49 | $3,339,000 | $77,666 | $396,000 | $40,333 | $96,000 |
| Employment History | 43 | $1,151,000 | $26,000 | $131,000 | $42,000 | $120,000 |
| Collateral | 13 | $935,000 | $71,000 | $256,000 | $61,000 | $153,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $356,000 | $91,000 | $129,000 | $46,500 | $60,000 |
| Unverifiable Information | 2 | $452,000 | $226,000 | $307,000 | $27,000 | $55,000 |
| 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 2004 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.
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