Ibm Southeast Emp Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013
Ibm Southeast Emp Credit Union 2013 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 | 861 |
| Total Mortgage Loan Application Amount | $132,216,000 |
| Average Mortgage Loan Application Amount | $125,000 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $100,000 |
| Highest Applicant Income | $1,200,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 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 2013 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 2013.
| 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 | 218 | $ 37,035,000 | $ 169,000 | $ 105,000 |
| Cobb County Georgia | 126 | $ 19,279,000 | $ 153,000 | $ 110,000 |
| Broward County Florida | 79 | $ 11,615,000 | $ 147,000 | $ 90,000 |
| Fulton County Georgia | 50 | $ 7,915,000 | $ 158,000 | $ 128,000 |
| St. Lucie County Florida | 42 | $ 4,862,000 | $ 115,000 | $ 78,000 |
| DeKalb County Georgia | 32 | $ 4,733,000 | $ 147,000 | $ 86,000 |
| Cherokee County Georgia | 23 | $ 3,154,000 | $ 137,000 | $ 99,000 |
| Gwinnett County Georgia | 19 | $ 3,121,000 | $ 164,000 | $ 93,000 |
| Hillsborough County Florida | 18 | $ 2,842,000 | $ 157,000 | $ 115,000 |
| Paulding County Georgia | 16 | $ 1,768,000 | $ 110,000 | $ 70,000 |
| Pickens County Georgia | 12 | $ 1,416,000 | $ 118,000 | $ 65,000 |
| Miami-Dade County Florida | 11 | $ 1,893,000 | $ 172,000 | $ 127,000 |
| Douglas County Georgia | 10 | $ 1,216,000 | $ 121,000 | $ 88,000 |
| Forsyth County Georgia | 8 | $ 1,137,000 | $ 142,000 | $ 112,000 |
| Martin County Florida | 7 | $ 1,022,000 | $ 146,000 | $ 96,000 |
| Orange County Florida | 7 | $ 1,278,000 | $ 182,000 | $ 97,000 |
| Clayton County Georgia | 7 | $ 683,000 | $ 97,000 | $ 56,000 |
| Henry County Georgia | 7 | $ 823,000 | $ 117,000 | $ 62,000 |
| Rockdale County Georgia | 7 | $ 1,027,000 | $ 146,000 | $ 119,000 |
| Pinellas County Florida | 6 | $ 1,097,000 | $ 182,000 | $ 87,000 |
| Bartow County Georgia | 6 | $ 1,036,000 | $ 172,000 | $ 72,000 |
| Fayette County Georgia | 6 | $ 876,000 | $ 146,000 | $ 116,000 |
| Coweta County Georgia | 5 | $ 477,000 | $ 95,000 | $ 65,000 |
| Alachua County Florida | 4 | $ 592,000 | $ 148,000 | $ 90,000 |
| Pasco County Florida | 4 | $ 509,000 | $ 127,000 | $ 87,000 |
| Carroll County Georgia | 4 | $ 414,000 | $ 103,000 | $ 73,000 |
| Brevard County Florida | 3 | $ 326,000 | $ 108,000 | $ 78,000 |
| Flagler County Florida | 3 | $ 345,000 | $ 115,000 | $ 92,000 |
| Lee County Florida | 3 | $ 206,000 | $ 68,000 | $ 211,000 |
| Manatee County Florida | 3 | $ 553,000 | $ 184,000 | $ 128,000 |
| Monroe County Florida | 3 | $ 998,000 | $ 332,000 | $ 98,000 |
| Wake County North Carolina | 3 | $ 416,000 | $ 138,000 | $ 115,000 |
| Beaufort County South Carolina | 3 | $ 802,000 | $ 267,000 | $ 163,000 |
| Hamilton County Tennessee | 3 | $ 389,000 | $ 129,000 | $ 64,000 |
| Jefferson County Alabama | 2 | $ 212,000 | $ 106,000 | $ 63,000 |
| Mobile County Alabama | 2 | $ 186,000 | $ 93,000 | $ 93,000 |
| Maricopa County Arizona | 2 | $ 141,000 | $ 70,000 | $ 89,000 |
| Charlotte County Florida | 2 | $ 160,000 | $ 80,000 | $ 79,000 |
| Indian River County Florida | 2 | $ 203,000 | $ 101,000 | $ 53,000 |
| Sarasota County Florida | 2 | $ 349,000 | $ 174,000 | $ 144,000 |
| Sumter County Florida | 2 | $ 427,000 | $ 213,000 | $ 167,000 |
| Volusia County Florida | 2 | $ 172,000 | $ 86,000 | $ 72,000 |
| Lowndes County Georgia | 2 | $ 202,000 | $ 101,000 | $ 55,000 |
| Muscogee County Georgia | 2 | $ 237,000 | $ 118,000 | $ 138,000 |
| Newton County Georgia | 2 | $ 241,000 | $ 120,000 | $ 80,000 |
| Cabarrus County North Carolina | 2 | $ 390,000 | $ 195,000 | $ 113,000 |
| Johnston County North Carolina | 2 | $ 259,000 | $ 129,000 | $ 77,000 |
| Oklahoma County Oklahoma | 2 | $ 236,000 | $ 118,000 | $ 142,000 |
| Putnam County Tennessee | 2 | $ 495,000 | $ 247,000 | $ 44,000 |
| Harris County Texas | 2 | $ 311,000 | $ 155,000 | $ 88,000 |
| Travis County Texas | 2 | $ 550,000 | $ 275,000 | $ 250,000 |
| Montgomery County Alabama | 1 | $ 91,000 | $ 91,000 | $ 42,000 |
| Benton County Arkansas | 1 | $ 112,000 | $ 112,000 | $ 27,000 |
| Santa Clara County California | 1 | $ 180,000 | $ 180,000 | $ 128,000 |
| Boulder County Colorado | 1 | $ 258,000 | $ 258,000 | $ 90,000 |
| Teller County Colorado | 1 | $ 205,000 | $ 205,000 | $ 80,000 |
| Hartford County Connecticut | 1 | $ 100,000 | $ 100,000 | $ 165,000 |
| Kent County Delaware | 1 | $ 126,000 | $ 126,000 | $ 58,000 |
| Duval County Florida | 1 | $ 170,000 | $ 170,000 | $ 104,000 |
| Lake County Florida | 1 | $ 103,000 | $ 103,000 | $ 105,000 |
| Madison County Florida | 1 | $ 80,000 | $ 80,000 | $ 32,000 |
| Marion County Florida | 1 | $ 103,000 | $ 103,000 | $ 46,000 |
| Okaloosa County Florida | 1 | $ 40,000 | $ 40,000 | $ 55,000 |
| Polk County Florida | 1 | $ 25,000 | $ 25,000 | $ 77,000 |
| Seminole County Florida | 1 | $ 144,000 | $ 144,000 | $ 64,000 |
| Walton County Florida | 1 | $ 381,000 | $ 381,000 | $ 135,000 |
| Barrow County Georgia | 1 | $ 5,000 | $ 5,000 | $ 38,000 |
| Clarke County Georgia | 1 | $ 250,000 | $ 250,000 | $ 467,000 |
| Colquitt County Georgia | 1 | $ 313,000 | $ 313,000 | $ 76,000 |
| Fannin County Georgia | 1 | $ 299,000 | $ 299,000 | $ 118,000 |
| Gilmer County Georgia | 1 | $ 172,000 | $ 172,000 | $ 37,000 |
| Hall County Georgia | 1 | $ 220,000 | $ 220,000 | $ 168,000 |
| Jackson County Georgia | 1 | $ 88,000 | $ 88,000 | $ 52,000 |
| Polk County Georgia | 1 | $ 340,000 | $ 340,000 | $ 129,000 |
| Spalding County Georgia | 1 | $ 138,000 | $ 138,000 | $ 86,000 |
| Whitfield County Georgia | 1 | $ 155,000 | $ 155,000 | $ 17,000 |
| Bonner County Idaho | 1 | $ 470,000 | $ 470,000 | $ 105,000 |
| Champaign County Illinois | 1 | $ 88,000 | $ 88,000 | $ 106,000 |
| Cook County Illinois | 1 | $ 245,000 | $ 245,000 | $ 73,000 |
| Steuben County Indiana | 1 | $ 259,000 | $ 259,000 | $ 253,000 |
| Lincoln County Louisiana | 1 | $ 124,000 | $ 124,000 | $ 56,000 |
| Howard County Maryland | 1 | $ 10,000 | $ 10,000 | $ 194,000 |
| Worcester County Maryland | 1 | $ 189,000 | $ 189,000 | $ 82,000 |
| Barnstable County Massachusetts | 1 | $ 50,000 | $ 50,000 | $ 220,000 |
| Cheboygan County Michigan | 1 | $ 71,000 | $ 71,000 | $ 139,000 |
| Hinds County Mississippi | 1 | $ 26,000 | $ 26,000 | $ 114,000 |
| Lee County Mississippi | 1 | $ 76,000 | $ 76,000 | $ 29,000 |
| Sunflower County Mississippi | 1 | $ 93,000 | $ 93,000 | $ 43,000 |
| Stillwater County Montana | 1 | $ 250,000 | $ 250,000 | $ 96,000 |
| Cheshire County New Hampshire | 1 | $ 180,000 | $ 180,000 | $ 68,000 |
| Camden County New Jersey | 1 | $ 170,000 | $ 170,000 | $ 157,000 |
| Morris County New Jersey | 1 | $ 168,000 | $ 168,000 | $ 60,000 |
| Valencia County New Mexico | 1 | $ 71,000 | $ 71,000 | $ 300,000 |
| Niagara County New York | 1 | $ 100,000 | $ 100,000 | $ 67,000 |
| Suffolk County New York | 1 | $ 420,000 | $ 420,000 | $ 231,000 |
| Dare County North Carolina | 1 | $ 417,000 | $ 417,000 | $ 227,000 |
| Jackson County North Carolina | 1 | $ 112,000 | $ 112,000 | $ 75,000 |
| Lee County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 29,000 |
| Mecklenburg County North Carolina | 1 | $ 221,000 | $ 221,000 | $ 105,000 |
| Transylvania County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 31,000 |
| Cuyahoga County Ohio | 1 | $ 45,000 | $ 45,000 | $ 152,000 |
| Ottawa County Ohio | 1 | $ 36,000 | $ 36,000 | $ 66,000 |
| Monroe County Pennsylvania | 1 | $ 138,000 | $ 138,000 | $ 60,000 |
| Northampton County Pennsylvania | 1 | $ 335,000 | $ 335,000 | $ 140,000 |
| Greenville County South Carolina | 1 | $ 160,000 | $ 160,000 | $ 72,000 |
| Greenwood County South Carolina | 1 | $ 240,000 | $ 240,000 | $ 138,000 |
| Spartanburg County South Carolina | 1 | $ 69,000 | $ 69,000 | $ 165,000 |
| York County South Carolina | 1 | $ 368,000 | $ 368,000 | $ 292,000 |
| Greene County Tennessee | 1 | $ 150,000 | $ 150,000 | $ 130,000 |
| Moore County Tennessee | 1 | $ 62,000 | $ 62,000 | $ 59,000 |
| Rutherford County Tennessee | 1 | $ 14,000 | $ 14,000 | $ 33,000 |
| Williamson County Tennessee | 1 | $ 139,000 | $ 139,000 | $ 120,000 |
| Denton County Texas | 1 | $ 366,000 | $ 366,000 | $ 230,000 |
| Salt Lake County Utah | 1 | $ 27,000 | $ 27,000 | $ 53,000 |
| Alexandria County Virginia | 1 | $ 194,000 | $ 194,000 | $ 51,000 |
| Chesapeake County Virginia | 1 | $ 84,000 | $ 84,000 | $ 62,000 |
| Henrico County Virginia | 1 | $ 271,000 | $ 271,000 | $ 120,000 |
| Staunton County Virginia | 1 | $ 144,000 | $ 144,000 | $ 117,000 |
| King County Washington | 1 | $ 647,000 | $ 647,000 | $ 208,000 |
| Putnam County West Virginia | 1 | $ 98,000 | $ 98,000 | $ 107,000 |
Mortgage Loan Application Detail Totals for Ibm Southeast Emp Credit Union in 2013
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 | 564 | $85,069,000 | $150,000 | $470,000 | $97,000 | $1,200,000 |
| Home Purchase | 248 | $44,978,000 | $181,000 | $1,600,000 | $112,000 | $600,000 |
| Home Improvement | 49 | $2,169,000 | $44,000 | $100,000 | $91,000 | $220,000 |
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 | 476 | $75,674,000 | $158,000 | $1,600,000 | $101,000 | $591,000 |
| Not Provided | 173 | $23,839,000 | $137,000 | $408,000 | $99,000 | $1,200,000 |
| Black or African American | 113 | $15,609,000 | $138,000 | $417,000 | $88,000 | $312,000 |
| Hispanic | 61 | $9,458,000 | $155,000 | $405,000 | $110,000 | $310,000 |
| Asian | 34 | $7,222,000 | $212,000 | $647,000 | $148,000 | $600,000 |
| American Indian or Alaskan Native | 4 | $414,000 | $103,000 | $149,000 | $97,000 | $145,000 |
| 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) | 858 | $131,518,000 | $153,000 | $1,600,000 | $101,000 | $1,200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $281,000 | $140,000 | $260,000 | $91,000 | $126,000 |
| FHA-insured (Federal Housing Administration) | 1 | $417,000 | $417,000 | $417,000 | $312,000 | $312,000 |
| 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 | 427 | $64,731,000 | $151,000 | $470,000 | $102,000 | $1,200,000 |
| Application Denied By Financial Institution | 348 | $55,148,000 | $158,000 | $1,600,000 | $98,000 | $591,000 |
| Application Withdrawn By Applicant | 76 | $11,251,000 | $148,000 | $417,000 | $116,000 | $320,000 |
| File Closed For Incompleteness | 5 | $439,000 | $87,000 | $124,000 | $71,000 | $125,000 |
| Application Approved But Not Accepted | 5 | $647,000 | $129,000 | $400,000 | $81,000 | $96,000 |
| 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 | 116 | $18,020,000 | $155,000 | $417,000 | $104,000 | $312,000 |
| Credit History | 77 | $11,488,000 | $149,000 | $380,000 | $88,000 | $402,000 |
| Collateral | 58 | $9,932,000 | $171,000 | $647,000 | $117,000 | $324,000 |
| Debt-To-Income Ratio | 50 | $5,817,000 | $116,000 | $376,000 | $58,000 | $285,000 |
| Other | 16 | $5,216,000 | $326,000 | $1,600,000 | $168,000 | $591,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $1,912,000 | $173,000 | $321,000 | $117,000 | $467,000 |
| Unverifiable Information | 10 | $945,000 | $94,000 | $232,000 | $56,000 | $94,000 |
| Mortgage Insurance Denied | 1 | $257,000 | $257,000 | $257,000 | $100,000 | $100,000 |
| Employment History | 1 | $187,000 | $187,000 | $187,000 | $112,000 | $112,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ibm Southeast Emp Credit Union's 2013 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.