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records Keystone Nazareth Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Allentown-Bethlehem-Easton, PA-NJ | 2,471 | $ 225,358,000 | $ 91,201 | $ 78,007 |
| Scranton--Wilkes-Barre, PA | 418 | $ 25,247,000 | $ 60,399 | $ 67,000 |
| Philadelphia, PA | 58 | $ 10,726,000 | $ 184,931 | $ 101,000 |
| Reading, PA | 30 | $ 3,561,000 | $ 118,700 | $ 113,000 |
| New York-White Plains-Wayne, NY-NJ | 18 | $ 8,983,000 | $ 499,055 | $ 0 |
| Boston-Quincy, MA | 15 | $ 7,503,000 | $ 500,200 | $ 0 |
| Baltimore-Towson, MD | 13 | $ 1,372,000 | $ 105,538 | $ 0 |
| Newark-Union, NJ-PA | 13 | $ 2,517,000 | $ 193,615 | $ 56,769 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 13 | $ 2,480,000 | $ 190,769 | $ 0 |
| Cambridge-Newton-Framingham, MA | 12 | $ 6,401,000 | $ 533,416 | $ 0 |
| Nassau-Suffolk, NY | 12 | $ 6,347,000 | $ 528,916 | $ 0 |
| Lancaster, PA | 11 | $ 449,000 | $ 40,818 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 10 | $ 1,731,000 | $ 173,100 | $ 0 |
| Columbus, OH | 9 | $ 278,000 | $ 30,888 | $ 0 |
| Pittsburgh, PA | 8 | $ 384,000 | $ 48,000 | $ 0 |
| Chicago-Naperville-Joliet, IL | 7 | $ 1,675,000 | $ 239,285 | $ 0 |
| Cincinnati-Middletown, OH-KY-IN | 7 | $ 268,000 | $ 38,285 | $ 0 |
| Dover, DE | 7 | $ 539,000 | $ 77,000 | $ 0 |
| Edison, NJ | 7 | $ 2,697,000 | $ 385,285 | $ 99,000 |
| Akron, OH | 5 | $ 727,000 | $ 145,400 | $ 0 |
| Barnstable Town, MA | 5 | $ 2,543,000 | $ 508,600 | $ 0 |
| Kingston, NY | 5 | $ 159,000 | $ 31,800 | $ 0 |
| Worcester, MA | 5 | $ 2,138,000 | $ 427,600 | $ 0 |
| York-Hanover, PA | 5 | $ 174,000 | $ 34,800 | $ 0 |
| Albany-Schenectady-Troy, NY | 4 | $ 185,000 | $ 46,250 | $ 0 |
| Harrisburg-Carlisle, PA | 4 | $ 76,000 | $ 19,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 1,858,000 | $ 464,500 | $ 0 |
| Wilmington, DE-MD-NJ | 4 | $ 140,000 | $ 35,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 1,311,000 | $ 437,000 | $ 0 |
| Charlotte-Gastonia-Concord, NC-SC | 3 | $ 1,714,000 | $ 571,333 | $ 0 |
| Erie, PA | 3 | $ 78,000 | $ 26,000 | $ 0 |
| Lebanon, PA | 3 | $ 62,000 | $ 20,666 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 3 | $ 1,156,000 | $ 385,333 | $ 0 |
| Orlando-Kissimmee, FL | 3 | $ 672,000 | $ 224,000 | $ 0 |
| Toledo, OH | 3 | $ 81,000 | $ 27,000 | $ 0 |
| Utica-Rome, NY | 3 | $ 230,000 | $ 76,666 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 200,000 | $ 66,666 | $ 0 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 3 | $ 660,000 | $ 220,000 | $ 0 |
| Atlantic City, NJ | 2 | $ 453,000 | $ 226,500 | $ 345,000 |
| Binghamton, NY | 2 | $ 166,000 | $ 83,000 | $ 0 |
| Camden, NJ | 2 | $ 666,000 | $ 333,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 2 | $ 157,000 | $ 78,500 | $ 47,000 |
| Charleston, WV | 2 | $ 105,000 | $ 52,500 | $ 0 |
| Charleston-North Charleston, SC | 2 | $ 1,050,000 | $ 525,000 | $ 0 |
| Glens Falls, NY | 2 | $ 178,000 | $ 89,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 2 | $ 43,000 | $ 21,500 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 94,000 | $ 47,000 | $ 0 |
| Monroe, MI | 2 | $ 42,000 | $ 21,000 | $ 0 |
| Ocean City, NJ | 2 | $ 742,000 | $ 371,000 | $ 280,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 2 | $ 94,000 | $ 47,000 | $ 0 |
| Peabody, MA | 2 | $ 810,000 | $ 405,000 | $ 0 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 491,000 | $ 245,500 | $ 0 |
| Richmond, VA | 2 | $ 167,000 | $ 83,500 | $ 0 |
| Salisbury, MD | 2 | $ 129,000 | $ 64,500 | $ 0 |
| Syracuse, NY | 2 | $ 212,000 | $ 106,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 208,000 | $ 104,000 | $ 0 |
| Williamsport, PA | 2 | $ 196,000 | $ 98,000 | $ 136,000 |
| Altoona, PA | 1 | $ 684,000 | $ 684,000 | $ 0 |
| Ann Arbor, MI | 1 | $ 27,000 | $ 27,000 | $ 0 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 246,000 | $ 246,000 | $ 0 |
| Augusta-Richmond County, GA-SC | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Bay City, MI | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Bethesda-Gaithersburg-Frederick, MD | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Buffalo-Niagara Falls, NY | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Canton-Massillon, OH | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 27,000 | $ 27,000 | $ 0 |
| Dayton, OH | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 21,000 | $ 21,000 | $ 0 |
| Durham, NC | 1 | $ 636,000 | $ 636,000 | $ 0 |
| Evansville, IN-KY | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Flint, MI | 1 | $ 437,000 | $ 437,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 666,000 | $ 666,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Greenville-Mauldin-Easley, SC | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Harrisonburg, VA | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 992,000 | $ 992,000 | $ 0 |
| Holland-Grand Haven, MI | 1 | $ 23,000 | $ 23,000 | $ 0 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Huntsville, AL | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Jacksonville, FL | 1 | $ 998,000 | $ 998,000 | $ 0 |
| Knoxville, TN | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Lafayette, LA | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Lewiston-Auburn, ME | 1 | $ 11,000 | $ 11,000 | $ 0 |
| Lima, OH | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Louisville-Jefferson County, KY-IN | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Morgantown, WV | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Norwich-New London, CT | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 594,000 | $ 594,000 | $ 0 |
| Port St. Lucie, FL | 1 | $ 636,000 | $ 636,000 | $ 0 |
| Portland-South Portland-Biddeford, ME | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 298,000 | $ 298,000 | $ 0 |
| Raleigh-Cary, NC | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Roanoke, VA | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Rochester, NY | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 850,000 | $ 850,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 1 | $ 41,000 | $ 41,000 | $ 0 |
| St. Louis, MO-IL | 1 | $ 21,000 | $ 21,000 | $ 0 |
| Trenton-Ewing, NJ | 1 | $ 842,000 | $ 842,000 | $ 0 |
| Tuscaloosa, AL | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Weirton-Steubenville, WV-OH | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Wheeling, WV-OH | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Wilmington, NC | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Winston-Salem, NC | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 179,000 | $ 179,000 | $ 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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