R- G Crown Bank Mortgage Lending & HMDA Data, 2007
In 2007, R- G Crown Bank of Cincinnati, OH reported 468 mortgage applications totaling $108.4 million. The average application was for $231,617, and applicants reported an average income of $117,068. 62% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Orlando-Kissimmee, FL (107), Richmond, VA (63) and Lakeland, FL (56) (applications in parentheses).
| Mortgage Company & Address | R- G Crown Bank 5001 Kingsley Drive, MD 1mob2w Cincinnati, OH 45227 |
| Federal Regulator | * available with data download |
| Years | 2007 |
| Total Number of Mortgage Applications | 468 |
| Total Mortgage Loan Application Amount | $108,397,000 |
| Average Mortgage Loan Application Amount | $231,617 |
| Highest Mortgage Loan Application Amount | $2,145,000 |
| Average Applicant Income | $117,068 |
| Highest Applicant Income | $8,000,000 |
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Act (HMDA) records R- G Crown Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Polk, Florida | 56 | $ 8,157,000 | $ 145,660 | $ 75,000 |
| Orange, Florida | 53 | $ 9,546,000 | $ 180,113 | $ 106,000 |
| Duval, Florida | 32 | $ 8,729,000 | $ 272,781 | $ 126,000 |
| Seminole, Florida | 25 | $ 3,222,000 | $ 128,880 | $ 51,000 |
| Lee, Florida | 22 | $ 5,557,000 | $ 252,590 | $ 45,000 |
| Osceola, Florida | 20 | $ 5,015,000 | $ 250,750 | $ 114,000 |
| Hanover, Virginia | 17 | $ 5,837,000 | $ 343,352 | $ 92,000 |
| Clay, Florida | 14 | $ 2,172,000 | $ 155,142 | $ 71,000 |
| Volusia, Florida | 14 | $ 2,361,000 | $ 168,642 | $ 106,000 |
| New Kent, Virginia | 14 | $ 4,058,000 | $ 289,857 | $ 121,000 |
| Marion, Florida | 11 | $ 2,422,000 | $ 220,181 | $ 161,000 |
| Lake, Florida | 9 | $ 1,945,000 | $ 216,111 | $ 104,000 |
| St. Lucie, Florida | 9 | $ 5,159,000 | $ 573,222 | $ 256,000 |
| Flagler, Florida | 8 | $ 2,271,000 | $ 283,875 | $ 91,000 |
| Hillsborough, Florida | 8 | $ 2,342,000 | $ 292,750 | $ 180,000 |
| Pasco, Florida | 8 | $ 2,028,000 | $ 253,500 | $ 83,000 |
| Henrico, Virginia | 8 | $ 1,420,000 | $ 177,500 | $ 54,000 |
| Hernando, Florida | 7 | $ 2,584,000 | $ 369,142 | $ 196,000 |
| Miami-Dade, Florida | 7 | $ 2,934,000 | $ 419,142 | $ 1,409,000 |
| Richmond, Georgia | 7 | $ 404,000 | $ 57,714 | $ 30,000 |
| Brevard, Florida | 6 | $ 1,651,000 | $ 275,166 | $ 86,000 |
| Indian River, Florida | 6 | $ 1,840,000 | $ 306,666 | $ 39,000 |
| Guilford, North Carolina | 6 | $ 2,115,000 | $ 352,500 | $ 146,000 |
| Goochland, Virginia | 6 | $ 1,538,000 | $ 256,333 | $ 74,000 |
| Citrus, Florida | 5 | $ 1,418,000 | $ 283,600 | $ 110,000 |
| Pinellas, Florida | 5 | $ 604,000 | $ 120,800 | $ 95,000 |
| King William, Virginia | 5 | $ 1,798,000 | $ 359,600 | $ 100,000 |
| St. Johns, Florida | 4 | $ 551,000 | $ 137,750 | $ 58,000 |
| Los Angeles, California | 3 | $ 876,000 | $ 292,000 | $ 54,000 |
| Martin, Florida | 3 | $ 1,812,000 | $ 604,000 | $ 197,000 |
| Chesterfield, Virginia | 3 | $ 694,000 | $ 231,333 | $ 62,000 |
| Richmond City, Virginia | 3 | $ 1,062,000 | $ 354,000 | $ 123,000 |
| Alachua, Florida | 2 | $ 449,000 | $ 224,500 | $ 70,000 |
| Palm Beach, Florida | 2 | $ 814,000 | $ 407,000 | $ 76,000 |
| Sumter, Florida | 2 | $ 632,000 | $ 316,000 | $ 110,000 |
| Union, North Carolina | 2 | $ 290,000 | $ 145,000 | $ 43,000 |
| Powhatan, Virginia | 2 | $ 615,000 | $ 307,500 | $ 129,000 |
| Pulaski, Arkansas | 1 | $ 279,000 | $ 279,000 | $ 64,000 |
| Saline, Arkansas | 1 | $ 117,000 | $ 117,000 | $ 75,000 |
| Fresno, California | 1 | $ 280,000 | $ 280,000 | $ 75,000 |
| Sacramento, California | 1 | $ 122,000 | $ 122,000 | $ 45,000 |
| Hartford, Connecticut | 1 | $ 276,000 | $ 276,000 | $ 156,000 |
| New Haven, Connecticut | 1 | $ 243,000 | $ 243,000 | $ 62,000 |
| Baker, Florida | 1 | $ 700,000 | $ 700,000 | $ 300,000 |
| Charlotte, Florida | 1 | $ 100,000 | $ 100,000 | $ 33,000 |
| Collier, Florida | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Highlands, Florida | 1 | $ 182,000 | $ 182,000 | $ 63,000 |
| Madison, Florida | 1 | $ 300,000 | $ 300,000 | $ 110,000 |
| Putnam, Florida | 1 | $ 161,000 | $ 161,000 | $ 108,000 |
| Burke, Georgia | 1 | $ 61,000 | $ 61,000 | $ 29,000 |
| Columbia, Georgia | 1 | $ 60,000 | $ 60,000 | $ 25,000 |
| Harlan, Kentucky | 1 | $ 73,000 | $ 73,000 | $ 87,000 |
| Bronx, New York | 1 | $ 76,000 | $ 76,000 | $ 126,000 |
| Suffolk, New York | 1 | $ 350,000 | $ 350,000 | $ 100,000 |
| Ulster, New York | 1 | $ 245,000 | $ 245,000 | $ 60,000 |
| Cabarrus, North Carolina | 1 | $ 175,000 | $ 175,000 | $ 67,000 |
| Davidson, North Carolina | 1 | $ 333,000 | $ 333,000 | $ 120,000 |
| Forsyth, North Carolina | 1 | $ 55,000 | $ 55,000 | $ 131,000 |
| Iredell, North Carolina | 1 | $ 1,048,000 | $ 1,048,000 | $ 375,000 |
| Lincoln, North Carolina | 1 | $ 255,000 | $ 255,000 | $ 71,000 |
| Madison, North Carolina | 1 | $ 441,000 | $ 441,000 | $ 89,000 |
| Mecklenburg, North Carolina | 1 | $ 417,000 | $ 417,000 | $ 284,000 |
| Scotland, North Carolina | 1 | $ 66,000 | $ 66,000 | $ 32,000 |
| Yancey, North Carolina | 1 | $ 140,000 | $ 140,000 | $ 179,000 |
| Shelby, Tennessee | 1 | $ 353,000 | $ 353,000 | $ 156,000 |
| El Paso, Texas | 1 | $ 90,000 | $ 90,000 | $ 30,000 |
| Wood, Texas | 1 | $ 68,000 | $ 68,000 | $ 26,000 |
| Salt Lake, Utah | 1 | $ 116,000 | $ 116,000 | $ 43,000 |
| Amelia, Virginia | 1 | $ 181,000 | $ 181,000 | $ 60,000 |
| Brunswick, Virginia | 1 | $ 268,000 | $ 268,000 | $ 194,000 |
| Chesapeake, Virginia | 1 | $ 225,000 | $ 225,000 | $ 86,000 |
| Dinwiddie, Virginia | 1 | $ 179,000 | $ 179,000 | $ 45,000 |
| Fauquier, Virginia | 1 | $ 170,000 | $ 170,000 | $ 43,000 |
| Lancaster, Virginia | 1 | $ 350,000 | $ 350,000 | $ 216,000 |
| Louisa, Virginia | 1 | $ 465,000 | $ 465,000 | $ 129,000 |
| Mathews, Virginia | 1 | $ 400,000 | $ 400,000 | $ 120,000 |
| Petersburg, Virginia | 1 | $ 140,000 | $ 140,000 | $ 53,000 |
| Stafford, Virginia | 1 | $ 380,000 | $ 380,000 | $ 95,000 |
| Sussex, Virginia | 1 | $ 105,000 | $ 105,000 | $ 50,000 |
| Warren, Virginia | 1 | $ 320,000 | $ 320,000 | $ 71,000 |
| Waynesboro, Virginia | 1 | $ 128,000 | $ 128,000 | $ 32,000 |
| Hardy, West Virginia | 1 | $ 70,000 | $ 70,000 | $ 35,000 |
Mortgage Loan Application Detail Totals for R- G Crown Bank in 2007
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 | 304 | $72,593,000 | $238,000 | $1,593,000 | $125,000 | $8,000,000 |
| Refinancing | 140 | $32,992,000 | $235,000 | $2,145,000 | $111,000 | $1,779,000 |
| Home Improvement | 24 | $2,812,000 | $117,000 | $568,000 | $52,000 | $152,000 |
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 | 254 | $68,233,000 | $268,000 | $2,145,000 | $119,000 | $1,779,000 |
| Hispanic | 102 | $18,342,000 | $179,000 | $690,000 | $179,000 | $8,000,000 |
| Black or African American | 51 | $8,298,000 | $162,000 | $750,000 | $51,000 | $197,000 |
| Not Provided | 31 | $5,169,000 | $166,000 | $417,000 | $87,000 | $300,000 |
| Not applicable | 22 | $6,540,000 | $297,000 | $680,000 | $0 | $0 |
| Asian | 8 | $1,815,000 | $226,000 | $539,000 | $102,000 | $345,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 468 | $108,397,000 | $231,000 | $2,145,000 | $117,000 | $8,000,000 |
| 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 | 290 | $62,309,000 | $214,000 | $1,048,000 | $93,000 | $833,000 |
| Application Denied By Financial Institution | 74 | $22,245,000 | $300,000 | $2,145,000 | $148,000 | $1,779,000 |
| Application Withdrawn By Applicant | 58 | $12,256,000 | $211,000 | $871,000 | $104,000 | $614,000 |
| Loan Purchased By The Institution | 21 | $5,860,000 | $279,000 | $670,000 | $0 | $0 |
| File Closed For Incompleteness | 15 | $3,749,000 | $249,000 | $875,000 | $672,000 | $8,000,000 |
| Application Approved But Not Accepted | 10 | $1,978,000 | $197,000 | $404,000 | $75,000 | $136,000 |
| 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 | 29 | $6,503,000 | $224,000 | $1,740,000 | $115,000 | $1,000,000 |
| Other | 18 | $6,348,000 | $352,000 | $2,145,000 | $216,000 | $1,779,000 |
| Credit Application Incomplete | 11 | $4,118,000 | $374,000 | $824,000 | $149,000 | $300,000 |
| Debt-To-Income Ratio | 10 | $2,423,000 | $242,000 | $417,000 | $73,000 | $150,000 |
| Collateral | 4 | $2,507,000 | $626,000 | $1,593,000 | $312,000 | $752,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $346,000 | $173,000 | $201,000 | $47,000 | $56,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into R- G Crown Bank's 2007 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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