S&T Bank Mortgage Lending & HMDA Data, 2011
In 2011, S&T Bank of Indiana, PA reported 3,207 mortgage applications totaling $310.1 million, down 11% from 2010. The average application was for $96,679, and applicants reported an average income of $84,111. 61% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Pittsburgh, PA (1,730), Altoona, PA (30) and Johnstown, PA (22) (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 | 3,207 |
| Total Mortgage Loan Application Amount | $310,050,000 |
| Average Mortgage Loan Application Amount | $96,679 |
| Highest Mortgage Loan Application Amount | $7,420,000 |
| Average Applicant Income | $84,111 |
| Highest Applicant Income | $2,972,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2011
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 | 1,446 | $175,671,000 | $121,000 | $3,893,000 | $85,000 | $2,972,000 |
| Home Improvement | 1,023 | $32,063,000 | $31,000 | $539,000 | $75,000 | $1,220,000 |
| Home Purchase | 738 | $102,316,000 | $138,000 | $7,420,000 | $95,000 | $1,479,000 |
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 | 2,583 | $239,370,000 | $92,000 | $3,165,000 | $84,000 | $1,430,000 |
| Not Provided | 486 | $41,693,000 | $85,000 | $2,655,000 | $83,000 | $965,000 |
| Not applicable | 71 | $20,876,000 | $294,000 | $7,420,000 | $0 | $0 |
| Asian | 24 | $3,609,000 | $150,000 | $596,000 | $160,000 | $1,479,000 |
| Hispanic | 22 | $2,423,000 | $110,000 | $250,000 | $116,000 | $400,000 |
| Black or African American | 16 | $1,856,000 | $116,000 | $343,000 | $442,000 | $2,972,000 |
| American Indian or Alaskan Native | 4 | $219,000 | $54,000 | $60,000 | $39,000 | $111,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $4,000 | $4,000 | $4,000 | $50,000 | $50,000 |
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) | 3,207 | $310,050,000 | $96,000 | $7,420,000 | $84,000 | $2,972,000 |
| 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 | 1,943 | $192,131,000 | $98,000 | $7,420,000 | $89,000 | $2,972,000 |
| Application Denied By Financial Institution | 648 | $45,621,000 | $70,000 | $3,893,000 | $58,000 | $1,051,000 |
| Application Withdrawn By Applicant | 231 | $26,973,000 | $116,000 | $560,000 | $85,000 | $697,000 |
| Application Approved But Not Accepted | 199 | $13,458,000 | $67,000 | $300,000 | $108,000 | $942,000 |
| File Closed For Incompleteness | 113 | $22,198,000 | $196,000 | $2,655,000 | $105,000 | $965,000 |
| Preapproval Approved but not Accepted | 62 | $8,646,000 | $139,000 | $648,000 | $85,000 | $931,000 |
| Preapproval Denied by Financial Institution | 11 | $1,023,000 | $93,000 | $200,000 | $44,000 | $90,000 |
| 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 | 217 | $9,437,000 | $43,000 | $400,000 | $56,000 | $411,000 |
| Debt-To-Income Ratio | 190 | $11,307,000 | $59,000 | $500,000 | $46,000 | $203,000 |
| Other | 125 | $10,324,000 | $82,000 | $2,088,000 | $73,000 | $1,051,000 |
| Collateral | 69 | $8,933,000 | $129,000 | $1,380,000 | $86,000 | $653,000 |
| Employment History | 41 | $1,241,000 | $30,000 | $107,000 | $40,000 | $110,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $4,744,000 | $527,000 | $3,893,000 | $26,000 | $84,000 |
| Unverifiable Information | 3 | $519,000 | $173,000 | $400,000 | $49,000 | $85,000 |
| 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 2011 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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with aggregated HMDA statistics today.
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