Ibm Southeast Emp Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
Ibm Southeast Emp Credit Union 2008 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 | 937 |
| Total Mortgage Loan Application Amount | $124,934,000 |
| Average Mortgage Loan Application Amount | $142,333 |
| Highest Mortgage Loan Application Amount | $500,000 |
| Average Applicant Income | $94,333 |
| Highest Applicant Income | $947,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 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 2008 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 2008.
| 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 | 230 | $ 32,454,000 | $ 141,000 | $ 86,000 |
| Cobb County Georgia | 133 | $ 17,390,000 | $ 130,000 | $ 94,000 |
| Broward County Florida | 95 | $ 13,003,000 | $ 136,000 | $ 83,000 |
| Fulton County Georgia | 54 | $ 7,446,000 | $ 137,000 | $ 130,000 |
| DeKalb County Georgia | 37 | $ 3,865,000 | $ 104,000 | $ 91,000 |
| Hillsborough County Florida | 32 | $ 3,755,000 | $ 117,000 | $ 93,000 |
| Cherokee County Georgia | 31 | $ 3,642,000 | $ 117,000 | $ 89,000 |
| Gwinnett County Georgia | 30 | $ 3,332,000 | $ 111,000 | $ 112,000 |
| Paulding County Georgia | 20 | $ 2,344,000 | $ 117,000 | $ 65,000 |
| Miami-Dade County Florida | 15 | $ 2,617,000 | $ 174,000 | $ 121,000 |
| Pinellas County Florida | 14 | $ 1,617,000 | $ 115,000 | $ 105,000 |
| St. Lucie County Florida | 14 | $ 1,068,000 | $ 76,000 | $ 67,000 |
| Forsyth County Georgia | 14 | $ 2,350,000 | $ 167,000 | $ 122,000 |
| Orange County Florida | 9 | $ 1,690,000 | $ 187,000 | $ 110,000 |
| Douglas County Georgia | 9 | $ 921,000 | $ 102,000 | $ 116,000 |
| Clayton County Georgia | 8 | $ 561,000 | $ 70,000 | $ 66,000 |
| Wake County North Carolina | 7 | $ 987,000 | $ 141,000 | $ 103,000 |
| Jefferson County Alabama | 6 | $ 412,000 | $ 68,000 | $ 97,000 |
| Pasco County Florida | 6 | $ 1,009,000 | $ 168,000 | $ 99,000 |
| Duval County Florida | 5 | $ 789,000 | $ 157,000 | $ 76,000 |
| Lee County Florida | 5 | $ 648,000 | $ 129,000 | $ 89,000 |
| Henry County Georgia | 5 | $ 988,000 | $ 197,000 | $ 59,000 |
| Maricopa County Arizona | 4 | $ 543,000 | $ 135,000 | $ 73,000 |
| Lake County Florida | 4 | $ 606,000 | $ 151,000 | $ 59,000 |
| Bartow County Georgia | 4 | $ 650,000 | $ 162,000 | $ 74,000 |
| Fayette County Georgia | 4 | $ 726,000 | $ 181,000 | $ 142,000 |
| Mecklenburg County North Carolina | 4 | $ 301,000 | $ 75,000 | $ 141,000 |
| Alachua County Florida | 3 | $ 290,000 | $ 96,000 | $ 62,000 |
| Collier County Florida | 3 | $ 724,000 | $ 241,000 | $ 63,000 |
| Indian River County Florida | 3 | $ 573,000 | $ 191,000 | $ 83,000 |
| Leon County Florida | 3 | $ 224,000 | $ 74,000 | $ 73,000 |
| Marion County Florida | 3 | $ 457,000 | $ 152,000 | $ 198,000 |
| Clarke County Georgia | 3 | $ 246,000 | $ 82,000 | $ 85,000 |
| Dawson County Georgia | 3 | $ 341,000 | $ 113,000 | $ 81,000 |
| Lowndes County Georgia | 3 | $ 203,000 | $ 67,000 | $ 98,000 |
| Rockdale County Georgia | 3 | $ 424,000 | $ 141,000 | $ 88,000 |
| Buncombe County North Carolina | 3 | $ 909,000 | $ 303,000 | $ 262,000 |
| Henrico County Virginia | 3 | $ 504,000 | $ 168,000 | $ 106,000 |
| San Diego County California | 2 | $ 212,000 | $ 106,000 | $ 146,000 |
| Kent County Delaware | 2 | $ 237,000 | $ 118,000 | $ 74,000 |
| Brevard County Florida | 2 | $ 165,000 | $ 82,000 | $ 54,000 |
| Manatee County Florida | 2 | $ 650,000 | $ 325,000 | $ 87,000 |
| Martin County Florida | 2 | $ 361,000 | $ 180,000 | $ 74,000 |
| Polk County Florida | 2 | $ 439,000 | $ 219,000 | $ 96,000 |
| Seminole County Florida | 2 | $ 65,000 | $ 32,000 | $ 120,000 |
| Sumter County Florida | 2 | $ 200,000 | $ 100,000 | $ 88,000 |
| Carroll County Georgia | 2 | $ 181,000 | $ 90,000 | $ 83,000 |
| Columbia County Georgia | 2 | $ 145,000 | $ 72,000 | $ 79,000 |
| Jackson County Mississippi | 2 | $ 70,000 | $ 35,000 | $ 65,000 |
| Belknap County New Hampshire | 2 | $ 200,000 | $ 100,000 | $ 162,000 |
| Orange County North Carolina | 2 | $ 461,000 | $ 230,000 | $ 131,000 |
| Hamilton County Tennessee | 2 | $ 57,000 | $ 28,000 | $ 160,000 |
| Loudon County Tennessee | 2 | $ 174,000 | $ 87,000 | $ 49,000 |
| Sumner County Tennessee | 2 | $ 286,000 | $ 143,000 | $ 67,000 |
| Dallas County Texas | 2 | $ 322,000 | $ 161,000 | $ 55,000 |
| Etowah County Alabama | 1 | $ 43,000 | $ 43,000 | $ 105,000 |
| Mobile County Alabama | 1 | $ 94,000 | $ 94,000 | $ 50,000 |
| Montgomery County Alabama | 1 | $ 93,000 | $ 93,000 | $ 87,000 |
| Benton County Arkansas | 1 | $ 105,000 | $ 105,000 | $ 42,000 |
| Sacramento County California | 1 | $ 400,000 | $ 400,000 | $ 119,000 |
| Douglas County Colorado | 1 | $ 255,000 | $ 255,000 | $ 137,000 |
| Bay County Florida | 1 | $ 138,000 | $ 138,000 | $ 145,000 |
| Citrus County Florida | 1 | $ 100,000 | $ 100,000 | $ 72,000 |
| Escambia County Florida | 1 | $ 75,000 | $ 75,000 | $ 85,000 |
| Flagler County Florida | 1 | $ 71,000 | $ 71,000 | $ 59,000 |
| Hernando County Florida | 1 | $ 170,000 | $ 170,000 | $ 99,000 |
| Levy County Florida | 1 | $ 80,000 | $ 80,000 | $ 74,000 |
| Osceola County Florida | 1 | $ 38,000 | $ 38,000 | $ 270,000 |
| Santa Rosa County Florida | 1 | $ 294,000 | $ 294,000 | $ 250,000 |
| Sarasota County Florida | 1 | $ 100,000 | $ 100,000 | $ 145,000 |
| Walton County Florida | 1 | $ 292,000 | $ 292,000 | $ 225,000 |
| Bibb County Georgia | 1 | $ 50,000 | $ 50,000 | $ 284,000 |
| Chatham County Georgia | 1 | $ 29,000 | $ 29,000 | $ 71,000 |
| Fannin County Georgia | 1 | $ 150,000 | $ 150,000 | $ 121,000 |
| Gordon County Georgia | 1 | $ 30,000 | $ 30,000 | $ 95,000 |
| Muscogee County Georgia | 1 | $ 140,000 | $ 140,000 | $ 90,000 |
| Pickens County Georgia | 1 | $ 107,000 | $ 107,000 | $ 41,000 |
| Spalding County Georgia | 1 | $ 100,000 | $ 100,000 | $ 51,000 |
| Union County Georgia | 1 | $ 164,000 | $ 164,000 | $ 46,000 |
| Cook County Illinois | 1 | $ 150,000 | $ 150,000 | $ 40,000 |
| Madison County Illinois | 1 | $ 44,000 | $ 44,000 | $ 28,000 |
| Boone County Indiana | 1 | $ 237,000 | $ 237,000 | $ 275,000 |
| Orleans County Louisiana | 1 | $ 60,000 | $ 60,000 | $ 41,000 |
| Howard County Maryland | 1 | $ 50,000 | $ 50,000 | $ 142,000 |
| Kent County Michigan | 1 | $ 178,000 | $ 178,000 | $ 89,000 |
| Macomb County Michigan | 1 | $ 114,000 | $ 114,000 | $ 10,000 |
| Hennepin County Minnesota | 1 | $ 202,000 | $ 202,000 | $ 50,000 |
| St. Louis County Missouri | 1 | $ 232,000 | $ 232,000 | $ 42,000 |
| Lancaster County Nebraska | 1 | $ 100,000 | $ 100,000 | $ 144,000 |
| Clark County Nevada | 1 | $ 137,000 | $ 137,000 | $ 33,000 |
| Atlantic County New Jersey | 1 | $ 40,000 | $ 40,000 | $ 103,000 |
| Morris County New Jersey | 1 | $ 15,000 | $ 15,000 | $ 96,000 |
| Somerset County New Jersey | 1 | $ 65,000 | $ 65,000 | $ 59,000 |
| Luna County New Mexico | 1 | $ 63,000 | $ 63,000 | $ 69,000 |
| Santa Fe County New Mexico | 1 | $ 300,000 | $ 300,000 | $ 46,000 |
| Kings County New York | 1 | $ 416,000 | $ 416,000 | $ 172,000 |
| Queens County New York | 1 | $ 125,000 | $ 125,000 | $ 85,000 |
| Carteret County North Carolina | 1 | $ 80,000 | $ 80,000 | $ 22,000 |
| Henderson County North Carolina | 1 | $ 179,000 | $ 179,000 | $ 47,000 |
| New Hanover County North Carolina | 1 | $ 24,000 | $ 24,000 | $ 118,000 |
| Transylvania County North Carolina | 1 | $ 70,000 | $ 70,000 | $ 48,000 |
| Union County North Carolina | 1 | $ 126,000 | $ 126,000 | $ 85,000 |
| Yancey County North Carolina | 1 | $ 160,000 | $ 160,000 | $ 33,000 |
| Franklin County Ohio | 1 | $ 332,000 | $ 332,000 | $ 110,000 |
| Montgomery County Ohio | 1 | $ 36,000 | $ 36,000 | $ 113,000 |
| Oklahoma County Oklahoma | 1 | $ 15,000 | $ 15,000 | $ 40,000 |
| Clackamas County Oregon | 1 | $ 295,000 | $ 295,000 | $ 85,000 |
| Allegheny County Pennsylvania | 1 | $ 167,000 | $ 167,000 | $ 84,000 |
| Chester County Pennsylvania | 1 | $ 388,000 | $ 388,000 | $ 120,000 |
| Beaufort County South Carolina | 1 | $ 100,000 | $ 100,000 | $ 242,000 |
| Spartanburg County South Carolina | 1 | $ 48,000 | $ 48,000 | $ 77,000 |
| York County South Carolina | 1 | $ 101,000 | $ 101,000 | $ 135,000 |
| Davidson County Tennessee | 1 | $ 199,000 | $ 199,000 | $ 71,000 |
| Knox County Tennessee | 1 | $ 299,000 | $ 299,000 | $ 111,000 |
| Putnam County Tennessee | 1 | $ 150,000 | $ 150,000 | $ 79,000 |
| Sequatchie County Tennessee | 1 | $ 13,000 | $ 13,000 | $ 91,000 |
| Sevier County Tennessee | 1 | $ 150,000 | $ 150,000 | $ 105,000 |
| Blanco County Texas | 1 | $ 216,000 | $ 216,000 | $ 100,000 |
| Denton County Texas | 1 | $ 158,000 | $ 158,000 | $ 112,000 |
| Harris County Texas | 1 | $ 86,000 | $ 86,000 | $ 84,000 |
| Travis County Texas | 1 | $ 220,000 | $ 220,000 | $ 106,000 |
| Williamson County Texas | 1 | $ 190,000 | $ 190,000 | $ 84,000 |
| Salt Lake County Utah | 1 | $ 165,000 | $ 165,000 | $ 77,000 |
| Marion County West Virginia | 1 | $ 100,000 | $ 100,000 | $ 104,000 |
| Columbia County Wisconsin | 1 | $ 97,000 | $ 97,000 | $ 184,000 |
| Dane County Wisconsin | 1 | $ 290,000 | $ 290,000 | $ 188,000 |
Mortgage Loan Application Detail Totals for Ibm Southeast Emp Credit Union in 2008
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 | 389 | $23,973,000 | $61,000 | $495,000 | $99,000 | $695,000 |
| Refinancing | 344 | $64,439,000 | $187,000 | $500,000 | $86,000 | $387,000 |
| Home Purchase | 204 | $36,522,000 | $179,000 | $495,000 | $98,000 | $947,000 |
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 | 616 | $79,237,000 | $128,000 | $500,000 | $93,000 | $695,000 |
| Black or African American | 185 | $24,341,000 | $131,000 | $480,000 | $100,000 | $947,000 |
| Hispanic | 69 | $9,355,000 | $135,000 | $383,000 | $87,000 | $346,000 |
| Asian | 50 | $9,507,000 | $190,000 | $394,000 | $107,000 | $262,000 |
| Not Provided | 16 | $2,449,000 | $153,000 | $340,000 | $91,000 | $166,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $45,000 | $45,000 | $45,000 | $36,000 | $36,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 937 | $124,934,000 | $133,000 | $500,000 | $94,000 | $947,000 |
| 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 | 721 | $83,763,000 | $116,000 | $495,000 | $95,000 | $695,000 |
| Application Denied By Financial Institution | 128 | $23,839,000 | $186,000 | $500,000 | $89,000 | $947,000 |
| Application Withdrawn By Applicant | 88 | $17,332,000 | $196,000 | $480,000 | $97,000 | $385,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 35 | $5,703,000 | $162,000 | $415,000 | $81,000 | $184,000 |
| Debt-To-Income Ratio | 33 | $6,567,000 | $199,000 | $388,000 | $83,000 | $387,000 |
| Credit History | 19 | $4,049,000 | $213,000 | $500,000 | $90,000 | $250,000 |
| Mortgage Insurance Denied | 16 | $2,868,000 | $179,000 | $387,000 | $78,000 | $200,000 |
| Other | 16 | $3,041,000 | $190,000 | $416,000 | $77,000 | $172,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,202,000 | $200,000 | $316,000 | $84,000 | $163,000 |
| Unverifiable Information | 3 | $409,000 | $136,000 | $216,000 | $379,000 | $947,000 |
| Employment History | 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 2008 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.