Bigger loans
Its typical loan was $265,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans), larger than at about four in five of them. Purchases made up 64.6% of its loans.
Applications / Mortgage Analytics / Lenders / Florida / Crews Bank & Trust
Crews Bank & Trust
Wauchula, FL · State non-member bank · FDIC · $2.3 billion assets · 209 loans in 2025
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209
loans originated, 2025
275
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Crews Bank & Trust, a Wauchula bank enlarged by two mergers in 2023, makes bigger loans than most similar lenders.
Built by mergers
In 2023 it merged with Charlotte State Bank & Trust and Englewood Bank & Trust, and changed its name from Wauchula State Bank. Its loans rose 7% to 209 in 2025, a little below the 10% at similar lenders, and up from 127 five years before. The mergers may account for part of that rise.
Slipping in Punta Gorda
It ranks 23 of 548 lenders in Punta Gorda, FL, but its share fell to 0.9% from 1.3%. Its total lending fell to $78.5 million from $90.7 million even as it made more loans. Fewer large loans may explain much of the drop.
Fewer modest borrowers
Low- and moderate-income (LMI) borrowers took 15.8% of its loans, against 27.9% at similar lenders, fewer than at nearly nine in ten of them. Its larger purchase loans may mean more of its borrowers have higher incomes. Its share of loans in LMI areas, 18.3%, was near the middle.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
209 loans in 2025, against a peak of 282 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Crews Bank & Trust took 275 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
64.6% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 64.6% · Refinance 25.4% · Other 7.7% · Home improvement 2.4%
Conventional 100.0% · of 209 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
4 states, 17 metros, 26 counties
| State | Loans | Share |
|---|---|---|
| Florida | 205 | 98.1% |
| Tennessee | 2 | 1.0% |
| Michigan | 1 | 0.5% |
| New York | 1 | 0.5% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Punta Gorda | 64 |
| North Port-Bradenton-Sarasota | 40 |
| Sebring | 27 |
| Lakeland-Winter Haven | 20 |
| Cape Coral-Fort Myers | 7 |
| Naples-Marco Island | 4 |
| Tampa | 4 |
| St. Petersburg-Clearwater-Largo | 3 |
| Gainesville | 2 |
| Port St. Lucie | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZW96EO7YCGVV43 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 200435 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38021 | 2014–2017 |
Established 1 April 1929. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: Crews Bank & Trust's data.
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