S&T Bank Mortgage Lending & HMDA Data, 2022
In 2022, S&T Bank of Indiana, PA reported 5,868 mortgage applications totaling $1.5 billion, down 14% from 2021. The average application was for $256,274, and applicants reported an average income of $142,264. 67% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Pittsburgh, PA (2,257), Montgomery County-Bucks County-Chester County, PA (478) and Harrisburg-Carlisle, PA (348) (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 | 5,868 |
| Total Mortgage Loan Application Amount | $1,503,820,000 |
| Average Mortgage Loan Application Amount | $256,274 |
| Highest Mortgage Loan Application Amount | $30,705,000 |
| Average Applicant Income | $142,264 |
| Highest Applicant Income | $7,315,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2022
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 | 1,679 | $784,525,000 | $467,000 | $30,705,000 | $173,000 | $5,838,000 |
| Home Improvement | 1,628 | $184,870,000 | $113,000 | $2,005,000 | $125,000 | $2,544,000 |
| Refinancing | 1,466 | $364,380,000 | $248,000 | $24,005,000 | $137,000 | $7,315,000 |
| Other Purpose | 751 | $83,105,000 | $110,000 | $1,465,000 | $120,000 | $2,050,000 |
| Cash-out Refinancing | 344 | $86,940,000 | $252,000 | $4,005,000 | $145,000 | $5,184,000 |
| 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 | 4,006 | $803,330,000 | $200,000 | $6,505,000 | $136,000 | $7,315,000 |
| Not Provided | 1,044 | $239,260,000 | $229,000 | $4,345,000 | $151,000 | $4,800,000 |
| Not applicable | 415 | $354,805,000 | $854,000 | $30,705,000 | $0 | $0 |
| Black or African American | 155 | $31,755,000 | $204,000 | $2,185,000 | $121,000 | $900,000 |
| Asian | 139 | $44,215,000 | $318,000 | $1,775,000 | $199,000 | $1,600,000 |
| Hispanic | 72 | $19,170,000 | $266,000 | $1,805,000 | $162,000 | $1,479,000 |
| American Indian or Alaskan Native | 17 | $2,705,000 | $159,000 | $505,000 | $275,000 | $687,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $160,000 | $80,000 | $85,000 | $90,000 | $146,000 |
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) | 5,854 | $1,501,530,000 | $256,000 | $30,705,000 | $141,000 | $7,315,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,395,000 | $126,000 | $375,000 | $72,000 | $150,000 |
| VA-guaranteed (Veterans Administration) | 3 | $895,000 | $298,000 | $415,000 | $102,000 | $268,000 |
| 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 | 3,923 | $1,012,845,000 | $258,000 | $24,055,000 | $148,000 | $7,315,000 |
| Application Denied By Financial Institution | 990 | $146,160,000 | $147,000 | $4,345,000 | $103,000 | $1,600,000 |
| Application Approved But Not Accepted | 346 | $80,620,000 | $233,000 | $24,005,000 | $141,000 | $4,800,000 |
| Application Withdrawn By Applicant | 286 | $131,840,000 | $460,000 | $30,705,000 | $184,000 | $2,692,000 |
| File Closed For Incompleteness | 148 | $62,660,000 | $423,000 | $2,105,000 | $162,000 | $642,000 |
| Preapproval Approved but not Accepted | 120 | $48,990,000 | $408,000 | $1,905,000 | $133,000 | $640,000 |
| Preapproval Denied by Financial Institution | 49 | $19,235,000 | $392,000 | $1,805,000 | $88,000 | $408,000 |
| Loan Purchased By The Institution | 6 | $1,470,000 | $245,000 | $455,000 | $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 | 4,829 | $1,338,425,000 | $277,000 | $30,705,000 | $150,000 | $7,315,000 |
| Credit History | 500 | $56,830,000 | $113,000 | $1,095,000 | $85,000 | $780,000 |
| Collateral | 327 | $44,405,000 | $135,000 | $4,345,000 | $137,000 | $1,600,000 |
| Debt-To-Income Ratio | 172 | $52,270,000 | $303,000 | $2,105,000 | $63,000 | $408,000 |
| Unverifiable Information | 25 | $6,705,000 | $268,000 | $2,005,000 | $237,000 | $1,352,000 |
| Other | 7 | $1,335,000 | $190,000 | $605,000 | $126,000 | $225,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $2,835,000 | $567,000 | $2,385,000 | $141,000 | $407,000 |
| Employment History | 3 | $1,015,000 | $338,000 | $905,000 | $62,000 | $153,000 |
| Credit Application Incomplete | 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 2022 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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