S&T Bank mortgage approval rate & lending review
S&T Bank decided 7,245 mortgage applications and funded 5,104 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions S&T Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
S&T Bank at a glance
Approval is 0.4 points below the 74.7% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where S&T Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Westmoreland County, PA | Refinance | 74% | 666 | 461 |
| Allegheny County, PA | Mortgage lenders | 89% | 481 | 414 |
| Westmoreland County, PA | Home improvement loans | 68% | 570 | 366 |
| Allegheny County, PA | Refinance | 71% | 414 | 276 |
| Allegheny County, PA | Home improvement loans | 65% | 417 | 254 |
| Westmoreland County, PA | Mortgage lenders | 87% | 293 | 247 |
| Chester County, PA | Refinance | 73% | 336 | 233 |
| Chester County, PA | Home improvement loans | 67% | 262 | 172 |
| Allegheny County, PA | Investment property purchase | 85% | 151 | 116 |
| Cumberland County, PA | Mortgage lenders | 99% | 80 | 78 |
| Cambria County, PA | Refinance | 73% | 113 | 77 |
| Lancaster County, PA | Mortgage lenders | 100% | 78 | 77 |
The county markets where S&T Bank made the most loans. Each link opens that market with every lender ranked.
Questions about S&T Bank
What is S&T Bank's mortgage approval rate?
S&T Bank approved 74.3% of the 7,245 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.4 points below the 74.7% national rate for the same mix of loan types.
How often do borrowers take the loan S&T Bank offers?
Borrowers accepted 95% of the loans S&T Bank approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does S&T Bank make?
The typical home improvement loan loan S&T Bank made was $75K; across all loan types its typical loan ran from $75K to $195K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does S&T Bank lend?
S&T Bank decided applications in 26 of the states Fat Boy Data covers, most of them in Pennsylvania, Ohio and New Jersey.
Can I apply to S&T Bank directly?
Yes. S&T Bank is a bank or credit union with 75 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show S&T Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how S&T Bank treats applications, then get a rate quote from the lender.