Keystone Nazareth Bank & Trust Mortgage Lending & HMDA Data, 2004
In 2004, Keystone Nazareth Bank & Trust of Bethlehem, PA reported 3,139 mortgage applications totaling $275.1 million, up 1% from 2003. The average application was for $87,627, and applicants reported an average income of $63,290. 81% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Allentown-Bethlehem-Easton, PA-NJ (2,788), Philadelphia, PA (54) and Reading, PA (23) (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 | 3,139 |
| Total Mortgage Loan Application Amount | $275,064,000 |
| Average Mortgage Loan Application Amount | $87,627 |
| Highest Mortgage Loan Application Amount | $2,080,000 |
| Average Applicant Income | $63,290 |
| Highest Applicant Income | $980,000 |
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records Keystone Nazareth Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,594 | $ 135,021,000 | $ 84,705 | $ 58,000 |
| Lehigh, Pennsylvania | 1,106 | $ 99,315,000 | $ 89,796 | $ 61,000 |
| Monroe, Pennsylvania | 260 | $ 23,597,000 | $ 90,757 | $ 72,000 |
| Carbon, Pennsylvania | 88 | $ 6,988,000 | $ 79,409 | $ 55,000 |
| Bucks, Pennsylvania | 49 | $ 5,491,000 | $ 112,061 | $ 76,000 |
| Berks, Pennsylvania | 23 | $ 2,775,000 | $ 120,652 | $ 75,000 |
| Pike, Pennsylvania | 6 | $ 493,000 | $ 82,166 | $ 44,000 |
| Montgomery, Pennsylvania | 5 | $ 450,000 | $ 90,000 | $ 77,000 |
| Schuylkill, Pennsylvania | 3 | $ 468,000 | $ 156,000 | $ 129,000 |
| Wayne, Pennsylvania | 3 | $ 306,000 | $ 102,000 | $ 79,000 |
| Warren, New Jersey | 1 | $ 10,000 | $ 10,000 | $ 42,000 |
| Luzerne, Pennsylvania | 1 | $ 150,000 | $ 150,000 | $ 104,000 |
Mortgage Loan Application Detail Totals for Keystone Nazareth Bank & Trust in 2004
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 |
|---|---|---|---|---|---|---|
| Home Improvement | 1,145 | $40,627,000 | $22,500 | $617,000 | $52,500 | $980,000 |
| Refinancing | 1,103 | $88,562,000 | $80,000 | $1,000,000 | $59,000 | $654,000 |
| Home Purchase | 891 | $145,875,000 | $163,000 | $2,080,000 | $69,000 | $910,000 |
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 | 2,772 | $245,881,000 | $49,000 | $2,080,000 | $56,500 | $980,000 |
| Hispanic | 238 | $14,876,000 | $62,000 | $516,000 | $44,000 | $160,000 |
| Asian | 36 | $4,340,000 | $120,000 | $615,000 | $90,000 | $249,000 |
| Not applicable | 33 | $4,621,000 | $140,000 | $880,000 | $4,000 | $189,000 |
| Black or African American | 27 | $2,792,000 | $103,000 | $376,000 | $71,000 | $211,000 |
| Not Provided | 21 | $1,088,000 | $51,000 | $190,000 | $50,000 | $127,000 |
| American Indian or Alaskan Native | 7 | $872,000 | $124,000 | $680,000 | $95,000 | $389,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $594,000 | $118,000 | $325,000 | $99,000 | $181,000 |
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) | 3,139 | $275,064,000 | $48,500 | $2,080,000 | $53,000 | $980,000 |
| 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 | 2,531 | $227,237,000 | $49,500 | $2,080,000 | $57,000 | $980,000 |
| Application Denied By Financial Institution | 340 | $22,077,000 | $64,000 | $510,000 | $52,000 | $950,000 |
| Application Approved But Not Accepted | 143 | $13,734,000 | $96,000 | $615,000 | $73,000 | $654,000 |
| Application Withdrawn By Applicant | 96 | $10,139,000 | $105,000 | $1,120,000 | $70,000 | $905,000 |
| Loan Purchased By The Institution | 16 | $143,000 | $8,000 | $14,000 | $30,000 | $45,000 |
| File Closed For Incompleteness | 13 | $1,734,000 | $133,000 | $240,000 | $69,000 | $96,000 |
| 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 | 173 | $10,132,000 | $58,000 | $440,000 | $55,000 | $281,000 |
| Debt-To-Income Ratio | 66 | $4,651,000 | $70,000 | $510,000 | $38,000 | $100,000 |
| Collateral | 37 | $2,706,000 | $73,000 | $360,000 | $77,000 | $950,000 |
| Other | 33 | $1,744,000 | $52,000 | $228,000 | $54,000 | $125,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $1,447,000 | $144,000 | $252,000 | $54,000 | $125,000 |
| Employment History | 5 | $355,000 | $71,000 | $85,000 | $25,000 | $30,000 |
| Unverifiable Information | 3 | $551,000 | $183,000 | $490,000 | $71,000 | $162,000 |
| 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 2004 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.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About