R-G Crown Bank Mortgage Lending & HMDA Data, 2004
In 2004, R-G Crown Bank of Casselberry, FL reported 5,743 mortgage applications totaling $1.0 billion, up 49% from 2003. The average application was for $181,689, and applicants reported an average income of $46,958. 27% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Orlando, FL (1,201), San Juan-Caguas-Guaynabo, PR (852) and Nassau-Suffolk, NY (338) (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 | 5,743 |
| Total Mortgage Loan Application Amount | $1,043,443,000 |
| Average Mortgage Loan Application Amount | $181,689 |
| Highest Mortgage Loan Application Amount | $4,836,000 |
| Average Applicant Income | $46,958 |
| Highest Applicant Income | $7,200,000 |
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Act (HMDA) records R-G Crown Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2004
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 | 3,495 | $731,964,000 | $155,280 | $2,950,000 | $7,520 | $7,200,000 |
| Refinancing | 2,038 | $302,016,000 | $126,354 | $4,836,000 | $33,708 | $1,020,000 |
| Home Improvement | 210 | $9,463,000 | $50,500 | $525,000 | $19,666 | $378,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,640 | $636,442,000 | $153,140 | $1,800,000 | $80 | $141,000 |
| White | 1,384 | $299,176,000 | $127,648 | $4,836,000 | $72,756 | $7,200,000 |
| Hispanic | 383 | $48,872,000 | $146,600 | $765,000 | $86,600 | $796,000 |
| Not Provided | 185 | $35,113,000 | $107,840 | $2,096,000 | $36,720 | $2,369,000 |
| Black or African American | 92 | $12,392,000 | $117,400 | $609,000 | $60,866 | $784,000 |
| Asian | 41 | $8,157,000 | $159,833 | $1,416,000 | $82,166 | $1,440,000 |
| American Indian or Alaskan Native | 10 | $1,979,000 | $195,600 | $424,000 | $127,600 | $541,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,312,000 | $188,333 | $334,000 | $54,666 | $81,000 |
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) | 5,531 | $1,012,989,000 | $141,313 | $4,836,000 | $23,254 | $7,200,000 |
| FHA-insured (Federal Housing Administration) | 191 | $26,927,000 | $154,500 | $551,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 20 | $3,442,000 | $186,250 | $328,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $85,000 | $85,000 | $85,000 | $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 Purchased By The Institution | 3,627 | $630,989,000 | $153,100 | $1,800,000 | $0 | $135,000 |
| Loan Originated | 1,548 | $335,525,000 | $127,027 | $4,836,000 | $79,189 | $7,200,000 |
| Application Denied By Financial Institution | 297 | $31,031,000 | $122,478 | $840,000 | $39,086 | $1,020,000 |
| Application Withdrawn By Applicant | 148 | $26,624,000 | $135,736 | $2,096,000 | $36,421 | $784,000 |
| Application Approved But Not Accepted | 106 | $17,395,000 | $133,133 | $1,000,000 | $97,466 | $466,000 |
| File Closed For Incompleteness | 17 | $1,879,000 | $87,428 | $279,000 | $44,142 | $189,000 |
| 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 | 133 | $12,682,000 | $127,125 | $825,000 | $25,312 | $1,020,000 |
| Debt-To-Income Ratio | 82 | $6,505,000 | $129,600 | $491,000 | $75,400 | $378,000 |
| Collateral | 29 | $2,583,000 | $85,500 | $192,000 | $61,250 | $354,000 |
| Other | 24 | $5,019,000 | $176,000 | $840,000 | $85,000 | $235,000 |
| Employment History | 9 | $1,552,000 | $149,500 | $350,000 | $41,500 | $79,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,279,000 | $159,000 | $423,000 | $98,000 | $250,000 |
| Unverifiable Information | 8 | $1,008,000 | $126,000 | $223,000 | $51,000 | $144,000 |
| Credit Application Incomplete | 4 | $403,000 | $100,000 | $137,000 | $30,000 | $43,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into R-G Crown Bank's 2004 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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