S&T Bank Mortgage Lending & HMDA Data, 2021
In 2021, S&T Bank of Indiana, PA reported 6,848 mortgage applications totaling $1.5 billion, up 1% from 2020. The average application was for $218,352, and applicants reported an average income of $125,225. 71% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Pittsburgh, PA (2,754), Harrisburg-Carlisle, PA (535) and Montgomery County-Bucks County-Chester County, PA (412) (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 | 6,848 |
| Total Mortgage Loan Application Amount | $1,495,280,000 |
| Average Mortgage Loan Application Amount | $218,352 |
| Highest Mortgage Loan Application Amount | $31,605,000 |
| Average Applicant Income | $125,225 |
| Highest Applicant Income | $2,664,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021
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 | 2,630 | $538,460,000 | $204,000 | $7,005,000 | $125,000 | $2,664,000 |
| Home Purchase | 1,692 | $639,860,000 | $378,000 | $31,605,000 | $132,000 | $2,400,000 |
| Home Improvement | 1,204 | $117,130,000 | $97,000 | $2,945,000 | $120,000 | $1,648,000 |
| Other Purpose | 819 | $87,045,000 | $106,000 | $2,005,000 | $121,000 | $2,664,000 |
| Cash-out Refinancing | 503 | $112,785,000 | $224,000 | $1,925,000 | $123,000 | $1,017,000 |
| 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 | 4,657 | $810,305,000 | $173,000 | $3,045,000 | $122,000 | $2,664,000 |
| Not Provided | 1,363 | $216,015,000 | $158,000 | $2,255,000 | $131,000 | $2,258,000 |
| Not applicable | 486 | $393,810,000 | $810,000 | $31,605,000 | $0 | $0 |
| Asian | 132 | $33,020,000 | $250,000 | $1,445,000 | $177,000 | $1,848,000 |
| Black or African American | 112 | $21,660,000 | $193,000 | $1,285,000 | $114,000 | $556,000 |
| Hispanic | 67 | $13,085,000 | $195,000 | $1,385,000 | $159,000 | $1,717,000 |
| American Indian or Alaskan Native | 8 | $1,360,000 | $170,000 | $505,000 | $210,000 | $668,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $190,000 | $95,000 | $165,000 | $61,000 | $114,000 |
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) | 6,831 | $1,492,465,000 | $218,000 | $31,605,000 | $125,000 | $2,664,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,720,000 | $143,000 | $355,000 | $80,000 | $258,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,095,000 | $219,000 | $305,000 | $75,000 | $115,000 |
| 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 | 4,875 | $1,083,745,000 | $222,000 | $31,605,000 | $131,000 | $2,664,000 |
| Application Denied By Financial Institution | 837 | $111,105,000 | $132,000 | $2,075,000 | $86,000 | $830,000 |
| Application Withdrawn By Applicant | 470 | $146,840,000 | $312,000 | $10,905,000 | $127,000 | $956,000 |
| Application Approved But Not Accepted | 312 | $56,140,000 | $179,000 | $1,765,000 | $135,000 | $1,500,000 |
| File Closed For Incompleteness | 250 | $74,640,000 | $298,000 | $1,785,000 | $161,000 | $2,400,000 |
| Preapproval Approved but not Accepted | 83 | $17,735,000 | $213,000 | $625,000 | $95,000 | $613,000 |
| Preapproval Denied by Financial Institution | 21 | $5,075,000 | $241,000 | $605,000 | $53,000 | $120,000 |
| 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 | 5,990 | $1,379,100,000 | $230,000 | $31,605,000 | $131,000 | $2,664,000 |
| Credit History | 378 | $35,130,000 | $92,000 | $1,575,000 | $72,000 | $500,000 |
| Collateral | 294 | $34,940,000 | $118,000 | $1,775,000 | $109,000 | $830,000 |
| Debt-To-Income Ratio | 157 | $38,785,000 | $247,000 | $2,075,000 | $61,000 | $258,000 |
| Other | 11 | $2,545,000 | $231,000 | $1,075,000 | $98,000 | $378,000 |
| Unverifiable Information | 8 | $650,000 | $81,000 | $155,000 | $194,000 | $720,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,075,000 | $215,000 | $465,000 | $75,000 | $145,000 |
| Employment History | 3 | $965,000 | $321,000 | $665,000 | $93,000 | $234,000 |
| Credit Application Incomplete | 2 | $2,090,000 | $1,045,000 | $1,835,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S&T Bank's 2021 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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