S&T Bank Mortgage Lending & HMDA Data, 2018
In 2018, S&T Bank of Indiana, PA reported 4,421 mortgage applications totaling $737.4 million, up 90% from 2017. The average application was for $166,791, and applicants reported an average income of $107,214. 61% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Pittsburgh, PA (1,904), Harrisburg-Carlisle, PA (352) and Johnstown, PA (163) (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 | 4,421 |
| Total Mortgage Loan Application Amount | $737,385,000 |
| Average Mortgage Loan Application Amount | $166,791 |
| Highest Mortgage Loan Application Amount | $22,065,000 |
| Average Applicant Income | $107,214 |
| Highest Applicant Income | $7,767,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2018
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 | 1,802 | $419,970,000 | $233,000 | $22,065,000 | $110,000 | $7,767,000 |
| Refinancing | 904 | $168,080,000 | $185,000 | $15,005,000 | $105,000 | $882,000 |
| Home Improvement | 710 | $42,470,000 | $59,000 | $755,000 | $95,000 | $783,000 |
| Other Purpose | 520 | $39,720,000 | $76,000 | $795,000 | $109,000 | $1,116,000 |
| Cash-out Refinancing | 483 | $66,735,000 | $138,000 | $2,305,000 | $117,000 | $1,428,000 |
| Not Applicable | 2 | $410,000 | $205,000 | $385,000 | $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 | 2,654 | $347,240,000 | $130,000 | $1,365,000 | $105,000 | $7,767,000 |
| Not Provided | 1,211 | $115,115,000 | $95,000 | $2,305,000 | $111,000 | $1,428,000 |
| Not applicable | 416 | $252,610,000 | $607,000 | $22,065,000 | $421,000 | $421,000 |
| Asian | 83 | $15,435,000 | $185,000 | $605,000 | $132,000 | $673,000 |
| Black or African American | 37 | $4,465,000 | $120,000 | $765,000 | $68,000 | $250,000 |
| Hispanic | 17 | $2,065,000 | $121,000 | $405,000 | $103,000 | $260,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 4,412 | $736,040,000 | $166,000 | $22,065,000 | $107,000 | $7,767,000 |
| FHA-insured (Federal Housing Administration) | 8 | $1,010,000 | $126,000 | $195,000 | $57,000 | $149,000 |
| VA-guaranteed (Veterans Administration) | 1 | $335,000 | $335,000 | $335,000 | $120,000 | $120,000 |
| 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 | 2,685 | $465,825,000 | $173,000 | $17,105,000 | $121,000 | $7,767,000 |
| Application Denied By Financial Institution | 595 | $63,495,000 | $106,000 | $4,565,000 | $75,000 | $518,000 |
| Preapproval Approved but not Accepted | 438 | $77,760,000 | $177,000 | $845,000 | $87,000 | $430,000 |
| Application Withdrawn By Applicant | 343 | $84,285,000 | $245,000 | $22,065,000 | $99,000 | $1,079,000 |
| Application Approved But Not Accepted | 253 | $26,615,000 | $105,000 | $1,415,000 | $105,000 | $583,000 |
| Preapproval Denied by Financial Institution | 65 | $7,955,000 | $122,000 | $565,000 | $54,000 | $266,000 |
| File Closed For Incompleteness | 40 | $11,040,000 | $276,000 | $3,755,000 | $71,000 | $216,000 |
| Loan Purchased By The Institution | 2 | $410,000 | $205,000 | $385,000 | $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 | 3,761 | $665,935,000 | $177,000 | $22,065,000 | $113,000 | $7,767,000 |
| Credit History | 343 | $22,475,000 | $65,000 | $555,000 | $65,000 | $305,000 |
| Debt-To-Income Ratio | 159 | $30,235,000 | $190,000 | $1,505,000 | $58,000 | $233,000 |
| Collateral | 134 | $10,360,000 | $77,000 | $605,000 | $99,000 | $518,000 |
| Unverifiable Information | 7 | $1,895,000 | $270,000 | $605,000 | $144,000 | $450,000 |
| Other | 6 | $5,360,000 | $893,000 | $4,565,000 | $107,000 | $180,000 |
| Credit Application Incomplete | 5 | $335,000 | $67,000 | $125,000 | $162,000 | $300,000 |
| Employment History | 4 | $590,000 | $147,000 | $235,000 | $53,000 | $74,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $200,000 | $100,000 | $155,000 | $46,000 | $68,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S&T Bank's 2018 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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