We 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
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
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Report Card
S&T Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+19.4 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 10 markets
Sound
Top 60% of lenders
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
12Northeast2
NJPA
Midwest1
OH
South8
ALFLMDNCSCTNTXVA
West1
CA
Top Metro Areas by Place Specialization Score
Volume 265Mix 42.88% of portfolio
86/100
Exceptional
Volume 24Mix 3.88% of portfolio
63/100
Strong
Volume 32Mix 5.18% of portfolio
62/100
Strong
Volume 27Mix 4.37% of portfolio
53/100
Sound
Volume 15Mix 2.43% of portfolio
50/100
Sound
Volume 16Mix 2.59% of portfolio
47/100
Sound
Volume 12Mix 1.94% of portfolio
47/100
Sound
Volume 13Mix 2.10% of portfolio
45/100
Sound
Volume 11Mix 1.78% of portfolio
42/100
SoundTop States by Place Specialization Score
1
PennsylvaniaState
Volume 537Mix 86.89% of portfolio
84/100
Exceptional2
OhioState
Volume 54Mix 8.74% of portfolio
55/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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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.