S&T Bank in Florida vs the state
43.8%Denial rate+22.69 pts vs state
53.9%Decision denial rate+26.61 pts vs state
37.5%Origination rate-15.19 pts vs state
5.31%Median rate-1.32 pts vs state
-3.30Rate spread (pts)-3.57 pts vs state
$338kMedian applicant income
6Loans originated
7Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 31 | 20 | 19.4% | 6.68% | #730 |
| 2024 | 14 | 7 | 21.4% | 6.88% | #850 |
| 2025 | 16 | 6 | 43.8% | 5.31% | #811 |
What S&T Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most S&T Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 4 | 2 | 2 | 50.0% |
| Collier County | 3 | 2 | 1 | 33.3% |
| Lee County | 3 | 1 | 2 | 66.7% |
| Sarasota County | 1 | 0 | 0 | 0.0% |
| Pinellas County | 1 | 0 | 0 | 0.0% |
| Miami-Dade County | 1 | 0 | 1 | 100.0% |
| St. Lucie County | 1 | 0 | 1 | 100.0% |
| Broward County | 1 | 1 | 0 | 0.0% |
| Hillsborough County | 1 | 0 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 16 applications in 2025, of which 6 were originated and 7 denied.
43.8% of all applications, or 53.9% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans S&T Bank originated in Florida in 2025 was 5.31%, against a statewide median of 6.63%.
About this data. Figures are S&T Bank's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology