Gibraltar Private Bank & Trust Company Mortgage Lending & HMDA Data, 2012
In 2012, Gibraltar Private Bank & Trust Company of Coral Gables, FL reported 846 mortgage applications totaling $705.5 million, up 32% from 2011. The average application was for $833,957, and applicants reported an average income of $386,730. 54% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Miami-Miami Beach-Kendall, FL (439), New York-White Plains-Wayne, NY-NJ (133) and Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (132) (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 | 846 |
| Total Mortgage Loan Application Amount | $705,528,000 |
| Average Mortgage Loan Application Amount | $833,957 |
| Highest Mortgage Loan Application Amount | $13,000,000 |
| Average Applicant Income | $386,730 |
| Highest Applicant Income | $9,303,000 |
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Gibraltar Private Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2012
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 | 483 | $424,358,000 | $878,000 | $8,000,000 | $409,000 | $9,303,000 |
| Refinancing | 338 | $263,320,000 | $779,000 | $13,000,000 | $354,000 | $6,000,000 |
| Home Improvement | 25 | $17,850,000 | $714,000 | $2,500,000 | $399,000 | $1,870,000 |
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 | 472 | $405,059,000 | $858,000 | $7,800,000 | $434,000 | $9,303,000 |
| Hispanic | 211 | $115,170,000 | $545,000 | $5,000,000 | $306,000 | $3,181,000 |
| Not Provided | 82 | $91,339,000 | $1,113,000 | $13,000,000 | $438,000 | $2,609,000 |
| Not applicable | 43 | $62,921,000 | $1,463,000 | $5,250,000 | $0 | $0 |
| Black or African American | 21 | $7,763,000 | $369,000 | $1,840,000 | $271,000 | $2,000,000 |
| Asian | 17 | $23,276,000 | $1,369,000 | $4,100,000 | $958,000 | $6,000,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 839 | $703,732,000 | $838,000 | $13,000,000 | $389,000 | $9,303,000 |
| FHA-insured (Federal Housing Administration) | 7 | $1,796,000 | $256,000 | $424,000 | $97,000 | $151,000 |
| 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 | 461 | $340,932,000 | $739,000 | $5,000,000 | $359,000 | $4,500,000 |
| Application Denied By Financial Institution | 139 | $142,376,000 | $1,024,000 | $8,000,000 | $363,000 | $2,284,000 |
| Application Withdrawn By Applicant | 104 | $80,026,000 | $769,000 | $6,000,000 | $472,000 | $9,303,000 |
| File Closed For Incompleteness | 72 | $72,632,000 | $1,008,000 | $13,000,000 | $390,000 | $2,480,000 |
| Application Approved But Not Accepted | 70 | $69,562,000 | $993,000 | $5,250,000 | $487,000 | $2,812,000 |
| 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 | 46 | $33,059,000 | $718,000 | $4,100,000 | $344,000 | $2,000,000 |
| Debt-To-Income Ratio | 42 | $45,156,000 | $1,075,000 | $8,000,000 | $240,000 | $2,162,000 |
| Other | 23 | $33,306,000 | $1,448,000 | $4,910,000 | $516,000 | $2,284,000 |
| Unverifiable Information | 9 | $8,913,000 | $990,000 | $2,150,000 | $459,000 | $1,645,000 |
| Credit History | 9 | $7,010,000 | $778,000 | $3,600,000 | $431,000 | $2,115,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $10,918,000 | $2,183,000 | $4,500,000 | $665,000 | $1,698,000 |
| Employment History | 3 | $1,810,000 | $603,000 | $1,600,000 | $262,000 | $720,000 |
| Credit Application Incomplete | 2 | $2,204,000 | $1,102,000 | $1,780,000 | $295,000 | $439,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gibraltar Private Bank & Trust Company's 2012 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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