Keystone Nazareth Bank & Trust Mortgage Lending & HMDA Data, 2007
In 2007, Keystone Nazareth Bank & Trust of Bethlehem, PA reported 3,969 mortgage applications totaling $389.5 million, down 34% from 2006. The average application was for $98,131, and applicants reported an average income of $68,216. 64% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Allentown-Bethlehem-Easton, PA-NJ (2,471), Scranton--Wilkes-Barre, PA (418) and Philadelphia, PA (58) (applications in parentheses).
| Mortgage Company & Address | Keystone Nazareth Bank & Trust 90 Highland Ave Bethlehem, PA 18017 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,969 |
| Total Mortgage Loan Application Amount | $389,483,000 |
| Average Mortgage Loan Application Amount | $98,131 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $68,216 |
| Highest Applicant Income | $1,905,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Keystone Nazareth Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Keystone Nazareth Bank & Trust in 2007
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 1,504 | $151,717,000 | $100,000 | $995,000 | $68,000 | $1,905,000 |
| Home Improvement | 1,376 | $49,834,000 | $36,000 | $262,000 | $71,000 | $1,440,000 |
| Home Purchase | 1,089 | $187,932,000 | $172,000 | $2,500,000 | $65,000 | $984,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 3,132 | $272,697,000 | $87,000 | $2,500,000 | $80,000 | $1,905,000 |
| Not applicable | 475 | $88,614,000 | $186,000 | $998,000 | $0 | $0 |
| Hispanic | 226 | $13,786,000 | $61,000 | $333,000 | $49,000 | $228,000 |
| Asian | 46 | $6,862,000 | $149,000 | $724,000 | $101,000 | $443,000 |
| Black or African American | 42 | $4,358,000 | $103,000 | $364,000 | $70,000 | $286,000 |
| Not Provided | 27 | $1,446,000 | $53,000 | $219,000 | $62,000 | $155,000 |
| American Indian or Alaskan Native | 18 | $1,378,000 | $76,000 | $248,000 | $57,000 | $120,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $342,000 | $114,000 | $142,000 | $71,000 | $138,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 3,969 | $389,483,000 | $98,000 | $2,500,000 | $68,000 | $1,905,000 |
| 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 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,550 | $220,459,000 | $86,000 | $1,880,000 | $81,000 | $1,905,000 |
| Application Denied By Financial Institution | 590 | $45,700,000 | $77,000 | $2,500,000 | $59,000 | $1,440,000 |
| Loan Purchased By The Institution | 446 | $84,870,000 | $190,000 | $998,000 | $0 | $0 |
| Application Withdrawn By Applicant | 169 | $15,181,000 | $89,000 | $680,000 | $75,000 | $443,000 |
| Application Approved But Not Accepted | 126 | $8,593,000 | $68,000 | $650,000 | $78,000 | $463,000 |
| File Closed For Incompleteness | 88 | $14,680,000 | $166,000 | $493,000 | $95,000 | $565,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 271 | $16,015,000 | $59,000 | $350,000 | $53,000 | $292,000 |
| Debt-To-Income Ratio | 121 | $17,079,000 | $141,000 | $2,500,000 | $54,000 | $984,000 |
| Other | 106 | $5,341,000 | $50,000 | $450,000 | $70,000 | $1,440,000 |
| Collateral | 68 | $5,060,000 | $74,000 | $280,000 | $67,000 | $186,000 |
| Unverifiable Information | 12 | $1,291,000 | $107,000 | $481,000 | $100,000 | $450,000 |
| Employment History | 9 | $564,000 | $62,000 | $168,000 | $45,000 | $119,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $350,000 | $116,000 | $141,000 | $47,000 | $60,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Keystone Nazareth Bank & Trust's 2007 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Keystone Nazareth Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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