S&T Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
30th31.1% deniedPricingmedian rate spread over APOR, weight 30%
84th-0.86 ptsProcesswithdrawn + incomplete share, weight 15%
87th5.4%Closing coststotal loan costs ÷ loan amount, weight 10%
35th3.71% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 4,594 | 2,896 | 23.7% | 26.0% | 7.13% | $701M |
| 2024 | 3,937 | 2,501 | 23.9% | 26.0% | 7.00% | $720M |
| 2025 | 4,101 | 2,617 | 29.4% | 31.1% | 6.25% | $835M |
What S&T Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 2,951 home-equity lines, 0 reverse mortgages, 60 manufactured homes, 432 investment properties.
Why S&T Bank denies applications
Primary reason reported for each of the 1,205 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at S&T Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 633 | 314 | 46.1% |
| $50k – $100k | 1,223 | 765 | 33.3% |
| $100k – $150k | 757 | 496 | 29.6% |
| $150k – $250k | 656 | 460 | 24.9% |
| Over $250k | 465 | 322 | 24.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 74 | 56 | 11.1% |
| 25–34 | 463 | 282 | 29.6% |
| 35–44 | 729 | 461 | 30.5% |
| 45–54 | 716 | 456 | 32.2% |
| 55–64 | 837 | 496 | 37.9% |
| 65–74 | 704 | 462 | 31.7% |
| Over 74 | 337 | 230 | 27.8% |
Where S&T Bank lends
18 states and 129 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 3,797 | 2,442 | 29.6% | 6.24% | #30 |
| Ohio | 210 | 133 | 21.0% | 6.38% | #232 |
| New Jersey | 29 | 15 | 48.3% | 6.50% | #410 |
| Florida | 16 | 6 | 43.8% | 5.31% | #811 |
| Maryland | 10 | 6 | 40.0% | 6.22% | #467 |
| Delaware | 9 | 4 | 44.4% | 6.31% | #245 |
| North Carolina | 5 | 0 | 20.0% | — | #732 |
Frequently asked questions
S&T Bank denied 31.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 30th percentile of home-equity (HELOC) lenders.
The most common reason S&T Bank gave in 2025 was "credit history", cited on 31.8% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans S&T Bank originated in 2025 was 6.25%, and its median rate spread over the average prime offer rate was -0.86 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 22% of its applications were for home purchases, 35% for refinancing (including cash-out), and 43% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.