Ibm Southeast Emp Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Ibm Southeast Emp Credit Union 2012 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 | 1,001 |
| Total Mortgage Loan Application Amount | $162,996,000 |
| Average Mortgage Loan Application Amount | $121,333 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $100,666 |
| Highest Applicant Income | $1,124,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| 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 | 247 | $ 41,034,000 | $ 166,000 | $ 101,000 |
| Cobb County Georgia | 133 | $ 20,436,000 | $ 153,000 | $ 99,000 |
| Broward County Florida | 103 | $ 18,298,000 | $ 177,000 | $ 111,000 |
| Fulton County Georgia | 61 | $ 11,827,000 | $ 193,000 | $ 115,000 |
| St. Lucie County Florida | 41 | $ 4,438,000 | $ 108,000 | $ 69,000 |
| Gwinnett County Georgia | 35 | $ 5,548,000 | $ 158,000 | $ 101,000 |
| DeKalb County Georgia | 31 | $ 4,815,000 | $ 155,000 | $ 89,000 |
| Cherokee County Georgia | 23 | $ 4,003,000 | $ 174,000 | $ 98,000 |
| Paulding County Georgia | 21 | $ 2,679,000 | $ 127,000 | $ 65,000 |
| Hillsborough County Florida | 20 | $ 3,586,000 | $ 179,000 | $ 134,000 |
| Miami-Dade County Florida | 16 | $ 3,026,000 | $ 189,000 | $ 141,000 |
| Martin County Florida | 14 | $ 2,565,000 | $ 183,000 | $ 108,000 |
| Forsyth County Georgia | 13 | $ 2,458,000 | $ 189,000 | $ 195,000 |
| Douglas County Georgia | 12 | $ 1,384,000 | $ 115,000 | $ 72,000 |
| Pinellas County Florida | 10 | $ 1,181,000 | $ 118,000 | $ 109,000 |
| Pickens County Georgia | 10 | $ 1,402,000 | $ 140,000 | $ 66,000 |
| Orange County Florida | 7 | $ 1,165,000 | $ 166,000 | $ 78,000 |
| Pasco County Florida | 5 | $ 435,000 | $ 87,000 | $ 71,000 |
| Carroll County Georgia | 5 | $ 825,000 | $ 165,000 | $ 96,000 |
| Clayton County Georgia | 5 | $ 770,000 | $ 154,000 | $ 110,000 |
| Coweta County Georgia | 5 | $ 1,039,000 | $ 207,000 | $ 94,000 |
| Gilmer County Georgia | 5 | $ 728,000 | $ 145,000 | $ 55,000 |
| Henry County Georgia | 5 | $ 689,000 | $ 137,000 | $ 64,000 |
| Indian River County Florida | 4 | $ 683,000 | $ 170,000 | $ 171,000 |
| Sarasota County Florida | 4 | $ 695,000 | $ 173,000 | $ 85,000 |
| St. Johns County Florida | 4 | $ 807,000 | $ 201,000 | $ 95,000 |
| Volusia County Florida | 4 | $ 542,000 | $ 135,000 | $ 51,000 |
| Bartow County Georgia | 4 | $ 482,000 | $ 120,000 | $ 101,000 |
| Dawson County Georgia | 4 | $ 609,000 | $ 152,000 | $ 87,000 |
| Hall County Georgia | 4 | $ 408,000 | $ 102,000 | $ 101,000 |
| Newton County Georgia | 4 | $ 372,000 | $ 93,000 | $ 44,000 |
| Wake County North Carolina | 4 | $ 948,000 | $ 237,000 | $ 82,000 |
| Bay County Florida | 3 | $ 609,000 | $ 203,000 | $ 100,000 |
| Brevard County Florida | 3 | $ 227,000 | $ 75,000 | $ 66,000 |
| Lee County Florida | 3 | $ 540,000 | $ 180,000 | $ 102,000 |
| Monroe County Florida | 3 | $ 913,000 | $ 304,000 | $ 114,000 |
| Fayette County Georgia | 3 | $ 660,000 | $ 220,000 | $ 95,000 |
| Rockdale County Georgia | 3 | $ 836,000 | $ 278,000 | $ 85,000 |
| Mecklenburg County North Carolina | 3 | $ 601,000 | $ 200,000 | $ 81,000 |
| Harris County Texas | 3 | $ 711,000 | $ 237,000 | $ 183,000 |
| Jefferson County Alabama | 2 | $ 379,000 | $ 189,000 | $ 82,000 |
| Lee County Alabama | 2 | $ 345,000 | $ 172,000 | $ 84,000 |
| Talladega County Alabama | 2 | $ 230,000 | $ 115,000 | $ 100,000 |
| Maricopa County Arizona | 2 | $ 218,000 | $ 109,000 | $ 61,000 |
| Citrus County Florida | 2 | $ 298,000 | $ 149,000 | $ 96,000 |
| Hernando County Florida | 2 | $ 125,000 | $ 62,000 | $ 82,000 |
| Manatee County Florida | 2 | $ 214,000 | $ 107,000 | $ 65,000 |
| Okaloosa County Florida | 2 | $ 385,000 | $ 192,000 | $ 212,000 |
| Seminole County Florida | 2 | $ 499,000 | $ 249,000 | $ 449,000 |
| Butts County Georgia | 2 | $ 371,000 | $ 185,000 | $ 107,000 |
| Glynn County Georgia | 2 | $ 353,000 | $ 176,000 | $ 74,000 |
| Meriwether County Georgia | 2 | $ 345,000 | $ 172,000 | $ 64,000 |
| Rabun County Georgia | 2 | $ 164,000 | $ 82,000 | $ 145,000 |
| Troup County Georgia | 2 | $ 248,000 | $ 124,000 | $ 94,000 |
| Madison County Mississippi | 2 | $ 220,000 | $ 110,000 | $ 78,000 |
| Baldwin County Alabama | 1 | $ 174,000 | $ 174,000 | $ 125,000 |
| Etowah County Alabama | 1 | $ 21,000 | $ 21,000 | $ 122,000 |
| Shelby County Alabama | 1 | $ 115,000 | $ 115,000 | $ 69,000 |
| Pinal County Arizona | 1 | $ 166,000 | $ 166,000 | $ 100,000 |
| Benton County Arkansas | 1 | $ 71,000 | $ 71,000 | $ 48,000 |
| San Diego County California | 1 | $ 356,000 | $ 356,000 | $ 93,000 |
| San Luis Obispo County California | 1 | $ 167,000 | $ 167,000 | $ 105,000 |
| Douglas County Colorado | 1 | $ 219,000 | $ 219,000 | $ 300,000 |
| Fairfield County Connecticut | 1 | $ 100,000 | $ 100,000 | $ 139,000 |
| Hartford County Connecticut | 1 | $ 233,000 | $ 233,000 | $ 193,000 |
| Litchfield County Connecticut | 1 | $ 207,000 | $ 207,000 | $ 168,000 |
| District of Columbia County District Of Columbia | 1 | $ 417,000 | $ 417,000 | $ 167,000 |
| Alachua County Florida | 1 | $ 75,000 | $ 75,000 | $ 96,000 |
| Charlotte County Florida | 1 | $ 168,000 | $ 168,000 | $ 153,000 |
| Collier County Florida | 1 | $ 268,000 | $ 268,000 | $ 133,000 |
| Duval County Florida | 1 | $ 199,000 | $ 199,000 | $ 109,000 |
| Gulf County Florida | 1 | $ 18,000 | $ 18,000 | $ 31,000 |
| Highlands County Florida | 1 | $ 91,000 | $ 91,000 | $ 100,000 |
| Lake County Florida | 1 | $ 122,000 | $ 122,000 | $ 50,000 |
| Leon County Florida | 1 | $ 146,000 | $ 146,000 | $ 207,000 |
| Marion County Florida | 1 | $ 171,000 | $ 171,000 | $ 34,000 |
| Osceola County Florida | 1 | $ 200,000 | $ 200,000 | $ 267,000 |
| Polk County Florida | 1 | $ 200,000 | $ 200,000 | $ 76,000 |
| Walton County Florida | 1 | $ 106,000 | $ 106,000 | $ 49,000 |
| Banks County Georgia | 1 | $ 85,000 | $ 85,000 | $ 111,000 |
| Catoosa County Georgia | 1 | $ 106,000 | $ 106,000 | $ 90,000 |
| Chatham County Georgia | 1 | $ 248,000 | $ 248,000 | $ 209,000 |
| Dade County Georgia | 1 | $ 130,000 | $ 130,000 | $ 70,000 |
| Fannin County Georgia | 1 | $ 99,000 | $ 99,000 | $ 50,000 |
| Gordon County Georgia | 1 | $ 115,000 | $ 115,000 | $ 80,000 |
| Greene County Georgia | 1 | $ 173,000 | $ 173,000 | $ 135,000 |
| Hart County Georgia | 1 | $ 143,000 | $ 143,000 | $ 100,000 |
| Morgan County Georgia | 1 | $ 110,000 | $ 110,000 | $ 63,000 |
| Oconee County Georgia | 1 | $ 313,000 | $ 313,000 | $ 123,000 |
| Terrell County Georgia | 1 | $ 80,000 | $ 80,000 | $ 86,000 |
| Wilkes County Georgia | 1 | $ 160,000 | $ 160,000 | $ 55,000 |
| McHenry County Illinois | 1 | $ 156,000 | $ 156,000 | $ 115,000 |
| Hamilton County Indiana | 1 | $ 122,000 | $ 122,000 | $ 90,000 |
| St. Joseph County Indiana | 1 | $ 150,000 | $ 150,000 | $ 175,000 |
| Jefferson County Kentucky | 1 | $ 264,000 | $ 264,000 | $ 126,000 |
| Baltimore City County Maryland | 1 | $ 125,000 | $ 125,000 | $ 62,000 |
| Howard County Maryland | 1 | $ 395,000 | $ 395,000 | $ 175,000 |
| Prince George's County Maryland | 1 | $ 287,000 | $ 287,000 | $ 123,000 |
| Washington County Maryland | 1 | $ 160,000 | $ 160,000 | $ 94,000 |
| Essex County Massachusetts | 1 | $ 93,000 | $ 93,000 | $ 131,000 |
| Worcester County Massachusetts | 1 | $ 47,000 | $ 47,000 | $ 20,000 |
| Ingham County Michigan | 1 | $ 98,000 | $ 98,000 | $ 149,000 |
| Oakland County Michigan | 1 | $ 124,000 | $ 124,000 | $ 76,000 |
| Christian County Missouri | 1 | $ 115,000 | $ 115,000 | $ 185,000 |
| St. Louis City County Missouri | 1 | $ 112,000 | $ 112,000 | $ 93,000 |
| Clark County Nevada | 1 | $ 205,000 | $ 205,000 | $ 90,000 |
| Washoe County Nevada | 1 | $ 118,000 | $ 118,000 | $ 51,000 |
| Essex County New Jersey | 1 | $ 219,000 | $ 219,000 | $ 113,000 |
| Hudson County New Jersey | 1 | $ 258,000 | $ 258,000 | $ 69,000 |
| Buncombe County North Carolina | 1 | $ 44,000 | $ 44,000 | $ 92,000 |
| Burke County North Carolina | 1 | $ 143,000 | $ 143,000 | $ 67,000 |
| Cabarrus County North Carolina | 1 | $ 199,000 | $ 199,000 | $ 116,000 |
| Dare County North Carolina | 1 | $ 152,000 | $ 152,000 | $ 155,000 |
| Durham County North Carolina | 1 | $ 156,000 | $ 156,000 | $ 135,000 |
| Lenoir County North Carolina | 1 | $ 113,000 | $ 113,000 | $ 70,000 |
| Macon County North Carolina | 1 | $ 263,000 | $ 263,000 | $ 187,000 |
| Rockingham County North Carolina | 1 | $ 120,000 | $ 120,000 | $ 40,000 |
| Transylvania County North Carolina | 1 | $ 169,000 | $ 169,000 | $ 88,000 |
| Union County North Carolina | 1 | $ 244,000 | $ 244,000 | $ 85,000 |
| Clermont County Ohio | 1 | $ 157,000 | $ 157,000 | $ 139,000 |
| Franklin County Ohio | 1 | $ 301,000 | $ 301,000 | $ 446,000 |
| Washington County Oregon | 1 | $ 144,000 | $ 144,000 | $ 132,000 |
| Bedford County Pennsylvania | 1 | $ 62,000 | $ 62,000 | $ 48,000 |
| Pike County Pennsylvania | 1 | $ 124,000 | $ 124,000 | $ 181,000 |
| Anderson County South Carolina | 1 | $ 120,000 | $ 120,000 | $ 122,000 |
| Jasper County South Carolina | 1 | $ 95,000 | $ 95,000 | $ 29,000 |
| Spartanburg County South Carolina | 1 | $ 200,000 | $ 200,000 | $ 97,000 |
| Madison County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 126,000 |
| Putnam County Tennessee | 1 | $ 231,000 | $ 231,000 | $ 48,000 |
| Shelby County Tennessee | 1 | $ 92,000 | $ 92,000 | $ 102,000 |
| Sullivan County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 36,000 |
| Sumner County Tennessee | 1 | $ 26,000 | $ 26,000 | $ 76,000 |
| Williamson County Tennessee | 1 | $ 242,000 | $ 242,000 | $ 62,000 |
| Fort Bend County Texas | 1 | $ 139,000 | $ 139,000 | $ 117,000 |
| Travis County Texas | 1 | $ 155,000 | $ 155,000 | $ 159,000 |
| Virginia Beach County Virginia | 1 | $ 175,000 | $ 175,000 | $ 47,000 |
| Mercer County West Virginia | 1 | $ 88,000 | $ 88,000 | $ 56,000 |
| Dane County Wisconsin | 1 | $ 277,000 | $ 277,000 | $ 74,000 |
| Albany County Wyoming | 1 | $ 417,000 | $ 417,000 | $ 283,000 |
Mortgage Loan Application Detail Totals for Ibm Southeast Emp Credit Union in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 789 | $135,262,000 | $171,000 | $1,000,000 | $107,000 | $1,124,000 |
| Home Purchase | 197 | $26,871,000 | $136,000 | $417,000 | $85,000 | $404,000 |
| Home Improvement | 15 | $863,000 | $57,000 | $100,000 | $110,000 | $284,000 |
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 | 623 | $102,574,000 | $164,000 | $1,000,000 | $104,000 | $1,124,000 |
| Not Provided | 160 | $24,758,000 | $154,000 | $650,000 | $98,000 | $396,000 |
| Black or African American | 126 | $19,549,000 | $155,000 | $417,000 | $95,000 | $804,000 |
| Hispanic | 64 | $10,308,000 | $161,000 | $414,000 | $98,000 | $366,000 |
| Asian | 27 | $5,645,000 | $209,000 | $397,000 | $138,000 | $369,000 |
| American Indian or Alaskan Native | 1 | $162,000 | $162,000 | $162,000 | $124,000 | $124,000 |
| 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) | 1,001 | $162,996,000 | $162,000 | $1,000,000 | $103,000 | $1,124,000 |
| 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 | 559 | $88,807,000 | $158,000 | $417,000 | $101,000 | $404,000 |
| Application Denied By Financial Institution | 365 | $61,822,000 | $169,000 | $1,000,000 | $103,000 | $1,124,000 |
| Application Withdrawn By Applicant | 67 | $10,760,000 | $160,000 | $417,000 | $116,000 | $446,000 |
| Application Approved But Not Accepted | 7 | $987,000 | $141,000 | $237,000 | $77,000 | $125,000 |
| File Closed For Incompleteness | 3 | $620,000 | $206,000 | $353,000 | $105,000 | $200,000 |
| 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 Application Incomplete | 121 | $20,484,000 | $169,000 | $587,000 | $104,000 | $720,000 |
| Collateral | 80 | $14,255,000 | $178,000 | $417,000 | $114,000 | $650,000 |
| Credit History | 63 | $11,098,000 | $176,000 | $405,000 | $101,000 | $804,000 |
| Debt-To-Income Ratio | 44 | $5,984,000 | $136,000 | $316,000 | $55,000 | $180,000 |
| Other | 26 | $5,910,000 | $227,000 | $1,000,000 | $151,000 | $1,124,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $704,000 | $78,000 | $198,000 | $54,000 | $88,000 |
| Unverifiable Information | 4 | $685,000 | $171,000 | $219,000 | $129,000 | $197,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ibm Southeast Emp Credit Union's 2012 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.