Keystone Nazareth Bank & Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
Keystone Nazareth Bank & Trust 2006 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | $78,000 |
| Highest Mortgage Loan Application Amount | $2,700,000 |
| Average Applicant Income | $59,333 |
| Highest Applicant Income | $996,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 with Keystone Nazareth Bank & Trust. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Keystone Nazareth Bank & Trust's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2006 breaks down Keystone Nazareth Bank & Trust's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Keystone Nazareth Bank & Trust serves its applicants.
Each category highlights the total number of mortgage applications processed by Keystone Nazareth Bank & Trust, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Keystone Nazareth Bank & Trust's mortgage activity for 2006.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Northampton County Pennsylvania | 1,811 | $ 136,858,000 | $ 75,000 | $ 78,000 |
| Lehigh County Pennsylvania | 1,237 | $ 103,358,000 | $ 83,000 | $ 75,000 |
| Luzerne County Pennsylvania | 575 | $ 35,107,000 | $ 61,000 | $ 67,000 |
| Monroe County Pennsylvania | 363 | $ 29,859,000 | $ 82,000 | $ 75,000 |
| Schuylkill County Pennsylvania | 336 | $ 15,103,000 | $ 44,000 | $ 58,000 |
| Carbon County Pennsylvania | 215 | $ 12,573,000 | $ 58,000 | $ 60,000 |
| New Castle County Delaware | 112 | $ 698,000 | $ 6,000 | $ 0 |
| Columbia County Pennsylvania | 98 | $ 5,549,000 | $ 56,000 | $ 71,000 |
| Berks County Pennsylvania | 80 | $ 3,674,000 | $ 45,000 | $ 33,000 |
| Lancaster County Pennsylvania | 69 | $ 822,000 | $ 11,000 | $ 0 |
| Bucks County Pennsylvania | 65 | $ 3,710,000 | $ 57,000 | $ 63,000 |
| Montgomery County Pennsylvania | 34 | $ 3,321,000 | $ 97,000 | $ 54,000 |
| Orange County New York | 28 | $ 89,000 | $ 3,000 | $ 0 |
| Hartford County Connecticut | 25 | $ 151,000 | $ 6,000 | $ 0 |
| Chester County Pennsylvania | 25 | $ 866,000 | $ 34,000 | $ 0 |
| Camden County New Jersey | 24 | $ 62,000 | $ 2,000 | $ 0 |
| Philadelphia County Pennsylvania | 21 | $ 677,000 | $ 32,000 | $ 8,000 |
| Burlington County New Jersey | 19 | $ 60,000 | $ 3,000 | $ 0 |
| Delaware County Pennsylvania | 19 | $ 506,000 | $ 26,000 | $ 0 |
| York County Pennsylvania | 19 | $ 540,000 | $ 28,000 | $ 0 |
| Cumberland County Pennsylvania | 16 | $ 565,000 | $ 35,000 | $ 3,000 |
| Northumberland County Pennsylvania | 16 | $ 898,000 | $ 56,000 | $ 53,000 |
| Kent County Delaware | 15 | $ 311,000 | $ 20,000 | $ 0 |
| Atlantic County New Jersey | 15 | $ 45,000 | $ 3,000 | $ 0 |
| Anne Arundel County Maryland | 13 | $ 683,000 | $ 52,000 | $ 0 |
| Dutchess County New York | 13 | $ 53,000 | $ 4,000 | $ 0 |
| Sussex County Delaware | 12 | $ 553,000 | $ 46,000 | $ 0 |
| Adams County Pennsylvania | 12 | $ 474,000 | $ 39,000 | $ 4,000 |
| Clinton County New York | 11 | $ 555,000 | $ 50,000 | $ 0 |
| Sullivan County New York | 11 | $ 513,000 | $ 46,000 | $ 0 |
| Allegheny County Pennsylvania | 11 | $ 161,000 | $ 14,000 | $ 0 |
| Pike County Pennsylvania | 11 | $ 625,000 | $ 56,000 | $ 61,000 |
| Broome County New York | 10 | $ 303,000 | $ 30,000 | $ 0 |
| Saratoga County New York | 10 | $ 379,000 | $ 37,000 | $ 0 |
| Ulster County New York | 10 | $ 379,000 | $ 37,000 | $ 0 |
| New London County Connecticut | 9 | $ 43,000 | $ 4,000 | $ 0 |
| Howard County Maryland | 9 | $ 417,000 | $ 46,000 | $ 0 |
| Cumberland County New Jersey | 9 | $ 31,000 | $ 3,000 | $ 0 |
| Gloucester County New Jersey | 9 | $ 35,000 | $ 3,000 | $ 0 |
| St. Lawrence County New York | 9 | $ 165,000 | $ 18,000 | $ 0 |
| Suffolk County New York | 9 | $ 1,572,000 | $ 174,000 | $ 0 |
| Westchester County New York | 9 | $ 688,000 | $ 76,000 | $ 0 |
| Dauphin County Pennsylvania | 9 | $ 143,000 | $ 15,000 | $ 0 |
| Lackawanna County Pennsylvania | 9 | $ 412,000 | $ 45,000 | $ 29,000 |
| Erie County New York | 8 | $ 16,000 | $ 2,000 | $ 0 |
| Butler County Pennsylvania | 8 | $ 681,000 | $ 85,000 | $ 0 |
| Westmoreland County Pennsylvania | 8 | $ 178,000 | $ 22,000 | $ 0 |
| Baltimore County Maryland | 7 | $ 346,000 | $ 49,000 | $ 0 |
| Warren County New Jersey | 7 | $ 173,000 | $ 24,000 | $ 37,000 |
| Franklin County Ohio | 7 | $ 195,000 | $ 27,000 | $ 0 |
| Lebanon County Pennsylvania | 7 | $ 114,000 | $ 16,000 | $ 0 |
| Montour County Pennsylvania | 7 | $ 459,000 | $ 65,000 | $ 172,000 |
| Chesapeake County Virginia | 7 | $ 98,000 | $ 14,000 | $ 0 |
| Spotsylvania County Virginia | 7 | $ 204,000 | $ 29,000 | $ 0 |
| Stafford County Virginia | 7 | $ 226,000 | $ 32,000 | $ 0 |
| New Haven County Connecticut | 6 | $ 714,000 | $ 119,000 | $ 0 |
| Sussex County New Jersey | 6 | $ 715,000 | $ 119,000 | $ 0 |
| Fulton County New York | 6 | $ 27,000 | $ 4,000 | $ 0 |
| Licking County Ohio | 6 | $ 265,000 | $ 44,000 | $ 0 |
| Portage County Ohio | 6 | $ 302,000 | $ 50,000 | $ 0 |
| Clearfield County Pennsylvania | 6 | $ 214,000 | $ 35,000 | $ 0 |
| Franklin County Pennsylvania | 6 | $ 63,000 | $ 10,000 | $ 0 |
| Susquehanna County Pennsylvania | 6 | $ 91,000 | $ 15,000 | $ 0 |
| Washington County Pennsylvania | 6 | $ 305,000 | $ 50,000 | $ 0 |
| Wayne County Pennsylvania | 6 | $ 414,000 | $ 69,000 | $ 40,000 |
| Prince William County Virginia | 6 | $ 649,000 | $ 108,000 | $ 0 |
| Fairfield County Connecticut | 5 | $ 188,000 | $ 37,000 | $ 0 |
| Middlesex County Connecticut | 5 | $ 261,000 | $ 52,000 | $ 0 |
| Windham County Connecticut | 5 | $ 22,000 | $ 4,000 | $ 0 |
| Knox County Maine | 5 | $ 53,000 | $ 10,000 | $ 0 |
| Hudson County New Jersey | 5 | $ 418,000 | $ 83,000 | $ 43,000 |
| Chenango County New York | 5 | $ 189,000 | $ 37,000 | $ 0 |
| Montgomery County New York | 5 | $ 113,000 | $ 22,000 | $ 0 |
| Oneida County New York | 5 | $ 240,000 | $ 48,000 | $ 0 |
| Onondaga County New York | 5 | $ 132,000 | $ 26,000 | $ 0 |
| Oswego County New York | 5 | $ 295,000 | $ 59,000 | $ 0 |
| Schenectady County New York | 5 | $ 69,000 | $ 13,000 | $ 0 |
| Wayne County New York | 5 | $ 164,000 | $ 32,000 | $ 0 |
| Erie County Pennsylvania | 5 | $ 191,000 | $ 38,000 | $ 0 |
| Newport News County Virginia | 5 | $ 14,000 | $ 2,000 | $ 0 |
| Tolland County Connecticut | 4 | $ 13,000 | $ 3,000 | $ 0 |
| Cook County Illinois | 4 | $ 750,000 | $ 187,000 | $ 0 |
| Harford County Maryland | 4 | $ 180,000 | $ 45,000 | $ 0 |
| Somerset County Maryland | 4 | $ 169,000 | $ 42,000 | $ 0 |
| Wicomico County Maryland | 4 | $ 312,000 | $ 78,000 | $ 0 |
| Essex County Massachusetts | 4 | $ 127,000 | $ 31,000 | $ 0 |
| Ocean County New Jersey | 4 | $ 206,000 | $ 51,000 | $ 0 |
| Union County New Jersey | 4 | $ 12,000 | $ 3,000 | $ 0 |
| Cattaraugus County New York | 4 | $ 129,000 | $ 32,000 | $ 0 |
| Nassau County New York | 4 | $ 2,007,000 | $ 501,000 | $ 0 |
| Bradford County Pennsylvania | 4 | $ 144,000 | $ 36,000 | $ 0 |
| Cambria County Pennsylvania | 4 | $ 60,000 | $ 15,000 | $ 0 |
| Fayette County Pennsylvania | 4 | $ 113,000 | $ 28,000 | $ 0 |
| Perry County Pennsylvania | 4 | $ 50,000 | $ 12,000 | $ 0 |
| Fairfax County Virginia | 4 | $ 592,000 | $ 148,000 | $ 0 |
| Hampton County Virginia | 4 | $ 9,000 | $ 2,000 | $ 0 |
| Miami-Dade County Florida | 3 | $ 785,000 | $ 261,000 | $ 0 |
| Grant County Kentucky | 3 | $ 158,000 | $ 52,000 | $ 0 |
| Wayne County Kentucky | 3 | $ 133,000 | $ 44,000 | $ 0 |
| Whitley County Kentucky | 3 | $ 134,000 | $ 44,000 | $ 0 |
| Penobscot County Maine | 3 | $ 23,000 | $ 7,000 | $ 0 |
| Carroll County Maryland | 3 | $ 547,000 | $ 182,000 | $ 0 |
| Washington County Maryland | 3 | $ 126,000 | $ 42,000 | $ 0 |
| Plymouth County Massachusetts | 3 | $ 10,000 | $ 3,000 | $ 0 |
| Bergen County New Jersey | 3 | $ 9,000 | $ 3,000 | $ 0 |
| Mercer County New Jersey | 3 | $ 170,000 | $ 56,000 | $ 0 |
| Middlesex County New Jersey | 3 | $ 7,000 | $ 2,000 | $ 0 |
| Salem County New Jersey | 3 | $ 47,000 | $ 15,000 | $ 0 |
| Somerset County New Jersey | 3 | $ 1,554,000 | $ 518,000 | $ 227,000 |
| Cayuga County New York | 3 | $ 155,000 | $ 51,000 | $ 0 |
| Delaware County New York | 3 | $ 96,000 | $ 32,000 | $ 0 |
| Franklin County New York | 3 | $ 19,000 | $ 6,000 | $ 0 |
| Jefferson County New York | 3 | $ 90,000 | $ 30,000 | $ 0 |
| Niagara County New York | 3 | $ 6,000 | $ 2,000 | $ 0 |
| Otsego County New York | 3 | $ 101,000 | $ 33,000 | $ 0 |
| Tioga County New York | 3 | $ 164,000 | $ 54,000 | $ 0 |
| Tompkins County New York | 3 | $ 39,000 | $ 13,000 | $ 0 |
| Perry County Ohio | 3 | $ 211,000 | $ 70,000 | $ 0 |
| Summit County Ohio | 3 | $ 88,000 | $ 29,000 | $ 0 |
| Wood County Ohio | 3 | $ 91,000 | $ 30,000 | $ 0 |
| Indiana County Pennsylvania | 3 | $ 322,000 | $ 107,000 | $ 0 |
| Wyoming County Pennsylvania | 3 | $ 348,000 | $ 116,000 | $ 34,000 |
| Bedford County Virginia | 3 | $ 149,000 | $ 49,000 | $ 0 |
| Henrico County Virginia | 3 | $ 9,000 | $ 3,000 | $ 0 |
| Isle of Wight County Virginia | 3 | $ 45,000 | $ 15,000 | $ 0 |
| James City County Virginia | 3 | $ 7,000 | $ 2,000 | $ 0 |
| King George County Virginia | 3 | $ 42,000 | $ 14,000 | $ 0 |
| Loudoun County Virginia | 3 | $ 1,165,000 | $ 388,000 | $ 0 |
| Virginia Beach County Virginia | 3 | $ 13,000 | $ 4,000 | $ 0 |
| Berkeley County West Virginia | 3 | $ 116,000 | $ 38,000 | $ 0 |
| Lee County Florida | 2 | $ 1,053,000 | $ 526,000 | $ 0 |
| Palm Beach County Florida | 2 | $ 641,000 | $ 320,000 | $ 0 |
| Chatham County Georgia | 2 | $ 348,000 | $ 174,000 | $ 0 |
| Dearborn County Indiana | 2 | $ 28,000 | $ 14,000 | $ 0 |
| Floyd County Kentucky | 2 | $ 139,000 | $ 69,000 | $ 0 |
| Franklin County Maine | 2 | $ 163,000 | $ 81,000 | $ 0 |
| Waldo County Maine | 2 | $ 97,000 | $ 48,000 | $ 0 |
| Baltimore City County Maryland | 2 | $ 301,000 | $ 150,000 | $ 0 |
| Cecil County Maryland | 2 | $ 45,000 | $ 22,000 | $ 0 |
| Charles County Maryland | 2 | $ 95,000 | $ 47,000 | $ 0 |
| Dorchester County Maryland | 2 | $ 134,000 | $ 67,000 | $ 0 |
| Prince George's County Maryland | 2 | $ 27,000 | $ 13,000 | $ 0 |
| Worcester County Maryland | 2 | $ 749,000 | $ 374,000 | $ 0 |
| Barnstable County Massachusetts | 2 | $ 302,000 | $ 151,000 | $ 0 |
| Middlesex County Massachusetts | 2 | $ 6,000 | $ 3,000 | $ 0 |
| Worcester County Massachusetts | 2 | $ 11,000 | $ 5,000 | $ 0 |
| Rockingham County New Hampshire | 2 | $ 885,000 | $ 442,000 | $ 0 |
| Cape May County New Jersey | 2 | $ 8,000 | $ 4,000 | $ 0 |
| Monmouth County New Jersey | 2 | $ 274,000 | $ 137,000 | $ 0 |
| Bronx County New York | 2 | $ 8,000 | $ 4,000 | $ 0 |
| Genesee County New York | 2 | $ 4,000 | $ 2,000 | $ 0 |
| Kings County New York | 2 | $ 1,238,000 | $ 619,000 | $ 0 |
| Madison County New York | 2 | $ 6,000 | $ 3,000 | $ 0 |
| Queens County New York | 2 | $ 265,000 | $ 132,000 | $ 0 |
| Rensselaer County New York | 2 | $ 34,000 | $ 17,000 | $ 0 |
| Richmond County New York | 2 | $ 1,058,000 | $ 529,000 | $ 0 |
| Rockland County New York | 2 | $ 500,000 | $ 250,000 | $ 0 |
| Seneca County New York | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Steuben County New York | 2 | $ 39,000 | $ 19,000 | $ 0 |
| Carroll County Ohio | 2 | $ 51,000 | $ 25,000 | $ 0 |
| Columbiana County Ohio | 2 | $ 68,000 | $ 34,000 | $ 0 |
| Guernsey County Ohio | 2 | $ 142,000 | $ 71,000 | $ 0 |
| Hocking County Ohio | 2 | $ 103,000 | $ 51,000 | $ 0 |
| Jefferson County Ohio | 2 | $ 116,000 | $ 58,000 | $ 0 |
| Knox County Ohio | 2 | $ 111,000 | $ 55,000 | $ 0 |
| Muskingum County Ohio | 2 | $ 84,000 | $ 42,000 | $ 0 |
| Tuscarawas County Ohio | 2 | $ 119,000 | $ 59,000 | $ 0 |
| Wayne County Ohio | 2 | $ 34,000 | $ 17,000 | $ 0 |
| Armstrong County Pennsylvania | 2 | $ 37,000 | $ 18,000 | $ 0 |
| Beaver County Pennsylvania | 2 | $ 115,000 | $ 57,000 | $ 0 |
| Blair County Pennsylvania | 2 | $ 50,000 | $ 25,000 | $ 0 |
| Centre County Pennsylvania | 2 | $ 51,000 | $ 25,000 | $ 0 |
| Crawford County Pennsylvania | 2 | $ 75,000 | $ 37,000 | $ 0 |
| Lycoming County Pennsylvania | 2 | $ 62,000 | $ 31,000 | $ 30,000 |
| Snyder County Pennsylvania | 2 | $ 105,000 | $ 52,000 | $ 0 |
| Venango County Pennsylvania | 2 | $ 5,000 | $ 2,000 | $ 0 |
| Davidson County Tennessee | 2 | $ 511,000 | $ 255,000 | $ 0 |
| Chittenden County Vermont | 2 | $ 156,000 | $ 78,000 | $ 0 |
| Accomack County Virginia | 2 | $ 851,000 | $ 425,000 | $ 0 |
| Montgomery County Virginia | 2 | $ 188,000 | $ 94,000 | $ 0 |
| Pulaski County Virginia | 2 | $ 217,000 | $ 108,000 | $ 0 |
| Randolph County West Virginia | 2 | $ 96,000 | $ 48,000 | $ 0 |
| Madison County Alabama | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Litchfield County Connecticut | 1 | $ 1,000 | $ 1,000 | $ 0 |
| District of Columbia County District Of Columbia | 1 | $ 632,000 | $ 632,000 | $ 0 |
| Broward County Florida | 1 | $ 412,000 | $ 412,000 | $ 0 |
| Collier County Florida | 1 | $ 440,000 | $ 440,000 | $ 0 |
| Orange County Florida | 1 | $ 489,000 | $ 489,000 | $ 0 |
| Kane County Illinois | 1 | $ 559,000 | $ 559,000 | $ 0 |
| Lake County Illinois | 1 | $ 204,000 | $ 204,000 | $ 0 |
| St. Clair County Illinois | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Martin County Indiana | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Morgan County Indiana | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Porter County Indiana | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Ripley County Indiana | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Spencer County Indiana | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Casey County Kentucky | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Gallatin County Kentucky | 1 | $ 19,000 | $ 19,000 | $ 0 |
| Greenup County Kentucky | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Harlan County Kentucky | 1 | $ 13,000 | $ 13,000 | $ 0 |
| Henry County Kentucky | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Laurel County Kentucky | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Lawrence County Kentucky | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Leslie County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Letcher County Kentucky | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Madison County Kentucky | 1 | $ 52,000 | $ 52,000 | $ 0 |
| McCreary County Kentucky | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Meade County Kentucky | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Muhlenberg County Kentucky | 1 | $ 13,000 | $ 13,000 | $ 0 |
| Owen County Kentucky | 1 | $ 19,000 | $ 19,000 | $ 0 |
| Pendleton County Kentucky | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Perry County Kentucky | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Pulaski County Kentucky | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Russell County Kentucky | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Wolfe County Kentucky | 1 | $ 14,000 | $ 14,000 | $ 0 |
| Androscoggin County Maine | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Aroostook County Maine | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Hancock County Maine | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Piscataquis County Maine | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Somerset County Maine | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Washington County Maine | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Frederick County Maryland | 1 | $ 576,000 | $ 576,000 | $ 0 |
| Kent County Maryland | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Queen Anne's County Maryland | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Hampden County Massachusetts | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Norfolk County Massachusetts | 1 | $ 6,000 | $ 6,000 | $ 0 |
| Manistee County Michigan | 1 | $ 1,000 | $ 1,000 | $ 0 |
| Oakland County Michigan | 1 | $ 18,000 | $ 18,000 | $ 0 |
| Jefferson County Missouri | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Carroll County New Hampshire | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Merrimack County New Hampshire | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Essex County New Jersey | 1 | $ 438,000 | $ 438,000 | $ 0 |
| Morris County New Jersey | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Albany County New York | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Chautauqua County New York | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Cortland County New York | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Essex County New York | 1 | $ 16,000 | $ 16,000 | $ 0 |
| New York County New York | 1 | $ 2,700,000 | $ 2,700,000 | $ 0 |
| Putnam County New York | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Schoharie County New York | 1 | $ 1,000 | $ 1,000 | $ 0 |
| Washington County New York | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Dare County North Carolina | 1 | $ 339,000 | $ 339,000 | $ 0 |
| Jackson County North Carolina | 1 | $ 579,000 | $ 579,000 | $ 0 |
| Athens County Ohio | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Auglaize County Ohio | 1 | $ 22,000 | $ 22,000 | $ 0 |
| Brown County Ohio | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Clark County Ohio | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Coshocton County Ohio | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Cuyahoga County Ohio | 1 | $ 598,000 | $ 598,000 | $ 0 |
| Fairfield County Ohio | 1 | $ 12,000 | $ 12,000 | $ 0 |
| Fayette County Ohio | 1 | $ 12,000 | $ 12,000 | $ 0 |
| Fulton County Ohio | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Geauga County Ohio | 1 | $ 11,000 | $ 11,000 | $ 0 |
| Greene County Ohio | 1 | $ 17,000 | $ 17,000 | $ 0 |
| Hancock County Ohio | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Holmes County Ohio | 1 | $ 37,000 | $ 37,000 | $ 0 |
| Logan County Ohio | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Madison County Ohio | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Mahoning County Ohio | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Mercer County Ohio | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Monroe County Ohio | 1 | $ 69,000 | $ 69,000 | $ 0 |
| Montgomery County Ohio | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Morrow County Ohio | 1 | $ 17,000 | $ 17,000 | $ 0 |
| Ottawa County Ohio | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Pickaway County Ohio | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Richland County Ohio | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Sandusky County Ohio | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Shelby County Ohio | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Stark County Ohio | 1 | $ 12,000 | $ 12,000 | $ 0 |
| Trumbull County Ohio | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Union County Ohio | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Williams County Ohio | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Wyandot County Ohio | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Bedford County Pennsylvania | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Clinton County Pennsylvania | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Forest County Pennsylvania | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Huntingdon County Pennsylvania | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Juniata County Pennsylvania | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Lawrence County Pennsylvania | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Somerset County Pennsylvania | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Union County Pennsylvania | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Shelby County Tennessee | 1 | $ 558,000 | $ 558,000 | $ 0 |
| Rutland County Vermont | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Washington County Vermont | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Albemarle County Virginia | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Buchanan County Virginia | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Charles City County Virginia | 1 | $ 1,000 | $ 1,000 | $ 0 |
| Chesterfield County Virginia | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Culpeper County Virginia | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Dickenson County Virginia | 1 | $ 59,000 | $ 59,000 | $ 0 |
| Floyd County Virginia | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Frederick County Virginia | 1 | $ 27,000 | $ 27,000 | $ 0 |
| Gloucester County Virginia | 1 | $ 73,000 | $ 73,000 | $ 0 |
| King William County Virginia | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Manassas County Virginia | 1 | $ 17,000 | $ 17,000 | $ 0 |
| Northampton County Virginia | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Richmond City County Virginia | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Shenandoah County Virginia | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Suffolk County Virginia | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Tazewell County Virginia | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Williamsburg County Virginia | 1 | $ 1,000 | $ 1,000 | $ 0 |
| York County Virginia | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Brooke County West Virginia | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Hampshire County West Virginia | 1 | $ 38,000 | $ 38,000 | $ 0 |
| Harrison County West Virginia | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Monroe County West Virginia | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Pleasants County West Virginia | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Wayne County West Virginia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Wood County West Virginia | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Wyoming County 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.