S&t Bank Mortgage Rates, Fees & Info
Indiana, PALEI: MCXHCL35UUWDZK7NCQ61
Tax ID: 25-0776600
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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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 12/16/24 |
| 30 Year Conventional Purchase | 6.38% | 12/16/24 |
| 30 Year Conventional Refi | 6.27% | 12/16/24 |
| 30 Year Cash-out Refi | 6.03% | 12/16/24 |
| 30 Year FHA Purchase | 6.27% | 12/16/24 |
| 30 Year FHA Refi | 6.27% | 12/16/24 |
| 30 Year VA Purchase | 6.27% | 12/16/24 |
| 15 Year Conventional Purchase | 6.42% | 12/16/24 |
| 15 Year Conventional Refi | 5.84% | 12/16/24 |
| 15 Year Cash-out Refi | 5.84% | 12/16/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,923Origination Dollar Volume (All Markets)
$1,012,845,000Awards
S&T Bank - 2022
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For 2022, less than of lenders were eligible for this award.
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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% |
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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
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
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
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
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
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
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
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
Approval Rates
Total approvals of all applications83.13%
S&t Bank has a below average approval rate.
Pick Rate
Approvals leading to origination83.89%
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 |