Purchase Originations
442
Median Total Costs
$4,274
−36.0% vs national ($6,680)
↓ $112 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,150
Median Lender Credits
$3,000
Denial Rate
9.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 442 | 6.625% | $4,274 | $1,150 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 398 | 6.625% | $4,188 | #54 |
| Ohio | 39 | 6.500% | $7,358 | — |
| Maryland | 2 | 6.562% | $5,234 | — |
| New Jersey | 2 | 6.500% | $4,465 | — |
| Indiana | 1 | 6.750% | $3,839 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,031 | 6.562% | — | 6 | −$1,243 | |
| 2 | $3,172 | 6.625% | — | 13 | −$1,102 | |
| 3 | $3,345 | 6.500% | — | 13 | −$929 | |
| 4 | $3,770 | 6.625% | — | 23 | −$504 | |
| 5 | $3,772 | 6.500% | — | 5 | −$502 | |
| 6 | $3,784 | 6.625% | — | 49 | −$490 | |
| 7 | $3,978 | 6.625% | — | 29 | −$296 | |
| 8 | $4,078 | 6.625% | — | 5 | −$196 | |
| 9 | $4,361 | 6.625% | — | 65 | +$87 | |
| 10 | $4,364 | 6.625% | — | 106 | +$90 | |
| 11 | $4,387 | 6.625% | — | 5 | +$113 | |
| 12 | $4,839 | 6.500% | — | 13 | +$565 | |
| 13 | $4,927 | 6.500% | — | 8 | +$653 | |
| 14 | $5,780 | 6.625% | — | 4 | +$1,506 | |
| 15 | $6,104 | 6.500% | — | 9 | +$1,830 | |
| 16 | $6,115 | 6.750% | — | 7 | +$1,841 | |
| 17 | $6,411 | 6.750% | — | 5 | +$2,137 | |
| 18 | $6,724 | 6.750% | — | 13 | +$2,450 | |
| 19 | $7,455 | 6.375% | — | 3 | +$3,181 | |
| 20 | $7,861 | 6.562% | — | 10 | +$3,587 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | S&T Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $215,000 | $335,000 | −$120,000 (−35.8%) |
| Median total closing costs | $4,274 | $7,127 | −$2,853 (−40.0%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.