Ibm Southeast Emp Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Ibm Southeast Emp Credit Union 2007 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 | 1,125 |
| Total Mortgage Loan Application Amount | $133,942,000 |
| Average Mortgage Loan Application Amount | $150,666 |
| Highest Mortgage Loan Application Amount | $670,000 |
| Average Applicant Income | $91,333 |
| Highest Applicant Income | $1,248,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| 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 | 277 | $ 31,793,000 | $ 114,000 | $ 87,000 |
| Broward County Florida | 167 | $ 20,178,000 | $ 120,000 | $ 76,000 |
| Cobb County Georgia | 144 | $ 17,184,000 | $ 119,000 | $ 93,000 |
| Fulton County Georgia | 53 | $ 7,610,000 | $ 143,000 | $ 109,000 |
| DeKalb County Georgia | 50 | $ 4,386,000 | $ 87,000 | $ 71,000 |
| Cherokee County Georgia | 30 | $ 3,713,000 | $ 123,000 | $ 99,000 |
| Gwinnett County Georgia | 29 | $ 3,423,000 | $ 118,000 | $ 82,000 |
| Hillsborough County Florida | 28 | $ 3,898,000 | $ 139,000 | $ 131,000 |
| Miami-Dade County Florida | 14 | $ 2,229,000 | $ 159,000 | $ 118,000 |
| Pinellas County Florida | 14 | $ 1,762,000 | $ 125,000 | $ 88,000 |
| Paulding County Georgia | 14 | $ 1,265,000 | $ 90,000 | $ 70,000 |
| St. Lucie County Florida | 13 | $ 908,000 | $ 69,000 | $ 72,000 |
| Forsyth County Georgia | 13 | $ 1,997,000 | $ 153,000 | $ 90,000 |
| Orange County Florida | 12 | $ 2,373,000 | $ 197,000 | $ 125,000 |
| Clayton County Georgia | 12 | $ 730,000 | $ 60,000 | $ 168,000 |
| Henry County Georgia | 9 | $ 1,449,000 | $ 161,000 | $ 104,000 |
| Douglas County Georgia | 8 | $ 548,000 | $ 68,000 | $ 72,000 |
| Rockdale County Georgia | 8 | $ 1,262,000 | $ 157,000 | $ 116,000 |
| Wake County North Carolina | 8 | $ 799,000 | $ 99,000 | $ 114,000 |
| Jefferson County Alabama | 7 | $ 437,000 | $ 62,000 | $ 67,000 |
| Pasco County Florida | 6 | $ 583,000 | $ 97,000 | $ 94,000 |
| Fayette County Georgia | 5 | $ 884,000 | $ 176,000 | $ 103,000 |
| Riverside County California | 4 | $ 306,000 | $ 76,000 | $ 106,000 |
| Polk County Florida | 4 | $ 120,000 | $ 30,000 | $ 69,000 |
| Newton County Georgia | 4 | $ 157,000 | $ 39,000 | $ 65,000 |
| Mobile County Alabama | 3 | $ 155,000 | $ 51,000 | $ 47,000 |
| Bay County Florida | 3 | $ 553,000 | $ 184,000 | $ 65,000 |
| Duval County Florida | 3 | $ 315,000 | $ 105,000 | $ 82,000 |
| Lee County Florida | 3 | $ 88,000 | $ 29,000 | $ 47,000 |
| Marion County Florida | 3 | $ 229,000 | $ 76,000 | $ 83,000 |
| Martin County Florida | 3 | $ 420,000 | $ 140,000 | $ 100,000 |
| Seminole County Florida | 3 | $ 597,000 | $ 199,000 | $ 101,000 |
| Volusia County Florida | 3 | $ 443,000 | $ 147,000 | $ 77,000 |
| Bibb County Georgia | 3 | $ 223,000 | $ 74,000 | $ 176,000 |
| Hall County Georgia | 3 | $ 386,000 | $ 128,000 | $ 37,000 |
| Pickens County Georgia | 3 | $ 441,000 | $ 147,000 | $ 87,000 |
| Jefferson County Kentucky | 3 | $ 386,000 | $ 128,000 | $ 191,000 |
| Prince George's County Maryland | 3 | $ 329,000 | $ 109,000 | $ 70,000 |
| Mecklenburg County North Carolina | 3 | $ 150,000 | $ 50,000 | $ 97,000 |
| Carter County Tennessee | 3 | $ 301,000 | $ 100,000 | $ 81,000 |
| Hamilton County Tennessee | 3 | $ 210,000 | $ 70,000 | $ 207,000 |
| Madison County Alabama | 2 | $ 270,000 | $ 135,000 | $ 180,000 |
| Douglas County Colorado | 2 | $ 274,000 | $ 137,000 | $ 129,000 |
| Hartford County Connecticut | 2 | $ 268,000 | $ 134,000 | $ 94,000 |
| District of Columbia County District Of Columbia | 2 | $ 419,000 | $ 209,000 | $ 76,000 |
| Alachua County Florida | 2 | $ 435,000 | $ 217,000 | $ 77,000 |
| Brevard County Florida | 2 | $ 308,000 | $ 154,000 | $ 96,000 |
| Clay County Florida | 2 | $ 360,000 | $ 180,000 | $ 109,000 |
| Collier County Florida | 2 | $ 286,000 | $ 143,000 | $ 47,000 |
| Hernando County Florida | 2 | $ 267,000 | $ 133,000 | $ 118,000 |
| Leon County Florida | 2 | $ 277,000 | $ 138,000 | $ 198,000 |
| Bartow County Georgia | 2 | $ 327,000 | $ 163,000 | $ 88,000 |
| Carroll County Georgia | 2 | $ 170,000 | $ 85,000 | $ 111,000 |
| Chatham County Georgia | 2 | $ 866,000 | $ 433,000 | $ 182,000 |
| Clarke County Georgia | 2 | $ 293,000 | $ 146,000 | $ 63,000 |
| Gilmer County Georgia | 2 | $ 238,000 | $ 119,000 | $ 126,000 |
| Glynn County Georgia | 2 | $ 412,000 | $ 206,000 | $ 114,000 |
| Lumpkin County Georgia | 2 | $ 90,000 | $ 45,000 | $ 146,000 |
| Upson County Georgia | 2 | $ 243,000 | $ 121,000 | $ 158,000 |
| Walton County Georgia | 2 | $ 670,000 | $ 335,000 | $ 113,000 |
| Whitfield County Georgia | 2 | $ 243,000 | $ 121,000 | $ 36,000 |
| Harrison County Mississippi | 2 | $ 195,000 | $ 97,000 | $ 225,000 |
| Westchester County New York | 2 | $ 488,000 | $ 244,000 | $ 146,000 |
| Cabarrus County North Carolina | 2 | $ 330,000 | $ 165,000 | $ 125,000 |
| Greenville County South Carolina | 2 | $ 174,000 | $ 87,000 | $ 162,000 |
| Richland County South Carolina | 2 | $ 80,000 | $ 40,000 | $ 109,000 |
| Rutherford County Tennessee | 2 | $ 15,000 | $ 7,000 | $ 43,000 |
| Williamson County Tennessee | 2 | $ 389,000 | $ 194,000 | $ 78,000 |
| King County Washington | 2 | $ 360,000 | $ 180,000 | $ 140,000 |
| Autauga County Alabama | 1 | $ 208,000 | $ 208,000 | $ 100,000 |
| Baldwin County Alabama | 1 | $ 350,000 | $ 350,000 | $ 122,000 |
| Cullman County Alabama | 1 | $ 32,000 | $ 32,000 | $ 35,000 |
| Montgomery County Alabama | 1 | $ 74,000 | $ 74,000 | $ 93,000 |
| Shelby County Alabama | 1 | $ 69,000 | $ 69,000 | $ 77,000 |
| Walker County Alabama | 1 | $ 75,000 | $ 75,000 | $ 43,000 |
| Maricopa County Arizona | 1 | $ 204,000 | $ 204,000 | $ 60,000 |
| Pima County Arizona | 1 | $ 28,000 | $ 28,000 | $ 94,000 |
| Union County Arkansas | 1 | $ 37,000 | $ 37,000 | $ 29,000 |
| Solano County California | 1 | $ 40,000 | $ 40,000 | $ 76,000 |
| Boulder County Colorado | 1 | $ 150,000 | $ 150,000 | $ 46,000 |
| Denver County Colorado | 1 | $ 305,000 | $ 305,000 | $ 90,000 |
| Jefferson County Colorado | 1 | $ 10,000 | $ 10,000 | $ 30,000 |
| Hendry County Florida | 1 | $ 105,000 | $ 105,000 | $ 45,000 |
| Lake County Florida | 1 | $ 67,000 | $ 67,000 | $ 55,000 |
| Okaloosa County Florida | 1 | $ 155,000 | $ 155,000 | $ 149,000 |
| Okeechobee County Florida | 1 | $ 45,000 | $ 45,000 | $ 18,000 |
| Sarasota County Florida | 1 | $ 50,000 | $ 50,000 | $ 193,000 |
| Suwannee County Florida | 1 | $ 176,000 | $ 176,000 | $ 47,000 |
| Barrow County Georgia | 1 | $ 90,000 | $ 90,000 | $ 123,000 |
| Chattooga County Georgia | 1 | $ 189,000 | $ 189,000 | $ 88,000 |
| Dougherty County Georgia | 1 | $ 63,000 | $ 63,000 | $ 109,000 |
| Hart County Georgia | 1 | $ 88,000 | $ 88,000 | $ 121,000 |
| Lamar County Georgia | 1 | $ 15,000 | $ 15,000 | $ 18,000 |
| Madison County Georgia | 1 | $ 175,000 | $ 175,000 | $ 126,000 |
| Meriwether County Georgia | 1 | $ 35,000 | $ 35,000 | $ 48,000 |
| Muscogee County Georgia | 1 | $ 32,000 | $ 32,000 | $ 99,000 |
| Oconee County Georgia | 1 | $ 179,000 | $ 179,000 | $ 127,000 |
| Polk County Georgia | 1 | $ 228,000 | $ 228,000 | $ 110,000 |
| Union County Georgia | 1 | $ 50,000 | $ 50,000 | $ 56,000 |
| McLean County Illinois | 1 | $ 57,000 | $ 57,000 | $ 50,000 |
| Will County Illinois | 1 | $ 20,000 | $ 20,000 | $ 159,000 |
| Noble County Indiana | 1 | $ 55,000 | $ 55,000 | $ 83,000 |
| Campbell County Kentucky | 1 | $ 100,000 | $ 100,000 | $ 99,000 |
| Hampden County Massachusetts | 1 | $ 23,000 | $ 23,000 | $ 29,000 |
| Middlesex County Massachusetts | 1 | $ 196,000 | $ 196,000 | $ 82,000 |
| Kalamazoo County Michigan | 1 | $ 153,000 | $ 153,000 | $ 41,000 |
| Macomb County Michigan | 1 | $ 116,000 | $ 116,000 | $ 46,000 |
| Hennepin County Minnesota | 1 | $ 200,000 | $ 200,000 | $ 52,000 |
| Hinds County Mississippi | 1 | $ 22,000 | $ 22,000 | $ 96,000 |
| Pearl River County Mississippi | 1 | $ 250,000 | $ 250,000 | $ 46,000 |
| Sunflower County Mississippi | 1 | $ 25,000 | $ 25,000 | $ 75,000 |
| Perry County Missouri | 1 | $ 32,000 | $ 32,000 | $ 76,000 |
| Stillwater County Montana | 1 | $ 150,000 | $ 150,000 | $ 59,000 |
| Essex County New Jersey | 1 | $ 348,000 | $ 348,000 | $ 435,000 |
| Hudson County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Madison County New York | 1 | $ 112,000 | $ 112,000 | $ 130,000 |
| Putnam County New York | 1 | $ 50,000 | $ 50,000 | $ 119,000 |
| Alamance County North Carolina | 1 | $ 114,000 | $ 114,000 | $ 34,000 |
| Buncombe County North Carolina | 1 | $ 193,000 | $ 193,000 | $ 72,000 |
| Guilford County North Carolina | 1 | $ 10,000 | $ 10,000 | $ 82,000 |
| Moore County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 55,000 |
| Randolph County North Carolina | 1 | $ 37,000 | $ 37,000 | $ 143,000 |
| Transylvania County North Carolina | 1 | $ 21,000 | $ 21,000 | $ 73,000 |
| Franklin County Ohio | 1 | $ 35,000 | $ 35,000 | $ 131,000 |
| Oklahoma County Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 148,000 |
| Multnomah County Oregon | 1 | $ 174,000 | $ 174,000 | $ 68,000 |
| Washington County Oregon | 1 | $ 69,000 | $ 69,000 | $ 70,000 |
| Butler County Pennsylvania | 1 | $ 90,000 | $ 90,000 | $ 37,000 |
| Chester County Pennsylvania | 1 | $ 292,000 | $ 292,000 | $ 154,000 |
| Erie County Pennsylvania | 1 | $ 182,000 | $ 182,000 | $ 205,000 |
| Monroe County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 93,000 |
| Philadelphia County Pennsylvania | 1 | $ 31,000 | $ 31,000 | $ 40,000 |
| Somerset County Pennsylvania | 1 | $ 87,000 | $ 87,000 | $ 208,000 |
| Beaufort County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 232,000 |
| Greenwood County South Carolina | 1 | $ 149,000 | $ 149,000 | $ 50,000 |
| Jasper County South Carolina | 1 | $ 103,000 | $ 103,000 | $ 11,000 |
| Laurens County South Carolina | 1 | $ 86,000 | $ 86,000 | $ 51,000 |
| Cheatham County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 166,000 |
| Coffee County Tennessee | 1 | $ 16,000 | $ 16,000 | $ 48,000 |
| Davidson County Tennessee | 1 | $ 20,000 | $ 20,000 | $ 40,000 |
| Henry County Tennessee | 1 | $ 124,000 | $ 124,000 | $ 98,000 |
| Knox County Tennessee | 1 | $ 50,000 | $ 50,000 | $ 82,000 |
| Putnam County Tennessee | 1 | $ 245,000 | $ 245,000 | $ 42,000 |
| Shelby County Tennessee | 1 | $ 164,000 | $ 164,000 | $ 55,000 |
| Wilson County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 44,000 |
| Collin County Texas | 1 | $ 417,000 | $ 417,000 | $ 157,000 |
| Dallas County Texas | 1 | $ 65,000 | $ 65,000 | $ 158,000 |
| Galveston County Texas | 1 | $ 60,000 | $ 60,000 | $ 40,000 |
| Hidalgo County Texas | 1 | $ 100,000 | $ 100,000 | $ 34,000 |
| Montgomery County Texas | 1 | $ 146,000 | $ 146,000 | $ 54,000 |
| Fairfax County Virginia | 1 | $ 250,000 | $ 250,000 | $ 175,000 |
| James City County Virginia | 1 | $ 282,000 | $ 282,000 | $ 85,000 |
| Loudoun County Virginia | 1 | $ 28,000 | $ 28,000 | $ 62,000 |
| Virginia Beach County Virginia | 1 | $ 179,000 | $ 179,000 | $ 40,000 |
| Whatcom County Washington | 1 | $ 196,000 | $ 196,000 | $ 175,000 |
| Mercer County West Virginia | 1 | $ 144,000 | $ 144,000 | $ 41,000 |
| Sawyer County Wisconsin | 1 | $ 168,000 | $ 168,000 | $ 80,000 |
Mortgage Loan Application Detail Totals for Ibm Southeast Emp Credit Union in 2007
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 | 638 | $38,138,000 | $59,000 | $543,000 | $92,000 | $1,000,000 |
| Refinancing | 308 | $60,225,000 | $195,000 | $670,000 | $89,000 | $1,248,000 |
| Home Purchase | 179 | $35,579,000 | $198,000 | $650,000 | $93,000 | $440,000 |
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 | 684 | $80,092,000 | $117,000 | $670,000 | $94,000 | $750,000 |
| Black or African American | 292 | $33,234,000 | $113,000 | $543,000 | $87,000 | $1,248,000 |
| Hispanic | 107 | $12,887,000 | $120,000 | $417,000 | $85,000 | $1,000,000 |
| Asian | 39 | $7,104,000 | $182,000 | $650,000 | $90,000 | $222,000 |
| Not Provided | 3 | $625,000 | $208,000 | $347,000 | $96,000 | $155,000 |
| American Indian or Alaskan Native | 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) | 1,125 | $133,942,000 | $119,000 | $670,000 | $91,000 | $1,248,000 |
| 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 | 915 | $92,922,000 | $101,000 | $650,000 | $91,000 | $1,000,000 |
| Application Withdrawn By Applicant | 121 | $23,392,000 | $193,000 | $670,000 | $102,000 | $1,248,000 |
| Application Denied By Financial Institution | 89 | $17,628,000 | $198,000 | $474,000 | $84,000 | $270,000 |
| 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 | 39 | $8,124,000 | $208,000 | $474,000 | $90,000 | $258,000 |
| Debt-To-Income Ratio | 22 | $4,569,000 | $207,000 | $473,000 | $67,000 | $270,000 |
| Collateral | 11 | $1,989,000 | $180,000 | $332,000 | $74,000 | $144,000 |
| Other | 8 | $1,403,000 | $175,000 | $384,000 | $94,000 | $166,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $725,000 | $145,000 | $180,000 | $110,000 | $231,000 |
| Unverifiable Information | 2 | $363,000 | $181,000 | $242,000 | $84,000 | $95,000 |
| Employment History | 1 | $252,000 | $252,000 | $252,000 | $88,000 | $88,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ibm Southeast Emp Credit Union's 2007 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.