R-G Crown Bank Mortgage Lending & HMDA Data, 2005
In 2005, R-G Crown Bank of Casselberry, FL reported 7,429 mortgage applications totaling $1.9 billion, up 29% from 2004. The average application was for $250,195, and applicants reported an average income of $76,236. 44% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Orlando, FL (1,409), Tampa-St. Petersburg-Clearwater, FL (681) and Lakeland, FL (460) (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 | 7,429 |
| Total Mortgage Loan Application Amount | $1,858,706,000 |
| Average Mortgage Loan Application Amount | $250,195 |
| Highest Mortgage Loan Application Amount | $6,000,000 |
| Average Applicant Income | $76,236 |
| Highest Applicant Income | $4,807,000 |
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Act (HMDA) records R-G Crown Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 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 Purchase | 5,493 | $1,505,288,000 | $257,833 | $4,814,000 | $29,020 | $4,807,000 |
| Refinancing | 1,545 | $305,413,000 | $209,833 | $2,074,000 | $19,023 | $1,446,000 |
| Home Improvement | 391 | $48,005,000 | $64,000 | $6,000,000 | $55,333 | $1,500,000 |
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 | 3,303 | $776,580,000 | $259,770 | $3,680,000 | $0 | $0 |
| White | 2,759 | $750,620,000 | $159,612 | $6,000,000 | $172,645 | $4,225,000 |
| Hispanic | 672 | $136,860,000 | $206,500 | $1,500,000 | $276,583 | $4,807,000 |
| Not Provided | 300 | $113,196,000 | $232,727 | $2,700,000 | $126,181 | $2,532,000 |
| Black or African American | 196 | $36,047,000 | $146,818 | $798,000 | $75,454 | $603,000 |
| Asian | 164 | $37,453,000 | $235,400 | $995,000 | $102,000 | $395,000 |
| American Indian or Alaskan Native | 18 | $3,892,000 | $170,000 | $763,000 | $75,333 | $354,000 |
| Native Hawaiian or Other Pacific Islander | 17 | $4,058,000 | $238,000 | $582,000 | $65,000 | $232,000 |
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) | 7,353 | $1,847,418,000 | $247,937 | $6,000,000 | $29,125 | $4,807,000 |
| FHA-insured (Federal Housing Administration) | 59 | $7,990,000 | $157,833 | $290,000 | $833 | $38,000 |
| VA-guaranteed (Veterans Administration) | 17 | $3,298,000 | $184,500 | $240,000 | $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 | 3,291 | $884,473,000 | $154,466 | $4,814,000 | $222,100 | $4,807,000 |
| Loan Purchased By The Institution | 3,254 | $748,113,000 | $259,625 | $1,925,000 | $0 | $0 |
| Application Denied By Financial Institution | 349 | $72,728,000 | $130,888 | $6,000,000 | $79,777 | $1,500,000 |
| Application Withdrawn By Applicant | 336 | $94,721,000 | $243,600 | $3,938,000 | $121,066 | $1,636,000 |
| Application Approved But Not Accepted | 194 | $57,937,000 | $435,000 | $1,800,000 | $284,200 | $743,000 |
| File Closed For Incompleteness | 5 | $734,000 | $146,000 | $180,000 | $81,000 | $174,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 114 | $19,252,000 | $110,000 | $1,120,000 | $49,000 | $322,000 |
| Credit History | 88 | $10,003,000 | $144,833 | $840,000 | $74,500 | $605,000 |
| Other | 71 | $26,199,000 | $168,000 | $6,000,000 | $63,000 | $1,500,000 |
| Collateral | 27 | $5,507,000 | $168,500 | $600,000 | $97,250 | $648,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 20 | $5,545,000 | $277,000 | $954,000 | $77,000 | $271,000 |
| Employment History | 15 | $2,815,000 | $187,000 | $390,000 | $63,000 | $222,000 |
| Unverifiable Information | 8 | $1,786,000 | $222,500 | $707,000 | $156,000 | $228,000 |
| Credit Application Incomplete | 5 | $790,000 | $158,000 | $321,000 | $93,000 | $233,000 |
| Mortgage Insurance Denied | 1 | $831,000 | $831,000 | $831,000 | $150,000 | $150,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into R-G Crown Bank'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 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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