S&T Bank Mortgage Lending & HMDA Data, 2020
In 2020, S&T Bank of Indiana, PA reported 6,799 mortgage applications totaling $1.4 billion, up 14% from 2019. The average application was for $203,324, and applicants reported an average income of $129,488. 66% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Pittsburgh, PA (2,610), Harrisburg-Carlisle, PA (662) and Montgomery County-Bucks County-Chester County, PA (514) (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 | 6,799 |
| Total Mortgage Loan Application Amount | $1,382,405,000 |
| Average Mortgage Loan Application Amount | $203,324 |
| Highest Mortgage Loan Application Amount | $29,965,000 |
| Average Applicant Income | $129,488 |
| Highest Applicant Income | $9,014,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2020
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 | 2,888 | $619,840,000 | $214,000 | $20,885,000 | $133,000 | $4,449,000 |
| Home Purchase | 1,732 | $490,900,000 | $283,000 | $29,965,000 | $116,000 | $1,460,000 |
| Home Improvement | 909 | $79,115,000 | $87,000 | $2,505,000 | $125,000 | $4,449,000 |
| Other Purpose | 699 | $74,255,000 | $106,000 | $2,005,000 | $153,000 | $9,014,000 |
| Cash-out Refinancing | 571 | $118,295,000 | $207,000 | $1,505,000 | $131,000 | $1,500,000 |
| 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 | 4,384 | $791,640,000 | $180,000 | $4,365,000 | $124,000 | $4,449,000 |
| Not Provided | 1,774 | $224,030,000 | $126,000 | $2,805,000 | $142,000 | $9,014,000 |
| Not applicable | 381 | $310,665,000 | $815,000 | $29,965,000 | $0 | $0 |
| Asian | 122 | $29,320,000 | $240,000 | $765,000 | $149,000 | $457,000 |
| Black or African American | 62 | $10,100,000 | $162,000 | $555,000 | $99,000 | $294,000 |
| Hispanic | 53 | $11,035,000 | $208,000 | $485,000 | $126,000 | $780,000 |
| American Indian or Alaskan Native | 9 | $795,000 | $88,000 | $225,000 | $400,000 | $3,110,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $565,000 | $188,000 | $205,000 | $114,000 | $135,000 |
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) | 6,770 | $1,378,230,000 | $203,000 | $29,965,000 | $130,000 | $9,014,000 |
| FHA-insured (Federal Housing Administration) | 19 | $2,495,000 | $131,000 | $235,000 | $81,000 | $244,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,680,000 | $168,000 | $295,000 | $77,000 | $122,000 |
| 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 | 4,497 | $950,735,000 | $211,000 | $29,965,000 | $134,000 | $9,014,000 |
| Application Denied By Financial Institution | 855 | $129,805,000 | $151,000 | $14,105,000 | $99,000 | $1,896,000 |
| Application Withdrawn By Applicant | 777 | $170,725,000 | $219,000 | $7,005,000 | $135,000 | $3,509,000 |
| Application Approved But Not Accepted | 302 | $42,780,000 | $141,000 | $1,405,000 | $125,000 | $1,148,000 |
| File Closed For Incompleteness | 259 | $64,805,000 | $250,000 | $4,365,000 | $156,000 | $1,700,000 |
| Preapproval Approved but not Accepted | 74 | $17,030,000 | $230,000 | $1,205,000 | $99,000 | $513,000 |
| Preapproval Denied by Financial Institution | 35 | $6,525,000 | $186,000 | $655,000 | $67,000 | $223,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 5,909 | $1,246,075,000 | $210,000 | $29,965,000 | $135,000 | $9,014,000 |
| Credit History | 408 | $36,210,000 | $88,000 | $1,205,000 | $94,000 | $680,000 |
| Collateral | 252 | $35,030,000 | $139,000 | $1,005,000 | $119,000 | $1,896,000 |
| Debt-To-Income Ratio | 172 | $38,940,000 | $226,000 | $1,475,000 | $65,000 | $398,000 |
| Unverifiable Information | 32 | $4,980,000 | $155,000 | $595,000 | $139,000 | $445,000 |
| Other | 15 | $18,795,000 | $1,253,000 | $14,105,000 | $94,000 | $226,000 |
| Employment History | 7 | $1,175,000 | $167,000 | $285,000 | $78,000 | $217,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $570,000 | $285,000 | $375,000 | $101,000 | $122,000 |
| Credit Application Incomplete | 2 | $630,000 | $315,000 | $445,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S&T Bank's 2020 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.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About