Gibraltar Private Bank & Trust Company Mortgage Lending & HMDA Data, 2014
In 2014, Gibraltar Private Bank & Trust Company of Coral Gables, FL reported 627 mortgage applications totaling $663.2 million, down 16% from 2013. The average application was for $1,057,738, and applicants reported an average income of $506,119. 57% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Miami-Miami Beach-Kendall, FL (321), New York-Jersey City-White Plains, NY-NJ (116) and Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (87) (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 | 627 |
| Total Mortgage Loan Application Amount | $663,202,000 |
| Average Mortgage Loan Application Amount | $1,057,738 |
| Highest Mortgage Loan Application Amount | $12,050,000 |
| Average Applicant Income | $506,119 |
| Highest Applicant Income | $7,074,000 |
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Gibraltar Private Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014
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 | 474 | $482,771,000 | $1,018,000 | $12,050,000 | $496,000 | $7,074,000 |
| Refinancing | 142 | $167,892,000 | $1,182,000 | $7,000,000 | $542,000 | $6,982,000 |
| Home Improvement | 11 | $12,539,000 | $1,139,000 | $2,100,000 | $479,000 | $980,000 |
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 | $374,017,000 | $1,179,000 | $12,050,000 | $637,000 | $7,074,000 |
| Hispanic | 129 | $100,518,000 | $779,000 | $3,968,000 | $370,000 | $3,000,000 |
| Not Provided | 92 | $91,887,000 | $998,000 | $3,938,000 | $550,000 | $3,987,000 |
| Not applicable | 47 | $52,473,000 | $1,116,000 | $5,200,000 | $0 | $0 |
| Black or African American | 26 | $22,747,000 | $874,000 | $4,000,000 | $362,000 | $1,825,000 |
| Asian | 16 | $21,560,000 | $1,347,000 | $4,500,000 | $479,000 | $946,000 |
| 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) | 627 | $663,202,000 | $1,057,000 | $12,050,000 | $506,000 | $7,074,000 |
| 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 | 359 | $341,885,000 | $952,000 | $5,000,000 | $493,000 | $7,074,000 |
| File Closed For Incompleteness | 113 | $138,608,000 | $1,226,000 | $5,528,000 | $637,000 | $7,000,000 |
| Application Denied By Financial Institution | 104 | $122,822,000 | $1,180,000 | $12,050,000 | $368,000 | $5,249,000 |
| Application Withdrawn By Applicant | 50 | $57,447,000 | $1,148,000 | $5,200,000 | $580,000 | $2,724,000 |
| Application Approved But Not Accepted | 1 | $2,440,000 | $2,440,000 | $2,440,000 | $950,000 | $950,000 |
| 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 | 47 | $55,485,000 | $1,180,000 | $4,900,000 | $252,000 | $1,283,000 |
| Collateral | 20 | $15,092,000 | $754,000 | $1,632,000 | $320,000 | $722,000 |
| Credit History | 12 | $10,544,000 | $878,000 | $4,760,000 | $351,000 | $2,479,000 |
| Other | 11 | $10,735,000 | $975,000 | $2,208,000 | $332,000 | $1,066,000 |
| Unverifiable Information | 9 | $13,765,000 | $1,529,000 | $7,000,000 | $610,000 | $3,085,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $17,201,000 | $3,440,000 | $12,050,000 | $1,340,000 | $5,249,000 |
| 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 2014 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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