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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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GIBRALTAR PRIVATE BANK & TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
GIBRALTAR PRIVATE BANK & TRUST |
| Address | 220 ALHAMBRA CIRCLE, 5TH FLOOR
CORAL GABLES, FL 33134 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 246 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $286,707,000 |
| Average Mortgage Loan Amount Applied For | $1,694,384 |
| Highest Mortgage Loan Amount Applied For | $8,000,000 |
| Average Applicant Income | $509,269 |
| Highest Applicant Income | $6,996,000 |
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| Home Improvement |
1 | $500,000 |
$500,000 | $500,000 |
$760,000 | $760,000 |
| Home Purchase |
205 | $226,959,000 |
$1,107,000 | $7,425,000 |
$289,000 | $6,996,000 |
| Refinancing |
40 | $59,248,000 |
$1,481,000 | $8,000,000 |
$458,000 | $4,200,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $2,038,000 |
$2,038,000 | $2,038,000 |
$431,000 | $431,000 |
| Black or African American |
9 | $3,569,000 |
$396,000 | $2,880,000 |
$799,000 | $6,996,000 |
| Hispanic |
86 | $53,131,000 |
$617,000 | $5,775,000 |
$122,000 | $1,313,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
45 | $71,532,000 |
$1,589,000 | $6,160,000 |
$0 | $0 |
| Not Provided |
9 | $16,746,000 |
$1,860,000 | $7,500,000 |
$706,000 | $3,178,000 |
| White |
96 | $139,691,000 |
$1,455,000 | $8,000,000 |
$560,000 | $4,200,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
246 | $286,707,000 |
$1,165,000 | $8,000,000 |
$318,000 | $6,996,000 |
| 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 |
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| Application Approved But Not Accepted |
39 | $45,657,000 |
$1,170,000 | $7,500,000 |
$399,000 | $3,178,000 |
| Application Denied By Financial Institution |
17 | $10,997,000 |
$646,000 | $2,648,000 |
$111,000 | $578,000 |
| Application Withdrawn By Applicant |
23 | $19,411,000 |
$843,000 | $6,000,000 |
$221,000 | $2,599,000 |
| File Closed For Incompleteness |
11 | $5,387,000 |
$489,000 | $1,750,000 |
$532,000 | $4,200,000 |
| Loan Originated |
156 | $205,255,000 |
$1,315,000 | $8,000,000 |
$319,000 | $6,996,000 |
| 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 |
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| Collateral |
1 | $760,000 |
$760,000 | $760,000 |
$0 | $0 |
| Credit Application Incomplete |
1 | $895,000 |
$895,000 | $895,000 |
$0 | $0 |
| Credit History |
3 | $1,550,000 |
$516,000 | $1,208,000 |
$148,000 | $227,000 |
| Debt-To-Income Ratio |
7 | $5,339,000 |
$762,000 | $2,648,000 |
$169,000 | $578,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
3 | $309,000 |
$103,000 | $136,000 |
$41,000 | $48,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $1,848,000 |
$1,848,000 | $1,848,000 |
$0 | $0 |
| Unverifiable Information |
1 | $296,000 |
$296,000 | $296,000 |
$148,000 | $148,000 |
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Mortgage Loan App Totals for GIBRALTAR PRIVATE BANK & TRUST by:
Metropolitan Area And
County
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