R-G Crown Bank Mortgage Lending & HMDA Data, 2006
In 2006, R-G Crown Bank of Casselberry, FL reported 2,193 mortgage applications totaling $635.8 million, down 70% from 2005. The average application was for $289,916, and applicants reported an average income of $112,879. 54% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Orlando-Kissimmee, FL (589), Lakeland, FL (202) and Tampa-St. Petersburg-Clearwater, FL (178) (applications in parentheses).
| Mortgage Company & Address | R-G Crown Bank 105 Live Oaks Gardens Casselberry, FL 32707 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,193 |
| Total Mortgage Loan Application Amount | $635,787,000 |
| Average Mortgage Loan Application Amount | $289,916 |
| Highest Mortgage Loan Application Amount | $8,000,000 |
| Average Applicant Income | $112,879 |
| Highest Applicant Income | $9,092,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records R-G Crown Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for R-G Crown Bank 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 Purchase | 1,702 | $526,523,000 | $309,000 | $3,884,000 | $112,000 | $4,710,000 |
| Refinancing | 444 | $106,753,000 | $240,000 | $8,000,000 | $121,000 | $9,092,000 |
| Home Improvement | 47 | $2,511,000 | $53,000 | $497,000 | $68,000 | $572,000 |
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 | 963 | $316,660,000 | $328,000 | $8,000,000 | $162,000 | $9,092,000 |
| Hispanic | 478 | $107,847,000 | $225,000 | $5,000,000 | $111,000 | $1,788,000 |
| Not applicable | 406 | $125,438,000 | $308,000 | $1,620,000 | $0 | $0 |
| Black or African American | 143 | $28,214,000 | $197,000 | $712,000 | $76,000 | $288,000 |
| Not Provided | 126 | $36,765,000 | $291,000 | $3,500,000 | $150,000 | $4,022,000 |
| Asian | 56 | $16,180,000 | $288,000 | $1,395,000 | $145,000 | $996,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $3,663,000 | $228,000 | $312,000 | $83,000 | $184,000 |
| American Indian or Alaskan Native | 5 | $1,020,000 | $204,000 | $533,000 | $162,000 | $638,000 |
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) | 2,186 | $634,714,000 | $290,000 | $8,000,000 | $114,000 | $9,092,000 |
| FHA-insured (Federal Housing Administration) | 5 | $695,000 | $139,000 | $178,000 | $28,000 | $44,000 |
| VA-guaranteed (Veterans Administration) | 2 | $378,000 | $189,000 | $189,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,186 | $325,687,000 | $274,000 | $3,690,000 | $136,000 | $4,710,000 |
| Loan Purchased By The Institution | 401 | $124,252,000 | $309,000 | $1,620,000 | $0 | $0 |
| Application Denied By Financial Institution | 332 | $80,058,000 | $241,000 | $3,500,000 | $97,000 | $860,000 |
| Application Withdrawn By Applicant | 177 | $69,717,000 | $393,000 | $8,000,000 | $214,000 | $9,092,000 |
| Application Approved But Not Accepted | 92 | $35,403,000 | $384,000 | $5,000,000 | $185,000 | $1,363,000 |
| File Closed For Incompleteness | 5 | $670,000 | $134,000 | $320,000 | $112,000 | $240,000 |
| 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 | 121 | $21,614,000 | $178,000 | $3,500,000 | $74,000 | $860,000 |
| Other | 83 | $20,852,000 | $251,000 | $1,500,000 | $113,000 | $675,000 |
| Debt-To-Income Ratio | 42 | $11,276,000 | $268,000 | $1,749,000 | $72,000 | $300,000 |
| Credit Application Incomplete | 31 | $10,011,000 | $322,000 | $2,191,000 | $144,000 | $700,000 |
| Collateral | 24 | $6,588,000 | $274,000 | $1,918,000 | $124,000 | $741,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $3,551,000 | $236,000 | $584,000 | $89,000 | $373,000 |
| Employment History | 10 | $4,325,000 | $432,000 | $1,600,000 | $125,000 | $426,000 |
| Unverifiable Information | 5 | $841,000 | $168,000 | $232,000 | $107,000 | $367,000 |
| Mortgage Insurance Denied | 1 | $1,000,000 | $1,000,000 | $1,000,000 | $411,000 | $411,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into R-G Crown Bank'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 R-G Crown Bank'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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