S&T Bank in Pennsylvania vs the state
29.6%Denial rate+11.29 pts vs state
31.0%Decision denial rate+8.81 pts vs state
64.3%Origination rate+3.35 pts vs state
6.24%Median rate-0.38 pts vs state
-0.86Rate spread (pts)-1.10 pts vs state
$95kMedian applicant income
2,442Loans originated
1,123Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,933 | 2,499 | 24.5% | 7.24% | #20 |
| 2024 | 3,621 | 2,313 | 24.3% | 7.00% | #28 |
| 2025 | 3,797 | 2,442 | 29.6% | 6.24% | #30 |
What S&T Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most S&T Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Westmoreland County | 788 | 512 | 235 | 29.8% |
| Allegheny County | 756 | 477 | 204 | 27.0% |
| Indiana County | 350 | 236 | 104 | 29.7% |
| Chester County | 322 | 204 | 108 | 33.5% |
| Jefferson County | 248 | 181 | 58 | 23.4% |
| Cambria County | 149 | 89 | 52 | 34.9% |
| Clearfield County | 132 | 88 | 38 | 28.8% |
| Lancaster County | 118 | 70 | 41 | 34.7% |
| Armstrong County | 108 | 65 | 38 | 35.2% |
| Cumberland County | 90 | 53 | 33 | 36.7% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 3,797 applications in 2025, of which 2,442 were originated and 1,123 denied.
29.6% of all applications, or 31.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans S&T Bank originated in Pennsylvania in 2025 was 6.24%, against a statewide median of 6.63%.
About this data. Figures are S&T Bank's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology