S&T Bank Mortgage Lending & HMDA Data, 2016
In 2016, S&T Bank of Indiana, PA reported 2,582 mortgage applications totaling $480.7 million, down 12% from 2015. The average application was for $186,187, and applicants reported an average income of $76,374. 71% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Pittsburgh, PA (1,015), Harrisburg-Carlisle, PA (336) and Johnstown, PA (128) (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 | 2,582 |
| Total Mortgage Loan Application Amount | $480,736,000 |
| Average Mortgage Loan Application Amount | $186,187 |
| Highest Mortgage Loan Application Amount | $26,497,000 |
| Average Applicant Income | $76,374 |
| Highest Applicant Income | $2,107,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2016
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 | 1,388 | $308,916,000 | $222,000 | $26,497,000 | $78,000 | $2,107,000 |
| Refinancing | 712 | $145,818,000 | $204,000 | $5,300,000 | $87,000 | $1,594,000 |
| Home Improvement | 482 | $26,002,000 | $53,000 | $4,900,000 | $56,000 | $1,250,000 |
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 | 1,747 | $253,093,000 | $144,000 | $1,615,000 | $92,000 | $2,107,000 |
| Not applicable | 367 | $175,524,000 | $478,000 | $26,497,000 | $0 | $0 |
| Not Provided | 331 | $25,631,000 | $77,000 | $792,000 | $65,000 | $436,000 |
| Asian | 85 | $19,693,000 | $231,000 | $918,000 | $135,000 | $710,000 |
| Black or African American | 28 | $2,934,000 | $104,000 | $311,000 | $73,000 | $215,000 |
| Hispanic | 23 | $3,858,000 | $167,000 | $650,000 | $86,000 | $349,000 |
| American Indian or Alaskan Native | 1 | $3,000 | $3,000 | $3,000 | $27,000 | $27,000 |
| Native Hawaiin 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) | 2,567 | $478,024,000 | $186,000 | $26,497,000 | $76,000 | $2,107,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,756,000 | $195,000 | $417,000 | $90,000 | $221,000 |
| FHA-insured (Federal Housing Administration) | 6 | $956,000 | $159,000 | $263,000 | $86,000 | $144,000 |
| 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 | 1,827 | $363,682,000 | $199,000 | $26,497,000 | $83,000 | $2,107,000 |
| Application Denied By Financial Institution | 232 | $28,261,000 | $121,000 | $1,519,000 | $44,000 | $710,000 |
| Application Withdrawn By Applicant | 181 | $42,345,000 | $233,000 | $5,200,000 | $83,000 | $414,000 |
| File Closed For Incompleteness | 127 | $23,516,000 | $185,000 | $1,118,000 | $81,000 | $343,000 |
| Application Approved But Not Accepted | 118 | $14,141,000 | $119,000 | $772,000 | $61,000 | $388,000 |
| Preapproval Denied by Financial Institution | 97 | $8,791,000 | $90,000 | $359,000 | $42,000 | $331,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S&T Bank's 2016 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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