S&T Bank Mortgage Lending & HMDA Data, 2019
In 2019, S&T Bank of Indiana, PA reported 5,944 mortgage applications totaling $1.0 billion, up 34% from 2018. The average application was for $172,288, and applicants reported an average income of $114,610. 64% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Pittsburgh, PA (2,491), Harrisburg-Carlisle, PA (502) and Johnstown, PA (218) (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 | 5,944 |
| Total Mortgage Loan Application Amount | $1,024,080,000 |
| Average Mortgage Loan Application Amount | $172,288 |
| Highest Mortgage Loan Application Amount | $36,195,000 |
| Average Applicant Income | $114,610 |
| Highest Applicant Income | $4,200,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2019
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 | 2,148 | $494,040,000 | $230,000 | $23,005,000 | $118,000 | $3,970,000 |
| Refinancing | 1,681 | $334,855,000 | $199,000 | $36,195,000 | $112,000 | $1,200,000 |
| Home Improvement | 1,027 | $67,665,000 | $65,000 | $1,205,000 | $109,000 | $4,200,000 |
| Other Purpose | 680 | $50,570,000 | $74,000 | $1,755,000 | $106,000 | $1,635,000 |
| Cash-out Refinancing | 408 | $76,950,000 | $188,000 | $1,875,000 | $136,000 | $1,070,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 3,430 | $503,660,000 | $146,000 | $3,305,000 | $109,000 | $3,684,000 |
| Not Provided | 1,905 | $186,755,000 | $98,000 | $1,855,000 | $121,000 | $4,200,000 |
| Not applicable | 445 | $302,705,000 | $680,000 | $36,195,000 | $0 | $0 |
| Asian | 70 | $14,520,000 | $207,000 | $585,000 | $208,000 | $1,200,000 |
| Black or African American | 51 | $7,395,000 | $145,000 | $335,000 | $79,000 | $345,000 |
| Hispanic | 33 | $6,685,000 | $202,000 | $1,875,000 | $116,000 | $665,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $230,000 | $115,000 | $135,000 | $81,000 | $122,000 |
| American Indian or Alaskan Native | 1 | $15,000 | $15,000 | $15,000 | $38,000 | $38,000 |
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) | 5,920 | $1,021,120,000 | $172,000 | $36,195,000 | $115,000 | $4,200,000 |
| FHA-insured (Federal Housing Administration) | 21 | $2,605,000 | $124,000 | $285,000 | $65,000 | $180,000 |
| VA-guaranteed (Veterans Administration) | 3 | $355,000 | $118,000 | $155,000 | $37,000 | $71,000 |
| 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 | 3,806 | $696,580,000 | $183,000 | $36,195,000 | $119,000 | $3,684,000 |
| Application Denied By Financial Institution | 809 | $90,285,000 | $111,000 | $1,875,000 | $81,000 | $936,000 |
| Application Withdrawn By Applicant | 460 | $92,670,000 | $201,000 | $2,205,000 | $155,000 | $3,970,000 |
| Preapproval Approved but not Accepted | 432 | $80,370,000 | $186,000 | $1,905,000 | $90,000 | $775,000 |
| Application Approved But Not Accepted | 284 | $33,490,000 | $117,000 | $1,505,000 | $144,000 | $4,200,000 |
| Preapproval Denied by Financial Institution | 99 | $15,105,000 | $152,000 | $965,000 | $56,000 | $310,000 |
| File Closed For Incompleteness | 53 | $15,505,000 | $292,000 | $3,305,000 | $93,000 | $300,000 |
| Loan Purchased By The Institution | 1 | $75,000 | $75,000 | $75,000 | $39,000 | $39,000 |
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 | 5,036 | $918,690,000 | $182,000 | $36,195,000 | $121,000 | $4,200,000 |
| Credit History | 446 | $35,130,000 | $78,000 | $905,000 | $76,000 | $936,000 |
| Collateral | 225 | $18,745,000 | $83,000 | $1,875,000 | $91,000 | $692,000 |
| Debt-To-Income Ratio | 212 | $46,020,000 | $217,000 | $1,505,000 | $59,000 | $431,000 |
| Unverifiable Information | 10 | $2,870,000 | $287,000 | $905,000 | $202,000 | $679,000 |
| Employment History | 8 | $370,000 | $46,000 | $75,000 | $37,000 | $88,000 |
| Other | 7 | $2,255,000 | $322,000 | $1,265,000 | $105,000 | $138,000 |
| 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 2019 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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