Gb Home Equity, LLC Mortgage Lending & HMDA Data, 2008
In 2008, Gb Home Equity, LLC of Brown Deer, WI reported 116 mortgage applications totaling $10.3 million, down 99% from 2007. The average application was for $89,163, and applicants reported an average income of $77,465. 35% of its applications resulted in an originated loan and 35% were denied. Its largest markets were Philadelphia, PA (6), Chicago-Naperville-Joliet, IL (4) and Wilmington, DE-MD-NJ (4) (applications in parentheses).
| Mortgage Company & Address | Gb Home Equity, LLC 4000 W Brown Deer Road Brown Deer, WI 53209 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 116 |
| Total Mortgage Loan Application Amount | $10,343,000 |
| Average Mortgage Loan Application Amount | $89,163 |
| Highest Mortgage Loan Application Amount | $685,000 |
| Average Applicant Income | $77,465 |
| Highest Applicant Income | $342,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Gb Home Equity, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 3 | $ 261,000 | $ 87,000 | $ 122,000 |
| New Castle, Delaware | 3 | $ 321,000 | $ 107,000 | $ 108,000 |
| Arapahoe, Colorado | 2 | $ 180,000 | $ 90,000 | $ 73,000 |
| Hartford, Connecticut | 2 | $ 91,000 | $ 45,500 | $ 77,000 |
| Volusia, Florida | 2 | $ 386,000 | $ 193,000 | $ 34,000 |
| Cook, Illinois | 2 | $ 90,000 | $ 45,000 | $ 55,000 |
| DuPage, Illinois | 2 | $ 372,000 | $ 186,000 | $ 75,000 |
| Prince George's, Maryland | 2 | $ 134,000 | $ 67,000 | $ 236,000 |
| Worcester, Massachusetts | 2 | $ 129,000 | $ 64,500 | $ 105,000 |
| Union, New Jersey | 2 | $ 132,000 | $ 66,000 | $ 132,000 |
| Erie, New York | 2 | $ 57,000 | $ 28,500 | $ 71,000 |
| Bucks, Pennsylvania | 2 | $ 244,000 | $ 122,000 | $ 162,000 |
| Chester, Pennsylvania | 2 | $ 373,000 | $ 186,500 | $ 107,000 |
| Bell, Texas | 2 | $ 95,000 | $ 47,500 | $ 47,000 |
| Clark, Washington | 2 | $ 208,000 | $ 104,000 | $ 127,000 |
| Jefferson, Alabama | 1 | $ 50,000 | $ 50,000 | $ 100,000 |
| Pinal, Arizona | 1 | $ 193,000 | $ 193,000 | $ 85,000 |
| Nevada, Arkansas | 1 | $ 80,000 | $ 80,000 | $ 36,000 |
| Washington, Arkansas | 1 | $ 60,000 | $ 60,000 | $ 35,000 |
| Marin, California | 1 | $ 168,000 | $ 168,000 | $ 130,000 |
| Mendocino, California | 1 | $ 85,000 | $ 85,000 | $ 55,000 |
| San Bernardino, California | 1 | $ 191,000 | $ 191,000 | $ 68,000 |
| Santa Barbara, California | 1 | $ 30,000 | $ 30,000 | $ 75,000 |
| Sonoma, California | 1 | $ 52,000 | $ 52,000 | $ 57,000 |
| Tulare, California | 1 | $ 35,000 | $ 35,000 | $ 115,000 |
| Pueblo, Colorado | 1 | $ 18,000 | $ 18,000 | $ 64,000 |
| Sussex, Delaware | 1 | $ 330,000 | $ 330,000 | $ 100,000 |
| Charlotte, Florida | 1 | $ 685,000 | $ 685,000 | $ 342,000 |
| Martin, Florida | 1 | $ 45,000 | $ 45,000 | $ 36,000 |
| DeKalb, Georgia | 1 | $ 25,000 | $ 25,000 | $ 43,000 |
| Hall, Georgia | 1 | $ 28,000 | $ 28,000 | $ 83,000 |
| Canyon, Idaho | 1 | $ 37,000 | $ 37,000 | $ 62,000 |
| Lake, Illinois | 1 | $ 90,000 | $ 90,000 | $ 65,000 |
| Sangamon, Illinois | 1 | $ 38,000 | $ 38,000 | $ 41,000 |
| Elkhart, Indiana | 1 | $ 56,000 | $ 56,000 | $ 42,000 |
| Hamilton, Indiana | 1 | $ 25,000 | $ 25,000 | $ 85,000 |
| Marion, Indiana | 1 | $ 38,000 | $ 38,000 | $ 15,000 |
| Vigo, Indiana | 1 | $ 16,000 | $ 16,000 | $ 84,000 |
| Louisa, Iowa | 1 | $ 36,000 | $ 36,000 | $ 99,000 |
| Pottawattamie, Iowa | 1 | $ 15,000 | $ 15,000 | $ 72,000 |
| Scott, Iowa | 1 | $ 32,000 | $ 32,000 | $ 65,000 |
| Washington, Iowa | 1 | $ 60,000 | $ 60,000 | $ 83,000 |
| Fayette, Kentucky | 1 | $ 152,000 | $ 152,000 | $ 41,000 |
| Jefferson, Louisiana | 1 | $ 167,000 | $ 167,000 | $ 38,000 |
| Bristol, Massachusetts | 1 | $ 47,000 | $ 47,000 | $ 56,000 |
| Ramsey, Minnesota | 1 | $ 145,000 | $ 145,000 | $ 141,000 |
| Cass, Missouri | 1 | $ 29,000 | $ 29,000 | $ 52,000 |
| Lewis and Clark, Montana | 1 | $ 74,000 | $ 74,000 | $ 62,000 |
| Rockingham, New Hampshire | 1 | $ 75,000 | $ 75,000 | $ 160,000 |
| Camden, New Jersey | 1 | $ 72,000 | $ 72,000 | $ 56,000 |
| Ocean, New Jersey | 1 | $ 210,000 | $ 210,000 | $ 63,000 |
| Salem, New Jersey | 1 | $ 265,000 | $ 265,000 | $ 82,000 |
| Torrance, New Mexico | 1 | $ 50,000 | $ 50,000 | $ 34,000 |
| Oneida, New York | 1 | $ 47,000 | $ 47,000 | $ 55,000 |
| Onondaga, New York | 1 | $ 30,000 | $ 30,000 | $ 61,000 |
| Suffolk, New York | 1 | $ 98,000 | $ 98,000 | $ 113,000 |
| Wayne, New York | 1 | $ 38,000 | $ 38,000 | $ 39,000 |
| Catawba, North Carolina | 1 | $ 47,000 | $ 47,000 | $ 18,000 |
| Cumberland, North Carolina | 1 | $ 15,000 | $ 15,000 | $ 52,000 |
| Durham, North Carolina | 1 | $ 140,000 | $ 140,000 | $ 60,000 |
| Madison, North Carolina | 1 | $ 25,000 | $ 25,000 | $ 56,000 |
| Stutsman, North Dakota | 1 | $ 61,000 | $ 61,000 | $ 52,000 |
| Shelby, Ohio | 1 | $ 70,000 | $ 70,000 | $ 65,000 |
| Beaver, Oklahoma | 1 | $ 59,000 | $ 59,000 | $ 53,000 |
| Deschutes, Oregon | 1 | $ 115,000 | $ 115,000 | $ 92,000 |
| Klamath, Oregon | 1 | $ 94,000 | $ 94,000 | $ 65,000 |
| Berks, Pennsylvania | 1 | $ 71,000 | $ 71,000 | $ 29,000 |
| Cumberland, Pennsylvania | 1 | $ 21,000 | $ 21,000 | $ 48,000 |
| Fayette, Pennsylvania | 1 | $ 46,000 | $ 46,000 | $ 33,000 |
| Lancaster, Pennsylvania | 1 | $ 49,000 | $ 49,000 | $ 74,000 |
| Montgomery, Pennsylvania | 1 | $ 202,000 | $ 202,000 | $ 68,000 |
| Northampton, Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 93,000 |
| Philadelphia, Pennsylvania | 1 | $ 5,000 | $ 5,000 | $ 19,000 |
| Wayne, Pennsylvania | 1 | $ 43,000 | $ 43,000 | $ 113,000 |
| Westmoreland, Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 51,000 |
| Anderson, South Carolina | 1 | $ 33,000 | $ 33,000 | $ 33,000 |
| Greenville, South Carolina | 1 | $ 172,000 | $ 172,000 | $ 42,000 |
| Greene, Tennessee | 1 | $ 29,000 | $ 29,000 | $ 46,000 |
| Loudon, Tennessee | 1 | $ 61,000 | $ 61,000 | $ 154,000 |
| Sullivan, Tennessee | 1 | $ 144,000 | $ 144,000 | $ 70,000 |
| Fort Bend, Texas | 1 | $ 53,000 | $ 53,000 | $ 140,000 |
| Harris, Texas | 1 | $ 73,000 | $ 73,000 | $ 37,000 |
| Salt Lake, Utah | 1 | $ 76,000 | $ 76,000 | $ 79,000 |
| Chittenden, Vermont | 1 | $ 149,000 | $ 149,000 | $ 61,000 |
| Henrico, Virginia | 1 | $ 44,000 | $ 44,000 | $ 79,000 |
| Southampton, Virginia | 1 | $ 52,000 | $ 52,000 | $ 36,000 |
| Stafford, Virginia | 1 | $ 115,000 | $ 115,000 | $ 119,000 |
| Kitsap, Washington | 1 | $ 13,000 | $ 13,000 | $ 75,000 |
| Thurston, Washington | 1 | $ 196,000 | $ 196,000 | $ 46,000 |
| Monongalia, West Virginia | 1 | $ 123,000 | $ 123,000 | $ 46,000 |
| Dane, Wisconsin | 1 | $ 57,000 | $ 57,000 | $ 81,000 |
| Lincoln, Wisconsin | 1 | $ 139,000 | $ 139,000 | $ 58,000 |
| Milwaukee, Wisconsin | 1 | $ 10,000 | $ 10,000 | $ 49,000 |
| Oconto, Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 68,000 |
| Racine, Wisconsin | 1 | $ 20,000 | $ 20,000 | $ 46,000 |
| Sauk, Wisconsin | 1 | $ 110,000 | $ 110,000 | $ 60,000 |
| Waukesha, Wisconsin | 1 | $ 52,000 | $ 52,000 | $ 40,000 |
| Carbon, Wyoming | 1 | $ 34,000 | $ 34,000 | $ 34,000 |
| Goshen, Wyoming | 1 | $ 45,000 | $ 45,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Gb Home Equity, LLC in 2008
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 |
|---|---|---|---|---|---|---|
| Refinancing | 114 | $10,267,000 | $90,000 | $685,000 | $78,000 | $342,000 |
| Home Improvement | 2 | $76,000 | $38,000 | $46,000 | $47,000 | $61,000 |
| Home Purchase | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 81 | $8,204,000 | $101,000 | $685,000 | $78,000 | $342,000 |
| Not Provided | 25 | $1,455,000 | $58,000 | $172,000 | $78,000 | $325,000 |
| Hispanic | 5 | $427,000 | $85,000 | $152,000 | $87,000 | $163,000 |
| Black or African American | 4 | $210,000 | $52,000 | $74,000 | $68,000 | $148,000 |
| Asian | 1 | $47,000 | $47,000 | $47,000 | $18,000 | $18,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 116 | $10,343,000 | $89,000 | $685,000 | $78,000 | $342,000 |
| 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 | 41 | $3,454,000 | $84,000 | $310,000 | $72,000 | $240,000 |
| Application Denied By Financial Institution | 41 | $4,139,000 | $100,000 | $685,000 | $85,000 | $342,000 |
| Application Withdrawn By Applicant | 15 | $1,622,000 | $108,000 | $330,000 | $84,000 | $163,000 |
| File Closed For Incompleteness | 14 | $656,000 | $46,000 | $94,000 | $78,000 | $160,000 |
| Application Approved But Not Accepted | 5 | $472,000 | $94,000 | $191,000 | $46,000 | $68,000 |
| 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 | 12 | $770,000 | $64,000 | $133,000 | $73,000 | $215,000 |
| Collateral | 10 | $1,524,000 | $152,000 | $685,000 | $107,000 | $342,000 |
| Other | 10 | $935,000 | $93,000 | $315,000 | $104,000 | $325,000 |
| Credit History | 7 | $524,000 | $74,000 | $167,000 | $64,000 | $119,000 |
| Employment History | 2 | $386,000 | $193,000 | $193,000 | $34,000 | $34,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gb Home Equity, LLC's 2008 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 Gb Home Equity, LLC'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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