Keystone Nazareth Bank & Trust Mortgage Lending & HMDA Data, 2005
In 2005, Keystone Nazareth Bank & Trust of Bethlehem, PA reported 4,248 mortgage applications totaling $355.0 million, up 35% from 2004. The average application was for $83,580, and applicants reported an average income of $66,241. 79% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Allentown-Bethlehem-Easton, PA-NJ (3,194), Scranton--Wilkes-Barre, PA (367) and Philadelphia, PA (51) (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 | 4,248 |
| Total Mortgage Loan Application Amount | $355,049,000 |
| Average Mortgage Loan Application Amount | $83,580 |
| Highest Mortgage Loan Application Amount | $5,000,000 |
| Average Applicant Income | $66,241 |
| Highest Applicant Income | $1,670,000 |
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records Keystone Nazareth Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,194 | $ 273,722,000 | $ 85,698 | $ 66,000 |
| Scranton--Wilkes-Barre, PA | 367 | $ 27,125,000 | $ 73,910 | $ 56,000 |
| Philadelphia, PA | 51 | $ 6,060,000 | $ 118,823 | $ 132,000 |
| Reading, PA | 39 | $ 3,690,000 | $ 94,615 | $ 76,000 |
| Aguadilla-Isabela-San Sebastian, PR | 1 | $ 6,000 | $ 6,000 | $ 35,000 |
| Newark-Union, NJ-PA | 1 | $ 59,000 | $ 59,000 | $ 41,000 |
| Williamsport, PA | 1 | $ 30,000 | $ 30,000 | $ 94,000 |
Mortgage Loan Application Detail Totals for Keystone Nazareth Bank & Trust in 2005
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 | 1,738 | $63,471,000 | $15,000 | $750,000 | $46,666 | $1,600,000 |
| Refinancing | 1,545 | $129,687,000 | $92,500 | $5,000,000 | $42,000 | $1,628,000 |
| Home Purchase | 965 | $161,891,000 | $167,000 | $1,004,000 | $83,000 | $1,670,000 |
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 | 3,769 | $308,860,000 | $75,000 | $1,615,000 | $50,000 | $1,628,000 |
| Hispanic | 285 | $20,105,000 | $38,000 | $450,000 | $46,500 | $283,000 |
| Not Provided | 46 | $2,867,000 | $62,000 | $305,000 | $78,000 | $366,000 |
| Asian | 45 | $7,110,000 | $158,000 | $760,000 | $104,000 | $1,670,000 |
| Black or African American | 45 | $5,459,000 | $121,000 | $520,000 | $82,000 | $325,000 |
| Not applicable | 36 | $9,519,000 | $264,000 | $5,000,000 | $0 | $0 |
| American Indian or Alaskan Native | 16 | $853,000 | $53,000 | $126,000 | $64,000 | $157,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $276,000 | $46,000 | $80,000 | $43,000 | $78,000 |
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) | 4,248 | $355,049,000 | $52,666 | $5,000,000 | $44,333 | $1,670,000 |
| 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 | 3,335 | $280,279,000 | $45,000 | $5,000,000 | $52,500 | $1,670,000 |
| Application Denied By Financial Institution | 579 | $38,635,000 | $67,500 | $620,000 | $42,000 | $302,000 |
| Application Withdrawn By Applicant | 160 | $15,844,000 | $99,000 | $550,000 | $90,000 | $1,073,000 |
| Application Approved But Not Accepted | 115 | $9,346,000 | $81,000 | $400,000 | $85,000 | $654,000 |
| File Closed For Incompleteness | 59 | $10,945,000 | $185,000 | $500,000 | $86,000 | $290,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 261 | $15,584,000 | $31,000 | $520,000 | $48,500 | $302,000 |
| Debt-To-Income Ratio | 171 | $14,313,000 | $83,000 | $620,000 | $49,000 | $142,000 |
| Other | 76 | $3,937,000 | $76,000 | $200,000 | $42,500 | $228,000 |
| Collateral | 54 | $3,378,000 | $62,000 | $400,000 | $67,000 | $228,000 |
| Unverifiable Information | 6 | $351,000 | $58,000 | $208,000 | $48,000 | $95,000 |
| Employment History | 6 | $355,000 | $59,000 | $117,000 | $40,000 | $73,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $604,000 | $151,000 | $340,000 | $97,000 | $153,000 |
| Mortgage Insurance Denied | 1 | $113,000 | $113,000 | $113,000 | $31,000 | $31,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Keystone Nazareth Bank & Trust's 2005 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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