Applications / Mortgage Analytics / Lenders / Pennsylvania / S&T Bank
Indiana, PA · State non-member bank · FDIC · $9.9 billion assets · 2,617 loans in 2025
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2,617
loans originated, 2025
4,101
applications, 2025
13
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
S&T Bank is an all-conventional lender of small, low-priced loans, with a typical loan of $125,000 against $205,000 at similar lenders, and in 2025 it grew more slowly than most of them.
Its typical loan was $125,000, lower than about nine in ten similar lenders (state non-member banks making between half and twice as many loans), whose typical loan was $205,000. Its typical rate of 6.25% and 0.1% share of higher-priced loans (a rate well above the average for similar loans) are both lower than most peers. Home-improvement and other-purpose loans, 24.3% and 13.9% of its lending, may explain both.
All its loans were conventional, while peers made 3.5% of theirs FHA (insured by the Federal Housing Administration). Refinancing was its largest purpose at 36.8%, ahead of purchase at 25.0%, so much of its lending goes to existing homeowners.
LMI (low- and moderate-income) borrowers took 35.4% of loans, up from 25.6% five years before and higher than about four in five peers. Its shares in LMI tracts (13.4%) and majority-minority tracts (4.1%) are lower than about seven in ten peers, possibly reflecting a footprint with fewer such tracts.
It ranks 10 of 571 in Pittsburgh with an unchanged 2.5% share. Its Columbus share fell to 0.5% from 1.1% while Cleveland rose to 0.7% from 0.3%. Growth of 5% trailed the typical peer's 13%, and its 2,617 loans are about half the 4,875 of 2021.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. S&T Bank took 4,101 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 36.8% · Purchase 25.0% · Home improvement 24.3% · Other 13.9%
Conventional 100.0% · of 2,617 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 2,442 | 93.3% |
| Ohio | 133 | 5.1% |
| New Jersey | 15 | 0.6% |
| Florida | 6 | 0.2% |
| Maryland | 6 | 0.2% |
| Delaware | 4 | 0.2% |
| Georgia | 2 | 0.1% |
| South Carolina | 2 | 0.1% |
| West Virginia | 2 | 0.1% |
| Indiana | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsburgh | 1,175 |
| Montgomery County-Bucks County-Chester County | 243 |
| Harrisburg-Carlisle | 93 |
| Johnstown | 89 |
| Philadelphia | 77 |
| Lancaster | 70 |
| Columbus | 60 |
| Altoona | 54 |
| Cleveland | 32 |
| Akron | 23 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | MCXHCL35UUWDZK7NCQ61 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 936426 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311124 | 1992–2017 |
Established 21 May 1902. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: S&T Bank's data.
S&T Bank's data
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