Gibraltar Private Bank & Trust Company Mortgage Lending & HMDA Data, 2013
In 2013, Gibraltar Private Bank & Trust Company of Coral Gables, FL reported 744 mortgage applications totaling $617.1 million, down 12% from 2012. The average application was for $829,483, and applicants reported an average income of $400,418. 59% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Miami-Miami Beach-Kendall, FL (386), Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (115) and New York-White Plains-Wayne, NY-NJ (102) (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 | 744 |
| Total Mortgage Loan Application Amount | $617,136,000 |
| Average Mortgage Loan Application Amount | $829,483 |
| Highest Mortgage Loan Application Amount | $8,000,000 |
| Average Applicant Income | $400,418 |
| Highest Applicant Income | $8,635,000 |
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Gibraltar Private Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013
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 | 491 | $423,620,000 | $862,000 | $8,000,000 | $412,000 | $8,635,000 |
| Refinancing | 244 | $185,406,000 | $759,000 | $7,600,000 | $372,000 | $3,883,000 |
| Home Improvement | 9 | $8,110,000 | $901,000 | $2,499,000 | $539,000 | $3,099,000 |
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 | 382 | $321,304,000 | $841,000 | $6,640,000 | $436,000 | $8,635,000 |
| Hispanic | 161 | $93,591,000 | $581,000 | $4,445,000 | $340,000 | $3,099,000 |
| Not Provided | 117 | $94,498,000 | $807,000 | $5,000,000 | $514,000 | $3,698,000 |
| Not applicable | 49 | $78,437,000 | $1,600,000 | $8,000,000 | $0 | $0 |
| Asian | 17 | $22,434,000 | $1,319,000 | $3,000,000 | $624,000 | $3,145,000 |
| Black or African American | 14 | $4,292,000 | $306,000 | $2,334,000 | $298,000 | $3,683,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,832,000 | $610,000 | $1,027,000 | $362,000 | $720,000 |
| American Indian or Alaskan Native | 1 | $748,000 | $748,000 | $748,000 | $325,000 | $325,000 |
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) | 743 | $616,871,000 | $830,000 | $8,000,000 | $401,000 | $8,635,000 |
| FHA-insured (Federal Housing Administration) | 1 | $265,000 | $265,000 | $265,000 | $94,000 | $94,000 |
| 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 | 438 | $340,322,000 | $776,000 | $4,445,000 | $414,000 | $8,635,000 |
| Application Denied By Financial Institution | 130 | $108,889,000 | $837,000 | $5,999,000 | $313,000 | $3,883,000 |
| File Closed For Incompleteness | 87 | $86,349,000 | $992,000 | $5,000,000 | $466,000 | $3,698,000 |
| Application Withdrawn By Applicant | 83 | $75,717,000 | $912,000 | $8,000,000 | $404,000 | $2,520,000 |
| Application Approved But Not Accepted | 6 | $5,859,000 | $976,000 | $2,825,000 | $283,000 | $1,062,000 |
| 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 | 48 | $43,918,000 | $914,000 | $5,000,000 | $172,000 | $708,000 |
| Collateral | 43 | $30,457,000 | $708,000 | $5,000,000 | $498,000 | $3,883,000 |
| Credit History | 18 | $7,116,000 | $395,000 | $2,020,000 | $144,000 | $347,000 |
| Other | 14 | $18,334,000 | $1,309,000 | $3,825,000 | $419,000 | $2,372,000 |
| Unverifiable Information | 5 | $8,867,000 | $1,773,000 | $5,999,000 | $512,000 | $2,076,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $197,000 | $98,000 | $111,000 | $38,000 | $48,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gibraltar Private Bank & Trust Company's 2013 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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