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records Keystone Nazareth Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 3,270 | $ 252,962,000 | $ 77,358 | $ 75,916 |
| Scranton--Wilkes-Barre, PA | 587 | $ 35,867,000 | $ 61,102 | $ 67,000 |
| Philadelphia, PA | 164 | $ 9,080,000 | $ 55,365 | $ 37,000 |
| Wilmington, DE-MD-NJ | 117 | $ 790,000 | $ 6,752 | $ 0 |
| Reading, PA | 80 | $ 3,674,000 | $ 45,925 | $ 33,000 |
| Lancaster, PA | 69 | $ 822,000 | $ 11,913 | $ 0 |
| Camden, NJ | 52 | $ 157,000 | $ 3,019 | $ 0 |
| Pittsburgh, PA | 41 | $ 1,590,000 | $ 38,780 | $ 0 |
| Poughkeepsie-Newburgh-Middletown, NY | 41 | $ 142,000 | $ 3,463 | $ 0 |
| Baltimore-Towson, MD | 39 | $ 2,521,000 | $ 64,641 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 34 | $ 425,000 | $ 12,500 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 33 | $ 3,607,000 | $ 109,303 | $ 0 |
| Harrisburg-Carlisle, PA | 29 | $ 758,000 | $ 26,137 | $ 1,000 |
| New York-White Plains-Wayne, NY-NJ | 29 | $ 6,888,000 | $ 237,517 | $ 7,172 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 29 | $ 266,000 | $ 9,172 | $ 0 |
| Newark-Union, NJ-PA | 23 | $ 1,793,000 | $ 77,956 | $ 29,173 |
| Albany-Schenectady-Troy, NY | 19 | $ 573,000 | $ 30,157 | $ 0 |
| York-Hanover, PA | 19 | $ 540,000 | $ 28,421 | $ 0 |
| Columbus, OH | 18 | $ 574,000 | $ 31,888 | $ 0 |
| Atlantic City, NJ | 15 | $ 45,000 | $ 3,000 | $ 0 |
| Dover, DE | 15 | $ 311,000 | $ 20,733 | $ 0 |
| Binghamton, NY | 13 | $ 467,000 | $ 35,923 | $ 0 |
| Nassau-Suffolk, NY | 13 | $ 3,579,000 | $ 275,307 | $ 0 |
| Edison, NJ | 12 | $ 2,041,000 | $ 170,083 | $ 56,000 |
| Syracuse, NY | 12 | $ 433,000 | $ 36,083 | $ 0 |
| Buffalo-Niagara Falls, NY | 11 | $ 22,000 | $ 2,000 | $ 0 |
| Kingston, NY | 10 | $ 379,000 | $ 37,900 | $ 0 |
| Akron, OH | 9 | $ 390,000 | $ 43,333 | $ 0 |
| Norwich-New London, CT | 9 | $ 43,000 | $ 4,777 | $ 0 |
| Vineland-Millville-Bridgeton, NJ | 9 | $ 31,000 | $ 3,444 | $ 0 |
| Cincinnati-Middletown, OH-KY-IN | 8 | $ 355,000 | $ 44,375 | $ 0 |
| Salisbury, MD | 8 | $ 481,000 | $ 60,125 | $ 0 |
| Lebanon, PA | 7 | $ 114,000 | $ 16,285 | $ 0 |
| Richmond, VA | 7 | $ 23,000 | $ 3,285 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 6 | $ 242,000 | $ 40,333 | $ 0 |
| New Haven-Milford, CT | 6 | $ 714,000 | $ 119,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 5 | $ 188,000 | $ 37,600 | $ 0 |
| Chicago-Naperville-Joliet, IL | 5 | $ 1,309,000 | $ 261,800 | $ 0 |
| Erie, PA | 5 | $ 191,000 | $ 38,200 | $ 0 |
| Rochester, NY | 5 | $ 164,000 | $ 32,800 | $ 0 |
| Toledo, OH | 5 | $ 178,000 | $ 35,600 | $ 0 |
| Utica-Rome, NY | 5 | $ 240,000 | $ 48,000 | $ 0 |
| Blacksburg-Christiansburg-Radford, VA | 4 | $ 405,000 | $ 101,250 | $ 0 |
| Boston-Quincy, MA | 4 | $ 16,000 | $ 4,000 | $ 0 |
| Essex County, MA | 4 | $ 127,000 | $ 31,750 | $ 0 |
| Johnstown, PA | 4 | $ 60,000 | $ 15,000 | $ 0 |
| Bangor, ME | 3 | $ 23,000 | $ 7,666 | $ 0 |
| Canton-Massillon, OH | 3 | $ 63,000 | $ 21,000 | $ 0 |
| Ithaca, NY | 3 | $ 39,000 | $ 13,000 | $ 0 |
| Lynchburg, VA | 3 | $ 149,000 | $ 49,666 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 785,000 | $ 261,666 | $ 0 |
| Trenton-Ewing, NJ | 3 | $ 170,000 | $ 56,666 | $ 0 |
| Weirton-Steubenville, WV-OH | 3 | $ 155,000 | $ 51,666 | $ 0 |
| Altoona, PA | 2 | $ 50,000 | $ 25,000 | $ 0 |
| Barnstable Town, MA | 2 | $ 302,000 | $ 151,000 | $ 0 |
| Burlington-South Burlington, VT | 2 | $ 156,000 | $ 78,000 | $ 0 |
| Cambridge-Newton-Framingham, MA | 2 | $ 6,000 | $ 3,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 2 | $ 1,053,000 | $ 526,500 | $ 0 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 609,000 | $ 304,500 | $ 0 |
| Dayton, OH | 2 | $ 79,000 | $ 39,500 | $ 0 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 155,000 | $ 77,500 | $ 0 |
| Louisville-Jefferson County, KY-IN | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Nashville-Davidson--Murfreesboro, TN | 2 | $ 511,000 | $ 255,500 | $ 0 |
| Ocean City, NJ | 2 | $ 8,000 | $ 4,000 | $ 0 |
| Parkersburg-Marietta-Vienna, WV-OH | 2 | $ 48,000 | $ 24,000 | $ 0 |
| Rockingham County-Strafford County, NH | 2 | $ 885,000 | $ 442,500 | $ 0 |
| Savannah, GA | 2 | $ 348,000 | $ 174,000 | $ 0 |
| St. Louis, MO-IL | 2 | $ 161,000 | $ 80,500 | $ 0 |
| State College, PA | 2 | $ 51,000 | $ 25,500 | $ 0 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 641,000 | $ 320,500 | $ 0 |
| Williamsport, PA | 2 | $ 62,000 | $ 31,000 | $ 30,000 |
| Winchester, VA-WV | 2 | $ 65,000 | $ 32,500 | $ 0 |
| Worcester, MA | 2 | $ 11,000 | $ 5,500 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 57,000 | $ 28,500 | $ 0 |
| Bethesda-Gaithersburg-Frederick, MD | 1 | $ 576,000 | $ 576,000 | $ 0 |
| Charlottesville, VA | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 412,000 | $ 412,000 | $ 0 |
| Gary, IN | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Glens Falls, NY | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Huntsville, AL | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Indianapolis-Carmel, IN | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 204,000 | $ 204,000 | $ 0 |
| Lewiston-Auburn, ME | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Mansfield, OH | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Memphis, TN-MS-AR | 1 | $ 558,000 | $ 558,000 | $ 0 |
| Naples-Marco Island, FL | 1 | $ 440,000 | $ 440,000 | $ 0 |
| Orlando-Kissimmee, FL | 1 | $ 489,000 | $ 489,000 | $ 0 |
| Springfield, MA | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Springfield, OH | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 18,000 | $ 18,000 | $ 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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