S&t Bank Mortgage Rates, Fees & Info

Indiana, PA

LEI: MCXHCL35UUWDZK7NCQ61

Tax ID: 25-0776600

5 stars - Updated: 3/17/24 - out of 5 stars, based on 63 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

S&t Bank is a small bank specializing in Home Purchase and Refi loans. S&t Bank has a high proportion of conventional loans. Their top markets by origination volume include: Pittsburgh, Philadelphia, Harrisburg, Columbus, and Lancaster among others. We have data for 100 markets. (Some data included below & more in-depth data is available with an active subscription.)

S&t Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. S&t Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.27% 3/17/24
30 Year Conventional Purchase 6.38% 3/17/24
30 Year Conventional Refi 6.27% 3/17/24
30 Year Cash-out Refi 6.03% 3/17/24
30 Year FHA Purchase 6.27% 3/17/24
30 Year FHA Refi 6.27% 3/17/24
30 Year VA Purchase 6.27% 3/17/24
15 Year Conventional Purchase 6.42% 3/17/24
15 Year Conventional Refi 5.84% 3/17/24
15 Year Cash-out Refi 5.84% 3/17/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

S&t Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from S&t Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

3,923

Origination Dollar Volume (All Markets)

$1,012,845,000

Awards

S&T Bank 30 Year Conventional Loans bronze S&T Bank 30 Year Conventional Loans bronze
Show all (2) awards

Relative Rate

S&t Bank's average 30 year fixed mortgage rate was 5.22%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.46%.

Relative Fees (Closing Costs)

S&t Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $5,012.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
PITTSBURGH, PA (FHA|USDA|VA) 1,552 $278,700,000 $179,575 $4,671 3.80%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 506 $161,850,000 $319,862 $6,272 3.64%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 252 $101,230,000 $401,706 $5,400 4.21%
COLUMBUS, OH (FHA|USDA|VA) 62 $66,950,000 $1,079,839 $5,907 4.59%
LANCASTER, PA (FHA|USDA|VA) 148 $35,930,000 $242,770 $5,588 3.92%
Outside of Metro Areas 318 $34,540,000 $108,616 $3,431 3.87%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 31 $24,415,000 $787,581 $7,401 4.08%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $24,320,000 $12,160,000 $2,968 5.55%
Indiana, PA (FHA|USDA|VA) 230 $24,210,000 $105,261 $2,928 3.71%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 23 $21,685,000 $942,826 $8,863 4.21%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 50 $15,490,000 $309,800 $4,686 4.29%
AKRON, OH (FHA|USDA|VA) 58 $14,820,000 $255,517 $4,478 4.29%
DuBois, PA (FHA|USDA|VA) 138 $13,910,000 $100,797 $3,071 4.19%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 17 $13,475,000 $792,647 $8,748 4.34%
JOHNSTOWN, PA (FHA|USDA|VA) 141 $13,365,000 $94,787 $2,980 3.54%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 7 $13,145,000 $1,877,857 $14,185 4.33%
Easton, MD (FHA|USDA|VA) 2 $11,860,000 $5,930,000 $0 2.12%
CANTON-MASSILLON, OH (FHA|USDA|VA) 13 $11,775,000 $905,769 $3,832 3.91%
OCEAN CITY, NJ (FHA|USDA|VA) 8 $11,220,000 $1,402,500 $12,311 3.94%
YORK-HANOVER, PA (FHA|USDA|VA) 54 $10,780,000 $199,630 $5,834 4.06%
ALTOONA, PA (FHA|USDA|VA) 65 $9,145,000 $140,692 $4,881 3.92%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 6 $7,200,000 $1,200,000 $6,775 4.29%
READING, PA (FHA|USDA|VA) 21 $5,535,000 $263,571 $3,948 3.89%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $3,805,000 $1,268,333 $4,363 4.68%
St. Marys, PA (FHA|USDA|VA) 19 $3,535,000 $186,053 $4,271 4.10%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 6 $3,410,000 $568,333 $0 4.20%
SALISBURY, MD-DE (FHA|USDA|VA) 6 $3,400,000 $566,667 $8,719 3.97%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 5 $3,305,000 $661,000 $6,141 3.97%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $3,245,000 $3,245,000 $19,236 5.13%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 11 $2,815,000 $255,909 $2,994 4.48%
BRUNSWICK, GA (FHA|USDA|VA) 1 $2,805,000 $2,805,000 $11,011 4.38%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 4 $2,790,000 $697,500 $5,097 4.47%
New Castle, PA (FHA|USDA|VA) 22 $2,710,000 $123,182 $3,494 3.92%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $2,435,000 $2,435,000 $0 5.00%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 3 $2,365,000 $788,333 $5,717 4.96%
GETTYSBURG, PA (FHA|USDA|VA) 4 $2,270,000 $567,500 $7,786 4.44%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 10 $2,100,000 $210,000 $2,123 4.90%
LEBANON, PA (FHA|USDA|VA) 8 $1,990,000 $248,750 $6,064 3.71%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 3 $1,925,000 $641,667 $0 4.91%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $1,920,000 $960,000 $5,804 5.25%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $1,870,000 $935,000 $5,371 4.94%
Sandusky, OH (FHA|USDA|VA) 3 $1,725,000 $575,000 $10,002 3.24%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $1,715,000 $1,715,000 $5,027 5.63%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $1,715,000 $1,715,000 $7,759 5.75%
Somerset, PA (FHA|USDA|VA) 12 $1,630,000 $135,833 $4,676 4.34%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $1,575,000 $1,575,000 $6,336 5.00%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $1,505,000 $1,505,000 $0 0.99%
Kill Devil Hills, NC (FHA|USDA|VA) 2 $1,410,000 $705,000 $9,283 3.94%
ROCHESTER, NY (FHA|USDA|VA) 4 $1,370,000 $342,500 $0 4.65%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $1,285,000 $1,285,000 $11,073 4.75%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $1,285,000 $428,333 $5,094 4.83%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $1,280,000 $640,000 $4,744 4.00%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 6 $1,210,000 $201,667 $2,761 3.52%
RENO, NV (FHA|USDA|VA) 1 $1,175,000 $1,175,000 $6,025 5.00%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $1,090,000 $545,000 $7,368 2.93%
PANAMA CITY, FL (FHA|USDA|VA) 2 $890,000 $445,000 $0 5.66%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $825,000 $825,000 $3,152 5.00%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 3 $825,000 $275,000 $4,588 1.58%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $785,000 $785,000 $6,467 5.25%
RICHMOND, VA (FHA|USDA|VA) 1 $785,000 $785,000 $4,502 5.38%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $705,000 $705,000 $0 2.99%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $700,000 $350,000 $5,205 4.88%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 2 $690,000 $345,000 $5,372 2.18%
Salem, OH (FHA|USDA|VA) 3 $655,000 $218,333 $0 5.66%
YAKIMA, WA (FHA|USDA|VA) 1 $615,000 $615,000 $3,056 3.75%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $605,000 $605,000 $5,719 3.88%
Georgetown, SC (FHA|USDA|VA) 1 $565,000 $565,000 $13,488 4.88%
Elkins, WV (FHA|USDA|VA) 1 $545,000 $545,000 $4,471 5.25%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $545,000 $545,000 $110 2.99%
Huntingdon, PA (FHA|USDA|VA) 4 $530,000 $132,500 $0 3.67%
PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $510,000 $255,000 $3,911 5.00%
LOUISVILLE, KY (FHA|USDA|VA) 1 $495,000 $495,000 $5,959 3.75%
FORT WAYNE, IN (FHA|USDA|VA) 1 $495,000 $495,000 $2,604 4.75%
Wooster, OH (FHA|USDA|VA) 2 $480,000 $240,000 $3,463 5.19%
Pottsville, PA (FHA|USDA|VA) 3 $475,000 $158,333 $6,543 3.91%
Heber, UT (FHA|USDA|VA) 1 $455,000 $455,000 $0 6.24%
Meadville, PA (FHA|USDA|VA) 2 $430,000 $215,000 $0 4.05%
Norwalk, OH (FHA|USDA|VA) 1 $425,000 $425,000 $6,967 3.63%
EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $380,000 $190,000 $0 0.99%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $375,000 $125,000 $3,297 5.21%
Selinsgrove, PA (FHA|USDA|VA) 1 $335,000 $335,000 $4,141 5.00%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $325,000 $325,000 $4,666 4.88%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $325,000 $325,000 $4,323 5.38%
Cambridge, MD (FHA|USDA|VA) 1 $325,000 $325,000 $100 2.99%
PEORIA, IL (FHA|USDA|VA) 1 $305,000 $305,000 $0 6.99%
Lewistown, PA (FHA|USDA|VA) 1 $245,000 $245,000 $0 5.25%
STATE COLLEGE, PA (FHA|USDA|VA) 2 $230,000 $115,000 $5,714 2.12%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $215,000 $215,000 $3,791 5.75%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $205,000 $205,000 $3,760 5.88%
Paducah, KY-IL (FHA|USDA|VA) 1 $195,000 $195,000 $2,829 5.00%
VISALIA, CA (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.99%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $145,000 $145,000 $0 2.99%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.74%
Oil City, PA (FHA|USDA|VA) 2 $140,000 $70,000 $0 3.62%
ERIE, PA (FHA|USDA|VA) 2 $140,000 $70,000 $3,105 5.73%
Coshocton, OH (FHA|USDA|VA) 2 $120,000 $60,000 $0 5.20%
Warren, PA (FHA|USDA|VA) 2 $90,000 $45,000 $0 5.24%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.74%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $45,000 $45,000 $0 0.99%
Ashtabula, OH (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.63%
S&t Bank's top markets include Pittsburgh, Philadelphia, Harrisburg, Columbus, and Lancaster among others.

Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against S&T Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 2,465 $347,125,000 $140,822 n/a 3.38%
    Conventional 1,458 $665,720,000 $456,598 $4,899 4.74%

    For 2022, S&t Bank's most frequently originated type of loan was HELOC, with 2,465 originations. Their 2nd most popular type was Conventional, with 1,458 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,076 $515,580,000 $479,164 $5,683 4.84%
    Refi 1,028 $246,650,000 $239,932 $2,618 3.78%
    Home Improvement 1,027 $123,535,000 $120,287 $2,009 3.27%
    Other 517 $57,865,000 $111,925 $2,701 3.26%
    Cash Out Refi 275 $69,215,000 $251,691 $3,888 3.96%

    For 2022, S&t Bank's most frequently cited loan purpose was Home Purchase, with 1,076 originations. The 2nd most popular reason was Refi, with 1,028 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 2,184 $305,440,000 $139,853 $5,991 3.39%
    20 Year 625 $170,765,000 $273,224 $2,533 4.03%
    30 Year 568 $181,890,000 $320,229 $5,012 5.22%
    15 Year 272 $57,790,000 $212,463 $2,743 4.21%
    30+ year 156 $119,500,000 $766,026 $8,842 4.06%
    10 Year 99 $96,995,000 $979,747 $2,101 4.78%
    5 Year 13 $10,295,000 $791,923 $254 4.27%
    3 Year 5 $70,095,000 $14,019,000 $0 4.32%
    1 Year 1 $75,000 $75,000 $0 8.35%

    For 2022, S&t Bank's most frequently cited loan duration was Other, with 2,184 originations. The 2nd most popular length was 20 Year, with 625 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 411 $114,165,000 $277,774
    $1k-2k 356 $137,670,000 $386,713
    $2k-3k 119 $83,605,000 $702,563
    $5k+ 29 $20,615,000 $710,862
    $3k-4k 20 $5,300,000 $265,000
    $4k-5k 18 $6,380,000 $354,444

    S&t Bank's average total fees were $5,012, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 411 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    <2.5% 927 $141,495,000 $152,638
    4-5% 744 $287,930,000 $387,003
    5-6% 730 $193,600,000 $265,205
    3-4% 545 $228,335,000 $418,963
    6-7% 462 $70,880,000 $153,420
    2.5-3% 452 $86,460,000 $191,283
    7-8% 50 $3,400,000 $68,000
    Over 8% 13 $745,000 $57,308

    During 2022, S&t Bank's average interest rate for loans was 5.22%, while their most frequently originated rate bucket for loans was <2.5%, with 927 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,557 $89,235,000 $57,312 $2,171 3.72%
    $100k-200k 1,145 $157,865,000 $137,873 $3,466 3.93%
    $200k-400k 706 $194,410,000 $275,368 $4,883 4.03%
    $400k-600k 238 $114,570,000 $481,387 $6,534 4.00%
    $600k-1MM 160 $118,710,000 $741,938 $7,500 4.01%
    $1MM+ 117 $338,055,000 $2,889,359 $10,772 4.27%

    2022 saw S&t Bank place emphasis on $100,000 or less loans with 1,557 originations, totaling $89,235,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 698 $118,160,000 $169,284 $4,821 3.82%
    $50k or less 696 $69,500,000 $99,856 $2,583 3.11%
    $150k-250k 614 $166,140,000 $270,586 $6,100 3.95%
    $50k-75k 568 $61,750,000 $108,715 $3,629 4.08%
    $75k-100k 470 $61,550,000 $130,957 $4,238 4.06%
    $250k+ 435 $252,225,000 $579,828 $7,846 4.00%

    S&t Bank lent most frequently to those with incomes in the $100k-150k range, with 698 originations. The second most popular income band? $50k or less, with 696 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 847 $139,505,000 $164,705 $3,923 3.62%
    <20% 651 $122,205,000 $187,719 $4,375 3.30%
    30-36% 568 $113,570,000 $199,947 $4,950 3.87%
    50-60% 225 $48,665,000 $216,289 $4,804 3.97%
    42% 114 $27,310,000 $239,561 $5,201 4.05%
    40% 114 $30,390,000 $266,579 $5,721 4.16%
    44% 102 $26,370,000 $258,529 $6,628 4.29%
    41% 97 $19,245,000 $198,402 $5,718 3.93%
    43% 90 $20,220,000 $224,667 $5,383 4.11%
    37% 87 $18,765,000 $215,690 $4,858 4.19%
    36% 86 $18,490,000 $215,000 $5,656 3.92%
    38% 86 $18,330,000 $213,140 $4,959 3.97%
    39% 83 $16,895,000 $203,554 $4,489 3.85%
    45% 79 $24,085,000 $304,873 $5,595 3.68%
    48% 72 $16,090,000 $223,472 $5,799 4.07%
    46% 65 $15,965,000 $245,615 $5,300 4.46%
    >60% 60 $24,280,000 $404,667 $5,944 3.68%
    49% 57 $15,735,000 $276,053 $5,678 4.40%
    47% 52 $14,630,000 $281,346 $5,128 3.82%

    S&t Bank lent most frequently to those with DTI ratios of 20-30%, with 847 originations. The next most common DTI ratio? <20%, with 651 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,729 $550,425,000 $201,695 $4,781 3.83%
    Not applicable 313 $264,935,000 $846,438 $0 4.84%
    Not provided 695 $145,335,000 $209,115 $5,411 3.64%
    Asian 85 $26,835,000 $315,706 $6,443 3.65%
    Black 81 $18,245,000 $225,247 $4,751 4.24%
    Asian Indian 6 $2,340,000 $390,000 $6,770 4.27%
    Other Asian 2 $2,270,000 $1,135,000 $6,185 4.94%
    American Indian 10 $2,140,000 $214,000 $4,657 3.99%
    Vietnamese 1 $245,000 $245,000 $0 5.50%
    Native Hawaiian or Islander 1 $75,000 $75,000 $0 4.74%

    Approval Rates

    Total approvals of all applications
    83.13%

    S&t Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    83.89%

    S&t Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,923 $1,012,845,000 $258,181

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    3,923 $1,012,845,000 $258,181

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 902 $101,340,000 $112,350 $2,299 3.52%
    40-60% 531 $132,025,000 $248,635 $3,344 3.63%
    60-80% 1,129 $441,985,000 $391,484 $4,960 4.16%
    80-100% 820 $303,580,000 $370,220 $5,777 4.38%
    Under 20% 536 $32,960,000 $61,493 $172 3.38%