Lender in Pennsylvania · HMDA 2025
S&T Bank mortgages in Pennsylvania
S&T Bank's 2025 home-purchase and refinance lending in Pennsylvania, compared with all lenders in the state.
S&T Bank originated 440 owner-occupied single-family loans in Pennsylvania from 481 completed applications.
Its median conventional purchase loan costs were $4,190 versus $5,880 for all Pennsylvania lenders, at a median 30-year fixed rate of 6.625% (Pennsylvania: 6.625%).
Loans in PA
440
of 481 applications
Denial rate
6.9%
Purchase · PA 6.7%
Rate spread
+0.09 pts
Conv. · PA +0.17 pts
Loan amount
$195,000
Purchase · PA $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 432 | 397 | 6.9% | 6.625% | +0.09 pts | $4,190 | $195,000 |
| Refinance | 26 | 20 | 19.2% | — | +0.19 pts | $4,110 | $175,000 |
| Cash-out refinance | 23 | 23 | 0.0% | — | +0.34 pts | $4,280 | $215,000 |
*Conventional loans only; medians with at least 20 loans.
Pennsylvania counties where S&T Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Jefferson County | 1 | 48 | 15.1% |
| Clearfield County | 4 | 32 | 4.5% |
| Indiana County | 6 | 25 | 4.3% |
| Clarion County | 6 | 13 | 4.9% |
| Westmoreland County | 14 | 77 | 1.9% |
| Cambria County | 16 | 15 | 1.4% |
| Elk County | 18 | 3 | 1.2% |
| Armstrong County | 21 | 7 | 1.4% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology