Ithink Financial Credit Union Mortgage Lending & HMDA Data, 2025

In 2025, Ithink Financial Credit Union of Delray Beach, FL reported 1,180 mortgage applications totaling $335.7 million, down 12% from 2024. The average application was for $284,466, and applicants reported an average income of $243,872. 58% of its applications resulted in an originated loan and 27% were denied. Its largest markets were West Palm Beach-Boca Raton-Delray Beach, FL (330), Atlanta-Sandy Springs-Roswell, GA (157) and Marietta, GA (149) (applications in parentheses).

Mortgage Company & Address Ithink Financial Credit Union
1000 Nw 17th Avenue
Delray Beach, FL 33445
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  
Total Number of Mortgage Applications 1,180
Total Mortgage Loan Application Amount $335,670,000
Average Mortgage Loan Application Amount $284,466
Highest Mortgage Loan Application Amount $7,505,000
Average Applicant Income $243,872
Highest Applicant Income $8,825,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ithink Financial Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Ithink Financial Credit Union by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Palm Beach, Florida 330 $ 99,440,000 $ 301,333 $ 292,000
Cobb, Georgia 97 $ 13,085,000 $ 134,896 $ 122,000
Broward, Florida 95 $ 23,665,000 $ 249,105 $ 253,000
St. Lucie, Florida 73 $ 11,045,000 $ 151,301 $ 121,000
Fulton, Georgia 47 $ 11,785,000 $ 250,744 $ 408,000
Indian River, Florida 38 $ 5,480,000 $ 144,210 $ 147,000
Pickens, Georgia 32 $ 3,550,000 $ 110,937 $ 104,000
Martin, Florida 31 $ 16,085,000 $ 518,870 $ 498,000
Cherokee, Georgia 28 $ 3,790,000 $ 135,357 $ 124,000
Pinellas, Florida 24 $ 5,790,000 $ 241,250 $ 123,000
Miami-Dade, Florida 22 $ 17,850,000 $ 811,363 $ 360,000
Paulding, Georgia 21 $ 2,125,000 $ 101,190 $ 120,000
DeKalb, Georgia 19 $ 2,465,000 $ 129,736 $ 132,000
Gwinnett, Georgia 14 $ 3,280,000 $ 234,285 $ 161,000
Brevard, Florida 11 $ 4,275,000 $ 388,636 $ 286,000
Forsyth, Georgia 11 $ 1,635,000 $ 148,636 $ 220,000
Henry, Georgia 11 $ 1,305,000 $ 118,636 $ 110,000
Orange, Florida 10 $ 5,930,000 $ 593,000 $ 890,000
Clayton, Georgia 8 $ 970,000 $ 121,250 $ 79,000
Duval, Florida 5 $ 1,055,000 $ 211,000 $ 92,000
Volusia, Florida 5 $ 1,865,000 $ 373,000 $ 153,000
Anne Arundel, Maryland 5 $ 3,785,000 $ 757,000 $ 338,000
Middlesex, Massachusetts 5 $ 6,145,000 $ 1,229,000 $ 481,000
Worcester, Massachusetts 5 $ 805,000 $ 161,000 $ 168,000
Loudoun, Virginia 5 $ 2,685,000 $ 537,000 $ 308,000
Maricopa, Arizona 4 $ 2,480,000 $ 620,000 $ 362,000
Collier, Florida 4 $ 3,520,000 $ 880,000 $ 459,000
Hillsborough, Florida 4 $ 2,680,000 $ 670,000 $ 211,000
Manatee, Florida 4 $ 1,650,000 $ 412,500 $ 126,000
Seminole, Florida 4 $ 920,000 $ 230,000 $ 231,000
St. Johns, Florida 4 $ 740,000 $ 185,000 $ 88,000
Fayette, Georgia 4 $ 1,140,000 $ 285,000 $ 122,000
Fairfax, Virginia 4 $ 3,060,000 $ 765,000 $ 231,000
Lake, Florida 3 $ 305,000 $ 101,666 $ 93,000
Sarasota, Florida 3 $ 1,025,000 $ 341,666 $ 110,000
Sumter, Florida 3 $ 805,000 $ 268,333 $ 162,000
Baltimore, Maryland 3 $ 2,495,000 $ 831,666 $ 344,000
Baltimore City, Maryland 3 $ 435,000 $ 145,000 $ 140,000
Montgomery, Maryland 3 $ 1,505,000 $ 501,666 $ 444,000
Norfolk, Massachusetts 3 $ 1,765,000 $ 588,333 $ 426,000
Mecklenburg, North Carolina 3 $ 1,365,000 $ 455,000 $ 171,000
Moore, North Carolina 3 $ 2,265,000 $ 755,000 $ 139,000
Wake, North Carolina 3 $ 515,000 $ 171,666 $ 172,000
Jefferson, Alabama 2 $ 120,000 $ 60,000 $ 49,000
New Castle, Delaware 2 $ 380,000 $ 190,000 $ 272,000
District of Columbia, District Of Columbia 2 $ 2,000,000 $ 1,000,000 $ 438,000
Alachua, Florida 2 $ 640,000 $ 320,000 $ 370,000
Highlands, Florida 2 $ 120,000 $ 60,000 $ 59,000
Lee, Florida 2 $ 1,880,000 $ 940,000 $ 185,000
Marion, Florida 2 $ 1,150,000 $ 575,000 $ 127,000
Pasco, Florida 2 $ 160,000 $ 80,000 $ 137,000
Bartow, Georgia 2 $ 200,000 $ 100,000 $ 111,000
Bibb, Georgia 2 $ 190,000 $ 95,000 $ 144,000
Carroll, Georgia 2 $ 210,000 $ 105,000 $ 191,000
Coweta, Georgia 2 $ 140,000 $ 70,000 $ 175,000
Gilmer, Georgia 2 $ 400,000 $ 200,000 $ 106,000
Hall, Georgia 2 $ 330,000 $ 165,000 $ 134,000
Rockdale, Georgia 2 $ 100,000 $ 50,000 $ 37,000
White, Georgia 2 $ 1,850,000 $ 925,000 $ 437,000
Cook, Illinois 2 $ 1,470,000 $ 735,000 $ 4,482,000
Lake, Indiana 2 $ 90,000 $ 45,000 $ 27,000
Howard, Maryland 2 $ 1,310,000 $ 655,000 $ 306,000
Prince George's, Maryland 2 $ 780,000 $ 390,000 $ 251,000
Queen Anne's, Maryland 2 $ 1,120,000 $ 560,000 $ 207,000
Suffolk, Massachusetts 2 $ 1,100,000 $ 550,000 $ 292,000
Clark, Nevada 2 $ 520,000 $ 260,000 $ 104,000
Bergen, New Jersey 2 $ 330,000 $ 165,000 $ 89,000
Monroe, New York 2 $ 120,000 $ 60,000 $ 71,000
Queens, New York 2 $ 330,000 $ 165,000 $ 88,000
Harnett, North Carolina 2 $ 550,000 $ 275,000 $ 196,000
Iredell, North Carolina 2 $ 360,000 $ 180,000 $ 143,000
Shelby, Tennessee 2 $ 100,000 $ 50,000 $ 93,000
Dallas, Texas 2 $ 120,000 $ 60,000 $ 116,000
Chesterfield, Virginia 2 $ 470,000 $ 235,000 $ 209,000
Cullman, Alabama 1 $ 5,000 $ 5,000 $ 66,000
Lee, Alabama 1 $ 55,000 $ 55,000 $ 80,000
Madison, Alabama 1 $ 105,000 $ 105,000 $ 62,000
Mobile, Alabama 1 $ 325,000 $ 325,000 $ 721,000
Pinal, Arizona 1 $ 1,435,000 $ 1,435,000 $ 0
Yavapai, Arizona 1 $ 595,000 $ 595,000 $ 120,000
Alameda, California 1 $ 265,000 $ 265,000 $ 100,000
San Diego, California 1 $ 2,885,000 $ 2,885,000 $ 2,062,000
San Mateo, California 1 $ 2,005,000 $ 2,005,000 $ 514,000
South Central Connecticut Planning Region, Connecticut 1 $ 285,000 $ 285,000 $ 90,000
Western Connecticut Planning Region, Connecticut 1 $ 105,000 $ 105,000 $ 83,000
Charlotte, Florida 1 $ 55,000 $ 55,000 $ 45,000
Citrus, Florida 1 $ 245,000 $ 245,000 $ 114,000
Clay, Florida 1 $ 105,000 $ 105,000 $ 425,000
Escambia, Florida 1 $ 365,000 $ 365,000 $ 297,000
Flagler, Florida 1 $ 105,000 $ 105,000 $ 84,000
Hernando, Florida 1 $ 105,000 $ 105,000 $ 70,000
Jefferson, Florida 1 $ 45,000 $ 45,000 $ 451,000
Monroe, Florida 1 $ 2,525,000 $ 2,525,000 $ 1,427,000
Nassau, Florida 1 $ 255,000 $ 255,000 $ 240,000
Baldwin, Georgia 1 $ 105,000 $ 105,000 $ 62,000
Chatham, Georgia 1 $ 355,000 $ 355,000 $ 96,000
Dawson, Georgia 1 $ 425,000 $ 425,000 $ 136,000
Douglas, Georgia 1 $ 45,000 $ 45,000 $ 140,000
Fannin, Georgia 1 $ 505,000 $ 505,000 $ 1,285,000
Floyd, Georgia 1 $ 255,000 $ 255,000 $ 147,000
Gordon, Georgia 1 $ 75,000 $ 75,000 $ 94,000
Greene, Georgia 1 $ 85,000 $ 85,000 $ 175,000
Habersham, Georgia 1 $ 495,000 $ 495,000 $ 256,000
Haralson, Georgia 1 $ 445,000 $ 445,000 $ 143,000
Lumpkin, Georgia 1 $ 85,000 $ 85,000 $ 61,000
Meriwether, Georgia 1 $ 245,000 $ 245,000 $ 220,000
Newton, Georgia 1 $ 85,000 $ 85,000 $ 100,000
Polk, Georgia 1 $ 165,000 $ 165,000 $ 116,000
Putnam, Georgia 1 $ 105,000 $ 105,000 $ 158,000
Tattnall, Georgia 1 $ 55,000 $ 55,000 $ 66,000
Wilkes, Georgia 1 $ 215,000 $ 215,000 $ 92,000
Kane, Illinois 1 $ 65,000 $ 65,000 $ 140,000
St. Clair, Illinois 1 $ 35,000 $ 35,000 $ 49,000
Hamilton, Indiana 1 $ 105,000 $ 105,000 $ 125,000
Calcasieu, Louisiana 1 $ 85,000 $ 85,000 $ 49,000
East Baton Rouge, Louisiana 1 $ 405,000 $ 405,000 $ 161,000
Orleans, Louisiana 1 $ 125,000 $ 125,000 $ 86,000
St. Tammany, Louisiana 1 $ 35,000 $ 35,000 $ 165,000
Calvert, Maryland 1 $ 545,000 $ 545,000 $ 178,000
Carroll, Maryland 1 $ 625,000 $ 625,000 $ 139,000
Charles, Maryland 1 $ 365,000 $ 365,000 $ 164,000
Kent, Maryland 1 $ 425,000 $ 425,000 $ 286,000
Talbot, Maryland 1 $ 235,000 $ 235,000 $ 99,000
Worcester, Maryland 1 $ 385,000 $ 385,000 $ 136,000
Bristol, Massachusetts 1 $ 885,000 $ 885,000 $ 179,000
Plymouth, Massachusetts 1 $ 235,000 $ 235,000 $ 190,000
Macomb, Michigan 1 $ 15,000 $ 15,000 $ 42,000
Johnson, Missouri 1 $ 455,000 $ 455,000 $ 203,000
Taney, Missouri 1 $ 325,000 $ 325,000 $ 707,000
Deer Lodge, Montana 1 $ 105,000 $ 105,000 $ 125,000
Douglas, Nebraska 1 $ 75,000 $ 75,000 $ 123,000
Washoe, Nevada 1 $ 305,000 $ 305,000 $ 0
Belknap, New Hampshire 1 $ 155,000 $ 155,000 $ 209,000
Cape May, New Jersey 1 $ 505,000 $ 505,000 $ 547,000
Dutchess, New York 1 $ 65,000 $ 65,000 $ 268,000
Suffolk, New York 1 $ 135,000 $ 135,000 $ 113,000
Brunswick, North Carolina 1 $ 505,000 $ 505,000 $ 1,824,000
Burke, North Carolina 1 $ 95,000 $ 95,000 $ 107,000
Cabarrus, North Carolina 1 $ 65,000 $ 65,000 $ 99,000
Cumberland, North Carolina 1 $ 105,000 $ 105,000 $ 88,000
Durham, North Carolina 1 $ 35,000 $ 35,000 $ 178,000
Macon, North Carolina 1 $ 605,000 $ 605,000 $ 428,000
Orange, North Carolina 1 $ 1,005,000 $ 1,005,000 $ 524,000
Union, North Carolina 1 $ 105,000 $ 105,000 $ 167,000
Tillamook, Oregon 1 $ 105,000 $ 105,000 $ 74,000
Allegheny, Pennsylvania 1 $ 605,000 $ 605,000 $ 0
Luzerne, Pennsylvania 1 $ 105,000 $ 105,000 $ 0
Montgomery, Pennsylvania 1 $ 55,000 $ 55,000 $ 229,000
Philadelphia, Pennsylvania 1 $ 375,000 $ 375,000 $ 229,000
Providence, Rhode Island 1 $ 75,000 $ 75,000 $ 28,000
Greenville, South Carolina 1 $ 105,000 $ 105,000 $ 356,000
Spartanburg, South Carolina 1 $ 15,000 $ 15,000 $ 56,000
York, South Carolina 1 $ 265,000 $ 265,000 $ 126,000
Anderson, Tennessee 1 $ 55,000 $ 55,000 $ 50,000
Fayette, Tennessee 1 $ 105,000 $ 105,000 $ 133,000
Fentress, Tennessee 1 $ 105,000 $ 105,000 $ 50,000
Rutherford, Tennessee 1 $ 105,000 $ 105,000 $ 132,000
Sumner, Tennessee 1 $ 1,445,000 $ 1,445,000 $ 418,000
Brazos, Texas 1 $ 115,000 $ 115,000 $ 515,000
Denton, Texas 1 $ 1,325,000 $ 1,325,000 $ 594,000
Ellis, Texas 1 $ 355,000 $ 355,000 $ 32,000
Harris, Texas 1 $ 425,000 $ 425,000 $ 159,000
Travis, Texas 1 $ 845,000 $ 845,000 $ 47,000
Culpeper, Virginia 1 $ 165,000 $ 165,000 $ 48,000
Fairfax City, Virginia 1 $ 865,000 $ 865,000 $ 289,000
Fauquier, Virginia 1 $ 1,865,000 $ 1,865,000 $ 427,000
Northumberland, Virginia 1 $ 205,000 $ 205,000 $ 130,000
Orange, Virginia 1 $ 295,000 $ 295,000 $ 80,000
Prince William, Virginia 1 $ 375,000 $ 375,000 $ 80,000

Mortgage Loan Application Detail Totals for Ithink Financial Credit Union in 2025

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
Cash-out Refinancing 429 $78,035,000 $181,000 $7,505,000 $198,000 $7,665,000
Home Purchase 285 $165,885,000 $582,000 $4,455,000 $351,000 $8,825,000
Refinancing 247 $56,465,000 $228,000 $2,995,000 $172,000 $2,062,000
Other Purpose 202 $32,330,000 $160,000 $1,005,000 $233,000 $4,330,000
Home Improvement 17 $2,955,000 $173,000 $605,000 $779,000 $6,197,000
Not Applicable 0 $0 $0 $0 $0 $0

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 733 $228,315,000 $311,000 $7,505,000 $257,000 $8,825,000
Black or African American 173 $28,895,000 $167,000 $3,005,000 $161,000 $3,329,000
Hispanic 131 $32,285,000 $246,000 $2,995,000 $228,000 $1,572,000
Not Provided 113 $35,635,000 $315,000 $2,525,000 $265,000 $4,274,000
Asian 25 $9,695,000 $387,000 $1,485,000 $228,000 $745,000
American Indian or Alaskan Native 3 $575,000 $191,000 $305,000 $2,195,000 $6,197,000
Native Hawaiian or Other Pacific Islander 1 $65,000 $65,000 $65,000 $68,000 $68,000
Not applicable 1 $205,000 $205,000 $205,000 $132,000 $132,000

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) 1,177 $335,005,000 $284,000 $7,505,000 $245,000 $8,825,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $290,000 $145,000 $195,000 $203,000 $319,000
FHA-insured (Federal Housing Administration) 1 $375,000 $375,000 $375,000 $92,000 $92,000
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 684 $214,370,000 $313,000 $4,455,000 $230,000 $8,825,000
Application Denied By Financial Institution 320 $53,930,000 $168,000 $3,005,000 $182,000 $4,274,000
Application Withdrawn By Applicant 167 $58,355,000 $349,000 $7,505,000 $405,000 $7,665,000
Application Approved But Not Accepted 6 $5,620,000 $936,000 $2,025,000 $584,000 $1,789,000
Preapproval Denied by Financial Institution 1 $395,000 $395,000 $395,000 $378,000 $378,000
File Closed For Incompleteness 1 $1,005,000 $1,005,000 $1,005,000 $536,000 $536,000
Loan Purchased By The Institution 1 $1,995,000 $1,995,000 $1,995,000 $753,000 $753,000
Preapproval Approved but not Accepted 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
Not applicable 859 $281,345,000 $327,000 $7,505,000 $267,000 $8,825,000
Debt-To-Income Ratio 123 $25,445,000 $206,000 $3,005,000 $92,000 $588,000
Credit Application Incomplete 103 $18,005,000 $174,000 $1,405,000 $228,000 $1,824,000
Credit History 51 $4,785,000 $93,000 $325,000 $218,000 $3,329,000
Collateral 29 $3,325,000 $114,000 $525,000 $360,000 $4,274,000
Other 7 $935,000 $133,000 $385,000 $78,000 $134,000
Unverifiable Information 7 $885,000 $126,000 $255,000 $107,000 $166,000
Insufficient Cash (Downpayment, Closing Cost) 1 $945,000 $945,000 $945,000 $371,000 $371,000
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 Ithink Financial Credit Union's 2025 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 Ithink Financial 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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