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S&T Bank

Bank•Indiana, PAHQ•Direct•Reviews near you on Google

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.

Safe Rate 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
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Jumbo Superstar
Jumbo
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate 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

Conventional
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume556
Mix90.0%
Spread
+0.200%Above
Fees
$9Credit
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume62
Mix10.0%
Spread
+0.069%Above
Fees
$1,637Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume560
Mix90.6%
Spread
+0.187%Above
Fees
$66Credit
Refinance
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
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 · HMDA
12 states with loan originations
Loans originated
< 5050+None
Northeast2
NJPA
Midwest1
OH
South8
ALFLMDNCSCTNTXVA
West1
CA

Top Metro Areas by Place Specialization Score

1© Dan Gaken · CC BY 2.0
Pittsburgh, PAMetro
Volume 265Mix 42.88% of portfolio
86/100
Exceptional
2© Masst1984 · CC BY-SA 4.0
Johnstown, PAMetro
Volume 24Mix 3.88% of portfolio
63/100
Strong
3© Jeffrey Hayes · CC BY 2.0
Harrisburg, PAMetro
Volume 32Mix 5.18% of portfolio
62/100
Strong
4© 归零者 · CC BY-SA 4.0
Columbus, OHMetro
Volume 27Mix 4.37% of portfolio
53/100
Sound
5© Randolph Carney · CC BY-SA 3.0
Lancaster, PAMetro
Volume 15Mix 2.43% of portfolio
50/100
Sound
6© Dough4872 · Public domain
Montgomery County, PAMetro
Volume 16Mix 2.59% of portfolio
47/100
Sound
7© Csoldner187 · CC BY-SA 3.0
Altoona, PAMetro
Volume 12Mix 1.94% of portfolio
47/100
Sound
8© Smallbones · CC0
York, PAMetro
Volume 13Mix 2.10% of portfolio
45/100
Sound
9© Warren LeMay from Cincinnati, OH, United States · CC0
Cleveland, OHMetro
Volume 11Mix 1.78% of portfolio
42/100
Sound

Top States by Place Specialization Score

Pennsylvania
Pennsylvania
1
PennsylvaniaState
Volume 537Mix 86.89% of portfolio
84/100
Exceptional
Ohio
Ohio
2
OhioState
Volume 54Mix 8.74% of portfolio
55/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

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
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 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.