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Claim this ProfileWe analyzed every closed loan from S&T Bank — 618 loans across 890 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 9 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Jumbo
Superstar
Purchase
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Particularly strong in Conventional and Jumbo loans
Explore another lender or local market
Report Card
S&T Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+19.4 bps above market avg
5/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
556 loans · 0.20% above market
Strong
Top 40% of lenders
4/5
Jumbo
62 loans · 0.07% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
560 loans · 0.19% above market
Strong
Top 40% of lenders
4/5
Refinance
58 loans · 0.25% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 10 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 556 | 90.0% | +0.200%Above | $9Credit | ||||
Jumbo Loans | 62 | 10.0% | +0.069%Above | $1,637Fees |
Conventional
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume556
Mix90.0%
Spread
+0.200%Above
Fees
$9Credit
Jumbo Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume62
Mix10.0%
Spread
+0.069%Above
Fees
$1,637Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 560 | 90.6% | +0.187%Above | $66Credit | ||||
Refinance | 58 | 9.4% | +0.254%Above | $1,204Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume560
Mix90.6%
Spread
+0.187%Above
Fees
$66Credit
Refinance
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume58
Mix9.4%
Spread
+0.254%Above
Fees
$1,204Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
618
Applications
890
Volume
$225 million
Pricing & Closing
Avg Rate Spread
+0.194%
vs. market APOR
Avg Net Fees
$69
Origination − Credits
Pullthrough Rate
69.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$364,547
Avg Borrower Income
$163,071
Avg Property Value
$464,838
Geographic Coverage
Geographic Performance
Metro Areas
9
markets with activity
States Served
12
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
12Full-year 2024 · HMDALoans originated
< 5050+None
Northeast2
NJPA
Midwest1
OH
South8
ALFLMDNCSCTNTXVA
West1
CA
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.