Ibm Southeast Emp Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Ibm Southeast Emp Credit Union 2004 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 | 1,224 |
| Total Mortgage Loan Application Amount | $113,683,000 |
| Average Mortgage Loan Application Amount | $126,981 |
| Highest Mortgage Loan Application Amount | $536,000 |
| Average Applicant Income | $106,207 |
| Highest Applicant Income | $1,045,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 379 | $ 38,330,000 | $ 101,000 | $ 71,000 |
| Broward County Florida | 170 | $ 14,433,000 | $ 84,000 | $ 67,000 |
| Cobb County Georgia | 161 | $ 12,516,000 | $ 77,000 | $ 84,000 |
| Hillsborough County Florida | 72 | $ 4,607,000 | $ 63,000 | $ 73,000 |
| Fulton County Georgia | 56 | $ 5,352,000 | $ 95,000 | $ 89,000 |
| DeKalb County Georgia | 40 | $ 4,082,000 | $ 102,000 | $ 66,000 |
| Pinellas County Florida | 29 | $ 2,813,000 | $ 97,000 | $ 78,000 |
| Cherokee County Georgia | 29 | $ 2,870,000 | $ 98,000 | $ 94,000 |
| Gwinnett County Georgia | 24 | $ 1,937,000 | $ 80,000 | $ 85,000 |
| St. Lucie County Florida | 18 | $ 1,790,000 | $ 99,000 | $ 85,000 |
| Miami-Dade County Florida | 16 | $ 2,239,000 | $ 139,000 | $ 103,000 |
| Orange County Florida | 15 | $ 1,771,000 | $ 118,000 | $ 90,000 |
| Paulding County Georgia | 10 | $ 607,000 | $ 60,000 | $ 57,000 |
| Forsyth County Georgia | 8 | $ 736,000 | $ 92,000 | $ 109,000 |
| Pasco County Florida | 7 | $ 733,000 | $ 104,000 | $ 75,000 |
| Lee County Florida | 5 | $ 160,000 | $ 32,000 | $ 65,000 |
| Collier County Florida | 4 | $ 490,000 | $ 122,000 | $ 91,000 |
| Clayton County Georgia | 4 | $ 151,000 | $ 37,000 | $ 65,000 |
| Dawson County Georgia | 4 | $ 278,000 | $ 69,000 | $ 57,000 |
| Henrico County Virginia | 4 | $ 488,000 | $ 122,000 | $ 93,000 |
| Riverside County California | 3 | $ 134,000 | $ 44,000 | $ 77,000 |
| Hartford County Connecticut | 3 | $ 375,000 | $ 125,000 | $ 150,000 |
| Alachua County Florida | 3 | $ 200,000 | $ 66,000 | $ 37,000 |
| Clay County Florida | 3 | $ 230,000 | $ 76,000 | $ 103,000 |
| Lake County Florida | 3 | $ 254,000 | $ 84,000 | $ 37,000 |
| Leon County Florida | 3 | $ 234,000 | $ 78,000 | $ 75,000 |
| Manatee County Florida | 3 | $ 406,000 | $ 135,000 | $ 76,000 |
| Marion County Florida | 3 | $ 240,000 | $ 80,000 | $ 22,000 |
| Martin County Florida | 3 | $ 185,000 | $ 61,000 | $ 114,000 |
| Osceola County Florida | 3 | $ 319,000 | $ 106,000 | $ 119,000 |
| Sarasota County Florida | 3 | $ 206,000 | $ 68,000 | $ 53,000 |
| Seminole County Florida | 3 | $ 254,000 | $ 84,000 | $ 79,000 |
| Volusia County Florida | 3 | $ 225,000 | $ 75,000 | $ 28,000 |
| Coweta County Georgia | 3 | $ 235,000 | $ 78,000 | $ 54,000 |
| Douglas County Georgia | 3 | $ 212,000 | $ 70,000 | $ 70,000 |
| Henry County Georgia | 3 | $ 396,000 | $ 132,000 | $ 91,000 |
| Meriwether County Georgia | 3 | $ 225,000 | $ 75,000 | $ 65,000 |
| Wake County North Carolina | 3 | $ 226,000 | $ 75,000 | $ 92,000 |
| Madison County Alabama | 2 | $ 151,000 | $ 75,000 | $ 70,000 |
| Brevard County Florida | 2 | $ 130,000 | $ 65,000 | $ 80,000 |
| Hernando County Florida | 2 | $ 115,000 | $ 57,000 | $ 66,000 |
| Jackson County Florida | 2 | $ 85,000 | $ 42,000 | $ 90,000 |
| Suwannee County Florida | 2 | $ 40,000 | $ 20,000 | $ 82,000 |
| Putnam County Georgia | 2 | $ 272,000 | $ 136,000 | $ 108,000 |
| Walton County Georgia | 2 | $ 405,000 | $ 202,000 | $ 75,000 |
| Prince George's County Maryland | 2 | $ 140,000 | $ 70,000 | $ 51,000 |
| Nassau County New York | 2 | $ 279,000 | $ 139,000 | $ 92,000 |
| Cabarrus County North Carolina | 2 | $ 283,000 | $ 141,000 | $ 65,000 |
| Hamilton County Ohio | 2 | $ 243,000 | $ 121,000 | $ 90,000 |
| Chester County Pennsylvania | 2 | $ 509,000 | $ 254,000 | $ 154,000 |
| Maury County Tennessee | 2 | $ 176,000 | $ 88,000 | $ 60,000 |
| Bexar County Texas | 2 | $ 321,000 | $ 160,000 | $ 113,000 |
| Travis County Texas | 2 | $ 222,000 | $ 111,000 | $ 106,000 |
| Williamson County Texas | 2 | $ 276,000 | $ 138,000 | $ 70,000 |
| Baldwin County Alabama | 1 | $ 38,000 | $ 38,000 | $ 98,000 |
| Chilton County Alabama | 1 | $ 85,000 | $ 85,000 | $ 66,000 |
| Maricopa County Arizona | 1 | $ 203,000 | $ 203,000 | $ 77,000 |
| Los Angeles County California | 1 | $ 100,000 | $ 100,000 | $ 144,000 |
| San Diego County California | 1 | $ 75,000 | $ 75,000 | $ 171,000 |
| Adams County Colorado | 1 | $ 279,000 | $ 279,000 | $ 95,000 |
| Litchfield County Connecticut | 1 | $ 240,000 | $ 240,000 | $ 130,000 |
| Charlotte County Florida | 1 | $ 89,000 | $ 89,000 | $ 86,000 |
| Duval County Florida | 1 | $ 149,000 | $ 149,000 | $ 59,000 |
| Escambia County Florida | 1 | $ 8,000 | $ 8,000 | $ 43,000 |
| Flagler County Florida | 1 | $ 45,000 | $ 45,000 | $ 121,000 |
| Franklin County Florida | 1 | $ 124,000 | $ 124,000 | $ 57,000 |
| Highlands County Florida | 1 | $ 132,000 | $ 132,000 | $ 40,000 |
| Indian River County Florida | 1 | $ 63,000 | $ 63,000 | $ 186,000 |
| Monroe County Florida | 1 | $ 200,000 | $ 200,000 | $ 77,000 |
| Okaloosa County Florida | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Polk County Florida | 1 | $ 224,000 | $ 224,000 | $ 217,000 |
| Sumter County Florida | 1 | $ 100,000 | $ 100,000 | $ 49,000 |
| Walton County Florida | 1 | $ 50,000 | $ 50,000 | $ 58,000 |
| Appling County Georgia | 1 | $ 22,000 | $ 22,000 | $ 93,000 |
| Banks County Georgia | 1 | $ 30,000 | $ 30,000 | $ 80,000 |
| Chatham County Georgia | 1 | $ 40,000 | $ 40,000 | $ 95,000 |
| Clarke County Georgia | 1 | $ 176,000 | $ 176,000 | $ 98,000 |
| Columbia County Georgia | 1 | $ 66,000 | $ 66,000 | $ 41,000 |
| Fannin County Georgia | 1 | $ 86,000 | $ 86,000 | $ 77,000 |
| Floyd County Georgia | 1 | $ 20,000 | $ 20,000 | $ 87,000 |
| Gilmer County Georgia | 1 | $ 134,000 | $ 134,000 | $ 87,000 |
| Gordon County Georgia | 1 | $ 10,000 | $ 10,000 | $ 75,000 |
| Habersham County Georgia | 1 | $ 89,000 | $ 89,000 | $ 54,000 |
| Hall County Georgia | 1 | $ 39,000 | $ 39,000 | $ 90,000 |
| Haralson County Georgia | 1 | $ 10,000 | $ 10,000 | $ 49,000 |
| Morgan County Georgia | 1 | $ 75,000 | $ 75,000 | $ 58,000 |
| Muscogee County Georgia | 1 | $ 133,000 | $ 133,000 | $ 84,000 |
| Newton County Georgia | 1 | $ 20,000 | $ 20,000 | $ 31,000 |
| Oconee County Georgia | 1 | $ 100,000 | $ 100,000 | $ 58,000 |
| Pickens County Georgia | 1 | $ 92,000 | $ 92,000 | $ 31,000 |
| Towns County Georgia | 1 | $ 30,000 | $ 30,000 | $ 46,000 |
| Cook County Illinois | 1 | $ 60,000 | $ 60,000 | $ 161,000 |
| Lake County Illinois | 1 | $ 20,000 | $ 20,000 | $ 45,000 |
| Hamilton County Indiana | 1 | $ 15,000 | $ 15,000 | $ 52,000 |
| Jefferson County Kentucky | 1 | $ 137,000 | $ 137,000 | $ 108,000 |
| De Soto County Louisiana | 1 | $ 86,000 | $ 86,000 | $ 86,000 |
| Franklin County Maine | 1 | $ 162,000 | $ 162,000 | $ 53,000 |
| Frederick County Maryland | 1 | $ 306,000 | $ 306,000 | $ 151,000 |
| Howard County Maryland | 1 | $ 125,000 | $ 125,000 | $ 109,000 |
| Suffolk County Massachusetts | 1 | $ 304,000 | $ 304,000 | $ 246,000 |
| Genesee County Michigan | 1 | $ 54,000 | $ 54,000 | $ 36,000 |
| Copiah County Mississippi | 1 | $ 90,000 | $ 90,000 | $ 179,000 |
| Stillwater County Montana | 1 | $ 50,000 | $ 50,000 | $ 20,000 |
| Clark County Nevada | 1 | $ 29,000 | $ 29,000 | $ 105,000 |
| Camden County New Jersey | 1 | $ 122,000 | $ 122,000 | $ 32,000 |
| Mercer County New Jersey | 1 | $ 118,000 | $ 118,000 | $ 102,000 |
| Middlesex County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 93,000 |
| Morris County New Jersey | 1 | $ 332,000 | $ 332,000 | $ 223,000 |
| Ulster County New York | 1 | $ 30,000 | $ 30,000 | $ 81,000 |
| Westchester County New York | 1 | $ 200,000 | $ 200,000 | $ 85,000 |
| Halifax County North Carolina | 1 | $ 94,000 | $ 94,000 | $ 25,000 |
| Macon County North Carolina | 1 | $ 228,000 | $ 228,000 | $ 147,000 |
| Mecklenburg County North Carolina | 1 | $ 202,000 | $ 202,000 | $ 97,000 |
| Lucas County Ohio | 1 | $ 87,000 | $ 87,000 | $ 23,000 |
| Oklahoma County Oklahoma | 1 | $ 286,000 | $ 286,000 | $ 167,000 |
| Clackamas County Oregon | 1 | $ 30,000 | $ 30,000 | $ 77,000 |
| Multnomah County Oregon | 1 | $ 180,000 | $ 180,000 | $ 89,000 |
| Montgomery County Pennsylvania | 1 | $ 201,000 | $ 201,000 | $ 85,000 |
| Wayne County Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 38,000 |
| Providence County Rhode Island | 1 | $ 100,000 | $ 100,000 | $ 218,000 |
| Beaufort County South Carolina | 1 | $ 288,000 | $ 288,000 | $ 242,000 |
| Charleston County South Carolina | 1 | $ 15,000 | $ 15,000 | $ 21,000 |
| Horry County South Carolina | 1 | $ 30,000 | $ 30,000 | $ 47,000 |
| Bradley County Tennessee | 1 | $ 45,000 | $ 45,000 | $ 98,000 |
| Coffee County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 90,000 |
| Tarrant County Texas | 1 | $ 252,000 | $ 252,000 | $ 84,000 |
| Loudoun County Virginia | 1 | $ 45,000 | $ 45,000 | $ 414,000 |
| Lynchburg County Virginia | 1 | $ 140,000 | $ 140,000 | $ 29,000 |
| Newport News County Virginia | 1 | $ 13,000 | $ 13,000 | $ 52,000 |
| Petersburg County Virginia | 1 | $ 75,000 | $ 75,000 | $ 185,000 |
| Westmoreland County Virginia | 1 | $ 66,000 | $ 66,000 | $ 115,000 |
| Island County Washington | 1 | $ 8,000 | $ 8,000 | $ 54,000 |
| King County Washington | 1 | $ 100,000 | $ 100,000 | $ 108,000 |
| Pierce County Washington | 1 | $ 66,000 | $ 66,000 | $ 333,000 |
| Mercer County West Virginia | 1 | $ 150,000 | $ 150,000 | $ 133,000 |
| Portage County Wisconsin | 1 | $ 150,000 | $ 150,000 | $ 80,000 |
Mortgage Loan Application Detail Totals for Ibm Southeast Emp Credit Union in 2004
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 Improvement | 662 | $28,663,000 | $41,550 | $250,000 | $98,950 | $1,045,000 |
| Refinancing | 314 | $43,969,000 | $168,000 | $469,000 | $102,833 | $300,000 |
| Home Purchase | 248 | $41,051,000 | $184,904 | $536,000 | $115,047 | $715,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 517 | $29,219,000 | $65,818 | $374,000 | $107,863 | $1,045,000 |
| White | 499 | $59,888,000 | $167,083 | $536,000 | $112,000 | $415,000 |
| Black or African American | 106 | $10,955,000 | $78,428 | $355,000 | $54,857 | $185,000 |
| Hispanic | 70 | $9,576,000 | $157,000 | $443,000 | $96,400 | $300,000 |
| Asian | 26 | $3,501,000 | $118,000 | $303,000 | $89,500 | $715,000 |
| American Indian or Alaskan Native | 6 | $544,000 | $94,000 | $202,000 | $77,000 | $97,000 |
| 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) | 1,195 | $112,424,000 | $131,363 | $536,000 | $106,272 | $1,045,000 |
| FHA-insured (Federal Housing Administration) | 28 | $1,229,000 | $50,250 | $150,000 | $71,750 | $190,000 |
| VA-guaranteed (Veterans Administration) | 1 | $30,000 | $30,000 | $30,000 | $85,000 | $85,000 |
| 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 | 1,044 | $92,291,000 | $125,961 | $536,000 | $108,692 | $1,045,000 |
| Application Withdrawn By Applicant | 111 | $14,253,000 | $114,909 | $374,000 | $95,363 | $715,000 |
| Application Denied By Financial Institution | 67 | $6,789,000 | $116,000 | $355,000 | $76,000 | $179,000 |
| File Closed For Incompleteness | 1 | $55,000 | $55,000 | $55,000 | $48,000 | $48,000 |
| Preapproval Denied by Financial Institution | 1 | $295,000 | $295,000 | $295,000 | $135,000 | $135,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 38 | $4,497,000 | $159,166 | $355,000 | $99,000 | $179,000 |
| Debt-To-Income Ratio | 15 | $1,039,000 | $61,666 | $150,000 | $41,000 | $100,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,222,000 | $136,000 | $282,000 | $59,000 | $118,000 |
| Other | 3 | $152,000 | $50,000 | $90,000 | $58,000 | $103,000 |
| Mortgage Insurance Denied | 2 | $39,000 | $19,500 | $26,000 | $75,500 | $116,000 |
| Unverifiable Information | 1 | $123,000 | $123,000 | $123,000 | $59,000 | $59,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ibm Southeast Emp Credit Union's 2004 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.