S&T Bank Mortgage Lending & HMDA Data, 2024
In 2024, S&T Bank of Indiana, PA reported 3,994 mortgage applications totaling $1.0 billion, down 17% from 2023. The average application was for $259,354, and applicants reported an average income of $148,589. 63% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Pittsburgh, PA (1,761), Montgomery County-Bucks County-Chester County, PA (311) and Harrisburg-Carlisle, PA (203) (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 | 3,994 |
| Total Mortgage Loan Application Amount | $1,035,860,000 |
| Average Mortgage Loan Application Amount | $259,354 |
| Highest Mortgage Loan Application Amount | $58,005,000 |
| Average Applicant Income | $148,589 |
| Highest Applicant Income | $2,743,000 |
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Disclosure Act (HMDA) records S&T Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024
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 | 1,217 | $559,795,000 | $459,000 | $58,005,000 | $167,000 | $2,535,000 |
| Refinancing | 1,076 | $267,570,000 | $248,000 | $22,005,000 | $148,000 | $2,520,000 |
| Home Improvement | 999 | $119,505,000 | $119,000 | $2,565,000 | $149,000 | $2,743,000 |
| Other Purpose | 562 | $61,400,000 | $109,000 | $2,645,000 | $115,000 | $1,704,000 |
| Cash-out Refinancing | 140 | $27,590,000 | $197,000 | $3,155,000 | $125,000 | $803,000 |
| 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 | 3,117 | $585,295,000 | $187,000 | $4,005,000 | $144,000 | $2,535,000 |
| Not Provided | 242 | $59,590,000 | $246,000 | $3,005,000 | $195,000 | $2,743,000 |
| Not applicable | 236 | $297,610,000 | $1,261,000 | $58,005,000 | $0 | $0 |
| Black or African American | 201 | $37,205,000 | $185,000 | $1,805,000 | $110,000 | $1,147,000 |
| Asian | 126 | $45,030,000 | $357,000 | $2,395,000 | $224,000 | $1,475,000 |
| Hispanic | 66 | $10,210,000 | $154,000 | $905,000 | $138,000 | $540,000 |
| American Indian or Alaskan Native | 6 | $920,000 | $153,000 | $485,000 | $83,000 | $178,000 |
| 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) | 3,994 | $1,035,860,000 | $259,000 | $58,005,000 | $148,000 | $2,743,000 |
| 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 | 2,501 | $719,935,000 | $287,000 | $58,005,000 | $159,000 | $2,535,000 |
| Application Denied By Financial Institution | 942 | $140,550,000 | $149,000 | $3,005,000 | $118,000 | $2,743,000 |
| Application Withdrawn By Applicant | 230 | $108,620,000 | $472,000 | $19,005,000 | $177,000 | $1,704,000 |
| Application Approved But Not Accepted | 179 | $24,575,000 | $137,000 | $3,005,000 | $135,000 | $1,460,000 |
| File Closed For Incompleteness | 85 | $23,785,000 | $279,000 | $1,085,000 | $127,000 | $910,000 |
| Preapproval Approved but not Accepted | 40 | $15,170,000 | $379,000 | $2,045,000 | $163,000 | $1,066,000 |
| Preapproval Denied by Financial Institution | 17 | $3,225,000 | $189,000 | $365,000 | $64,000 | $163,000 |
| 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 | 3,035 | $892,085,000 | $293,000 | $58,005,000 | $158,000 | $2,535,000 |
| Debt-To-Income Ratio | 356 | $65,520,000 | $184,000 | $1,205,000 | $86,000 | $551,000 |
| Credit History | 320 | $28,320,000 | $88,000 | $745,000 | $101,000 | $756,000 |
| Collateral | 216 | $33,080,000 | $153,000 | $3,005,000 | $185,000 | $2,743,000 |
| Unverifiable Information | 39 | $6,445,000 | $165,000 | $735,000 | $134,000 | $525,000 |
| Other | 19 | $5,475,000 | $288,000 | $1,095,000 | $145,000 | $480,000 |
| Credit Application Incomplete | 3 | $3,895,000 | $1,298,000 | $2,105,000 | $0 | $0 |
| Employment History | 3 | $315,000 | $105,000 | $155,000 | $33,000 | $46,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $725,000 | $241,000 | $335,000 | $48,000 | $77,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S&T Bank's 2024 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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