Gibraltar Private Bank & Trust Company Mortgage Lending & HMDA Data, 2011
In 2011, Gibraltar Private Bank & Trust Company of Coral Gables, FL reported 639 mortgage applications totaling $511.3 million. The average application was for $800,125, and applicants reported an average income of $381,607. 50% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Miami-Miami Beach-Kendall, FL (349), New York-White Plains-Wayne, NY-NJ (100) and Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (74) (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 | 639 |
| Total Mortgage Loan Application Amount | $511,280,000 |
| Average Mortgage Loan Application Amount | $800,125 |
| Highest Mortgage Loan Application Amount | $7,500,000 |
| Average Applicant Income | $381,607 |
| Highest Applicant Income | $9,999,000 |
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Gibraltar Private Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2011
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 | 417 | $295,826,000 | $709,000 | $6,200,000 | $345,000 | $7,200,000 |
| Refinancing | 214 | $204,433,000 | $955,000 | $6,600,000 | $461,000 | $9,999,000 |
| Home Improvement | 8 | $11,021,000 | $1,377,000 | $7,500,000 | $166,000 | $766,000 |
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 | 317 | $300,767,000 | $948,000 | $7,500,000 | $481,000 | $9,999,000 |
| Hispanic | 169 | $85,417,000 | $505,000 | $2,500,000 | $276,000 | $2,068,000 |
| Not Provided | 66 | $59,139,000 | $896,000 | $6,000,000 | $545,000 | $5,878,000 |
| Not applicable | 39 | $44,839,000 | $1,149,000 | $5,000,000 | $0 | $0 |
| Black or African American | 34 | $4,993,000 | $146,000 | $620,000 | $60,000 | $404,000 |
| Asian | 13 | $15,425,000 | $1,186,000 | $2,825,000 | $470,000 | $1,186,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $700,000 | $700,000 | $700,000 | $446,000 | $446,000 |
| 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) | 633 | $509,483,000 | $804,000 | $7,500,000 | $384,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 5 | $1,380,000 | $276,000 | $419,000 | $118,000 | $208,000 |
| VA-guaranteed (Veterans Administration) | 1 | $417,000 | $417,000 | $417,000 | $79,000 | $79,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 319 | $215,905,000 | $676,000 | $3,600,000 | $336,000 | $2,412,000 |
| Application Denied By Financial Institution | 102 | $99,550,000 | $975,000 | $7,500,000 | $319,000 | $5,878,000 |
| Application Approved But Not Accepted | 81 | $63,531,000 | $784,000 | $4,500,000 | $386,000 | $7,200,000 |
| Application Withdrawn By Applicant | 69 | $58,564,000 | $848,000 | $6,200,000 | $399,000 | $1,732,000 |
| File Closed For Incompleteness | 68 | $73,730,000 | $1,084,000 | $6,000,000 | $662,000 | $9,999,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 35 | $22,816,000 | $651,000 | $4,200,000 | $483,000 | $5,878,000 |
| Debt-To-Income Ratio | 34 | $23,990,000 | $705,000 | $5,000,000 | $144,000 | $503,000 |
| Other | 11 | $14,611,000 | $1,328,000 | $2,820,000 | $223,000 | $651,000 |
| Unverifiable Information | 9 | $21,162,000 | $2,351,000 | $7,500,000 | $315,000 | $950,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $8,950,000 | $1,491,000 | $3,000,000 | $635,000 | $1,445,000 |
| Credit History | 6 | $7,646,000 | $1,274,000 | $4,940,000 | $258,000 | $739,000 |
| Employment History | 1 | $375,000 | $375,000 | $375,000 | $120,000 | $120,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gibraltar Private Bank & Trust Company's 2011 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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