Ibm Southeast Emp Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Ibm Southeast Emp Credit Union 2005 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 | 1,749 |
| Total Mortgage Loan Application Amount | $170,747,000 |
| Average Mortgage Loan Application Amount | $119,462 |
| Highest Mortgage Loan Application Amount | $1,160,000 |
| Average Applicant Income | $92,238 |
| Highest Applicant Income | $1,029,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 566 | $ 55,005,000 | $ 97,000 | $ 72,000 |
| Broward County Florida | 285 | $ 29,057,000 | $ 101,000 | $ 64,000 |
| Cobb County Georgia | 200 | $ 15,536,000 | $ 77,000 | $ 84,000 |
| Hillsborough County Florida | 84 | $ 7,562,000 | $ 90,000 | $ 98,000 |
| Fulton County Georgia | 74 | $ 7,359,000 | $ 99,000 | $ 80,000 |
| DeKalb County Georgia | 45 | $ 4,462,000 | $ 99,000 | $ 92,000 |
| Cherokee County Georgia | 39 | $ 3,826,000 | $ 98,000 | $ 74,000 |
| St. Lucie County Florida | 35 | $ 4,048,000 | $ 115,000 | $ 75,000 |
| Gwinnett County Georgia | 32 | $ 3,383,000 | $ 105,000 | $ 83,000 |
| Pinellas County Florida | 30 | $ 2,052,000 | $ 68,000 | $ 104,000 |
| Miami-Dade County Florida | 24 | $ 2,210,000 | $ 92,000 | $ 77,000 |
| Pasco County Florida | 16 | $ 1,628,000 | $ 101,000 | $ 104,000 |
| Martin County Florida | 15 | $ 1,222,000 | $ 81,000 | $ 59,000 |
| Paulding County Georgia | 14 | $ 1,346,000 | $ 96,000 | $ 66,000 |
| Forsyth County Georgia | 12 | $ 1,487,000 | $ 123,000 | $ 77,000 |
| Lee County Florida | 9 | $ 1,146,000 | $ 127,000 | $ 96,000 |
| Clayton County Georgia | 9 | $ 561,000 | $ 62,000 | $ 46,000 |
| Orange County Florida | 8 | $ 732,000 | $ 91,000 | $ 101,000 |
| Bartow County Georgia | 8 | $ 312,000 | $ 39,000 | $ 62,000 |
| Lake County Florida | 7 | $ 775,000 | $ 110,000 | $ 63,000 |
| Seminole County Florida | 7 | $ 787,000 | $ 112,000 | $ 79,000 |
| Duval County Florida | 6 | $ 337,000 | $ 56,000 | $ 51,000 |
| Indian River County Florida | 6 | $ 903,000 | $ 150,000 | $ 72,000 |
| Volusia County Florida | 6 | $ 835,000 | $ 139,000 | $ 57,000 |
| Brevard County Florida | 5 | $ 531,000 | $ 106,000 | $ 245,000 |
| Leon County Florida | 5 | $ 551,000 | $ 110,000 | $ 97,000 |
| Sarasota County Florida | 5 | $ 1,170,000 | $ 234,000 | $ 81,000 |
| Douglas County Georgia | 5 | $ 218,000 | $ 43,000 | $ 39,000 |
| Highlands County Florida | 4 | $ 301,000 | $ 75,000 | $ 93,000 |
| Manatee County Florida | 4 | $ 1,192,000 | $ 298,000 | $ 124,000 |
| Fayette County Georgia | 4 | $ 601,000 | $ 150,000 | $ 79,000 |
| Suffolk County New York | 4 | $ 1,060,000 | $ 265,000 | $ 98,000 |
| Wake County North Carolina | 4 | $ 237,000 | $ 59,000 | $ 114,000 |
| Baldwin County Alabama | 3 | $ 476,000 | $ 158,000 | $ 74,000 |
| Riverside County California | 3 | $ 215,000 | $ 71,000 | $ 65,000 |
| Collier County Florida | 3 | $ 602,000 | $ 200,000 | $ 84,000 |
| Flagler County Florida | 3 | $ 383,000 | $ 127,000 | $ 75,000 |
| Hernando County Florida | 3 | $ 60,000 | $ 20,000 | $ 40,000 |
| Monroe County Florida | 3 | $ 1,593,000 | $ 531,000 | $ 263,000 |
| Henry County Georgia | 3 | $ 302,000 | $ 100,000 | $ 80,000 |
| Muscogee County Georgia | 3 | $ 170,000 | $ 56,000 | $ 55,000 |
| Clark County Nevada | 3 | $ 493,000 | $ 164,000 | $ 42,000 |
| Mecklenburg County North Carolina | 3 | $ 489,000 | $ 163,000 | $ 121,000 |
| Chester County Pennsylvania | 3 | $ 244,000 | $ 81,000 | $ 78,000 |
| Northampton County Pennsylvania | 3 | $ 600,000 | $ 200,000 | $ 76,000 |
| Hamilton County Tennessee | 3 | $ 173,000 | $ 57,000 | $ 256,000 |
| District of Columbia County District Of Columbia | 2 | $ 550,000 | $ 275,000 | $ 170,000 |
| Alachua County Florida | 2 | $ 328,000 | $ 164,000 | $ 61,000 |
| Charlotte County Florida | 2 | $ 85,000 | $ 42,000 | $ 24,000 |
| Clay County Florida | 2 | $ 124,000 | $ 62,000 | $ 59,000 |
| Marion County Florida | 2 | $ 413,000 | $ 206,000 | $ 80,000 |
| Osceola County Florida | 2 | $ 174,000 | $ 87,000 | $ 69,000 |
| Polk County Florida | 2 | $ 82,000 | $ 41,000 | $ 79,000 |
| Sumter County Florida | 2 | $ 273,000 | $ 136,000 | $ 52,000 |
| Walton County Florida | 2 | $ 144,000 | $ 72,000 | $ 62,000 |
| Chatham County Georgia | 2 | $ 245,000 | $ 122,000 | $ 76,000 |
| Hall County Georgia | 2 | $ 355,000 | $ 177,000 | $ 81,000 |
| Pickens County Georgia | 2 | $ 437,000 | $ 218,000 | $ 185,000 |
| Rockdale County Georgia | 2 | $ 20,000 | $ 10,000 | $ 42,000 |
| White County Georgia | 2 | $ 205,000 | $ 102,000 | $ 30,000 |
| Bonner County Idaho | 2 | $ 451,000 | $ 225,000 | $ 154,000 |
| Cook County Illinois | 2 | $ 263,000 | $ 131,000 | $ 73,000 |
| Franklin County Missouri | 2 | $ 210,000 | $ 105,000 | $ 156,000 |
| Cabarrus County North Carolina | 2 | $ 205,000 | $ 102,000 | $ 80,000 |
| Durham County North Carolina | 2 | $ 277,000 | $ 138,000 | $ 110,000 |
| Berks County Pennsylvania | 2 | $ 36,000 | $ 18,000 | $ 109,000 |
| Beaufort County South Carolina | 2 | $ 166,000 | $ 83,000 | $ 47,000 |
| Richland County South Carolina | 2 | $ 106,000 | $ 53,000 | $ 28,000 |
| Davidson County Tennessee | 2 | $ 144,000 | $ 72,000 | $ 55,000 |
| Loudoun County Virginia | 2 | $ 275,000 | $ 137,000 | $ 57,000 |
| Cherokee County Alabama | 1 | $ 30,000 | $ 30,000 | $ 27,000 |
| Jefferson County Alabama | 1 | $ 10,000 | $ 10,000 | $ 76,000 |
| Shelby County Alabama | 1 | $ 164,000 | $ 164,000 | $ 52,000 |
| Maricopa County Arizona | 1 | $ 205,000 | $ 205,000 | $ 52,000 |
| Los Angeles County California | 1 | $ 100,000 | $ 100,000 | $ 155,000 |
| Monterey County California | 1 | $ 30,000 | $ 30,000 | $ 102,000 |
| Arapahoe County Colorado | 1 | $ 60,000 | $ 60,000 | $ 78,000 |
| Broomfield County Colorado | 1 | $ 75,000 | $ 75,000 | $ 144,000 |
| Denver County Colorado | 1 | $ 163,000 | $ 163,000 | $ 158,000 |
| El Paso County Colorado | 1 | $ 55,000 | $ 55,000 | $ 68,000 |
| Hartford County Connecticut | 1 | $ 52,000 | $ 52,000 | $ 101,000 |
| Litchfield County Connecticut | 1 | $ 100,000 | $ 100,000 | $ 133,000 |
| New Haven County Connecticut | 1 | $ 40,000 | $ 40,000 | $ 156,000 |
| Citrus County Florida | 1 | $ 25,000 | $ 25,000 | $ 110,000 |
| Columbia County Florida | 1 | $ 160,000 | $ 160,000 | $ 102,000 |
| Okaloosa County Florida | 1 | $ 100,000 | $ 100,000 | $ 110,000 |
| Putnam County Florida | 1 | $ 40,000 | $ 40,000 | $ 99,000 |
| Camden County Georgia | 1 | $ 148,000 | $ 148,000 | $ 61,000 |
| Carroll County Georgia | 1 | $ 50,000 | $ 50,000 | $ 104,000 |
| Coweta County Georgia | 1 | $ 35,000 | $ 35,000 | $ 22,000 |
| Fannin County Georgia | 1 | $ 138,000 | $ 138,000 | $ 89,000 |
| Gilmer County Georgia | 1 | $ 25,000 | $ 25,000 | $ 19,000 |
| Gordon County Georgia | 1 | $ 80,000 | $ 80,000 | $ 58,000 |
| Greene County Georgia | 1 | $ 100,000 | $ 100,000 | $ 201,000 |
| Haralson County Georgia | 1 | $ 20,000 | $ 20,000 | $ 30,000 |
| Newton County Georgia | 1 | $ 16,000 | $ 16,000 | $ 75,000 |
| Polk County Georgia | 1 | $ 113,000 | $ 113,000 | $ 145,000 |
| Stephens County Georgia | 1 | $ 55,000 | $ 55,000 | $ 63,000 |
| Troup County Georgia | 1 | $ 128,000 | $ 128,000 | $ 149,000 |
| Will County Illinois | 1 | $ 33,000 | $ 33,000 | $ 144,000 |
| Monroe County Indiana | 1 | $ 53,000 | $ 53,000 | $ 14,000 |
| Noble County Indiana | 1 | $ 51,000 | $ 51,000 | $ 74,000 |
| Johnson County Kansas | 1 | $ 40,000 | $ 40,000 | $ 108,000 |
| Martin County Kentucky | 1 | $ 97,000 | $ 97,000 | $ 51,000 |
| Caroline County Maryland | 1 | $ 135,000 | $ 135,000 | $ 35,000 |
| Frederick County Maryland | 1 | $ 29,000 | $ 29,000 | $ 106,000 |
| Prince George's County Maryland | 1 | $ 60,000 | $ 60,000 | $ 64,000 |
| Oakland County Michigan | 1 | $ 142,000 | $ 142,000 | $ 216,000 |
| Anoka County Minnesota | 1 | $ 40,000 | $ 40,000 | $ 94,000 |
| Hinds County Mississippi | 1 | $ 21,000 | $ 21,000 | $ 94,000 |
| Lowndes County Mississippi | 1 | $ 81,000 | $ 81,000 | $ 74,000 |
| Rankin County Mississippi | 1 | $ 15,000 | $ 15,000 | $ 52,000 |
| Stillwater County Montana | 1 | $ 100,000 | $ 100,000 | $ 43,000 |
| Rockingham County New Hampshire | 1 | $ 150,000 | $ 150,000 | $ 114,000 |
| Bergen County New Jersey | 1 | $ 38,000 | $ 38,000 | $ 78,000 |
| Essex County New Jersey | 1 | $ 247,000 | $ 247,000 | $ 127,000 |
| Mercer County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 132,000 |
| Bronx County New York | 1 | $ 51,000 | $ 51,000 | $ 76,000 |
| Cattaraugus County New York | 1 | $ 70,000 | $ 70,000 | $ 50,000 |
| Nassau County New York | 1 | $ 40,000 | $ 40,000 | $ 62,000 |
| Rensselaer County New York | 1 | $ 87,000 | $ 87,000 | $ 47,000 |
| Richmond County New York | 1 | $ 20,000 | $ 20,000 | $ 54,000 |
| Ulster County New York | 1 | $ 100,000 | $ 100,000 | $ 52,000 |
| Forsyth County North Carolina | 1 | $ 30,000 | $ 30,000 | $ 47,000 |
| Franklin County North Carolina | 1 | $ 160,000 | $ 160,000 | $ 72,000 |
| Guilford County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 23,000 |
| Moore County North Carolina | 1 | $ 36,000 | $ 36,000 | $ 70,000 |
| New Hanover County North Carolina | 1 | $ 176,000 | $ 176,000 | $ 143,000 |
| Cuyahoga County Ohio | 1 | $ 134,000 | $ 134,000 | $ 60,000 |
| Franklin County Ohio | 1 | $ 25,000 | $ 25,000 | $ 116,000 |
| Hamilton County Ohio | 1 | $ 15,000 | $ 15,000 | $ 98,000 |
| Lucas County Ohio | 1 | $ 30,000 | $ 30,000 | $ 37,000 |
| Washington County Oregon | 1 | $ 32,000 | $ 32,000 | $ 71,000 |
| Allegheny County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 38,000 |
| Dauphin County Pennsylvania | 1 | $ 18,000 | $ 18,000 | $ 66,000 |
| Lehigh County Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 84,000 |
| Berkeley County South Carolina | 1 | $ 108,000 | $ 108,000 | $ 112,000 |
| Horry County South Carolina | 1 | $ 123,000 | $ 123,000 | $ 86,000 |
| York County South Carolina | 1 | $ 35,000 | $ 35,000 | $ 128,000 |
| Knox County Tennessee | 1 | $ 20,000 | $ 20,000 | $ 53,000 |
| Putnam County Tennessee | 1 | $ 245,000 | $ 245,000 | $ 34,000 |
| Rutherford County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 51,000 |
| Sequatchie County Tennessee | 1 | $ 20,000 | $ 20,000 | $ 87,000 |
| Shelby County Tennessee | 1 | $ 40,000 | $ 40,000 | $ 155,000 |
| Washington County Tennessee | 1 | $ 140,000 | $ 140,000 | $ 59,000 |
| Williamson County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 118,000 |
| Harris County Texas | 1 | $ 204,000 | $ 204,000 | $ 87,000 |
| Williamson County Texas | 1 | $ 103,000 | $ 103,000 | $ 96,000 |
| Summit County Utah | 1 | $ 195,000 | $ 195,000 | $ 148,000 |
| Washington County Vermont | 1 | $ 150,000 | $ 150,000 | $ 89,000 |
| Bedford County Virginia | 1 | $ 100,000 | $ 100,000 | $ 145,000 |
| Prince William County Virginia | 1 | $ 25,000 | $ 25,000 | $ 41,000 |
| King County Washington | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| Milwaukee County Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 57,000 |
| Natrona County Wyoming | 1 | $ 166,000 | $ 166,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for Ibm Southeast Emp Credit Union in 2005
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 | 1,120 | $60,882,000 | $52,178 | $275,000 | $99,714 | $1,029,000 |
| Refinancing | 368 | $58,871,000 | $115,500 | $650,000 | $81,750 | $485,000 |
| Home Purchase | 261 | $50,994,000 | $204,130 | $1,160,000 | $90,434 | $483,000 |
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 | 960 | $103,301,000 | $123,485 | $1,160,000 | $87,457 | $485,000 |
| Not Provided | 373 | $22,105,000 | $63,214 | $343,000 | $110,928 | $1,029,000 |
| Black or African American | 222 | $23,198,000 | $72,750 | $553,000 | $73,000 | $245,000 |
| Hispanic | 127 | $13,080,000 | $150,833 | $359,000 | $56,666 | $238,000 |
| Asian | 62 | $8,392,000 | $129,333 | $650,000 | $93,666 | $223,000 |
| American Indian or Alaskan Native | 3 | $427,000 | $125,500 | $197,000 | $64,000 | $86,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $244,000 | $122,000 | $143,000 | $54,000 | $61,000 |
| 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) | 1,749 | $170,747,000 | $108,777 | $1,160,000 | $91,944 | $1,029,000 |
| 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 | 1,453 | $136,557,000 | $108,727 | $1,160,000 | $86,848 | $1,029,000 |
| Application Withdrawn By Applicant | 200 | $26,079,000 | $145,812 | $650,000 | $104,562 | $485,000 |
| Application Denied By Financial Institution | 96 | $8,111,000 | $70,000 | $352,000 | $62,500 | $499,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 53 | $4,775,000 | $93,250 | $352,000 | $65,500 | $499,000 |
| Debt-To-Income Ratio | 25 | $1,973,000 | $42,750 | $296,000 | $67,000 | $144,000 |
| Collateral | 9 | $451,000 | $43,666 | $165,000 | $50,333 | $166,000 |
| Mortgage Insurance Denied | 3 | $63,000 | $21,000 | $46,000 | $67,000 | $150,000 |
| Other | 2 | $140,000 | $70,000 | $100,000 | $75,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $659,000 | $329,000 | $343,000 | $129,000 | $157,000 |
| Unverifiable Information | 1 | $30,000 | $30,000 | $30,000 | $84,000 | $84,000 |
| Credit Application Incomplete | 1 | $20,000 | $20,000 | $20,000 | $63,000 | $63,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ibm Southeast Emp Credit Union's 2005 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.
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with aggregated HMDA statistics today.