S&T Bank Mortgage Lending & HMDA Data, 2023
In 2023, S&T Bank of Indiana, PA reported 4,793 mortgage applications totaling $1.2 billion, down 18% from 2022. The average application was for $241,703, and applicants reported an average income of $152,208. 60% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Pittsburgh, PA (1,758), Montgomery County-Bucks County-Chester County, PA (336) and Harrisburg-Carlisle, PA (286) (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 | 4,793 |
| Total Mortgage Loan Application Amount | $1,158,485,000 |
| Average Mortgage Loan Application Amount | $241,703 |
| Highest Mortgage Loan Application Amount | $16,005,000 |
| Average Applicant Income | $152,208 |
| Highest Applicant Income | $6,960,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023
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 | 1,864 | $699,840,000 | $375,000 | $16,005,000 | $173,000 | $6,960,000 |
| Home Improvement | 1,159 | $136,005,000 | $117,000 | $2,005,000 | $147,000 | $5,040,000 |
| Refinancing | 1,112 | $242,300,000 | $217,000 | $7,005,000 | $144,000 | $2,292,000 |
| Other Purpose | 478 | $48,220,000 | $100,000 | $2,805,000 | $118,000 | $2,211,000 |
| Cash-out Refinancing | 180 | $32,120,000 | $178,000 | $685,000 | $112,000 | $388,000 |
| 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 | 3,280 | $662,280,000 | $201,000 | $7,005,000 | $139,000 | $2,292,000 |
| Not Provided | 701 | $150,845,000 | $215,000 | $4,605,000 | $185,000 | $6,960,000 |
| Not applicable | 392 | $194,560,000 | $496,000 | $16,005,000 | $0 | $0 |
| Black or African American | 155 | $42,145,000 | $271,000 | $2,615,000 | $160,000 | $1,001,000 |
| Asian | 138 | $67,450,000 | $488,000 | $2,955,000 | $236,000 | $1,121,000 |
| Hispanic | 62 | $19,060,000 | $307,000 | $1,945,000 | $163,000 | $990,000 |
| American Indian or Alaskan Native | 12 | $2,000,000 | $166,000 | $715,000 | $160,000 | $460,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 4,793 | $1,158,485,000 | $241,000 | $16,005,000 | $152,000 | $6,960,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 2,896 | $701,010,000 | $242,000 | $16,005,000 | $160,000 | $5,040,000 |
| Application Denied By Financial Institution | 1,088 | $186,820,000 | $171,000 | $4,605,000 | $116,000 | $2,045,000 |
| Application Withdrawn By Applicant | 297 | $121,525,000 | $409,000 | $9,975,000 | $188,000 | $1,459,000 |
| Application Approved But Not Accepted | 205 | $35,055,000 | $171,000 | $1,915,000 | $137,000 | $926,000 |
| Preapproval Approved but not Accepted | 148 | $56,500,000 | $381,000 | $2,955,000 | $144,000 | $639,000 |
| File Closed For Incompleteness | 108 | $41,560,000 | $384,000 | $2,005,000 | $238,000 | $6,960,000 |
| Preapproval Denied by Financial Institution | 51 | $16,015,000 | $314,000 | $1,615,000 | $95,000 | $405,000 |
| 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 | 3,654 | $955,650,000 | $261,000 | $16,005,000 | $163,000 | $6,960,000 |
| Credit History | 477 | $54,385,000 | $114,000 | $2,005,000 | $102,000 | $1,400,000 |
| Debt-To-Income Ratio | 318 | $84,170,000 | $264,000 | $1,595,000 | $90,000 | $693,000 |
| Collateral | 263 | $33,825,000 | $128,000 | $1,505,000 | $141,000 | $2,045,000 |
| Unverifiable Information | 39 | $8,395,000 | $215,000 | $2,105,000 | $237,000 | $1,300,000 |
| Other | 23 | $10,035,000 | $436,000 | $1,945,000 | $213,000 | $530,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $4,040,000 | $505,000 | $1,615,000 | $141,000 | $322,000 |
| Employment History | 6 | $5,580,000 | $930,000 | $4,605,000 | $124,000 | $411,000 |
| Credit Application Incomplete | 5 | $2,405,000 | $481,000 | $1,255,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S&T Bank's 2023 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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