# S&T Bank

> **Canonical URL:** https://saferate.com/lenders/st-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


S&T Bank is a bank, headquartered in Indiana, PA, serving borrowers across 12 states, with 618 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 13% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 46% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** MCXHCL35UUWDZK7NCQ61
- **Headquarters:** Indiana, PA
- **Geographic Reach:** Multi-Region
- **States Served:** 12
- **State List:** AL, CA, FL, MD, NC, NJ, OH, PA, SC, TN, TX, VA
- **Markets (MSAs):** 10
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 87/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.194%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $69
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 618
- **Dollar Volume:** $225 million
- **Applications Received:** 890
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $364,547
- **Average Borrower Income:** $163,071
- **Average Property Value:** $464,838

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **Jumbo Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 69/100 | 556 | +0.200% | $-9 | Strong 😀 |
| Jumbo | 78/100 | 62 | +0.069% | $1,637 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 505 loans, Score: 69/100 (Strong)
- Refinance: 51 loans, Score: 52/100 (Sound)

**Jumbo:**
- Purchase: 55 loans, Score: 78/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 67/100 | 560 | $204M | +0.187% | Strong 😀 |
| Refinance | 51/100 | 58 | $21M | +0.254% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 537 | 0.44% | 84/100 |
| OH | 54 | 0.04% | 55/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Pittsburgh, PA | PA | 265 | 86/100 |
| Non |  | 151 | 60/100 |
| Harrisburg | PA | 32 | 62/100 |
| Columbus, OH | OH | 27 | 53/100 |
| Johnstown, PA | PA | 24 | 63/100 |
| Montgomery County | PA | 16 | 47/100 |
| Lancaster, PA | PA | 15 | 50/100 |
| York | PA | 13 | 45/100 |
| Altoona, PA | PA | 12 | 47/100 |
| Cleveland, OH | OH | 11 | 42/100 |

## Where This Lender Ranks

S&T Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Pittsburgh, PA for Jumbo Loans
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Pittsburgh, PA for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#4** in Pennsylvania for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#5** in Pittsburgh, PA Banks
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/banks)
- 🏆 **#5** in Johnstown, PA
  - [View Full Rankings](https://saferate.com/johnstown-pa/best-mortgage-lenders)
- 🏆 **#5** in Johnstown, PA Banks
  - [View Full Rankings](https://saferate.com/johnstown-pa/best-mortgage-lenders/banks)
- 🏆 **#5** in Johnstown, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/johnstown-pa/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#6** in Pennsylvania for Jumbo Loans
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/jumbo-loans)
- 🏆 **#6** in Johnstown, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/johnstown-pa/best-mortgage-lenders/conventional-loans)
- 🏆 **#7** in Altoona, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/altoona-pa/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#8** in Harrisburg Banks
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders/banks)
- 🏆 **#9** in Harrisburg for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#9** in Altoona, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/altoona-pa/best-mortgage-lenders/conventional-loans)
- 🏆 **#10** in Pennsylvania Banks
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/banks)
- 🏆 **#10** in Pittsburgh, PA
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders)
- 🏆 **#10** in Pittsburgh, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#12** in York for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/york/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#14** in Harrisburg
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders)
- 🏆 **#14** in Lancaster, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lancaster-pa/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#15** in Pennsylvania for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does S&T Bank offer?

S&T Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does S&T Bank offer mortgages?

S&T Bank offers mortgages in 12 states: AL, CA, FL, MD, NC, NJ, OH, PA, SC, TN, TX, VA.

### How competitive are S&T Bank's mortgage rates?

S&T Bank has a pricing score of 87/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.194% above market average.

### What type of lender is S&T Bank?

S&T Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Indiana, PA.

### What is S&T Bank's loan approval success rate?

S&T Bank has a pull-through score of 54/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/st-bank

### How to Cite

> "S&T Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/st-bank

---

**[View Interactive Profile →](https://saferate.com/lenders/st-bank)**