Greenbrier Mortgage, LLC Mortgage Lending & HMDA Data, 2008
In 2008, Greenbrier Mortgage, LLC of Miamisburg, OH reported 27 mortgage applications totaling $6.0 million, down 21% from 2007. The average application was for $222,629, and applicants reported an average income of $94,333. 37% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Charlotte-Gastonia-Concord, NC-SC (10), Virginia Beach-Norfolk-Newport News, VA-NC (4) and Charleston-North Charleston-Summerville, SC (1) (applications in parentheses).
| Mortgage Company & Address | Greenbrier Mortgage, LLC 3232 Newmark Dr. Miamisburg, OH 45342 |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 |
| Total Number of Mortgage Applications | 27 |
| Total Mortgage Loan Application Amount | $6,011,000 |
| Average Mortgage Loan Application Amount | $222,629 |
| Highest Mortgage Loan Application Amount | $608,000 |
| Average Applicant Income | $94,333 |
| Highest Applicant Income | $415,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Greenbrier Mortgage, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Greenbrier Mortgage, 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 15 | $3,091,000 | $206,000 | $417,000 | $80,000 | $217,000 |
| Refinancing | 11 | $2,583,000 | $234,000 | $608,000 | $115,000 | $415,000 |
| Home Improvement | 1 | $337,000 | $337,000 | $337,000 | $82,000 | $82,000 |
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 | 22 | $5,323,000 | $241,000 | $608,000 | $106,000 | $415,000 |
| Black or African American | 3 | $456,000 | $152,000 | $183,000 | $41,000 | $43,000 |
| Not Provided | 1 | $90,000 | $90,000 | $90,000 | $42,000 | $42,000 |
| Asian | 1 | $142,000 | $142,000 | $142,000 | $41,000 | $41,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 21 | $4,910,000 | $233,000 | $608,000 | $105,000 | $415,000 |
| FHA-insured (Federal Housing Administration) | 6 | $1,101,000 | $183,000 | $337,000 | $55,000 | $86,000 |
| 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 | 10 | $2,129,000 | $212,000 | $417,000 | $73,000 | $130,000 |
| Application Withdrawn By Applicant | 8 | $1,972,000 | $246,000 | $608,000 | $137,000 | $415,000 |
| Application Denied By Financial Institution | 7 | $1,335,000 | $190,000 | $360,000 | $59,000 | $80,000 |
| Application Approved But Not Accepted | 2 | $575,000 | $287,000 | $409,000 | $151,000 | $217,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 3 | $442,000 | $147,000 | $231,000 | $52,000 | $64,000 |
| Other | 1 | $360,000 | $360,000 | $360,000 | $75,000 | $75,000 |
| Unverifiable Information | 1 | $280,000 | $280,000 | $280,000 | $65,000 | $65,000 |
| Credit History | 1 | $183,000 | $183,000 | $183,000 | $43,000 | $43,000 |
| Debt-To-Income Ratio | 1 | $70,000 | $70,000 | $70,000 | $80,000 | $80,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Greenbrier Mortgage, 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 Greenbrier Mortgage, 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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