Gibraltar Private Bank & Trust Company Mortgage Lending & HMDA Data, 2017
In 2017, Gibraltar Private Bank & Trust Company of Coral Gables, FL reported 406 mortgage applications totaling $469.7 million, down 5% from 2016. The average application was for $1,156,834, and applicants reported an average income of $480,100. 57% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Miami-Miami Beach-Kendall, FL (186), New York-Jersey City-White Plains, NY-NJ (62) and Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (55) (applications in parentheses).
| Mortgage Company & Address | Gibraltar Private Bank & Trust Company 55 Alhambra Plaza, 7th Floor Coral Gables, FL 33134 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 406 |
| Total Mortgage Loan Application Amount | $469,675,000 |
| Average Mortgage Loan Application Amount | $1,156,834 |
| Highest Mortgage Loan Application Amount | $12,870,000 |
| Average Applicant Income | $480,100 |
| Highest Applicant Income | $10,787,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Gibraltar Private Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Gibraltar Private Bank & Trust Company in 2017
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 | 299 | $344,914,000 | $1,153,000 | $12,870,000 | $521,000 | $10,787,000 |
| Refinancing | 101 | $119,479,000 | $1,182,000 | $6,000,000 | $374,000 | $2,758,000 |
| Home Improvement | 6 | $5,282,000 | $880,000 | $1,330,000 | $228,000 | $548,000 |
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 | 196 | $248,524,000 | $1,267,000 | $12,870,000 | $742,000 | $10,787,000 |
| Hispanic | 87 | $61,237,000 | $703,000 | $5,000,000 | $284,000 | $2,298,000 |
| Not applicable | 59 | $98,538,000 | $1,670,000 | $6,950,000 | $0 | $0 |
| Not Provided | 39 | $34,957,000 | $896,000 | $3,800,000 | $369,000 | $1,285,000 |
| Black or African American | 12 | $7,923,000 | $660,000 | $2,400,000 | $268,000 | $1,461,000 |
| Asian | 10 | $14,363,000 | $1,436,000 | $3,955,000 | $483,000 | $1,748,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $4,133,000 | $1,377,000 | $2,800,000 | $846,000 | $1,857,000 |
| American Indian or Alaskan Native | 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) | 406 | $469,675,000 | $1,156,000 | $12,870,000 | $480,000 | $10,787,000 |
| 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 | 231 | $244,565,000 | $1,058,000 | $6,000,000 | $534,000 | $4,759,000 |
| Application Denied By Financial Institution | 88 | $112,725,000 | $1,280,000 | $12,870,000 | $374,000 | $10,787,000 |
| File Closed For Incompleteness | 54 | $80,205,000 | $1,485,000 | $6,950,000 | $571,000 | $4,152,000 |
| Application Withdrawn By Applicant | 31 | $30,986,000 | $999,000 | $6,100,000 | $243,000 | $1,112,000 |
| Application Approved But Not Accepted | 2 | $1,194,000 | $597,000 | $708,000 | $245,000 | $329,000 |
| 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 |
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 | 49 | $57,231,000 | $1,167,000 | $4,800,000 | $225,000 | $1,095,000 |
| Collateral | 12 | $15,296,000 | $1,274,000 | $4,200,000 | $219,000 | $1,177,000 |
| Other | 10 | $23,519,000 | $2,351,000 | $12,870,000 | $1,408,000 | $10,787,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $8,711,000 | $967,000 | $2,945,000 | $212,000 | $1,030,000 |
| Credit History | 6 | $7,841,000 | $1,306,000 | $4,200,000 | $532,000 | $1,917,000 |
| Employment History | 2 | $127,000 | $63,000 | $64,000 | $32,000 | $35,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gibraltar Private Bank & Trust Company's 2017 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 Gibraltar Private Bank & Trust Company'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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