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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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KEYSTONE NAZARETH BANK & TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
KEYSTONE NAZARETH BANK & TRUST |
| Address | 90 HIGHLAND AVE
BETHLEHEM, PA 18017 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 6,056 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $409,642,000 |
| Average Mortgage Loan Amount Applied For | $84,203 |
| Highest Mortgage Loan Amount Applied For | $2,700,000 |
| Average Applicant Income | $4,435 |
| Highest Applicant Income | $996,000 |
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| Home Improvement |
2,736 | $77,371,000 |
$28,000 | $1,040,000 |
$51,000 | $996,000 |
| Home Purchase |
1,451 | $188,910,000 |
$130,000 | $2,700,000 |
$57,000 | $787,000 |
| Refinancing |
1,869 | $143,361,000 |
$76,000 | $1,050,000 |
$70,000 | $750,000 |
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| American Indian or Alaskan Native |
23 | $744,000 |
$32,000 | $100,000 |
$59,000 | $164,000 |
| Asian |
67 | $7,174,000 |
$107,000 | $417,000 |
$109,000 | $606,000 |
| Black or African American |
51 | $7,221,000 |
$141,000 | $900,000 |
$82,000 | $269,000 |
| Hispanic |
312 | $23,005,000 |
$73,000 | $2,700,000 |
$57,000 | $996,000 |
| Native Hawaiin or Other Pacific Islander |
4 | $150,000 |
$37,000 | $90,000 |
$135,000 | $360,000 |
| Not applicable |
1,429 | $60,588,000 |
$42,000 | $986,000 |
$0 | $0 |
| Not Provided |
19 | $1,569,000 |
$82,000 | $416,000 |
$72,000 | $150,000 |
| White |
4,151 | $309,191,000 |
$74,000 | $1,513,000 |
$77,000 | $787,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
6,056 | $409,642,000 |
$67,000 | $2,700,000 |
$58,000 | $996,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
194 | $11,332,000 |
$58,000 | $401,000 |
$74,000 | $730,000 |
| Application Denied By Financial Institution |
673 | $47,493,000 |
$70,000 | $1,040,000 |
$52,000 | $456,000 |
| Application Withdrawn By Applicant |
212 | $16,715,000 |
$78,000 | $417,000 |
$85,000 | $996,000 |
| File Closed For Incompleteness |
79 | $15,013,000 |
$190,000 | $665,000 |
$84,000 | $440,000 |
| Loan Originated |
3,502 | $263,286,000 |
$75,000 | $2,700,000 |
$80,000 | $787,000 |
| Loan Purchased By The Institution |
1,396 | $55,803,000 |
$39,000 | $986,000 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
72 | $5,370,000 |
$74,000 | $1,040,000 |
$74,000 | $346,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
305 | $18,099,000 |
$59,000 | $380,000 |
$52,000 | $171,000 |
| Debt-To-Income Ratio |
215 | $17,948,000 |
$83,000 | $385,000 |
$41,000 | $178,000 |
| Employment History |
9 | $818,000 |
$90,000 | $205,000 |
$49,000 | $90,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $94,000 |
$94,000 | $94,000 |
$49,000 | $49,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
56 | $4,124,000 |
$73,000 | $900,000 |
$62,000 | $400,000 |
| Unverifiable Information |
15 | $1,040,000 |
$69,000 | $250,000 |
$93,000 | $456,000 |
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Mortgage Loan App Totals for KEYSTONE NAZARETH BANK & TRUST by:
Metropolitan Area And
County
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