Keystone Nazareth Bank & Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Keystone Nazareth Bank & Trust 2007 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 | 3,969 |
| Total Mortgage Loan Application Amount | $389,483,000 |
| Average Mortgage Loan Application Amount | $102,666 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $1,905,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| 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 | 1,338 | $ 118,067,000 | $ 88,000 | $ 78,000 |
| Lehigh County Pennsylvania | 904 | $ 89,363,000 | $ 98,000 | $ 80,000 |
| Luzerne County Pennsylvania | 404 | $ 23,564,000 | $ 58,000 | $ 67,000 |
| Schuylkill County Pennsylvania | 283 | $ 14,773,000 | $ 52,000 | $ 64,000 |
| Monroe County Pennsylvania | 253 | $ 23,393,000 | $ 92,000 | $ 73,000 |
| Carbon County Pennsylvania | 223 | $ 16,901,000 | $ 75,000 | $ 68,000 |
| Berks County Pennsylvania | 30 | $ 3,561,000 | $ 118,000 | $ 113,000 |
| Bucks County Pennsylvania | 30 | $ 3,663,000 | $ 122,000 | $ 119,000 |
| Middlesex County Massachusetts | 12 | $ 6,401,000 | $ 533,000 | $ 0 |
| Columbia County Pennsylvania | 12 | $ 592,000 | $ 49,000 | $ 46,000 |
| Norfolk County Massachusetts | 11 | $ 5,677,000 | $ 516,000 | $ 0 |
| Lancaster County Pennsylvania | 11 | $ 449,000 | $ 40,000 | $ 0 |
| Philadelphia County Pennsylvania | 11 | $ 3,536,000 | $ 321,000 | $ 61,000 |
| Sussex County Delaware | 9 | $ 498,000 | $ 55,000 | $ 0 |
| Montgomery County Pennsylvania | 9 | $ 2,429,000 | $ 269,000 | $ 175,000 |
| Pike County Pennsylvania | 9 | $ 1,013,000 | $ 112,000 | $ 82,000 |
| Chester County Pennsylvania | 8 | $ 1,098,000 | $ 137,000 | $ 8,000 |
| Kent County Delaware | 7 | $ 539,000 | $ 77,000 | $ 0 |
| Suffolk County New York | 7 | $ 3,660,000 | $ 522,000 | $ 0 |
| Lackawanna County Pennsylvania | 7 | $ 893,000 | $ 127,000 | $ 60,000 |
| Wyoming County Pennsylvania | 7 | $ 790,000 | $ 112,000 | $ 49,000 |
| Virginia Beach County Virginia | 7 | $ 1,106,000 | $ 158,000 | $ 0 |
| Howard County Maryland | 6 | $ 304,000 | $ 50,000 | $ 0 |
| Warren County New Jersey | 6 | $ 1,027,000 | $ 171,000 | $ 81,000 |
| Kings County New York | 6 | $ 2,605,000 | $ 434,000 | $ 0 |
| Barnstable County Massachusetts | 5 | $ 2,543,000 | $ 508,000 | $ 0 |
| Worcester County Massachusetts | 5 | $ 2,138,000 | $ 427,000 | $ 0 |
| Clinton County New York | 5 | $ 327,000 | $ 65,000 | $ 0 |
| Nassau County New York | 5 | $ 2,687,000 | $ 537,000 | $ 0 |
| Ulster County New York | 5 | $ 159,000 | $ 31,000 | $ 0 |
| Franklin County Ohio | 5 | $ 150,000 | $ 30,000 | $ 0 |
| Tuscarawas County Ohio | 5 | $ 138,000 | $ 27,000 | $ 0 |
| Susquehanna County Pennsylvania | 5 | $ 617,000 | $ 123,000 | $ 107,000 |
| York County Pennsylvania | 5 | $ 174,000 | $ 34,000 | $ 0 |
| Miami-Dade County Florida | 4 | $ 1,858,000 | $ 464,000 | $ 0 |
| Cook County Illinois | 4 | $ 763,000 | $ 190,000 | $ 0 |
| Anne Arundel County Maryland | 4 | $ 574,000 | $ 143,000 | $ 0 |
| Bergen County New Jersey | 4 | $ 2,592,000 | $ 648,000 | $ 0 |
| Jefferson County New York | 4 | $ 197,000 | $ 49,000 | $ 0 |
| Queens County New York | 4 | $ 2,182,000 | $ 545,000 | $ 0 |
| Saratoga County New York | 4 | $ 185,000 | $ 46,000 | $ 0 |
| St. Lawrence County New York | 4 | $ 175,000 | $ 43,000 | $ 0 |
| Portage County Ohio | 4 | $ 240,000 | $ 60,000 | $ 0 |
| Stafford County Virginia | 4 | $ 120,000 | $ 30,000 | $ 0 |
| Fairfield County Connecticut | 3 | $ 1,311,000 | $ 437,000 | $ 0 |
| New Castle County Delaware | 3 | $ 92,000 | $ 30,000 | $ 0 |
| Palm Beach County Florida | 3 | $ 660,000 | $ 220,000 | $ 0 |
| Prince George's County Maryland | 3 | $ 784,000 | $ 261,000 | $ 0 |
| Ocean County New Jersey | 3 | $ 1,416,000 | $ 472,000 | $ 213,000 |
| Union County New Jersey | 3 | $ 1,260,000 | $ 420,000 | $ 0 |
| Cattaraugus County New York | 3 | $ 156,000 | $ 52,000 | $ 0 |
| Oneida County New York | 3 | $ 230,000 | $ 76,000 | $ 0 |
| Otsego County New York | 3 | $ 208,000 | $ 69,000 | $ 0 |
| Licking County Ohio | 3 | $ 91,000 | $ 30,000 | $ 0 |
| Dauphin County Pennsylvania | 3 | $ 52,000 | $ 17,000 | $ 0 |
| Erie County Pennsylvania | 3 | $ 78,000 | $ 26,000 | $ 0 |
| Lawrence County Pennsylvania | 3 | $ 168,000 | $ 56,000 | $ 0 |
| Lebanon County Pennsylvania | 3 | $ 62,000 | $ 20,000 | $ 0 |
| Northumberland County Pennsylvania | 3 | $ 177,000 | $ 59,000 | $ 66,000 |
| Westmoreland County Pennsylvania | 3 | $ 75,000 | $ 25,000 | $ 0 |
| Horry County South Carolina | 3 | $ 1,156,000 | $ 385,000 | $ 0 |
| Lake County Florida | 2 | $ 444,000 | $ 222,000 | $ 0 |
| Lee County Florida | 2 | $ 157,000 | $ 78,000 | $ 47,000 |
| Grant County Kentucky | 2 | $ 35,000 | $ 17,000 | $ 0 |
| Kenton County Kentucky | 2 | $ 94,000 | $ 47,000 | $ 0 |
| Laurel County Kentucky | 2 | $ 58,000 | $ 29,000 | $ 0 |
| Letcher County Kentucky | 2 | $ 98,000 | $ 49,000 | $ 0 |
| Pike County Kentucky | 2 | $ 115,000 | $ 57,000 | $ 0 |
| Taylor County Kentucky | 2 | $ 72,000 | $ 36,000 | $ 0 |
| Charles County Maryland | 2 | $ 527,000 | $ 263,000 | $ 0 |
| St. Mary's County Maryland | 2 | $ 564,000 | $ 282,000 | $ 0 |
| Washington County Maryland | 2 | $ 94,000 | $ 47,000 | $ 0 |
| Wicomico County Maryland | 2 | $ 129,000 | $ 64,000 | $ 0 |
| Essex County Massachusetts | 2 | $ 810,000 | $ 405,000 | $ 0 |
| Plymouth County Massachusetts | 2 | $ 893,000 | $ 446,000 | $ 0 |
| Suffolk County Massachusetts | 2 | $ 933,000 | $ 466,000 | $ 0 |
| Kent County Michigan | 2 | $ 43,000 | $ 21,000 | $ 0 |
| Monroe County Michigan | 2 | $ 42,000 | $ 21,000 | $ 0 |
| Oakland County Michigan | 2 | $ 165,000 | $ 82,000 | $ 0 |
| Atlantic County New Jersey | 2 | $ 453,000 | $ 226,000 | $ 345,000 |
| Cape May County New Jersey | 2 | $ 742,000 | $ 371,000 | $ 280,000 |
| Middlesex County New Jersey | 2 | $ 488,000 | $ 244,000 | $ 27,000 |
| Monmouth County New Jersey | 2 | $ 793,000 | $ 396,000 | $ 0 |
| Oswego County New York | 2 | $ 212,000 | $ 106,000 | $ 0 |
| Sullivan County New York | 2 | $ 197,000 | $ 98,000 | $ 0 |
| Washington County New York | 2 | $ 178,000 | $ 89,000 | $ 0 |
| Mecklenburg County North Carolina | 2 | $ 1,113,000 | $ 556,000 | $ 0 |
| Hancock County Ohio | 2 | $ 51,000 | $ 25,000 | $ 0 |
| Wayne County Ohio | 2 | $ 162,000 | $ 81,000 | $ 0 |
| Adams County Pennsylvania | 2 | $ 525,000 | $ 262,000 | $ 140,000 |
| Butler County Pennsylvania | 2 | $ 63,000 | $ 31,000 | $ 0 |
| Franklin County Pennsylvania | 2 | $ 66,000 | $ 33,000 | $ 0 |
| Lycoming County Pennsylvania | 2 | $ 196,000 | $ 98,000 | $ 136,000 |
| Augusta County Virginia | 2 | $ 117,000 | $ 58,000 | $ 0 |
| Fairfax County Virginia | 2 | $ 910,000 | $ 455,000 | $ 0 |
| Raleigh County West Virginia | 2 | $ 132,000 | $ 66,000 | $ 0 |
| Madison County Alabama | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Tuscaloosa County Alabama | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Middlesex County Connecticut | 1 | $ 992,000 | $ 992,000 | $ 0 |
| New London County Connecticut | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Windham County Connecticut | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Brevard County Florida | 1 | $ 594,000 | $ 594,000 | $ 0 |
| Broward County Florida | 1 | $ 666,000 | $ 666,000 | $ 0 |
| Charlotte County Florida | 1 | $ 298,000 | $ 298,000 | $ 0 |
| Hernando County Florida | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Manatee County Florida | 1 | $ 850,000 | $ 850,000 | $ 0 |
| Martin County Florida | 1 | $ 636,000 | $ 636,000 | $ 0 |
| Orange County Florida | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Pasco County Florida | 1 | $ 133,000 | $ 133,000 | $ 0 |
| St. Johns County Florida | 1 | $ 998,000 | $ 998,000 | $ 0 |
| Volusia County Florida | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Washington County Florida | 1 | $ 519,000 | $ 519,000 | $ 0 |
| DeKalb County Georgia | 1 | $ 246,000 | $ 246,000 | $ 0 |
| Gordon County Georgia | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Jackson County Georgia | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Richmond County Georgia | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Sumter County Georgia | 1 | $ 36,000 | $ 36,000 | $ 0 |
| DuPage County Illinois | 1 | $ 644,000 | $ 644,000 | $ 0 |
| Effingham County Illinois | 1 | $ 199,000 | $ 199,000 | $ 0 |
| Grundy County Illinois | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Lawrence County Illinois | 1 | $ 90,000 | $ 90,000 | $ 0 |
| McHenry County Illinois | 1 | $ 198,000 | $ 198,000 | $ 0 |
| St. Clair County Illinois | 1 | $ 21,000 | $ 21,000 | $ 0 |
| Blackford County Indiana | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Huntington County Indiana | 1 | $ 17,000 | $ 17,000 | $ 0 |
| Vanderburgh County Indiana | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Barren County Kentucky | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Bell County Kentucky | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Bullitt County Kentucky | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Campbell County Kentucky | 1 | $ 63,000 | $ 63,000 | $ 0 |
| Gallatin County Kentucky | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Johnson County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Knott County Kentucky | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Marion County Kentucky | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Muhlenberg County Kentucky | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Rockcastle County Kentucky | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Russell County Kentucky | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Whitley County Kentucky | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Lafayette County Louisiana | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Androscoggin County Maine | 1 | $ 11,000 | $ 11,000 | $ 0 |
| Cumberland County Maine | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Lincoln County Maine | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Oxford County Maine | 1 | $ 631,000 | $ 631,000 | $ 0 |
| Washington County Maine | 1 | $ 8,000 | $ 8,000 | $ 0 |
| Baltimore County Maryland | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Caroline County Maryland | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Carroll County Maryland | 1 | $ 366,000 | $ 366,000 | $ 0 |
| Cecil County Maryland | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Dorchester County Maryland | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Harford County Maryland | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Montgomery County Maryland | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Bristol County Massachusetts | 1 | $ 219,000 | $ 219,000 | $ 0 |
| Bay County Michigan | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Cass County Michigan | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Genesee County Michigan | 1 | $ 437,000 | $ 437,000 | $ 0 |
| Livingston County Michigan | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Ottawa County Michigan | 1 | $ 23,000 | $ 23,000 | $ 0 |
| St. Joseph County Michigan | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Washtenaw County Michigan | 1 | $ 27,000 | $ 27,000 | $ 0 |
| Wayne County Michigan | 1 | $ 21,000 | $ 21,000 | $ 0 |
| Burlington County New Jersey | 1 | $ 438,000 | $ 438,000 | $ 0 |
| Essex County New Jersey | 1 | $ 244,000 | $ 244,000 | $ 0 |
| Gloucester County New Jersey | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Mercer County New Jersey | 1 | $ 842,000 | $ 842,000 | $ 0 |
| Allegany County New York | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Bronx County New York | 1 | $ 523,000 | $ 523,000 | $ 0 |
| Broome County New York | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Cayuga County New York | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Chautauqua County New York | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Chenango County New York | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Dutchess County New York | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Franklin County New York | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Fulton County New York | 1 | $ 59,000 | $ 59,000 | $ 0 |
| Genesee County New York | 1 | $ 59,000 | $ 59,000 | $ 0 |
| Livingston County New York | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Montgomery County New York | 1 | $ 122,000 | $ 122,000 | $ 0 |
| New York County New York | 1 | $ 364,000 | $ 364,000 | $ 0 |
| Niagara County New York | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Richmond County New York | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Rockland County New York | 1 | $ 442,000 | $ 442,000 | $ 0 |
| Steuben County New York | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Tioga County New York | 1 | $ 54,000 | $ 54,000 | $ 0 |
| Wyoming County New York | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Forsyth County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 0 |
| New Hanover County North Carolina | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Orange County North Carolina | 1 | $ 636,000 | $ 636,000 | $ 0 |
| Rockingham County North Carolina | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Union County North Carolina | 1 | $ 601,000 | $ 601,000 | $ 0 |
| Wake County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Allen County Ohio | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Butler County Ohio | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Clinton County Ohio | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Cuyahoga County Ohio | 1 | $ 27,000 | $ 27,000 | $ 0 |
| Fulton County Ohio | 1 | $ 37,000 | $ 37,000 | $ 0 |
| Highland County Ohio | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Hocking County Ohio | 1 | $ 22,000 | $ 22,000 | $ 0 |
| Logan County Ohio | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Lucas County Ohio | 1 | $ 12,000 | $ 12,000 | $ 0 |
| Mahoning County Ohio | 1 | $ 179,000 | $ 179,000 | $ 0 |
| Montgomery County Ohio | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Muskingum County Ohio | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Pickaway County Ohio | 1 | $ 37,000 | $ 37,000 | $ 0 |
| Ross County Ohio | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Stark County Ohio | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Summit County Ohio | 1 | $ 487,000 | $ 487,000 | $ 0 |
| Wood County Ohio | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Allegheny County Pennsylvania | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Blair County Pennsylvania | 1 | $ 684,000 | $ 684,000 | $ 0 |
| Bradford County Pennsylvania | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Fayette County Pennsylvania | 1 | $ 13,000 | $ 13,000 | $ 0 |
| Montour County Pennsylvania | 1 | $ 329,000 | $ 329,000 | $ 0 |
| Perry County Pennsylvania | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Sullivan County Pennsylvania | 1 | $ 103,000 | $ 103,000 | $ 33,000 |
| Tioga County Pennsylvania | 1 | $ 40,000 | $ 40,000 | $ 65,000 |
| Washington County Pennsylvania | 1 | $ 18,000 | $ 18,000 | $ 0 |
| Wayne County Pennsylvania | 1 | $ 27,000 | $ 27,000 | $ 0 |
| Providence County Rhode Island | 1 | $ 272,000 | $ 272,000 | $ 0 |
| Beaufort County South Carolina | 1 | $ 723,000 | $ 723,000 | $ 0 |
| Charleston County South Carolina | 1 | $ 786,000 | $ 786,000 | $ 0 |
| Dorchester County South Carolina | 1 | $ 264,000 | $ 264,000 | $ 0 |
| Greenville County South Carolina | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Blount County Tennessee | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Davidson County Tennessee | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Scott County Tennessee | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Rutland County Vermont | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Washington County Vermont | 1 | $ 440,000 | $ 440,000 | $ 0 |
| Caroline County Virginia | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Chesapeake County Virginia | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Chesterfield County Virginia | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Franklin County Virginia | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Greensville County Virginia | 1 | $ 40,000 | $ 40,000 | $ 0 |
| James City County Virginia | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Loudoun County Virginia | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Portsmouth County Virginia | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Rockingham County Virginia | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Smyth County Virginia | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Spotsylvania County Virginia | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Boone County West Virginia | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Brooke County West Virginia | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Cabell County West Virginia | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Marion County West Virginia | 1 | $ 46,000 | $ 46,000 | $ 0 |
| Mercer County West Virginia | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Monongalia County West Virginia | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Ohio County West Virginia | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Pendleton County West Virginia | 1 | $ 11,000 | $ 11,000 | $ 0 |
| Putnam County West Virginia | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Taylor County West Virginia | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Wirt County West Virginia | 1 | $ 54,000 | $ 54,000 | $ 0 |
| Wood County 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.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.