Crews Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Crews Bank & Trust of Wauchula, FL reported 334 mortgage applications totaling $48.3 million, down 10% from 2015. The average application was for $144,589, and applicants reported an average income of $65,661. 81% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Sebring, FL (157), Lakeland-Winter Haven, FL (27) and North Port-Sarasota-Bradenton, FL (19) (applications in parentheses).
| Mortgage Company & Address | Crews Bank & Trust 106 East Main St , P.O. Box 248 Wauchula, FL 33873 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 334 |
| Total Mortgage Loan Application Amount | $48,293,000 |
| Average Mortgage Loan Application Amount | $144,589 |
| Highest Mortgage Loan Application Amount | $3,600,000 |
| Average Applicant Income | $65,661 |
| Highest Applicant Income | $1,800,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Crews Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Highlands, Florida | 157 | $ 12,126,000 | $ 77,235 | $ 64,000 |
| Hardee, Florida | 94 | $ 3,930,000 | $ 41,808 | $ 42,000 |
| Polk, Florida | 27 | $ 5,627,000 | $ 208,407 | $ 76,000 |
| Hillsborough, Florida | 15 | $ 10,489,000 | $ 699,266 | $ 18,000 |
| Manatee, Florida | 10 | $ 1,644,000 | $ 164,400 | $ 158,000 |
| Sarasota, Florida | 9 | $ 4,485,000 | $ 498,333 | $ 50,000 |
| Charlotte, Florida | 3 | $ 529,000 | $ 176,333 | $ 23,000 |
| DeSoto, Florida | 2 | $ 57,000 | $ 28,500 | $ 33,000 |
| Okeechobee, Florida | 2 | $ 3,008,000 | $ 1,504,000 | $ 15,000 |
| Palm Beach, Florida | 2 | $ 813,000 | $ 406,500 | $ 0 |
| St. Lucie, Florida | 2 | $ 382,000 | $ 191,000 | $ 213,000 |
| Brevard, Florida | 1 | $ 229,000 | $ 229,000 | $ 107,000 |
| Broward, Florida | 1 | $ 256,000 | $ 256,000 | $ 71,000 |
| Gadsden, Florida | 1 | $ 1,400,000 | $ 1,400,000 | $ 1,800,000 |
| Glades, Florida | 1 | $ 45,000 | $ 45,000 | $ 91,000 |
| Lee, Florida | 1 | $ 52,000 | $ 52,000 | $ 52,000 |
| Pasco, Florida | 1 | $ 224,000 | $ 224,000 | $ 110,000 |
| Pinellas, Florida | 1 | $ 220,000 | $ 220,000 | $ 590,000 |
| Seminole, Florida | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Fannin, Georgia | 1 | $ 37,000 | $ 37,000 | $ 37,000 |
| Clay, North Carolina | 1 | $ 130,000 | $ 130,000 | $ 143,000 |
| Knox, Tennessee | 1 | $ 2,555,000 | $ 2,555,000 | $ 0 |
Mortgage Loan Application Detail Totals for Crews Bank & Trust in 2016
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 | 199 | $35,497,000 | $178,000 | $3,520,000 | $79,000 | $1,800,000 |
| Home Improvement | 91 | $1,575,000 | $17,000 | $209,000 | $46,000 | $500,000 |
| Refinancing | 44 | $11,221,000 | $255,000 | $3,600,000 | $46,000 | $190,000 |
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 | 165 | $16,055,000 | $97,000 | $1,540,000 | $90,000 | $1,105,000 |
| Hispanic | 79 | $3,196,000 | $40,000 | $223,000 | $45,000 | $219,000 |
| Not applicable | 65 | $27,016,000 | $415,000 | $3,600,000 | $34,000 | $1,800,000 |
| Not Provided | 11 | $1,497,000 | $136,000 | $269,000 | $70,000 | $172,000 |
| Black or African American | 9 | $141,000 | $15,000 | $37,000 | $27,000 | $68,000 |
| Asian | 5 | $388,000 | $77,000 | $229,000 | $52,000 | $107,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin 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) | 334 | $48,293,000 | $144,000 | $3,600,000 | $66,000 | $1,800,000 |
| 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 | 272 | $40,222,000 | $147,000 | $3,600,000 | $69,000 | $1,800,000 |
| Application Approved But Not Accepted | 36 | $6,364,000 | $176,000 | $1,600,000 | $64,000 | $227,000 |
| Application Denied By Financial Institution | 19 | $992,000 | $52,000 | $178,000 | $25,000 | $64,000 |
| Application Withdrawn By Applicant | 7 | $715,000 | $102,000 | $193,000 | $70,000 | $156,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Crews Bank & Trust's 2016 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 Crews Bank & Trust'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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