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Act (HMDA) records R-G Crown Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Orlando-Kissimmee, FL | 589 | $ 175,367,000 | $ 297,736 | $ 114,000 |
| Lakeland, FL | 202 | $ 40,870,000 | $ 202,326 | $ 77,000 |
| Tampa-St. Petersburg-Clearwater, FL | 178 | $ 50,953,000 | $ 286,252 | $ 126,000 |
| Cape Coral-Fort Myers, FL | 128 | $ 34,752,000 | $ 271,500 | $ 100,000 |
| Jacksonville, FL | 117 | $ 27,385,000 | $ 234,059 | $ 100,000 |
| Port St. Lucie-Fort Pierce, FL | 99 | $ 35,915,000 | $ 362,777 | $ 159,000 |
| Palm Bay-Melbourne-Titusville, FL | 96 | $ 26,915,000 | $ 280,364 | $ 119,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 68 | $ 13,565,000 | $ 199,485 | $ 60,000 |
| Sarasota-Bradenton-Venice, FL | 62 | $ 38,678,000 | $ 623,838 | $ 321,000 |
| Ocala, FL | 60 | $ 12,326,000 | $ 205,433 | $ 115,000 |
| Richmond, VA | 51 | $ 13,680,000 | $ 268,235 | $ 89,000 |
| Miami-Miami Beach-Kendall, FL | 50 | $ 18,719,000 | $ 374,380 | $ 172,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 33 | $ 23,076,000 | $ 699,272 | $ 163,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 33 | $ 12,519,000 | $ 379,363 | $ 111,000 |
| Augusta-Richmond County, GA-SC | 30 | $ 1,606,000 | $ 53,533 | $ 50,000 |
| Punta Gorda, FL | 26 | $ 5,724,000 | $ 220,153 | $ 148,000 |
| Gainesville, FL | 20 | $ 3,682,000 | $ 184,100 | $ 66,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 18 | $ 6,909,000 | $ 383,833 | $ 54,500 |
| Atlanta-Sandy Springs-Marietta, GA | 15 | $ 2,704,000 | $ 180,266 | $ 65,000 |
| Naples-Marco Island, FL | 11 | $ 6,554,000 | $ 595,818 | $ 178,000 |
| Baltimore-Towson, MD | 9 | $ 3,120,000 | $ 346,666 | $ 34,000 |
| Chicago-Naperville-Joliet, IL | 9 | $ 2,349,000 | $ 261,000 | $ 20,000 |
| Nassau-Suffolk, NY | 9 | $ 2,541,000 | $ 282,333 | $ 59,000 |
| New York-White Plains-Wayne, NY-NJ | 9 | $ 5,524,000 | $ 613,777 | $ 300,444 |
| Sebastian-Vero Beach, FL | 8 | $ 4,255,000 | $ 531,875 | $ 159,000 |
| Pensacola-Ferry Pass-Brent, FL | 6 | $ 2,364,000 | $ 394,000 | $ 48,000 |
| Baton Rouge, LA | 4 | $ 474,000 | $ 118,500 | $ 0 |
| Bethesda-Gaithersburg-Frederick, MD | 3 | $ 1,078,000 | $ 359,333 | $ 16,000 |
| Cambridge-Newton-Framingham, MA | 3 | $ 439,000 | $ 146,333 | $ 60,000 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 396,000 | $ 132,000 | $ 17,000 |
| Columbus, OH | 3 | $ 348,000 | $ 116,000 | $ 13,000 |
| Greensboro-High Point, NC | 3 | $ 1,764,000 | $ 588,000 | $ 187,000 |
| Louisville-Jefferson County, KY-IN | 3 | $ 223,000 | $ 74,333 | $ 39,000 |
| Oakland-Fremont-Hayward, CA | 3 | $ 1,049,000 | $ 349,666 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 983,000 | $ 327,666 | $ 0 |
| San Francisco-San Mateo-Redwood City, CA | 3 | $ 4,311,000 | $ 1,437,000 | $ 1,340,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 1,596,000 | $ 532,000 | $ 121,000 |
| Asheville, NC | 2 | $ 540,000 | $ 270,000 | $ 68,000 |
| Bend, OR | 2 | $ 404,000 | $ 202,000 | $ 299,000 |
| Charlotte-Gastonia-Concord, NC-SC | 2 | $ 138,000 | $ 69,000 | $ 24,000 |
| Clarksville, TN-KY | 2 | $ 179,000 | $ 89,500 | $ 0 |
| Danville, VA | 2 | $ 77,000 | $ 38,500 | $ 50,000 |
| Evansville, IN-KY | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Fort Walton Beach-Crestview-Destin, FL | 2 | $ 824,000 | $ 412,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 2 | $ 336,000 | $ 168,000 | $ 0 |
| Little Rock-North Little Rock, AR | 2 | $ 154,000 | $ 77,000 | $ 62,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 738,000 | $ 369,000 | $ 0 |
| Madison, WI | 2 | $ 864,000 | $ 432,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 512,000 | $ 256,000 | $ 0 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 1,020,000 | $ 510,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 2 | $ 291,000 | $ 145,500 | $ 51,000 |
| St. Louis, MO-IL | 2 | $ 133,000 | $ 66,500 | $ 0 |
| Winston-Salem, NC | 2 | $ 826,000 | $ 413,000 | $ 122,000 |
| Albuquerque, NM | 1 | $ 222,000 | $ 222,000 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 85,000 | $ 85,000 | $ 76,000 |
| Anchorage, AK | 1 | $ 125,000 | $ 125,000 | $ 125,000 |
| Austin-Round Rock, TX | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Bakersfield, CA | 1 | $ 203,000 | $ 203,000 | $ 0 |
| Bellingham, WA | 1 | $ 212,000 | $ 212,000 | $ 187,000 |
| Canton-Massillon, OH | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 50,000 | $ 50,000 | $ 36,000 |
| Charlottesville, VA | 1 | $ 200,000 | $ 200,000 | $ 54,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Dallas-Plano-Irving, TX | 1 | $ 36,000 | $ 36,000 | $ 63,000 |
| Denver-Aurora, CO | 1 | $ 164,000 | $ 164,000 | $ 54,000 |
| Edison, NJ | 1 | $ 118,000 | $ 118,000 | $ 38,000 |
| Fayetteville, NC | 1 | $ 63,000 | $ 63,000 | $ 69,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Gulfport-Biloxi, MS | 1 | $ 139,000 | $ 139,000 | $ 40,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Jacksonville, NC | 1 | $ 472,000 | $ 472,000 | $ 168,000 |
| Kansas City, MO-KS | 1 | $ 188,000 | $ 188,000 | $ 44,000 |
| Lafayette, IN | 1 | $ 54,000 | $ 54,000 | $ 0 |
| Lancaster, PA | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Las Cruces, NM | 1 | $ 226,000 | $ 226,000 | $ 74,000 |
| Lincoln, NE | 1 | $ 400,000 | $ 400,000 | $ 300,000 |
| Lynchburg, VA | 1 | $ 176,000 | $ 176,000 | $ 110,000 |
| Memphis, TN-MS-AR | 1 | $ 131,000 | $ 131,000 | $ 46,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Mobile, AL | 1 | $ 82,000 | $ 82,000 | $ 0 |
| New Haven-Milford, CT | 1 | $ 196,000 | $ 196,000 | $ 35,000 |
| Newark-Union, NJ-PA | 1 | $ 332,000 | $ 332,000 | $ 0 |
| Ocean City, NJ | 1 | $ 224,000 | $ 224,000 | $ 105,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 292,000 | $ 292,000 | $ 0 |
| Panama City-Lynn Haven, FL | 1 | $ 119,000 | $ 119,000 | $ 70,000 |
| Peoria, IL | 1 | $ 50,000 | $ 50,000 | $ 35,000 |
| Philadelphia, PA | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Roanoke, VA | 1 | $ 70,000 | $ 70,000 | $ 98,000 |
| Salisbury, MD | 1 | $ 145,000 | $ 145,000 | $ 130,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 300,000 | $ 300,000 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 564,000 | $ 564,000 | $ 0 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 199,000 | $ 199,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Spokane, WA | 1 | $ 172,000 | $ 172,000 | $ 39,000 |
| Springfield, IL | 1 | $ 110,000 | $ 110,000 | $ 78,000 |
| Springfield, MO | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Stockton, CA | 1 | $ 283,000 | $ 283,000 | $ 0 |
| Tacoma, WA | 1 | $ 115,000 | $ 115,000 | $ 36,000 |
| Tallahassee, FL | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Tucson, AZ | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Tuscaloosa, AL | 1 | $ 179,000 | $ 179,000 | $ 25,000 |
| Utica-Rome, NY | 1 | $ 24,000 | $ 24,000 | $ 47,000 |
| Vallejo-Fairfield, CA | 1 | $ 428,000 | $ 428,000 | $ 0 |
| Wausau, WI | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Wilmington, DE-MD-NJ | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Winchester, VA-WV | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Worcester, MA | 1 | $ 67,000 | $ 67,000 | $ 19,000 |
| York-Hanover, PA | 1 | $ 77,000 | $ 77,000 | $ 68,000 |
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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