S&T Bank Mortgage Lending & HMDA Data, 2006
In 2006, S&T Bank of Indiana, PA reported 3,096 mortgage applications totaling $197.1 million, down 2% from 2005. The average application was for $63,675, and applicants reported an average income of $67,632. 73% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Pittsburgh, PA (1,220), Johnstown, PA (28) and Altoona, PA (20) (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 | 3,096 |
| Total Mortgage Loan Application Amount | $197,138,000 |
| Average Mortgage Loan Application Amount | $63,675 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $67,632 |
| Highest Applicant Income | $2,826,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2006
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 | 1,479 | $101,502,000 | $68,000 | $1,200,000 | $68,000 | $2,400,000 |
| Home Improvement | 845 | $27,626,000 | $32,000 | $710,000 | $63,000 | $900,000 |
| Home Purchase | 772 | $68,010,000 | $88,000 | $1,500,000 | $72,000 | $2,826,000 |
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 | 2,473 | $162,557,000 | $65,000 | $1,500,000 | $69,000 | $2,826,000 |
| Not Provided | 556 | $29,264,000 | $52,000 | $600,000 | $59,000 | $750,000 |
| Black or African American | 20 | $1,438,000 | $71,000 | $375,000 | $54,000 | $132,000 |
| Hispanic | 17 | $1,111,000 | $65,000 | $268,000 | $58,000 | $125,000 |
| American Indian or Alaskan Native | 17 | $837,000 | $49,000 | $110,000 | $61,000 | $106,000 |
| Not applicable | 7 | $941,000 | $134,000 | $360,000 | $143,000 | $800,000 |
| Asian | 4 | $848,000 | $212,000 | $600,000 | $345,000 | $450,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $142,000 | $71,000 | $75,000 | $109,000 | $171,000 |
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) | 3,096 | $197,138,000 | $63,000 | $1,500,000 | $68,000 | $2,826,000 |
| 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 | 2,247 | $146,397,000 | $65,000 | $1,500,000 | $72,000 | $2,826,000 |
| Application Denied By Financial Institution | 401 | $19,804,000 | $49,000 | $400,000 | $44,000 | $212,000 |
| Application Approved But Not Accepted | 240 | $13,398,000 | $55,000 | $432,000 | $68,000 | $500,000 |
| Application Withdrawn By Applicant | 155 | $12,252,000 | $79,000 | $600,000 | $70,000 | $750,000 |
| Preapproval Denied by Financial Institution | 45 | $4,353,000 | $96,000 | $496,000 | $48,000 | $120,000 |
| File Closed For Incompleteness | 6 | $584,000 | $97,000 | $340,000 | $126,000 | $375,000 |
| Preapproval Approved but not Accepted | 2 | $350,000 | $175,000 | $300,000 | $147,000 | $278,000 |
| 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 | 190 | $7,009,000 | $36,000 | $496,000 | $47,000 | $212,000 |
| Other | 125 | $11,180,000 | $89,000 | $400,000 | $45,000 | $180,000 |
| Debt-To-Income Ratio | 72 | $3,670,000 | $50,000 | $384,000 | $42,000 | $107,000 |
| Employment History | 39 | $1,081,000 | $27,000 | $113,000 | $37,000 | $120,000 |
| Collateral | 19 | $1,084,000 | $57,000 | $179,000 | $51,000 | $119,000 |
| Unverifiable Information | 1 | $133,000 | $133,000 | $133,000 | $17,000 | $17,000 |
| 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 2006 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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