Keystone Nazareth Bank & Trust Mortgage Lending & HMDA Data, 2006
In 2006, Keystone Nazareth Bank & Trust of Bethlehem, PA reported 6,056 mortgage applications totaling $409.6 million, up 43% from 2005. The average application was for $67,642, and applicants reported an average income of $58,301. 58% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Allentown-Bethlehem-Easton, PA-NJ (3,270), Scranton--Wilkes-Barre, PA (587) and Philadelphia, PA (164) (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 | 6,056 |
| Total Mortgage Loan Application Amount | $409,642,000 |
| Average Mortgage Loan Application Amount | $67,642 |
| Highest Mortgage Loan Application Amount | $2,700,000 |
| Average Applicant Income | $58,301 |
| Highest Applicant Income | $996,000 |
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records Keystone Nazareth Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,811 | $ 136,858,000 | $ 75,570 | $ 78,000 |
| Lehigh, Pennsylvania | 1,237 | $ 103,358,000 | $ 83,555 | $ 75,000 |
| Luzerne, Pennsylvania | 575 | $ 35,107,000 | $ 61,055 | $ 67,000 |
| Monroe, Pennsylvania | 363 | $ 29,859,000 | $ 82,256 | $ 75,000 |
| Schuylkill, Pennsylvania | 336 | $ 15,103,000 | $ 44,949 | $ 58,000 |
| Carbon, Pennsylvania | 215 | $ 12,573,000 | $ 58,479 | $ 60,000 |
| New Castle, Delaware | 112 | $ 698,000 | $ 6,232 | $ 0 |
| Columbia, Pennsylvania | 98 | $ 5,549,000 | $ 56,622 | $ 71,000 |
| Berks, Pennsylvania | 80 | $ 3,674,000 | $ 45,925 | $ 33,000 |
| Lancaster, Pennsylvania | 69 | $ 822,000 | $ 11,913 | $ 0 |
| Bucks, Pennsylvania | 65 | $ 3,710,000 | $ 57,076 | $ 63,000 |
| Montgomery, Pennsylvania | 34 | $ 3,321,000 | $ 97,676 | $ 54,000 |
| Orange, New York | 28 | $ 89,000 | $ 3,178 | $ 0 |
| Hartford, Connecticut | 25 | $ 151,000 | $ 6,040 | $ 0 |
| Chester, Pennsylvania | 25 | $ 866,000 | $ 34,640 | $ 0 |
| Camden, New Jersey | 24 | $ 62,000 | $ 2,583 | $ 0 |
| Philadelphia, Pennsylvania | 21 | $ 677,000 | $ 32,238 | $ 8,000 |
| Burlington, New Jersey | 19 | $ 60,000 | $ 3,157 | $ 0 |
| Delaware, Pennsylvania | 19 | $ 506,000 | $ 26,631 | $ 0 |
| York, Pennsylvania | 19 | $ 540,000 | $ 28,421 | $ 0 |
| Cumberland, Pennsylvania | 16 | $ 565,000 | $ 35,312 | $ 3,000 |
| Northumberland, Pennsylvania | 16 | $ 898,000 | $ 56,125 | $ 53,000 |
| Kent, Delaware | 15 | $ 311,000 | $ 20,733 | $ 0 |
| Atlantic, New Jersey | 15 | $ 45,000 | $ 3,000 | $ 0 |
| Anne Arundel, Maryland | 13 | $ 683,000 | $ 52,538 | $ 0 |
| Dutchess, New York | 13 | $ 53,000 | $ 4,076 | $ 0 |
| Sussex, Delaware | 12 | $ 553,000 | $ 46,083 | $ 0 |
| Adams, Pennsylvania | 12 | $ 474,000 | $ 39,500 | $ 4,000 |
| Clinton, New York | 11 | $ 555,000 | $ 50,454 | $ 0 |
| Sullivan, New York | 11 | $ 513,000 | $ 46,636 | $ 0 |
| Allegheny, Pennsylvania | 11 | $ 161,000 | $ 14,636 | $ 0 |
| Pike, Pennsylvania | 11 | $ 625,000 | $ 56,818 | $ 61,000 |
| Broome, New York | 10 | $ 303,000 | $ 30,300 | $ 0 |
| Saratoga, New York | 10 | $ 379,000 | $ 37,900 | $ 0 |
| Ulster, New York | 10 | $ 379,000 | $ 37,900 | $ 0 |
| New London, Connecticut | 9 | $ 43,000 | $ 4,777 | $ 0 |
| Howard, Maryland | 9 | $ 417,000 | $ 46,333 | $ 0 |
| Cumberland, New Jersey | 9 | $ 31,000 | $ 3,444 | $ 0 |
| Gloucester, New Jersey | 9 | $ 35,000 | $ 3,888 | $ 0 |
| St. Lawrence, New York | 9 | $ 165,000 | $ 18,333 | $ 0 |
| Suffolk, New York | 9 | $ 1,572,000 | $ 174,666 | $ 0 |
| Westchester, New York | 9 | $ 688,000 | $ 76,444 | $ 0 |
| Dauphin, Pennsylvania | 9 | $ 143,000 | $ 15,888 | $ 0 |
| Lackawanna, Pennsylvania | 9 | $ 412,000 | $ 45,777 | $ 29,000 |
| Erie, New York | 8 | $ 16,000 | $ 2,000 | $ 0 |
| Butler, Pennsylvania | 8 | $ 681,000 | $ 85,125 | $ 0 |
| Westmoreland, Pennsylvania | 8 | $ 178,000 | $ 22,250 | $ 0 |
| Baltimore, Maryland | 7 | $ 346,000 | $ 49,428 | $ 0 |
| Warren, New Jersey | 7 | $ 173,000 | $ 24,714 | $ 37,000 |
| Franklin, Ohio | 7 | $ 195,000 | $ 27,857 | $ 0 |
| Lebanon, Pennsylvania | 7 | $ 114,000 | $ 16,285 | $ 0 |
| Montour, Pennsylvania | 7 | $ 459,000 | $ 65,571 | $ 172,000 |
| Chesapeake, Virginia | 7 | $ 98,000 | $ 14,000 | $ 0 |
| Spotsylvania, Virginia | 7 | $ 204,000 | $ 29,142 | $ 0 |
| Stafford, Virginia | 7 | $ 226,000 | $ 32,285 | $ 0 |
| New Haven, Connecticut | 6 | $ 714,000 | $ 119,000 | $ 0 |
| Sussex, New Jersey | 6 | $ 715,000 | $ 119,166 | $ 0 |
| Fulton, New York | 6 | $ 27,000 | $ 4,500 | $ 0 |
| Licking, Ohio | 6 | $ 265,000 | $ 44,166 | $ 0 |
| Portage, Ohio | 6 | $ 302,000 | $ 50,333 | $ 0 |
| Clearfield, Pennsylvania | 6 | $ 214,000 | $ 35,666 | $ 0 |
| Franklin, Pennsylvania | 6 | $ 63,000 | $ 10,500 | $ 0 |
| Susquehanna, Pennsylvania | 6 | $ 91,000 | $ 15,166 | $ 0 |
| Washington, Pennsylvania | 6 | $ 305,000 | $ 50,833 | $ 0 |
| Wayne, Pennsylvania | 6 | $ 414,000 | $ 69,000 | $ 40,000 |
| Prince William, Virginia | 6 | $ 649,000 | $ 108,166 | $ 0 |
| Fairfield, Connecticut | 5 | $ 188,000 | $ 37,600 | $ 0 |
| Middlesex, Connecticut | 5 | $ 261,000 | $ 52,200 | $ 0 |
| Windham, Connecticut | 5 | $ 22,000 | $ 4,400 | $ 0 |
| Knox, Maine | 5 | $ 53,000 | $ 10,600 | $ 0 |
| Hudson, New Jersey | 5 | $ 418,000 | $ 83,600 | $ 43,000 |
| Chenango, New York | 5 | $ 189,000 | $ 37,800 | $ 0 |
| Montgomery, New York | 5 | $ 113,000 | $ 22,600 | $ 0 |
| Oneida, New York | 5 | $ 240,000 | $ 48,000 | $ 0 |
| Onondaga, New York | 5 | $ 132,000 | $ 26,400 | $ 0 |
| Oswego, New York | 5 | $ 295,000 | $ 59,000 | $ 0 |
| Schenectady, New York | 5 | $ 69,000 | $ 13,800 | $ 0 |
| Wayne, New York | 5 | $ 164,000 | $ 32,800 | $ 0 |
| Erie, Pennsylvania | 5 | $ 191,000 | $ 38,200 | $ 0 |
| Newport News, Virginia | 5 | $ 14,000 | $ 2,800 | $ 0 |
| Tolland, Connecticut | 4 | $ 13,000 | $ 3,250 | $ 0 |
| Cook, Illinois | 4 | $ 750,000 | $ 187,500 | $ 0 |
| Harford, Maryland | 4 | $ 180,000 | $ 45,000 | $ 0 |
| Somerset, Maryland | 4 | $ 169,000 | $ 42,250 | $ 0 |
| Wicomico, Maryland | 4 | $ 312,000 | $ 78,000 | $ 0 |
| Essex, Massachusetts | 4 | $ 127,000 | $ 31,750 | $ 0 |
| Ocean, New Jersey | 4 | $ 206,000 | $ 51,500 | $ 0 |
| Union, New Jersey | 4 | $ 12,000 | $ 3,000 | $ 0 |
| Cattaraugus, New York | 4 | $ 129,000 | $ 32,250 | $ 0 |
| Nassau, New York | 4 | $ 2,007,000 | $ 501,750 | $ 0 |
| Bradford, Pennsylvania | 4 | $ 144,000 | $ 36,000 | $ 0 |
| Cambria, Pennsylvania | 4 | $ 60,000 | $ 15,000 | $ 0 |
| Fayette, Pennsylvania | 4 | $ 113,000 | $ 28,250 | $ 0 |
| Perry, Pennsylvania | 4 | $ 50,000 | $ 12,500 | $ 0 |
| Fairfax, Virginia | 4 | $ 592,000 | $ 148,000 | $ 0 |
| Hampton, Virginia | 4 | $ 9,000 | $ 2,250 | $ 0 |
| Miami-Dade, Florida | 3 | $ 785,000 | $ 261,666 | $ 0 |
| Grant, Kentucky | 3 | $ 158,000 | $ 52,666 | $ 0 |
| Wayne, Kentucky | 3 | $ 133,000 | $ 44,333 | $ 0 |
| Whitley, Kentucky | 3 | $ 134,000 | $ 44,666 | $ 0 |
| Penobscot, Maine | 3 | $ 23,000 | $ 7,666 | $ 0 |
| Carroll, Maryland | 3 | $ 547,000 | $ 182,333 | $ 0 |
| Washington, Maryland | 3 | $ 126,000 | $ 42,000 | $ 0 |
| Plymouth, Massachusetts | 3 | $ 10,000 | $ 3,333 | $ 0 |
| Bergen, New Jersey | 3 | $ 9,000 | $ 3,000 | $ 0 |
| Mercer, New Jersey | 3 | $ 170,000 | $ 56,666 | $ 0 |
| Middlesex, New Jersey | 3 | $ 7,000 | $ 2,333 | $ 0 |
| Salem, New Jersey | 3 | $ 47,000 | $ 15,666 | $ 0 |
| Somerset, New Jersey | 3 | $ 1,554,000 | $ 518,000 | $ 227,000 |
| Cayuga, New York | 3 | $ 155,000 | $ 51,666 | $ 0 |
| Delaware, New York | 3 | $ 96,000 | $ 32,000 | $ 0 |
| Franklin, New York | 3 | $ 19,000 | $ 6,333 | $ 0 |
| Jefferson, New York | 3 | $ 90,000 | $ 30,000 | $ 0 |
| Niagara, New York | 3 | $ 6,000 | $ 2,000 | $ 0 |
| Otsego, New York | 3 | $ 101,000 | $ 33,666 | $ 0 |
| Tioga, New York | 3 | $ 164,000 | $ 54,666 | $ 0 |
| Tompkins, New York | 3 | $ 39,000 | $ 13,000 | $ 0 |
| Perry, Ohio | 3 | $ 211,000 | $ 70,333 | $ 0 |
| Summit, Ohio | 3 | $ 88,000 | $ 29,333 | $ 0 |
| Wood, Ohio | 3 | $ 91,000 | $ 30,333 | $ 0 |
| Indiana, Pennsylvania | 3 | $ 322,000 | $ 107,333 | $ 0 |
| Wyoming, Pennsylvania | 3 | $ 348,000 | $ 116,000 | $ 34,000 |
| Bedford, Virginia | 3 | $ 149,000 | $ 49,666 | $ 0 |
| Henrico, Virginia | 3 | $ 9,000 | $ 3,000 | $ 0 |
| Isle of Wight, Virginia | 3 | $ 45,000 | $ 15,000 | $ 0 |
| James City, Virginia | 3 | $ 7,000 | $ 2,333 | $ 0 |
| King George, Virginia | 3 | $ 42,000 | $ 14,000 | $ 0 |
| Loudoun, Virginia | 3 | $ 1,165,000 | $ 388,333 | $ 0 |
| Virginia Beach, Virginia | 3 | $ 13,000 | $ 4,333 | $ 0 |
| Berkeley, West Virginia | 3 | $ 116,000 | $ 38,666 | $ 0 |
| Lee, Florida | 2 | $ 1,053,000 | $ 526,500 | $ 0 |
| Palm Beach, Florida | 2 | $ 641,000 | $ 320,500 | $ 0 |
| Chatham, Georgia | 2 | $ 348,000 | $ 174,000 | $ 0 |
| Dearborn, Indiana | 2 | $ 28,000 | $ 14,000 | $ 0 |
| Floyd, Kentucky | 2 | $ 139,000 | $ 69,500 | $ 0 |
| Franklin, Maine | 2 | $ 163,000 | $ 81,500 | $ 0 |
| Waldo, Maine | 2 | $ 97,000 | $ 48,500 | $ 0 |
| Baltimore City, Maryland | 2 | $ 301,000 | $ 150,500 | $ 0 |
| Cecil, Maryland | 2 | $ 45,000 | $ 22,500 | $ 0 |
| Charles, Maryland | 2 | $ 95,000 | $ 47,500 | $ 0 |
| Dorchester, Maryland | 2 | $ 134,000 | $ 67,000 | $ 0 |
| Prince George's, Maryland | 2 | $ 27,000 | $ 13,500 | $ 0 |
| Worcester, Maryland | 2 | $ 749,000 | $ 374,500 | $ 0 |
| Barnstable, Massachusetts | 2 | $ 302,000 | $ 151,000 | $ 0 |
| Middlesex, Massachusetts | 2 | $ 6,000 | $ 3,000 | $ 0 |
| Worcester, Massachusetts | 2 | $ 11,000 | $ 5,500 | $ 0 |
| Rockingham, New Hampshire | 2 | $ 885,000 | $ 442,500 | $ 0 |
| Cape May, New Jersey | 2 | $ 8,000 | $ 4,000 | $ 0 |
| Monmouth, New Jersey | 2 | $ 274,000 | $ 137,000 | $ 0 |
| Bronx, New York | 2 | $ 8,000 | $ 4,000 | $ 0 |
| Genesee, New York | 2 | $ 4,000 | $ 2,000 | $ 0 |
| Kings, New York | 2 | $ 1,238,000 | $ 619,000 | $ 0 |
| Madison, New York | 2 | $ 6,000 | $ 3,000 | $ 0 |
| Queens, New York | 2 | $ 265,000 | $ 132,500 | $ 0 |
| Rensselaer, New York | 2 | $ 34,000 | $ 17,000 | $ 0 |
| Richmond, New York | 2 | $ 1,058,000 | $ 529,000 | $ 0 |
| Rockland, New York | 2 | $ 500,000 | $ 250,000 | $ 0 |
| Seneca, New York | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Steuben, New York | 2 | $ 39,000 | $ 19,500 | $ 0 |
| Carroll, Ohio | 2 | $ 51,000 | $ 25,500 | $ 0 |
| Columbiana, Ohio | 2 | $ 68,000 | $ 34,000 | $ 0 |
| Guernsey, Ohio | 2 | $ 142,000 | $ 71,000 | $ 0 |
| Hocking, Ohio | 2 | $ 103,000 | $ 51,500 | $ 0 |
| Jefferson, Ohio | 2 | $ 116,000 | $ 58,000 | $ 0 |
| Knox, Ohio | 2 | $ 111,000 | $ 55,500 | $ 0 |
| Muskingum, Ohio | 2 | $ 84,000 | $ 42,000 | $ 0 |
| Tuscarawas, Ohio | 2 | $ 119,000 | $ 59,500 | $ 0 |
| Wayne, Ohio | 2 | $ 34,000 | $ 17,000 | $ 0 |
| Armstrong, Pennsylvania | 2 | $ 37,000 | $ 18,500 | $ 0 |
| Beaver, Pennsylvania | 2 | $ 115,000 | $ 57,500 | $ 0 |
| Blair, Pennsylvania | 2 | $ 50,000 | $ 25,000 | $ 0 |
| Centre, Pennsylvania | 2 | $ 51,000 | $ 25,500 | $ 0 |
| Crawford, Pennsylvania | 2 | $ 75,000 | $ 37,500 | $ 0 |
| Lycoming, Pennsylvania | 2 | $ 62,000 | $ 31,000 | $ 30,000 |
| Snyder, Pennsylvania | 2 | $ 105,000 | $ 52,500 | $ 0 |
| Venango, Pennsylvania | 2 | $ 5,000 | $ 2,500 | $ 0 |
| Davidson, Tennessee | 2 | $ 511,000 | $ 255,500 | $ 0 |
| Chittenden, Vermont | 2 | $ 156,000 | $ 78,000 | $ 0 |
| Accomack, Virginia | 2 | $ 851,000 | $ 425,500 | $ 0 |
| Montgomery, Virginia | 2 | $ 188,000 | $ 94,000 | $ 0 |
| Pulaski, Virginia | 2 | $ 217,000 | $ 108,500 | $ 0 |
| Randolph, West Virginia | 2 | $ 96,000 | $ 48,000 | $ 0 |
| Madison, Alabama | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Litchfield, Connecticut | 1 | $ 1,000 | $ 1,000 | $ 0 |
| District of Columbia, District Of Columbia | 1 | $ 632,000 | $ 632,000 | $ 0 |
| Broward, Florida | 1 | $ 412,000 | $ 412,000 | $ 0 |
| Collier, Florida | 1 | $ 440,000 | $ 440,000 | $ 0 |
| Orange, Florida | 1 | $ 489,000 | $ 489,000 | $ 0 |
| Kane, Illinois | 1 | $ 559,000 | $ 559,000 | $ 0 |
| Lake, Illinois | 1 | $ 204,000 | $ 204,000 | $ 0 |
| St. Clair, Illinois | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Martin, Indiana | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Morgan, Indiana | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Porter, Indiana | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Ripley, Indiana | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Spencer, Indiana | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Casey, Kentucky | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Gallatin, Kentucky | 1 | $ 19,000 | $ 19,000 | $ 0 |
| Greenup, Kentucky | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Harlan, Kentucky | 1 | $ 13,000 | $ 13,000 | $ 0 |
| Henry, Kentucky | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Laurel, Kentucky | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Lawrence, Kentucky | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Leslie, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Letcher, Kentucky | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Madison, Kentucky | 1 | $ 52,000 | $ 52,000 | $ 0 |
| McCreary, Kentucky | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Meade, Kentucky | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Muhlenberg, Kentucky | 1 | $ 13,000 | $ 13,000 | $ 0 |
| Owen, Kentucky | 1 | $ 19,000 | $ 19,000 | $ 0 |
| Pendleton, Kentucky | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Perry, Kentucky | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Pulaski, Kentucky | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Russell, Kentucky | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Wolfe, Kentucky | 1 | $ 14,000 | $ 14,000 | $ 0 |
| Androscoggin, Maine | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Aroostook, Maine | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Hancock, Maine | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Piscataquis, Maine | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Somerset, Maine | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Washington, Maine | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Frederick, Maryland | 1 | $ 576,000 | $ 576,000 | $ 0 |
| Kent, Maryland | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Queen Anne's, Maryland | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Hampden, Massachusetts | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Norfolk, Massachusetts | 1 | $ 6,000 | $ 6,000 | $ 0 |
| Manistee, Michigan | 1 | $ 1,000 | $ 1,000 | $ 0 |
| Oakland, Michigan | 1 | $ 18,000 | $ 18,000 | $ 0 |
| Jefferson, Missouri | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Carroll, New Hampshire | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Merrimack, New Hampshire | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Essex, New Jersey | 1 | $ 438,000 | $ 438,000 | $ 0 |
| Morris, New Jersey | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Albany, New York | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Chautauqua, New York | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Cortland, New York | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Essex, New York | 1 | $ 16,000 | $ 16,000 | $ 0 |
| New York, New York | 1 | $ 2,700,000 | $ 2,700,000 | $ 0 |
| Putnam, New York | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Schoharie, New York | 1 | $ 1,000 | $ 1,000 | $ 0 |
| Washington, New York | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Dare, North Carolina | 1 | $ 339,000 | $ 339,000 | $ 0 |
| Jackson, North Carolina | 1 | $ 579,000 | $ 579,000 | $ 0 |
| Athens, Ohio | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Auglaize, Ohio | 1 | $ 22,000 | $ 22,000 | $ 0 |
| Brown, Ohio | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Clark, Ohio | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Coshocton, Ohio | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Cuyahoga, Ohio | 1 | $ 598,000 | $ 598,000 | $ 0 |
| Fairfield, Ohio | 1 | $ 12,000 | $ 12,000 | $ 0 |
| Fayette, Ohio | 1 | $ 12,000 | $ 12,000 | $ 0 |
| Fulton, Ohio | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Geauga, Ohio | 1 | $ 11,000 | $ 11,000 | $ 0 |
| Greene, Ohio | 1 | $ 17,000 | $ 17,000 | $ 0 |
| Hancock, Ohio | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Holmes, Ohio | 1 | $ 37,000 | $ 37,000 | $ 0 |
| Logan, Ohio | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Madison, Ohio | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Mahoning, Ohio | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Mercer, Ohio | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Monroe, Ohio | 1 | $ 69,000 | $ 69,000 | $ 0 |
| Montgomery, Ohio | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Morrow, Ohio | 1 | $ 17,000 | $ 17,000 | $ 0 |
| Ottawa, Ohio | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Pickaway, Ohio | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Richland, Ohio | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Sandusky, Ohio | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Shelby, Ohio | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Stark, Ohio | 1 | $ 12,000 | $ 12,000 | $ 0 |
| Trumbull, Ohio | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Union, Ohio | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Williams, Ohio | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Wyandot, Ohio | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Bedford, Pennsylvania | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Clinton, Pennsylvania | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Forest, Pennsylvania | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Huntingdon, Pennsylvania | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Juniata, Pennsylvania | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Lawrence, Pennsylvania | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Somerset, Pennsylvania | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Union, Pennsylvania | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Shelby, Tennessee | 1 | $ 558,000 | $ 558,000 | $ 0 |
| Rutland, Vermont | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Washington, Vermont | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Albemarle, Virginia | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Buchanan, Virginia | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Charles City, Virginia | 1 | $ 1,000 | $ 1,000 | $ 0 |
| Chesterfield, Virginia | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Culpeper, Virginia | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Dickenson, Virginia | 1 | $ 59,000 | $ 59,000 | $ 0 |
| Floyd, Virginia | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Frederick, Virginia | 1 | $ 27,000 | $ 27,000 | $ 0 |
| Gloucester, Virginia | 1 | $ 73,000 | $ 73,000 | $ 0 |
| King William, Virginia | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Manassas, Virginia | 1 | $ 17,000 | $ 17,000 | $ 0 |
| Northampton, Virginia | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Richmond City, Virginia | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Shenandoah, Virginia | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Suffolk, Virginia | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Tazewell, Virginia | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Williamsburg, Virginia | 1 | $ 1,000 | $ 1,000 | $ 0 |
| York, Virginia | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Brooke, West Virginia | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Hampshire, West Virginia | 1 | $ 38,000 | $ 38,000 | $ 0 |
| Harrison, West Virginia | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Monroe, West Virginia | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Pleasants, West Virginia | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Wayne, West Virginia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Wood, West Virginia | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Wyoming, West Virginia | 1 | $ 38,000 | $ 38,000 | $ 0 |
Mortgage Loan Application Detail Totals for Keystone Nazareth Bank & Trust in 2006
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 | 2,736 | $77,371,000 | $28,000 | $1,040,000 | $51,000 | $996,000 |
| Refinancing | 1,869 | $143,361,000 | $76,000 | $1,050,000 | $70,000 | $750,000 |
| Home Purchase | 1,451 | $188,910,000 | $130,000 | $2,700,000 | $57,000 | $787,000 |
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 | 4,151 | $309,191,000 | $74,000 | $1,513,000 | $77,000 | $787,000 |
| Not applicable | 1,429 | $60,588,000 | $42,000 | $986,000 | $0 | $0 |
| Hispanic | 312 | $23,005,000 | $73,000 | $2,700,000 | $57,000 | $996,000 |
| 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 |
| American Indian or Alaskan Native | 23 | $744,000 | $32,000 | $100,000 | $59,000 | $164,000 |
| Not Provided | 19 | $1,569,000 | $82,000 | $416,000 | $72,000 | $150,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $150,000 | $37,000 | $90,000 | $135,000 | $360,000 |
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) | 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 |
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 | 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 |
| 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 |
| Application Approved But Not Accepted | 194 | $11,332,000 | $58,000 | $401,000 | $74,000 | $730,000 |
| File Closed For Incompleteness | 79 | $15,013,000 | $190,000 | $665,000 | $84,000 | $440,000 |
| 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 | 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 |
| Collateral | 72 | $5,370,000 | $74,000 | $1,040,000 | $74,000 | $346,000 |
| 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 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Keystone Nazareth Bank & Trust's 2006 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.
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