Ibm Southeast Emp Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Ibm Southeast Emp Credit Union 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Ibm Southeast Emp Credit Union 1000 Nw 17Th Ave Delray Beach, FL 33445 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,348 |
| Total Mortgage Loan Application Amount | $182,206,000 |
| Average Mortgage Loan Application Amount | $147,357 |
| Highest Mortgage Loan Application Amount | $650,000 |
| Average Applicant Income | $92,547 |
| Highest Applicant Income | $763,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Ibm Southeast Emp Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Ibm Southeast Emp Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Ibm Southeast Emp Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Ibm Southeast Emp Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Ibm Southeast Emp Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Ibm Southeast Emp Credit Union's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Palm Beach County Florida | 466 | $ 59,290,000 | $ 127,000 | $ 71,000 |
| Broward County Florida | 206 | $ 28,106,000 | $ 136,000 | $ 66,000 |
| Cobb County Georgia | 181 | $ 24,755,000 | $ 136,000 | $ 81,000 |
| Hillsborough County Florida | 64 | $ 8,690,000 | $ 135,000 | $ 78,000 |
| Fulton County Georgia | 63 | $ 9,823,000 | $ 155,000 | $ 88,000 |
| Cherokee County Georgia | 41 | $ 5,370,000 | $ 130,000 | $ 74,000 |
| DeKalb County Georgia | 35 | $ 5,824,000 | $ 166,000 | $ 83,000 |
| Pinellas County Florida | 25 | $ 2,895,000 | $ 115,000 | $ 74,000 |
| Gwinnett County Georgia | 25 | $ 4,509,000 | $ 180,000 | $ 113,000 |
| Pasco County Florida | 14 | $ 1,749,000 | $ 124,000 | $ 81,000 |
| Brevard County Florida | 11 | $ 1,931,000 | $ 175,000 | $ 106,000 |
| Miami-Dade County Florida | 11 | $ 1,561,000 | $ 141,000 | $ 92,000 |
| Forsyth County Georgia | 11 | $ 2,311,000 | $ 210,000 | $ 116,000 |
| Wake County North Carolina | 10 | $ 1,863,000 | $ 186,000 | $ 119,000 |
| Williamson County Texas | 8 | $ 888,000 | $ 111,000 | $ 117,000 |
| Martin County Florida | 7 | $ 1,450,000 | $ 207,000 | $ 91,000 |
| St. Lucie County Florida | 7 | $ 905,000 | $ 129,000 | $ 73,000 |
| Douglas County Georgia | 7 | $ 1,007,000 | $ 143,000 | $ 88,000 |
| Paulding County Georgia | 6 | $ 537,000 | $ 89,000 | $ 73,000 |
| Lake County Florida | 5 | $ 424,000 | $ 84,000 | $ 48,000 |
| Bartow County Georgia | 5 | $ 301,000 | $ 60,000 | $ 56,000 |
| Travis County Texas | 5 | $ 469,000 | $ 93,000 | $ 133,000 |
| Flagler County Florida | 4 | $ 420,000 | $ 105,000 | $ 75,000 |
| Lee County Florida | 4 | $ 464,000 | $ 116,000 | $ 50,000 |
| Manatee County Florida | 4 | $ 434,000 | $ 108,000 | $ 56,000 |
| Orange County Florida | 4 | $ 583,000 | $ 145,000 | $ 70,000 |
| Dawson County Georgia | 4 | $ 397,000 | $ 99,000 | $ 84,000 |
| Alachua County Florida | 3 | $ 195,000 | $ 65,000 | $ 67,000 |
| Marion County Florida | 3 | $ 399,000 | $ 133,000 | $ 56,000 |
| Polk County Florida | 3 | $ 317,000 | $ 105,000 | $ 72,000 |
| Sarasota County Florida | 3 | $ 214,000 | $ 71,000 | $ 97,000 |
| Volusia County Florida | 3 | $ 233,000 | $ 77,000 | $ 32,000 |
| Carroll County Georgia | 3 | $ 325,000 | $ 108,000 | $ 76,000 |
| Clayton County Georgia | 3 | $ 323,000 | $ 107,000 | $ 80,000 |
| Fayette County Georgia | 3 | $ 379,000 | $ 126,000 | $ 99,000 |
| Hall County Georgia | 3 | $ 600,000 | $ 200,000 | $ 113,000 |
| Henry County Georgia | 3 | $ 276,000 | $ 92,000 | $ 68,000 |
| Mobile County Alabama | 2 | $ 89,000 | $ 44,000 | $ 117,000 |
| Montgomery County Alabama | 2 | $ 159,000 | $ 79,000 | $ 119,000 |
| Citrus County Florida | 2 | $ 125,000 | $ 62,000 | $ 135,000 |
| Collier County Florida | 2 | $ 400,000 | $ 200,000 | $ 126,000 |
| Osceola County Florida | 2 | $ 417,000 | $ 208,000 | $ 233,000 |
| St. Johns County Florida | 2 | $ 383,000 | $ 191,000 | $ 139,000 |
| Newton County Georgia | 2 | $ 352,000 | $ 176,000 | $ 75,000 |
| Rockdale County Georgia | 2 | $ 292,000 | $ 146,000 | $ 79,000 |
| Buncombe County North Carolina | 2 | $ 199,000 | $ 99,000 | $ 46,000 |
| Mecklenburg County North Carolina | 2 | $ 333,000 | $ 166,000 | $ 79,000 |
| Allegheny County Pennsylvania | 2 | $ 368,000 | $ 184,000 | $ 65,000 |
| Loudoun County Virginia | 2 | $ 845,000 | $ 422,000 | $ 191,000 |
| Baldwin County Alabama | 1 | $ 46,000 | $ 46,000 | $ 47,000 |
| Tallapoosa County Alabama | 1 | $ 135,000 | $ 135,000 | $ 85,000 |
| Maricopa County Arizona | 1 | $ 138,000 | $ 138,000 | $ 65,000 |
| San Mateo County California | 1 | $ 650,000 | $ 650,000 | $ 275,000 |
| Santa Clara County California | 1 | $ 164,000 | $ 164,000 | $ 289,000 |
| Boulder County Colorado | 1 | $ 247,000 | $ 247,000 | $ 202,000 |
| New London County Connecticut | 1 | $ 205,000 | $ 205,000 | $ 158,000 |
| District of Columbia County District Of Columbia | 1 | $ 150,000 | $ 150,000 | $ 30,000 |
| Leon County Florida | 1 | $ 98,000 | $ 98,000 | $ 115,000 |
| Monroe County Florida | 1 | $ 117,000 | $ 117,000 | $ 78,000 |
| Okeechobee County Florida | 1 | $ 100,000 | $ 100,000 | $ 48,000 |
| Seminole County Florida | 1 | $ 77,000 | $ 77,000 | $ 112,000 |
| Walton County Florida | 1 | $ 120,000 | $ 120,000 | $ 90,000 |
| Banks County Georgia | 1 | $ 104,000 | $ 104,000 | $ 63,000 |
| Barrow County Georgia | 1 | $ 90,000 | $ 90,000 | $ 46,000 |
| Chatham County Georgia | 1 | $ 392,000 | $ 392,000 | $ 209,000 |
| Coweta County Georgia | 1 | $ 86,000 | $ 86,000 | $ 29,000 |
| Gilmer County Georgia | 1 | $ 132,000 | $ 132,000 | $ 110,000 |
| Glynn County Georgia | 1 | $ 120,000 | $ 120,000 | $ 34,000 |
| Haralson County Georgia | 1 | $ 69,000 | $ 69,000 | $ 21,000 |
| Putnam County Georgia | 1 | $ 220,000 | $ 220,000 | $ 48,000 |
| Towns County Georgia | 1 | $ 62,000 | $ 62,000 | $ 54,000 |
| Troup County Georgia | 1 | $ 86,000 | $ 86,000 | $ 144,000 |
| Cook County Illinois | 1 | $ 237,000 | $ 237,000 | $ 112,000 |
| Boone County Kentucky | 1 | $ 323,000 | $ 323,000 | $ 199,000 |
| Fayette County Kentucky | 1 | $ 138,000 | $ 138,000 | $ 139,000 |
| St. Bernard County Louisiana | 1 | $ 130,000 | $ 130,000 | $ 47,000 |
| Sagadahoc County Maine | 1 | $ 204,000 | $ 204,000 | $ 103,000 |
| Howard County Maryland | 1 | $ 365,000 | $ 365,000 | $ 142,000 |
| Prince George's County Maryland | 1 | $ 39,000 | $ 39,000 | $ 85,000 |
| Tate County Mississippi | 1 | $ 128,000 | $ 128,000 | $ 86,000 |
| Cole County Missouri | 1 | $ 145,000 | $ 145,000 | $ 118,000 |
| St. Louis County Missouri | 1 | $ 68,000 | $ 68,000 | $ 42,000 |
| Essex County New Jersey | 1 | $ 117,000 | $ 117,000 | $ 60,000 |
| Monmouth County New Jersey | 1 | $ 125,000 | $ 125,000 | $ 75,000 |
| Morris County New Jersey | 1 | $ 113,000 | $ 113,000 | $ 70,000 |
| New York County New York | 1 | $ 20,000 | $ 20,000 | $ 30,000 |
| Suffolk County New York | 1 | $ 90,000 | $ 90,000 | $ 45,000 |
| Ulster County New York | 1 | $ 145,000 | $ 145,000 | $ 80,000 |
| Cabarrus County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 104,000 |
| Cherokee County North Carolina | 1 | $ 108,000 | $ 108,000 | $ 161,000 |
| Jackson County North Carolina | 1 | $ 58,000 | $ 58,000 | $ 42,000 |
| Macon County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 283,000 |
| Pitt County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 99,000 |
| Mahoning County Ohio | 1 | $ 40,000 | $ 40,000 | $ 51,000 |
| Oklahoma County Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 14,000 |
| Multnomah County Oregon | 1 | $ 53,000 | $ 53,000 | $ 44,000 |
| Berks County Pennsylvania | 1 | $ 32,000 | $ 32,000 | $ 29,000 |
| Delaware County Pennsylvania | 1 | $ 37,000 | $ 37,000 | $ 95,000 |
| Monroe County Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 64,000 |
| Georgetown County South Carolina | 1 | $ 148,000 | $ 148,000 | $ 99,000 |
| Horry County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 86,000 |
| Hamilton County Tennessee | 1 | $ 59,000 | $ 59,000 | $ 197,000 |
| Robertson County Tennessee | 1 | $ 61,000 | $ 61,000 | $ 38,000 |
| Sevier County Tennessee | 1 | $ 45,000 | $ 45,000 | $ 47,000 |
| Shelby County Tennessee | 1 | $ 174,000 | $ 174,000 | $ 90,000 |
| Williamson County Tennessee | 1 | $ 213,000 | $ 213,000 | $ 122,000 |
| Collin County Texas | 1 | $ 74,000 | $ 74,000 | $ 48,000 |
| Dallas County Texas | 1 | $ 180,000 | $ 180,000 | $ 100,000 |
| Prince William County Virginia | 1 | $ 100,000 | $ 100,000 | $ 22,000 |
| Washington County Virginia | 1 | $ 105,000 | $ 105,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for Ibm Southeast Emp Credit Union in 2003
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 (home purchase or home improvement, one-to-four family) | 973 | $134,775,000 | $139,588 | $544,000 | $83,588 | $763,000 |
| Home Purchase (one-to-four family) | 283 | $43,944,000 | $171,850 | $650,000 | $110,350 | $289,000 |
| Home Improvement (one-to-four family) | 91 | $3,237,000 | $32,250 | $150,000 | $64,750 | $270,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 1 | $250,000 | $250,000 | $250,000 | $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 | 945 | $130,149,000 | $146,714 | $590,000 | $92,333 | $763,000 |
| Black | 120 | $17,782,000 | $123,000 | $463,000 | $75,700 | $232,000 |
| Information not provided by applicant in mail or telephone application | 109 | $9,998,000 | $174,500 | $650,000 | $97,500 | $275,000 |
| Hispanic | 106 | $14,748,000 | $158,000 | $323,000 | $133,428 | $289,000 |
| Asian or Pacific Islander | 43 | $6,123,000 | $131,250 | $650,000 | $92,000 | $248,000 |
| American Indian or Alaskan Native | 17 | $2,225,000 | $140,333 | $238,000 | $81,000 | $215,000 |
| Other | 8 | $1,181,000 | $157,500 | $200,000 | $67,500 | $120,000 |
| 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) | 1,344 | $181,854,000 | $151,200 | $650,000 | $97,560 | $763,000 |
| VA-guaranteed (Veterans Administration) | 3 | $224,000 | $74,000 | $139,000 | $125,000 | $232,000 |
| FHA-insured (Federal Housing Administration) | 1 | $128,000 | $128,000 | $128,000 | $86,000 | $86,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,072 | $144,439,000 | $133,619 | $650,000 | $83,380 | $763,000 |
| Application Withdrawn By Applicant | 222 | $31,377,000 | $161,769 | $650,000 | $113,307 | $289,000 |
| Application Denied By Financial Institution | 53 | $6,325,000 | $116,000 | $410,000 | $64,800 | $188,000 |
| File Closed For Incompleteness | 1 | $65,000 | $65,000 | $65,000 | $164,000 | $164,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | $1,535,000 | $116,666 | $322,000 | $36,666 | $101,000 |
| Credit History | 10 | $424,000 | $37,000 | $210,000 | $64,500 | $188,000 |
| Other | 6 | $866,000 | $144,000 | $276,000 | $79,000 | $139,000 |
| Collateral | 2 | $176,000 | $88,000 | $140,000 | $53,000 | $63,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $163,000 | $163,000 | $163,000 | $38,000 | $38,000 |
| 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 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ibm Southeast Emp Credit Union's 2003 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 Ibm Southeast Emp Credit Union'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.
For a list of all lenders in Florida, download the full spreadsheet
with aggregated HMDA statistics today.