Ibm Southeast Emp Credit Union Mortgage Lending & HMDA Data, 2011
In 2011, Ibm Southeast Emp Credit Union of Delray Beach, FL reported 578 mortgage applications totaling $90.2 million, down 39% from 2010. The average application was for $155,984, and applicants reported an average income of $92,944. 48% of its applications resulted in an originated loan and 42% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (242), West Palm Beach-Boca Raton-Boynton Beach, FL (131) and Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (51) (applications in parentheses).
| 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 | 578 |
| Total Mortgage Loan Application Amount | $90,159,000 |
| Average Mortgage Loan Application Amount | $155,984 |
| Highest Mortgage Loan Application Amount | $480,000 |
| Average Applicant Income | $92,944 |
| Highest Applicant Income | $501,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ibm Southeast Emp Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 242 | $ 37,568,000 | $ 155,239 | $ 92,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 131 | $ 19,252,000 | $ 146,961 | $ 86,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 51 | $ 9,196,000 | $ 180,313 | $ 100,000 |
| Port St. Lucie, FL | 27 | $ 4,222,000 | $ 156,370 | $ 92,000 |
| Tampa-St. Petersburg-Clearwater, FL | 27 | $ 3,879,000 | $ 143,666 | $ 94,000 |
| Gainesville, GA | 7 | $ 1,163,000 | $ 166,142 | $ 83,000 |
| Ocala, FL | 7 | $ 1,033,000 | $ 147,571 | $ 80,000 |
| Orlando-Kissimmee-Sanford, FL | 7 | $ 1,741,000 | $ 248,714 | $ 96,000 |
| Birmingham-Hoover, AL | 6 | $ 669,000 | $ 111,500 | $ 67,000 |
| Tallahassee, FL | 5 | $ 1,124,000 | $ 224,800 | $ 123,000 |
| Jacksonville, FL | 4 | $ 691,000 | $ 172,750 | $ 128,000 |
| Dallas-Plano-Irving, TX | 3 | $ 723,000 | $ 241,000 | $ 113,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 484,000 | $ 161,333 | $ 127,000 |
| Palm Coast, FL | 3 | $ 286,000 | $ 95,333 | $ 105,000 |
| Asheville, NC | 2 | $ 514,000 | $ 257,000 | $ 232,000 |
| Athens-Clarke County, GA | 2 | $ 273,000 | $ 136,500 | $ 38,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 411,000 | $ 205,500 | $ 151,000 |
| Chicago-Joliet-Naperville, IL | 2 | $ 203,000 | $ 101,500 | $ 60,000 |
| Las Vegas-Paradise, NV | 2 | $ 170,000 | $ 85,000 | $ 161,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 655,000 | $ 327,500 | $ 107,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 295,000 | $ 147,500 | $ 122,000 |
| Austin-Round Rock-San Marcos, TX | 1 | $ 91,000 | $ 91,000 | $ 208,000 |
| Baltimore-Towson, MD | 1 | $ 105,000 | $ 105,000 | $ 47,000 |
| Bloomington, IN | 1 | $ 160,000 | $ 160,000 | $ 50,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 152,000 | $ 152,000 | $ 135,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 20,000 | $ 20,000 | $ 54,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 104,000 | $ 104,000 | $ 94,000 |
| Denver-Aurora-Broomfield, CO | 1 | $ 186,000 | $ 186,000 | $ 66,000 |
| Durham-Chapel Hill, NC | 1 | $ 55,000 | $ 55,000 | $ 89,000 |
| Edison-New Brunswick, NJ | 1 | $ 267,000 | $ 267,000 | $ 168,000 |
| Gadsden, AL | 1 | $ 36,000 | $ 36,000 | $ 114,000 |
| Gainesville, FL | 1 | $ 280,000 | $ 280,000 | $ 154,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 82,000 | $ 82,000 | $ 32,000 |
| Kansas City, MO-KS | 1 | $ 29,000 | $ 29,000 | $ 52,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 20,000 | $ 20,000 | $ 196,000 |
| Lakeland-Winter Haven, FL | 1 | $ 417,000 | $ 417,000 | $ 107,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 131,000 | $ 131,000 | $ 66,000 |
| Macon, GA | 1 | $ 104,000 | $ 104,000 | $ 35,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 150,000 | $ 150,000 | $ 83,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 46,000 | $ 46,000 | $ 56,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 88,000 | $ 88,000 | $ 42,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 75,000 | $ 75,000 | $ 80,000 |
| Raleigh-Cary, NC | 1 | $ 41,000 | $ 41,000 | $ 117,000 |
| Rome, GA | 1 | $ 85,000 | $ 85,000 | $ 34,000 |
| Savannah, GA | 1 | $ 345,000 | $ 345,000 | $ 320,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 300,000 | $ 300,000 | $ 182,000 |
Mortgage Loan Application Detail Totals for Ibm Southeast Emp Credit Union in 2011
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 | 422 | $70,276,000 | $166,000 | $480,000 | $95,000 | $501,000 |
| Home Purchase | 147 | $19,374,000 | $131,000 | $416,000 | $86,000 | $380,000 |
| Home Improvement | 9 | $509,000 | $56,000 | $100,000 | $110,000 | $160,000 |
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 | 343 | $53,119,000 | $154,000 | $439,000 | $93,000 | $320,000 |
| Black or African American | 93 | $12,849,000 | $138,000 | $416,000 | $88,000 | $501,000 |
| Not Provided | 68 | $10,310,000 | $151,000 | $480,000 | $96,000 | $380,000 |
| Hispanic | 45 | $8,295,000 | $184,000 | $417,000 | $93,000 | $246,000 |
| Asian | 28 | $5,459,000 | $194,000 | $360,000 | $109,000 | $220,000 |
| American Indian or Alaskan Native | 1 | $127,000 | $127,000 | $127,000 | $56,000 | $56,000 |
| 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) | 573 | $89,120,000 | $155,000 | $480,000 | $93,000 | $501,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $759,000 | $253,000 | $369,000 | $120,000 | $172,000 |
| FHA-insured (Federal Housing Administration) | 2 | $280,000 | $140,000 | $174,000 | $107,000 | $108,000 |
| 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 | 276 | $42,203,000 | $152,000 | $417,000 | $97,000 | $501,000 |
| Application Denied By Financial Institution | 245 | $39,252,000 | $160,000 | $480,000 | $88,000 | $300,000 |
| Application Withdrawn By Applicant | 55 | $8,496,000 | $154,000 | $417,000 | $99,000 | $320,000 |
| Application Approved But Not Accepted | 2 | $208,000 | $104,000 | $133,000 | $61,000 | $78,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 61 | $11,280,000 | $184,000 | $480,000 | $105,000 | $300,000 |
| Credit History | 50 | $7,837,000 | $156,000 | $416,000 | $87,000 | $220,000 |
| Credit Application Incomplete | 45 | $6,304,000 | $140,000 | $349,000 | $88,000 | $208,000 |
| Debt-To-Income Ratio | 44 | $7,732,000 | $175,000 | $392,000 | $58,000 | $185,000 |
| Other | 15 | $2,248,000 | $149,000 | $392,000 | $127,000 | $292,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,044,000 | $130,000 | $345,000 | $77,000 | $115,000 |
| Unverifiable Information | 4 | $295,000 | $73,000 | $105,000 | $100,000 | $216,000 |
| Employment History | 3 | $378,000 | $126,000 | $177,000 | $58,000 | $65,000 |
| Mortgage Insurance Denied | 2 | $474,000 | $237,000 | $313,000 | $107,000 | $120,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ibm Southeast Emp Credit Union's 2011 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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