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- Data Updated through 2023
Ibm Southeast Emp Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Ibm Southeast Emp Credit Union 2005 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 | 1,749 |
| Total Mortgage Loan Application Amount | $170,747,000 |
| Average Mortgage Loan Application Amount | $119,462 |
| Highest Mortgage Loan Application Amount | $1,160,000 |
| Average Applicant Income | $92,238 |
| Highest Applicant Income | $1,029,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Alachua County Florida | 2 | $ 328,000 | $ 164,000 | $ 61,000 |
| Allegheny County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 38,000 |
| Anoka County Minnesota | 1 | $ 40,000 | $ 40,000 | $ 94,000 |
| Arapahoe County Colorado | 1 | $ 60,000 | $ 60,000 | $ 78,000 |
| Baldwin County Alabama | 3 | $ 476,000 | $ 158,000 | $ 74,000 |
| Bartow County Georgia | 8 | $ 312,000 | $ 39,000 | $ 62,000 |
| Beaufort County South Carolina | 2 | $ 166,000 | $ 83,000 | $ 47,000 |
| Bedford County Virginia | 1 | $ 100,000 | $ 100,000 | $ 145,000 |
| Bergen County New Jersey | 1 | $ 38,000 | $ 38,000 | $ 78,000 |
| Berkeley County South Carolina | 1 | $ 108,000 | $ 108,000 | $ 112,000 |
| Berks County Pennsylvania | 2 | $ 36,000 | $ 18,000 | $ 109,000 |
| Bonner County Idaho | 2 | $ 451,000 | $ 225,000 | $ 154,000 |
| Brevard County Florida | 5 | $ 531,000 | $ 106,000 | $ 245,000 |
| Bronx County New York | 1 | $ 51,000 | $ 51,000 | $ 76,000 |
| Broomfield County Colorado | 1 | $ 75,000 | $ 75,000 | $ 144,000 |
| Broward County Florida | 285 | $ 29,057,000 | $ 101,000 | $ 64,000 |
| Cabarrus County North Carolina | 2 | $ 205,000 | $ 102,000 | $ 80,000 |
| Camden County Georgia | 1 | $ 148,000 | $ 148,000 | $ 61,000 |
| Caroline County Maryland | 1 | $ 135,000 | $ 135,000 | $ 35,000 |
| Carroll County Georgia | 1 | $ 50,000 | $ 50,000 | $ 104,000 |
| Cattaraugus County New York | 1 | $ 70,000 | $ 70,000 | $ 50,000 |
| Charlotte County Florida | 2 | $ 85,000 | $ 42,000 | $ 24,000 |
| Chatham County Georgia | 2 | $ 245,000 | $ 122,000 | $ 76,000 |
| Cherokee County Alabama | 1 | $ 30,000 | $ 30,000 | $ 27,000 |
| Cherokee County Georgia | 39 | $ 3,826,000 | $ 98,000 | $ 74,000 |
| Chester County Pennsylvania | 3 | $ 244,000 | $ 81,000 | $ 78,000 |
| Citrus County Florida | 1 | $ 25,000 | $ 25,000 | $ 110,000 |
| Clark County Nevada | 3 | $ 493,000 | $ 164,000 | $ 42,000 |
| Clay County Florida | 2 | $ 124,000 | $ 62,000 | $ 59,000 |
| Clayton County Georgia | 9 | $ 561,000 | $ 62,000 | $ 46,000 |
| Cobb County Georgia | 200 | $ 15,536,000 | $ 77,000 | $ 84,000 |
| Collier County Florida | 3 | $ 602,000 | $ 200,000 | $ 84,000 |
| Columbia County Florida | 1 | $ 160,000 | $ 160,000 | $ 102,000 |
| Cook County Illinois | 2 | $ 263,000 | $ 131,000 | $ 73,000 |
| Coweta County Georgia | 1 | $ 35,000 | $ 35,000 | $ 22,000 |
| Cuyahoga County Ohio | 1 | $ 134,000 | $ 134,000 | $ 60,000 |
| Dauphin County Pennsylvania | 1 | $ 18,000 | $ 18,000 | $ 66,000 |
| Davidson County Tennessee | 2 | $ 144,000 | $ 72,000 | $ 55,000 |
| DeKalb County Georgia | 45 | $ 4,462,000 | $ 99,000 | $ 92,000 |
| Denver County Colorado | 1 | $ 163,000 | $ 163,000 | $ 158,000 |
| District of Columbia County District Of Columbia | 2 | $ 550,000 | $ 275,000 | $ 170,000 |
| Douglas County Georgia | 5 | $ 218,000 | $ 43,000 | $ 39,000 |
| Durham County North Carolina | 2 | $ 277,000 | $ 138,000 | $ 110,000 |
| Duval County Florida | 6 | $ 337,000 | $ 56,000 | $ 51,000 |
| El Paso County Colorado | 1 | $ 55,000 | $ 55,000 | $ 68,000 |
| Essex County New Jersey | 1 | $ 247,000 | $ 247,000 | $ 127,000 |
| Fannin County Georgia | 1 | $ 138,000 | $ 138,000 | $ 89,000 |
| Fayette County Georgia | 4 | $ 601,000 | $ 150,000 | $ 79,000 |
| Flagler County Florida | 3 | $ 383,000 | $ 127,000 | $ 75,000 |
| Forsyth County Georgia | 12 | $ 1,487,000 | $ 123,000 | $ 77,000 |
| Forsyth County North Carolina | 1 | $ 30,000 | $ 30,000 | $ 47,000 |
| Franklin County Missouri | 2 | $ 210,000 | $ 105,000 | $ 156,000 |
| Franklin County North Carolina | 1 | $ 160,000 | $ 160,000 | $ 72,000 |
| Franklin County Ohio | 1 | $ 25,000 | $ 25,000 | $ 116,000 |
| Frederick County Maryland | 1 | $ 29,000 | $ 29,000 | $ 106,000 |
| Fulton County Georgia | 74 | $ 7,359,000 | $ 99,000 | $ 80,000 |
| Gilmer County Georgia | 1 | $ 25,000 | $ 25,000 | $ 19,000 |
| Gordon County Georgia | 1 | $ 80,000 | $ 80,000 | $ 58,000 |
| Greene County Georgia | 1 | $ 100,000 | $ 100,000 | $ 201,000 |
| Guilford County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 23,000 |
| Gwinnett County Georgia | 32 | $ 3,383,000 | $ 105,000 | $ 83,000 |
| Hall County Georgia | 2 | $ 355,000 | $ 177,000 | $ 81,000 |
| Hamilton County Ohio | 1 | $ 15,000 | $ 15,000 | $ 98,000 |
| Hamilton County Tennessee | 3 | $ 173,000 | $ 57,000 | $ 256,000 |
| Haralson County Georgia | 1 | $ 20,000 | $ 20,000 | $ 30,000 |
| Harris County Texas | 1 | $ 204,000 | $ 204,000 | $ 87,000 |
| Hartford County Connecticut | 1 | $ 52,000 | $ 52,000 | $ 101,000 |
| Henry County Georgia | 3 | $ 302,000 | $ 100,000 | $ 80,000 |
| Hernando County Florida | 3 | $ 60,000 | $ 20,000 | $ 40,000 |
| Highlands County Florida | 4 | $ 301,000 | $ 75,000 | $ 93,000 |
| Hillsborough County Florida | 84 | $ 7,562,000 | $ 90,000 | $ 98,000 |
| Hinds County Mississippi | 1 | $ 21,000 | $ 21,000 | $ 94,000 |
| Horry County South Carolina | 1 | $ 123,000 | $ 123,000 | $ 86,000 |
| Indian River County Florida | 6 | $ 903,000 | $ 150,000 | $ 72,000 |
| Jefferson County Alabama | 1 | $ 10,000 | $ 10,000 | $ 76,000 |
| Johnson County Kansas | 1 | $ 40,000 | $ 40,000 | $ 108,000 |
| King County Washington | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| Knox County Tennessee | 1 | $ 20,000 | $ 20,000 | $ 53,000 |
| Lake County Florida | 7 | $ 775,000 | $ 110,000 | $ 63,000 |
| Lee County Florida | 9 | $ 1,146,000 | $ 127,000 | $ 96,000 |
| Lehigh County Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 84,000 |
| Leon County Florida | 5 | $ 551,000 | $ 110,000 | $ 97,000 |
| Litchfield County Connecticut | 1 | $ 100,000 | $ 100,000 | $ 133,000 |
| Los Angeles County California | 1 | $ 100,000 | $ 100,000 | $ 155,000 |
| Loudoun County Virginia | 2 | $ 275,000 | $ 137,000 | $ 57,000 |
| Lowndes County Mississippi | 1 | $ 81,000 | $ 81,000 | $ 74,000 |
| Lucas County Ohio | 1 | $ 30,000 | $ 30,000 | $ 37,000 |
| Manatee County Florida | 4 | $ 1,192,000 | $ 298,000 | $ 124,000 |
| Maricopa County Arizona | 1 | $ 205,000 | $ 205,000 | $ 52,000 |
| Marion County Florida | 2 | $ 413,000 | $ 206,000 | $ 80,000 |
| Martin County Florida | 15 | $ 1,222,000 | $ 81,000 | $ 59,000 |
| Martin County Kentucky | 1 | $ 97,000 | $ 97,000 | $ 51,000 |
| Mecklenburg County North Carolina | 3 | $ 489,000 | $ 163,000 | $ 121,000 |
| Mercer County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 132,000 |
| Miami-Dade County Florida | 24 | $ 2,210,000 | $ 92,000 | $ 77,000 |
| Milwaukee County Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 57,000 |
| Monroe County Florida | 3 | $ 1,593,000 | $ 531,000 | $ 263,000 |
| Monroe County Indiana | 1 | $ 53,000 | $ 53,000 | $ 14,000 |
| Monterey County California | 1 | $ 30,000 | $ 30,000 | $ 102,000 |
| Moore County North Carolina | 1 | $ 36,000 | $ 36,000 | $ 70,000 |
| Muscogee County Georgia | 3 | $ 170,000 | $ 56,000 | $ 55,000 |
| Nassau County New York | 1 | $ 40,000 | $ 40,000 | $ 62,000 |
| Natrona County Wyoming | 1 | $ 166,000 | $ 166,000 | $ 65,000 |
| New Hanover County North Carolina | 1 | $ 176,000 | $ 176,000 | $ 143,000 |
| New Haven County Connecticut | 1 | $ 40,000 | $ 40,000 | $ 156,000 |
| Newton County Georgia | 1 | $ 16,000 | $ 16,000 | $ 75,000 |
| Noble County Indiana | 1 | $ 51,000 | $ 51,000 | $ 74,000 |
| Northampton County Pennsylvania | 3 | $ 600,000 | $ 200,000 | $ 76,000 |
| Oakland County Michigan | 1 | $ 142,000 | $ 142,000 | $ 216,000 |
| Okaloosa County Florida | 1 | $ 100,000 | $ 100,000 | $ 110,000 |
| Orange County Florida | 8 | $ 732,000 | $ 91,000 | $ 101,000 |
| Osceola County Florida | 2 | $ 174,000 | $ 87,000 | $ 69,000 |
| Palm Beach County Florida | 566 | $ 55,005,000 | $ 97,000 | $ 72,000 |
| Pasco County Florida | 16 | $ 1,628,000 | $ 101,000 | $ 104,000 |
| Paulding County Georgia | 14 | $ 1,346,000 | $ 96,000 | $ 66,000 |
| Pickens County Georgia | 2 | $ 437,000 | $ 218,000 | $ 185,000 |
| Pinellas County Florida | 30 | $ 2,052,000 | $ 68,000 | $ 104,000 |
| Polk County Florida | 2 | $ 82,000 | $ 41,000 | $ 79,000 |
| Polk County Georgia | 1 | $ 113,000 | $ 113,000 | $ 145,000 |
| Prince George's County Maryland | 1 | $ 60,000 | $ 60,000 | $ 64,000 |
| Prince William County Virginia | 1 | $ 25,000 | $ 25,000 | $ 41,000 |
| Putnam County Florida | 1 | $ 40,000 | $ 40,000 | $ 99,000 |
| Putnam County Tennessee | 1 | $ 245,000 | $ 245,000 | $ 34,000 |
| Rankin County Mississippi | 1 | $ 15,000 | $ 15,000 | $ 52,000 |
| Rensselaer County New York | 1 | $ 87,000 | $ 87,000 | $ 47,000 |
| Richland County South Carolina | 2 | $ 106,000 | $ 53,000 | $ 28,000 |
| Richmond County New York | 1 | $ 20,000 | $ 20,000 | $ 54,000 |
| Riverside County California | 3 | $ 215,000 | $ 71,000 | $ 65,000 |
| Rockdale County Georgia | 2 | $ 20,000 | $ 10,000 | $ 42,000 |
| Rockingham County New Hampshire | 1 | $ 150,000 | $ 150,000 | $ 114,000 |
| Rutherford County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 51,000 |
| Sarasota County Florida | 5 | $ 1,170,000 | $ 234,000 | $ 81,000 |
| Seminole County Florida | 7 | $ 787,000 | $ 112,000 | $ 79,000 |
| Sequatchie County Tennessee | 1 | $ 20,000 | $ 20,000 | $ 87,000 |
| Shelby County Alabama | 1 | $ 164,000 | $ 164,000 | $ 52,000 |
| Shelby County Tennessee | 1 | $ 40,000 | $ 40,000 | $ 155,000 |
| St. Lucie County Florida | 35 | $ 4,048,000 | $ 115,000 | $ 75,000 |
| Stephens County Georgia | 1 | $ 55,000 | $ 55,000 | $ 63,000 |
| Stillwater County Montana | 1 | $ 100,000 | $ 100,000 | $ 43,000 |
| Suffolk County New York | 4 | $ 1,060,000 | $ 265,000 | $ 98,000 |
| Summit County Utah | 1 | $ 195,000 | $ 195,000 | $ 148,000 |
| Sumter County Florida | 2 | $ 273,000 | $ 136,000 | $ 52,000 |
| Troup County Georgia | 1 | $ 128,000 | $ 128,000 | $ 149,000 |
| Ulster County New York | 1 | $ 100,000 | $ 100,000 | $ 52,000 |
| Volusia County Florida | 6 | $ 835,000 | $ 139,000 | $ 57,000 |
| Wake County North Carolina | 4 | $ 237,000 | $ 59,000 | $ 114,000 |
| Walton County Florida | 2 | $ 144,000 | $ 72,000 | $ 62,000 |
| Washington County Oregon | 1 | $ 32,000 | $ 32,000 | $ 71,000 |
| Washington County Tennessee | 1 | $ 140,000 | $ 140,000 | $ 59,000 |
| Washington County Vermont | 1 | $ 150,000 | $ 150,000 | $ 89,000 |
| White County Georgia | 2 | $ 205,000 | $ 102,000 | $ 30,000 |
| Will County Illinois | 1 | $ 33,000 | $ 33,000 | $ 144,000 |
| Williamson County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 118,000 |
| Williamson County Texas | 1 | $ 103,000 | $ 103,000 | $ 96,000 |
| York County South Carolina | 1 | $ 35,000 | $ 35,000 | $ 128,000 |
Mortgage Loan Application Detail Totals for Ibm Southeast Emp Credit Union in 2005
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 | 1,120 | $60,882,000 | $52,178 | $275,000 | $99,714 | $1,029,000 |
| Refinancing | 368 | $58,871,000 | $115,500 | $650,000 | $81,750 | $485,000 |
| Home Purchase | 261 | $50,994,000 | $204,130 | $1,160,000 | $90,434 | $483,000 |
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 | 960 | $103,301,000 | $123,485 | $1,160,000 | $87,457 | $485,000 |
| Not Provided | 373 | $22,105,000 | $63,214 | $343,000 | $110,928 | $1,029,000 |
| Black or African American | 222 | $23,198,000 | $72,750 | $553,000 | $73,000 | $245,000 |
| Hispanic | 127 | $13,080,000 | $150,833 | $359,000 | $56,666 | $238,000 |
| Asian | 62 | $8,392,000 | $129,333 | $650,000 | $93,666 | $223,000 |
| American Indian or Alaskan Native | 3 | $427,000 | $125,500 | $197,000 | $64,000 | $86,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $244,000 | $122,000 | $143,000 | $54,000 | $61,000 |
| 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) | 1,749 | $170,747,000 | $108,777 | $1,160,000 | $91,944 | $1,029,000 |
| 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 | 1,453 | $136,557,000 | $108,727 | $1,160,000 | $86,848 | $1,029,000 |
| Application Withdrawn By Applicant | 200 | $26,079,000 | $145,812 | $650,000 | $104,562 | $485,000 |
| Application Denied By Financial Institution | 96 | $8,111,000 | $70,000 | $352,000 | $62,500 | $499,000 |
| 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 | 53 | $4,775,000 | $93,250 | $352,000 | $65,500 | $499,000 |
| Debt-To-Income Ratio | 25 | $1,973,000 | $42,750 | $296,000 | $67,000 | $144,000 |
| Collateral | 9 | $451,000 | $43,666 | $165,000 | $50,333 | $166,000 |
| Mortgage Insurance Denied | 3 | $63,000 | $21,000 | $46,000 | $67,000 | $150,000 |
| Other | 2 | $140,000 | $70,000 | $100,000 | $75,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $659,000 | $329,000 | $343,000 | $129,000 | $157,000 |
| Unverifiable Information | 1 | $30,000 | $30,000 | $30,000 | $84,000 | $84,000 |
| Credit Application Incomplete | 1 | $20,000 | $20,000 | $20,000 | $63,000 | $63,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ibm Southeast Emp Credit Union's 2005 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.
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