Lender profile · HMDA 2023–2025
S&T Bank mortgage approval rates & lending data
S&T Bank decided 7,245 mortgage applications and funded 5,104 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 90% | 1,490 / 1,663 | 98% | $195K | 1,458 |
| Home improvement loans | 64% | 1,350 / 2,106 | 94% | $75K | 1,275 |
| Cash-out refinance | 96% | 176 / 184 | 99% | $125K | 174 |
| Refinance | 71% | 1,467 / 2,060 | 94% | $105K | 1,378 |
| Investment property purchase | 87% | 479 / 551 | 93% | $145K | 444 |
| Investment cash-out refinance | 88% | 49 / 56 | 100% | $155K | 49 |
| Investment refinance | 68% | 234 / 343 | 86% | $155K | 202 |
| Investment home improvement | 49% | 138 / 282 | 90% | $105K | 124 |
S&T Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 74% | $105K | 6,535 | 4,582 |
| Ohio | 80% | $305K | 416 | 314 |
| New Jersey | 71% | $405K | 85 | 59 |
| Maryland | 87% | $805K | 55 | 48 |
| Florida | 72% | $405K | 46 | 29 |
| Delaware | 58% | $155K | 24 | 12 |
| West Virginia | 79% | $85K | 14 | 11 |
| California | 92% | $1.46M | 13 | 12 |
| Illinois | 67% | $685K | 9 | 6 |
| New York | 50% | $185K | 6 | 3 |
| South Carolina | 83% | $65K | 6 | 4 |
| Tennessee | 67% | $595K | 6 | 4 |
| North Carolina | 80% | $385K | 5 | 2 |
| Texas | 75% | $725K | 4 | 3 |
| Connecticut | 67% | $85K | 3 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.