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records Keystone Nazareth Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Northampton, Pennsylvania | 1,338 | $ 118,067,000 | $ 88,241 | $ 78,000 |
| Lehigh, Pennsylvania | 904 | $ 89,363,000 | $ 98,852 | $ 80,000 |
| Luzerne, Pennsylvania | 404 | $ 23,564,000 | $ 58,326 | $ 67,000 |
| Schuylkill, Pennsylvania | 283 | $ 14,773,000 | $ 52,201 | $ 64,000 |
| Monroe, Pennsylvania | 253 | $ 23,393,000 | $ 92,462 | $ 73,000 |
| Carbon, Pennsylvania | 223 | $ 16,901,000 | $ 75,789 | $ 68,000 |
| Berks, Pennsylvania | 30 | $ 3,561,000 | $ 118,700 | $ 113,000 |
| Bucks, Pennsylvania | 30 | $ 3,663,000 | $ 122,100 | $ 119,000 |
| Middlesex, Massachusetts | 12 | $ 6,401,000 | $ 533,416 | $ 0 |
| Columbia, Pennsylvania | 12 | $ 592,000 | $ 49,333 | $ 46,000 |
| Norfolk, Massachusetts | 11 | $ 5,677,000 | $ 516,090 | $ 0 |
| Lancaster, Pennsylvania | 11 | $ 449,000 | $ 40,818 | $ 0 |
| Philadelphia, Pennsylvania | 11 | $ 3,536,000 | $ 321,454 | $ 61,000 |
| Sussex, Delaware | 9 | $ 498,000 | $ 55,333 | $ 0 |
| Montgomery, Pennsylvania | 9 | $ 2,429,000 | $ 269,888 | $ 175,000 |
| Pike, Pennsylvania | 9 | $ 1,013,000 | $ 112,555 | $ 82,000 |
| Chester, Pennsylvania | 8 | $ 1,098,000 | $ 137,250 | $ 8,000 |
| Kent, Delaware | 7 | $ 539,000 | $ 77,000 | $ 0 |
| Suffolk, New York | 7 | $ 3,660,000 | $ 522,857 | $ 0 |
| Lackawanna, Pennsylvania | 7 | $ 893,000 | $ 127,571 | $ 60,000 |
| Wyoming, Pennsylvania | 7 | $ 790,000 | $ 112,857 | $ 49,000 |
| Virginia Beach, Virginia | 7 | $ 1,106,000 | $ 158,000 | $ 0 |
| Howard, Maryland | 6 | $ 304,000 | $ 50,666 | $ 0 |
| Warren, New Jersey | 6 | $ 1,027,000 | $ 171,166 | $ 81,000 |
| Kings, New York | 6 | $ 2,605,000 | $ 434,166 | $ 0 |
| Barnstable, Massachusetts | 5 | $ 2,543,000 | $ 508,600 | $ 0 |
| Worcester, Massachusetts | 5 | $ 2,138,000 | $ 427,600 | $ 0 |
| Clinton, New York | 5 | $ 327,000 | $ 65,400 | $ 0 |
| Nassau, New York | 5 | $ 2,687,000 | $ 537,400 | $ 0 |
| Ulster, New York | 5 | $ 159,000 | $ 31,800 | $ 0 |
| Franklin, Ohio | 5 | $ 150,000 | $ 30,000 | $ 0 |
| Tuscarawas, Ohio | 5 | $ 138,000 | $ 27,600 | $ 0 |
| Susquehanna, Pennsylvania | 5 | $ 617,000 | $ 123,400 | $ 107,000 |
| York, Pennsylvania | 5 | $ 174,000 | $ 34,800 | $ 0 |
| Miami-Dade, Florida | 4 | $ 1,858,000 | $ 464,500 | $ 0 |
| Cook, Illinois | 4 | $ 763,000 | $ 190,750 | $ 0 |
| Anne Arundel, Maryland | 4 | $ 574,000 | $ 143,500 | $ 0 |
| Bergen, New Jersey | 4 | $ 2,592,000 | $ 648,000 | $ 0 |
| Jefferson, New York | 4 | $ 197,000 | $ 49,250 | $ 0 |
| Queens, New York | 4 | $ 2,182,000 | $ 545,500 | $ 0 |
| Saratoga, New York | 4 | $ 185,000 | $ 46,250 | $ 0 |
| St. Lawrence, New York | 4 | $ 175,000 | $ 43,750 | $ 0 |
| Portage, Ohio | 4 | $ 240,000 | $ 60,000 | $ 0 |
| Stafford, Virginia | 4 | $ 120,000 | $ 30,000 | $ 0 |
| Fairfield, Connecticut | 3 | $ 1,311,000 | $ 437,000 | $ 0 |
| New Castle, Delaware | 3 | $ 92,000 | $ 30,666 | $ 0 |
| Palm Beach, Florida | 3 | $ 660,000 | $ 220,000 | $ 0 |
| Prince George's, Maryland | 3 | $ 784,000 | $ 261,333 | $ 0 |
| Ocean, New Jersey | 3 | $ 1,416,000 | $ 472,000 | $ 213,000 |
| Union, New Jersey | 3 | $ 1,260,000 | $ 420,000 | $ 0 |
| Cattaraugus, New York | 3 | $ 156,000 | $ 52,000 | $ 0 |
| Oneida, New York | 3 | $ 230,000 | $ 76,666 | $ 0 |
| Otsego, New York | 3 | $ 208,000 | $ 69,333 | $ 0 |
| Licking, Ohio | 3 | $ 91,000 | $ 30,333 | $ 0 |
| Dauphin, Pennsylvania | 3 | $ 52,000 | $ 17,333 | $ 0 |
| Erie, Pennsylvania | 3 | $ 78,000 | $ 26,000 | $ 0 |
| Lawrence, Pennsylvania | 3 | $ 168,000 | $ 56,000 | $ 0 |
| Lebanon, Pennsylvania | 3 | $ 62,000 | $ 20,666 | $ 0 |
| Northumberland, Pennsylvania | 3 | $ 177,000 | $ 59,000 | $ 66,000 |
| Westmoreland, Pennsylvania | 3 | $ 75,000 | $ 25,000 | $ 0 |
| Horry, South Carolina | 3 | $ 1,156,000 | $ 385,333 | $ 0 |
| Lake, Florida | 2 | $ 444,000 | $ 222,000 | $ 0 |
| Lee, Florida | 2 | $ 157,000 | $ 78,500 | $ 47,000 |
| Grant, Kentucky | 2 | $ 35,000 | $ 17,500 | $ 0 |
| Kenton, Kentucky | 2 | $ 94,000 | $ 47,000 | $ 0 |
| Laurel, Kentucky | 2 | $ 58,000 | $ 29,000 | $ 0 |
| Letcher, Kentucky | 2 | $ 98,000 | $ 49,000 | $ 0 |
| Pike, Kentucky | 2 | $ 115,000 | $ 57,500 | $ 0 |
| Taylor, Kentucky | 2 | $ 72,000 | $ 36,000 | $ 0 |
| Charles, Maryland | 2 | $ 527,000 | $ 263,500 | $ 0 |
| St. Mary's, Maryland | 2 | $ 564,000 | $ 282,000 | $ 0 |
| Washington, Maryland | 2 | $ 94,000 | $ 47,000 | $ 0 |
| Wicomico, Maryland | 2 | $ 129,000 | $ 64,500 | $ 0 |
| Essex, Massachusetts | 2 | $ 810,000 | $ 405,000 | $ 0 |
| Plymouth, Massachusetts | 2 | $ 893,000 | $ 446,500 | $ 0 |
| Suffolk, Massachusetts | 2 | $ 933,000 | $ 466,500 | $ 0 |
| Kent, Michigan | 2 | $ 43,000 | $ 21,500 | $ 0 |
| Monroe, Michigan | 2 | $ 42,000 | $ 21,000 | $ 0 |
| Oakland, Michigan | 2 | $ 165,000 | $ 82,500 | $ 0 |
| Atlantic, New Jersey | 2 | $ 453,000 | $ 226,500 | $ 345,000 |
| Cape May, New Jersey | 2 | $ 742,000 | $ 371,000 | $ 280,000 |
| Middlesex, New Jersey | 2 | $ 488,000 | $ 244,000 | $ 27,000 |
| Monmouth, New Jersey | 2 | $ 793,000 | $ 396,500 | $ 0 |
| Oswego, New York | 2 | $ 212,000 | $ 106,000 | $ 0 |
| Sullivan, New York | 2 | $ 197,000 | $ 98,500 | $ 0 |
| Washington, New York | 2 | $ 178,000 | $ 89,000 | $ 0 |
| Mecklenburg, North Carolina | 2 | $ 1,113,000 | $ 556,500 | $ 0 |
| Hancock, Ohio | 2 | $ 51,000 | $ 25,500 | $ 0 |
| Wayne, Ohio | 2 | $ 162,000 | $ 81,000 | $ 0 |
| Adams, Pennsylvania | 2 | $ 525,000 | $ 262,500 | $ 140,000 |
| Butler, Pennsylvania | 2 | $ 63,000 | $ 31,500 | $ 0 |
| Franklin, Pennsylvania | 2 | $ 66,000 | $ 33,000 | $ 0 |
| Lycoming, Pennsylvania | 2 | $ 196,000 | $ 98,000 | $ 136,000 |
| Augusta, Virginia | 2 | $ 117,000 | $ 58,500 | $ 0 |
| Fairfax, Virginia | 2 | $ 910,000 | $ 455,000 | $ 0 |
| Raleigh, West Virginia | 2 | $ 132,000 | $ 66,000 | $ 0 |
| Madison, Alabama | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Tuscaloosa, Alabama | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Middlesex, Connecticut | 1 | $ 992,000 | $ 992,000 | $ 0 |
| New London, Connecticut | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Windham, Connecticut | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Brevard, Florida | 1 | $ 594,000 | $ 594,000 | $ 0 |
| Broward, Florida | 1 | $ 666,000 | $ 666,000 | $ 0 |
| Charlotte, Florida | 1 | $ 298,000 | $ 298,000 | $ 0 |
| Hernando, Florida | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Manatee, Florida | 1 | $ 850,000 | $ 850,000 | $ 0 |
| Martin, Florida | 1 | $ 636,000 | $ 636,000 | $ 0 |
| Orange, Florida | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Pasco, Florida | 1 | $ 133,000 | $ 133,000 | $ 0 |
| St. Johns, Florida | 1 | $ 998,000 | $ 998,000 | $ 0 |
| Volusia, Florida | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Washington, Florida | 1 | $ 519,000 | $ 519,000 | $ 0 |
| DeKalb, Georgia | 1 | $ 246,000 | $ 246,000 | $ 0 |
| Gordon, Georgia | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Jackson, Georgia | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Richmond, Georgia | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Sumter, Georgia | 1 | $ 36,000 | $ 36,000 | $ 0 |
| DuPage, Illinois | 1 | $ 644,000 | $ 644,000 | $ 0 |
| Effingham, Illinois | 1 | $ 199,000 | $ 199,000 | $ 0 |
| Grundy, Illinois | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Lawrence, Illinois | 1 | $ 90,000 | $ 90,000 | $ 0 |
| McHenry, Illinois | 1 | $ 198,000 | $ 198,000 | $ 0 |
| St. Clair, Illinois | 1 | $ 21,000 | $ 21,000 | $ 0 |
| Blackford, Indiana | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Huntington, Indiana | 1 | $ 17,000 | $ 17,000 | $ 0 |
| Vanderburgh, Indiana | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Barren, Kentucky | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Bell, Kentucky | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Bullitt, Kentucky | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Campbell, Kentucky | 1 | $ 63,000 | $ 63,000 | $ 0 |
| Gallatin, Kentucky | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Johnson, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Knott, Kentucky | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Marion, Kentucky | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Muhlenberg, Kentucky | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Rockcastle, Kentucky | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Russell, Kentucky | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Whitley, Kentucky | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Lafayette, Louisiana | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Androscoggin, Maine | 1 | $ 11,000 | $ 11,000 | $ 0 |
| Cumberland, Maine | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Lincoln, Maine | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Oxford, Maine | 1 | $ 631,000 | $ 631,000 | $ 0 |
| Washington, Maine | 1 | $ 8,000 | $ 8,000 | $ 0 |
| Baltimore, Maryland | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Caroline, Maryland | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Carroll, Maryland | 1 | $ 366,000 | $ 366,000 | $ 0 |
| Cecil, Maryland | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Dorchester, Maryland | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Harford, Maryland | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Montgomery, Maryland | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Bristol, Massachusetts | 1 | $ 219,000 | $ 219,000 | $ 0 |
| Bay, Michigan | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Cass, Michigan | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Genesee, Michigan | 1 | $ 437,000 | $ 437,000 | $ 0 |
| Livingston, Michigan | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Ottawa, Michigan | 1 | $ 23,000 | $ 23,000 | $ 0 |
| St. Joseph, Michigan | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Washtenaw, Michigan | 1 | $ 27,000 | $ 27,000 | $ 0 |
| Wayne, Michigan | 1 | $ 21,000 | $ 21,000 | $ 0 |
| Burlington, New Jersey | 1 | $ 438,000 | $ 438,000 | $ 0 |
| Essex, New Jersey | 1 | $ 244,000 | $ 244,000 | $ 0 |
| Gloucester, New Jersey | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Mercer, New Jersey | 1 | $ 842,000 | $ 842,000 | $ 0 |
| Allegany, New York | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Bronx, New York | 1 | $ 523,000 | $ 523,000 | $ 0 |
| Broome, New York | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Cayuga, New York | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Chautauqua, New York | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Chenango, New York | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Dutchess, New York | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Franklin, New York | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Fulton, New York | 1 | $ 59,000 | $ 59,000 | $ 0 |
| Genesee, New York | 1 | $ 59,000 | $ 59,000 | $ 0 |
| Livingston, New York | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Montgomery, New York | 1 | $ 122,000 | $ 122,000 | $ 0 |
| New York, New York | 1 | $ 364,000 | $ 364,000 | $ 0 |
| Niagara, New York | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Richmond, New York | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Rockland, New York | 1 | $ 442,000 | $ 442,000 | $ 0 |
| Steuben, New York | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Tioga, New York | 1 | $ 54,000 | $ 54,000 | $ 0 |
| Wyoming, New York | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Forsyth, North Carolina | 1 | $ 165,000 | $ 165,000 | $ 0 |
| New Hanover, North Carolina | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Orange, North Carolina | 1 | $ 636,000 | $ 636,000 | $ 0 |
| Rockingham, North Carolina | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Union, North Carolina | 1 | $ 601,000 | $ 601,000 | $ 0 |
| Wake, North Carolina | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Allen, Ohio | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Butler, Ohio | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Clinton, Ohio | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Cuyahoga, Ohio | 1 | $ 27,000 | $ 27,000 | $ 0 |
| Fulton, Ohio | 1 | $ 37,000 | $ 37,000 | $ 0 |
| Highland, Ohio | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Hocking, Ohio | 1 | $ 22,000 | $ 22,000 | $ 0 |
| Logan, Ohio | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Lucas, Ohio | 1 | $ 12,000 | $ 12,000 | $ 0 |
| Mahoning, Ohio | 1 | $ 179,000 | $ 179,000 | $ 0 |
| Montgomery, Ohio | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Muskingum, Ohio | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Pickaway, Ohio | 1 | $ 37,000 | $ 37,000 | $ 0 |
| Ross, Ohio | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Stark, Ohio | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Summit, Ohio | 1 | $ 487,000 | $ 487,000 | $ 0 |
| Wood, Ohio | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Allegheny, Pennsylvania | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Blair, Pennsylvania | 1 | $ 684,000 | $ 684,000 | $ 0 |
| Bradford, Pennsylvania | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Fayette, Pennsylvania | 1 | $ 13,000 | $ 13,000 | $ 0 |
| Montour, Pennsylvania | 1 | $ 329,000 | $ 329,000 | $ 0 |
| Perry, Pennsylvania | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Sullivan, Pennsylvania | 1 | $ 103,000 | $ 103,000 | $ 33,000 |
| Tioga, Pennsylvania | 1 | $ 40,000 | $ 40,000 | $ 65,000 |
| Washington, Pennsylvania | 1 | $ 18,000 | $ 18,000 | $ 0 |
| Wayne, Pennsylvania | 1 | $ 27,000 | $ 27,000 | $ 0 |
| Providence, Rhode Island | 1 | $ 272,000 | $ 272,000 | $ 0 |
| Beaufort, South Carolina | 1 | $ 723,000 | $ 723,000 | $ 0 |
| Charleston, South Carolina | 1 | $ 786,000 | $ 786,000 | $ 0 |
| Dorchester, South Carolina | 1 | $ 264,000 | $ 264,000 | $ 0 |
| Greenville, South Carolina | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Blount, Tennessee | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Davidson, Tennessee | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Scott, Tennessee | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Rutland, Vermont | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Washington, Vermont | 1 | $ 440,000 | $ 440,000 | $ 0 |
| Caroline, Virginia | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Chesapeake, Virginia | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Chesterfield, Virginia | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Franklin, Virginia | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Greensville, Virginia | 1 | $ 40,000 | $ 40,000 | $ 0 |
| James City, Virginia | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Loudoun, Virginia | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Portsmouth, Virginia | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Rockingham, Virginia | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Smyth, Virginia | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Spotsylvania, Virginia | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Boone, West Virginia | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Brooke, West Virginia | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Cabell, West Virginia | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Marion, West Virginia | 1 | $ 46,000 | $ 46,000 | $ 0 |
| Mercer, West Virginia | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Monongalia, West Virginia | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Ohio, West Virginia | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Pendleton, West Virginia | 1 | $ 11,000 | $ 11,000 | $ 0 |
| Putnam, West Virginia | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Taylor, West Virginia | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Wirt, West Virginia | 1 | $ 54,000 | $ 54,000 | $ 0 |
| Wood, West Virginia | 1 | $ 40,000 | $ 40,000 | $ 0 |
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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