Crews Bank & Trust Mortgage Lending & HMDA Data, 2020
In 2020, Crews Bank & Trust of Wauchula, FL reported 175 mortgage applications totaling $55.2 million, up 7% from 2019. The average application was for $315,571, and applicants reported an average income of $91,794. 73% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Sebring, FL (65), Punta Gorda, FL (27) and Lakeland-Winter Haven, FL (24) (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 | 175 |
| Total Mortgage Loan Application Amount | $55,225,000 |
| Average Mortgage Loan Application Amount | $315,571 |
| Highest Mortgage Loan Application Amount | $6,305,000 |
| Average Applicant Income | $91,794 |
| Highest Applicant Income | $494,000 |
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Act (HMDA) records Crews Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 65 | $ 9,655,000 | $ 148,538 | $ 77,000 |
| Charlotte, Florida | 27 | $ 6,425,000 | $ 237,962 | $ 114,000 |
| Hardee, Florida | 26 | $ 3,110,000 | $ 119,615 | $ 79,000 |
| Polk, Florida | 24 | $ 5,800,000 | $ 241,666 | $ 127,000 |
| Sarasota, Florida | 8 | $ 8,590,000 | $ 1,073,750 | $ 77,000 |
| Hillsborough, Florida | 3 | $ 1,115,000 | $ 371,666 | $ 66,000 |
| Brevard, Florida | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Broward, Florida | 2 | $ 1,450,000 | $ 725,000 | $ 0 |
| DeSoto, Florida | 2 | $ 50,000 | $ 25,000 | $ 54,000 |
| Manatee, Florida | 2 | $ 620,000 | $ 310,000 | $ 55,000 |
| Okeechobee, Florida | 2 | $ 730,000 | $ 365,000 | $ 88,000 |
| Pasco, Florida | 2 | $ 5,190,000 | $ 2,595,000 | $ 82,000 |
| Pinellas, Florida | 2 | $ 1,360,000 | $ 680,000 | $ 0 |
| Lake, Florida | 1 | $ 135,000 | $ 135,000 | $ 213,000 |
| Lee, Florida | 1 | $ 6,305,000 | $ 6,305,000 | $ 0 |
| Marion, Florida | 1 | $ 95,000 | $ 95,000 | $ 133,000 |
| Miami-Dade, Florida | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Osceola, Florida | 1 | $ 165,000 | $ 165,000 | $ 116,000 |
| Sumter, Florida | 1 | $ 3,485,000 | $ 3,485,000 | $ 0 |
| Volusia, Florida | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Polk, Iowa | 1 | $ 155,000 | $ 155,000 | $ 0 |
Mortgage Loan Application Detail Totals for Crews Bank & Trust in 2020
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 | 116 | $36,380,000 | $313,000 | $6,305,000 | $97,000 | $494,000 |
| Cash-out Refinancing | 30 | $11,680,000 | $389,000 | $4,285,000 | $87,000 | $309,000 |
| Home Improvement | 12 | $4,050,000 | $337,000 | $3,485,000 | $46,000 | $101,000 |
| Refinancing | 11 | $2,315,000 | $210,000 | $395,000 | $120,000 | $296,000 |
| Other Purpose | 6 | $800,000 | $133,000 | $305,000 | $55,000 | $127,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 105 | $18,715,000 | $178,000 | $1,355,000 | $91,000 | $309,000 |
| Not applicable | 32 | $31,360,000 | $980,000 | $6,305,000 | $0 | $0 |
| Hispanic | 20 | $2,580,000 | $129,000 | $435,000 | $92,000 | $359,000 |
| Not Provided | 10 | $1,730,000 | $173,000 | $465,000 | $123,000 | $494,000 |
| Black or African American | 6 | $530,000 | $88,000 | $125,000 | $50,000 | $66,000 |
| American Indian or Alaskan Native | 1 | $145,000 | $145,000 | $145,000 | $79,000 | $79,000 |
| Asian | 1 | $165,000 | $165,000 | $165,000 | $116,000 | $116,000 |
| 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) | 175 | $55,225,000 | $315,000 | $6,305,000 | $91,000 | $494,000 |
| 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 | 127 | $39,645,000 | $312,000 | $5,005,000 | $99,000 | $494,000 |
| Application Denied By Financial Institution | 23 | $4,435,000 | $192,000 | $1,355,000 | $63,000 | $172,000 |
| Application Approved But Not Accepted | 13 | $3,215,000 | $247,000 | $1,005,000 | $98,000 | $206,000 |
| Application Withdrawn By Applicant | 12 | $7,930,000 | $660,000 | $6,305,000 | $73,000 | $161,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 175 | $55,225,000 | $315,000 | $6,305,000 | $91,000 | $494,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Crews Bank & Trust's 2020 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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