Ibm Southeast Emp Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
Ibm Southeast Emp Credit Union 2006 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 | 1,298 |
| Total Mortgage Loan Application Amount | $125,176,000 |
| Average Mortgage Loan Application Amount | $153,000 |
| Highest Mortgage Loan Application Amount | $790,000 |
| Average Applicant Income | $85,333 |
| Highest Applicant Income | $1,051,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 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 2006 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 2006.
| 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 | 361 | $ 36,885,000 | $ 102,000 | $ 86,000 |
| Cobb County Georgia | 188 | $ 15,360,000 | $ 81,000 | $ 86,000 |
| Broward County Florida | 165 | $ 15,174,000 | $ 91,000 | $ 69,000 |
| Fulton County Georgia | 68 | $ 6,528,000 | $ 96,000 | $ 92,000 |
| Hillsborough County Florida | 49 | $ 4,572,000 | $ 93,000 | $ 85,000 |
| DeKalb County Georgia | 47 | $ 4,026,000 | $ 85,000 | $ 86,000 |
| Gwinnett County Georgia | 39 | $ 4,281,000 | $ 109,000 | $ 98,000 |
| Cherokee County Georgia | 32 | $ 2,305,000 | $ 72,000 | $ 84,000 |
| St. Lucie County Florida | 23 | $ 2,286,000 | $ 99,000 | $ 61,000 |
| Pinellas County Florida | 19 | $ 1,504,000 | $ 79,000 | $ 103,000 |
| Pasco County Florida | 14 | $ 1,182,000 | $ 84,000 | $ 66,000 |
| Paulding County Georgia | 14 | $ 1,408,000 | $ 100,000 | $ 78,000 |
| Miami-Dade County Florida | 13 | $ 1,329,000 | $ 102,000 | $ 101,000 |
| Henry County Georgia | 11 | $ 1,215,000 | $ 110,000 | $ 78,000 |
| Wake County North Carolina | 10 | $ 1,180,000 | $ 118,000 | $ 104,000 |
| Forsyth County Georgia | 9 | $ 1,092,000 | $ 121,000 | $ 120,000 |
| Orange County Florida | 8 | $ 819,000 | $ 102,000 | $ 110,000 |
| Clayton County Georgia | 7 | $ 319,000 | $ 45,000 | $ 47,000 |
| Douglas County Georgia | 6 | $ 236,000 | $ 39,000 | $ 64,000 |
| Rockdale County Georgia | 6 | $ 631,000 | $ 105,000 | $ 86,000 |
| Jefferson County Alabama | 5 | $ 362,000 | $ 72,000 | $ 70,000 |
| Lake County Florida | 5 | $ 657,000 | $ 131,000 | $ 106,000 |
| Lee County Florida | 5 | $ 559,000 | $ 111,000 | $ 98,000 |
| Marion County Florida | 5 | $ 679,000 | $ 135,000 | $ 100,000 |
| Martin County Florida | 5 | $ 1,088,000 | $ 217,000 | $ 92,000 |
| Mecklenburg County North Carolina | 5 | $ 560,000 | $ 112,000 | $ 118,000 |
| Collier County Florida | 4 | $ 527,000 | $ 131,000 | $ 76,000 |
| Polk County Florida | 4 | $ 321,000 | $ 80,000 | $ 70,000 |
| Seminole County Florida | 4 | $ 668,000 | $ 167,000 | $ 78,000 |
| Carroll County Georgia | 4 | $ 200,000 | $ 50,000 | $ 93,000 |
| Fayette County Georgia | 4 | $ 323,000 | $ 80,000 | $ 94,000 |
| Hall County Georgia | 4 | $ 266,000 | $ 66,000 | $ 86,000 |
| Harrison County Mississippi | 4 | $ 245,000 | $ 61,000 | $ 168,000 |
| Brevard County Florida | 3 | $ 293,000 | $ 97,000 | $ 68,000 |
| Charlotte County Florida | 3 | $ 180,000 | $ 60,000 | $ 43,000 |
| Duval County Florida | 3 | $ 316,000 | $ 105,000 | $ 71,000 |
| Volusia County Florida | 3 | $ 320,000 | $ 106,000 | $ 60,000 |
| Hamilton County Tennessee | 3 | $ 315,000 | $ 105,000 | $ 79,000 |
| Chesterfield County Virginia | 3 | $ 433,000 | $ 144,000 | $ 128,000 |
| Pima County Arizona | 2 | $ 179,000 | $ 89,000 | $ 123,000 |
| Los Angeles County California | 2 | $ 517,000 | $ 258,000 | $ 176,000 |
| Jefferson County Colorado | 2 | $ 55,000 | $ 27,000 | $ 134,000 |
| Kent County Delaware | 2 | $ 357,000 | $ 178,000 | $ 62,000 |
| Alachua County Florida | 2 | $ 74,000 | $ 37,000 | $ 88,000 |
| Hernando County Florida | 2 | $ 261,000 | $ 130,000 | $ 64,000 |
| Indian River County Florida | 2 | $ 89,000 | $ 44,000 | $ 55,000 |
| Leon County Florida | 2 | $ 112,000 | $ 56,000 | $ 79,000 |
| Levy County Florida | 2 | $ 268,000 | $ 134,000 | $ 133,000 |
| Manatee County Florida | 2 | $ 134,000 | $ 67,000 | $ 145,000 |
| Nassau County Florida | 2 | $ 410,000 | $ 205,000 | $ 133,000 |
| Sarasota County Florida | 2 | $ 473,000 | $ 236,000 | $ 62,000 |
| Barrow County Georgia | 2 | $ 121,000 | $ 60,000 | $ 39,000 |
| Bartow County Georgia | 2 | $ 47,000 | $ 23,000 | $ 83,000 |
| Chatham County Georgia | 2 | $ 360,000 | $ 180,000 | $ 97,000 |
| Coweta County Georgia | 2 | $ 305,000 | $ 152,000 | $ 85,000 |
| Floyd County Georgia | 2 | $ 81,000 | $ 40,000 | $ 33,000 |
| Glynn County Georgia | 2 | $ 925,000 | $ 462,000 | $ 131,000 |
| Harris County Georgia | 2 | $ 225,000 | $ 112,000 | $ 70,000 |
| Jackson County Georgia | 2 | $ 207,000 | $ 103,000 | $ 149,000 |
| Newton County Georgia | 2 | $ 81,000 | $ 40,000 | $ 46,000 |
| Cook County Illinois | 2 | $ 522,000 | $ 261,000 | $ 166,000 |
| Johnson County Kansas | 2 | $ 368,000 | $ 184,000 | $ 141,000 |
| Shawnee County Kansas | 2 | $ 167,000 | $ 83,000 | $ 165,000 |
| Middlesex County Massachusetts | 2 | $ 161,000 | $ 80,000 | $ 77,000 |
| Clark County Nevada | 2 | $ 100,000 | $ 50,000 | $ 96,000 |
| Bergen County New Jersey | 2 | $ 158,000 | $ 79,000 | $ 117,000 |
| Washington County Oregon | 2 | $ 230,000 | $ 115,000 | $ 83,000 |
| Northampton County Pennsylvania | 2 | $ 107,000 | $ 53,000 | $ 193,000 |
| Coffee County Tennessee | 2 | $ 118,000 | $ 59,000 | $ 30,000 |
| Davidson County Tennessee | 2 | $ 111,000 | $ 55,000 | $ 51,000 |
| Williamson County Texas | 2 | $ 233,000 | $ 116,000 | $ 97,000 |
| Bibb County Alabama | 1 | $ 25,000 | $ 25,000 | $ 43,000 |
| Cullman County Alabama | 1 | $ 105,000 | $ 105,000 | $ 40,000 |
| Mobile County Alabama | 1 | $ 20,000 | $ 20,000 | $ 81,000 |
| Maricopa County Arizona | 1 | $ 150,000 | $ 150,000 | $ 125,000 |
| Pinal County Arizona | 1 | $ 45,000 | $ 45,000 | $ 62,000 |
| Union County Arkansas | 1 | $ 32,000 | $ 32,000 | $ 62,000 |
| Orange County California | 1 | $ 50,000 | $ 50,000 | $ 57,000 |
| Riverside County California | 1 | $ 110,000 | $ 110,000 | $ 81,000 |
| San Diego County California | 1 | $ 50,000 | $ 50,000 | $ 64,000 |
| Fairfield County Connecticut | 1 | $ 70,000 | $ 70,000 | $ 151,000 |
| Hartford County Connecticut | 1 | $ 100,000 | $ 100,000 | $ 112,000 |
| Citrus County Florida | 1 | $ 144,000 | $ 144,000 | $ 54,000 |
| Clay County Florida | 1 | $ 60,000 | $ 60,000 | $ 100,000 |
| Flagler County Florida | 1 | $ 80,000 | $ 80,000 | $ 144,000 |
| Highlands County Florida | 1 | $ 55,000 | $ 55,000 | $ 193,000 |
| Putnam County Florida | 1 | $ 260,000 | $ 260,000 | $ 35,000 |
| Santa Rosa County Florida | 1 | $ 30,000 | $ 30,000 | $ 65,000 |
| Suwannee County Florida | 1 | $ 60,000 | $ 60,000 | $ 96,000 |
| Walton County Florida | 1 | $ 50,000 | $ 50,000 | $ 149,000 |
| Clarke County Georgia | 1 | $ 128,000 | $ 128,000 | $ 56,000 |
| Dougherty County Georgia | 1 | $ 30,000 | $ 30,000 | $ 77,000 |
| Gilmer County Georgia | 1 | $ 30,000 | $ 30,000 | $ 47,000 |
| Gordon County Georgia | 1 | $ 45,000 | $ 45,000 | $ 49,000 |
| Haralson County Georgia | 1 | $ 170,000 | $ 170,000 | $ 93,000 |
| Muscogee County Georgia | 1 | $ 22,000 | $ 22,000 | $ 94,000 |
| Pickens County Georgia | 1 | $ 195,000 | $ 195,000 | $ 76,000 |
| Union County Georgia | 1 | $ 60,000 | $ 60,000 | $ 60,000 |
| Upson County Georgia | 1 | $ 26,000 | $ 26,000 | $ 156,000 |
| Walton County Georgia | 1 | $ 25,000 | $ 25,000 | $ 82,000 |
| Bonner County Idaho | 1 | $ 49,000 | $ 49,000 | $ 125,000 |
| Carroll County Illinois | 1 | $ 16,000 | $ 16,000 | $ 36,000 |
| Jefferson County Kentucky | 1 | $ 555,000 | $ 555,000 | $ 250,000 |
| Jefferson County Louisiana | 1 | $ 100,000 | $ 100,000 | $ 42,000 |
| Livingston County Michigan | 1 | $ 10,000 | $ 10,000 | $ 50,000 |
| Macomb County Michigan | 1 | $ 71,000 | $ 71,000 | $ 86,000 |
| Hennepin County Minnesota | 1 | $ 70,000 | $ 70,000 | $ 74,000 |
| Madison County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 89,000 |
| Sanders County Montana | 1 | $ 50,000 | $ 50,000 | $ 80,000 |
| Cape May County New Jersey | 1 | $ 168,000 | $ 168,000 | $ 76,000 |
| Essex County New Jersey | 1 | $ 30,000 | $ 30,000 | $ 108,000 |
| Middlesex County New Jersey | 1 | $ 42,000 | $ 42,000 | $ 66,000 |
| Warren County New Jersey | 1 | $ 275,000 | $ 275,000 | $ 74,000 |
| Chaves County New Mexico | 1 | $ 102,000 | $ 102,000 | $ 118,000 |
| Broome County New York | 1 | $ 145,000 | $ 145,000 | $ 28,000 |
| Queens County New York | 1 | $ 75,000 | $ 75,000 | $ 24,000 |
| Suffolk County New York | 1 | $ 200,000 | $ 200,000 | $ 60,000 |
| Brunswick County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 46,000 |
| Cabarrus County North Carolina | 1 | $ 30,000 | $ 30,000 | $ 33,000 |
| Iredell County North Carolina | 1 | $ 52,000 | $ 52,000 | $ 100,000 |
| Lincoln County North Carolina | 1 | $ 324,000 | $ 324,000 | $ 133,000 |
| Lorain County Ohio | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Multnomah County Oregon | 1 | $ 150,000 | $ 150,000 | $ 70,000 |
| Philadelphia County Pennsylvania | 1 | $ 32,000 | $ 32,000 | $ 75,000 |
| Florence County South Carolina | 1 | $ 90,000 | $ 90,000 | $ 52,000 |
| Horry County South Carolina | 1 | $ 93,000 | $ 93,000 | $ 93,000 |
| Richland County South Carolina | 1 | $ 69,000 | $ 69,000 | $ 82,000 |
| Union County South Carolina | 1 | $ 28,000 | $ 28,000 | $ 83,000 |
| York County South Carolina | 1 | $ 78,000 | $ 78,000 | $ 125,000 |
| Sevier County Tennessee | 1 | $ 38,000 | $ 38,000 | $ 115,000 |
| Williamson County Tennessee | 1 | $ 515,000 | $ 515,000 | $ 86,000 |
| Collin County Texas | 1 | $ 330,000 | $ 330,000 | $ 166,000 |
| Denton County Texas | 1 | $ 320,000 | $ 320,000 | $ 110,000 |
| Kaufman County Texas | 1 | $ 61,000 | $ 61,000 | $ 43,000 |
| Loudoun County Virginia | 1 | $ 126,000 | $ 126,000 | $ 180,000 |
| Prince William County Virginia | 1 | $ 39,000 | $ 39,000 | $ 41,000 |
| Richmond City County Virginia | 1 | $ 95,000 | $ 95,000 | $ 77,000 |
| Shenandoah County Virginia | 1 | $ 20,000 | $ 20,000 | $ 54,000 |
| Spotsylvania County Virginia | 1 | $ 96,000 | $ 96,000 | $ 99,000 |
| Whitman County Washington | 1 | $ 80,000 | $ 80,000 | $ 145,000 |
Mortgage Loan Application Detail Totals for Ibm Southeast Emp Credit Union in 2006
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 | 929 | $50,617,000 | $54,000 | $300,000 | $85,000 | $338,000 |
| Refinancing | 216 | $42,468,000 | $196,000 | $630,000 | $77,000 | $250,000 |
| Home Purchase | 153 | $32,091,000 | $209,000 | $790,000 | $94,000 | $1,051,000 |
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 | 852 | $80,947,000 | $95,000 | $790,000 | $88,000 | $1,051,000 |
| Black or African American | 278 | $26,646,000 | $95,000 | $630,000 | $78,000 | $272,000 |
| Hispanic | 110 | $11,301,000 | $102,000 | $650,000 | $76,000 | $240,000 |
| Asian | 38 | $4,417,000 | $116,000 | $417,000 | $103,000 | $251,000 |
| Not Provided | 18 | $1,186,000 | $65,000 | $122,000 | $80,000 | $204,000 |
| American Indian or Alaskan Native | 1 | $560,000 | $560,000 | $560,000 | $164,000 | $164,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $119,000 | $119,000 | $119,000 | $67,000 | $67,000 |
| 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) | 1,297 | $125,126,000 | $96,000 | $790,000 | $85,000 | $1,051,000 |
| FHA-insured (Federal Housing Administration) | 1 | $50,000 | $50,000 | $50,000 | $131,000 | $131,000 |
| 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 | 1,140 | $94,190,000 | $82,000 | $790,000 | $85,000 | $338,000 |
| Application Withdrawn By Applicant | 89 | $18,396,000 | $206,000 | $650,000 | $88,000 | $265,000 |
| Application Denied By Financial Institution | 66 | $12,058,000 | $182,000 | $630,000 | $84,000 | $1,051,000 |
| Application Approved But Not Accepted | 3 | $532,000 | $177,000 | $324,000 | $80,000 | $133,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 31 | $5,283,000 | $170,000 | $567,000 | $107,000 | $1,051,000 |
| Debt-To-Income Ratio | 24 | $4,420,000 | $184,000 | $386,000 | $56,000 | $172,000 |
| Collateral | 3 | $373,000 | $124,000 | $181,000 | $71,000 | $92,000 |
| Other | 3 | $608,000 | $202,000 | $400,000 | $55,000 | $92,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $880,000 | $440,000 | $630,000 | $122,000 | $139,000 |
| Mortgage Insurance Denied | 1 | $69,000 | $69,000 | $69,000 | $70,000 | $70,000 |
| Unverifiable Information | 1 | $225,000 | $225,000 | $225,000 | $112,000 | $112,000 |
| Credit Application Incomplete | 1 | $200,000 | $200,000 | $200,000 | $60,000 | $60,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ibm Southeast Emp Credit Union's 2006 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.