Ithink Financial Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Ithink Financial Credit Union 2016 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 | Ithink Financial Credit Union 1000 Nw 17Th Avenue Delray Beach, FL 33445 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 |
| Total Number of Mortgage Applications | 1,168 |
| Total Mortgage Loan Application Amount | $151,061,000 |
| Average Mortgage Loan Application Amount | $131,333 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $107,333 |
| Highest Applicant Income | $2,190,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 with Ithink Financial 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 Ithink Financial Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2016 breaks down Ithink Financial 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 Ithink Financial Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Ithink Financial 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 Ithink Financial Credit Union's mortgage activity for 2016.
| 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 | 357 | $ 47,899,000 | $ 134,000 | $ 112,000 |
| Cobb County Georgia | 158 | $ 19,712,000 | $ 124,000 | $ 100,000 |
| Broward County Florida | 108 | $ 13,240,000 | $ 122,000 | $ 98,000 |
| St. Lucie County Florida | 75 | $ 6,167,000 | $ 82,000 | $ 66,000 |
| Fulton County Georgia | 56 | $ 9,140,000 | $ 163,000 | $ 136,000 |
| Cherokee County Georgia | 44 | $ 5,518,000 | $ 125,000 | $ 103,000 |
| DeKalb County Georgia | 31 | $ 4,126,000 | $ 133,000 | $ 102,000 |
| Gwinnett County Georgia | 26 | $ 4,067,000 | $ 156,000 | $ 102,000 |
| Hillsborough County Florida | 20 | $ 2,100,000 | $ 105,000 | $ 121,000 |
| Miami-Dade County Florida | 18 | $ 4,404,000 | $ 244,000 | $ 227,000 |
| Paulding County Georgia | 17 | $ 926,000 | $ 54,000 | $ 95,000 |
| Clayton County Georgia | 15 | $ 764,000 | $ 50,000 | $ 63,000 |
| Forsyth County Georgia | 15 | $ 2,942,000 | $ 196,000 | $ 125,000 |
| Martin County Florida | 14 | $ 2,469,000 | $ 176,000 | $ 118,000 |
| Pinellas County Florida | 14 | $ 2,045,000 | $ 146,000 | $ 275,000 |
| Pickens County Georgia | 10 | $ 634,000 | $ 63,000 | $ 83,000 |
| Douglas County Georgia | 9 | $ 1,149,000 | $ 127,000 | $ 67,000 |
| Pasco County Florida | 8 | $ 494,000 | $ 61,000 | $ 73,000 |
| Gilmer County Georgia | 7 | $ 544,000 | $ 77,000 | $ 84,000 |
| Indian River County Florida | 6 | $ 940,000 | $ 156,000 | $ 87,000 |
| Wake County North Carolina | 6 | $ 779,000 | $ 129,000 | $ 102,000 |
| Lee County Florida | 5 | $ 444,000 | $ 88,000 | $ 43,000 |
| Orange County Florida | 5 | $ 700,000 | $ 140,000 | $ 92,000 |
| Lake County Florida | 4 | $ 380,000 | $ 95,000 | $ 61,000 |
| Volusia County Florida | 4 | $ 409,000 | $ 102,000 | $ 173,000 |
| Fayette County Georgia | 4 | $ 303,000 | $ 75,000 | $ 78,000 |
| Henry County Georgia | 4 | $ 534,000 | $ 133,000 | $ 50,000 |
| Maricopa County Arizona | 3 | $ 593,000 | $ 197,000 | $ 66,000 |
| Bay County Florida | 3 | $ 252,000 | $ 84,000 | $ 123,000 |
| Sarasota County Florida | 3 | $ 430,000 | $ 143,000 | $ 46,000 |
| Coweta County Georgia | 3 | $ 441,000 | $ 147,000 | $ 186,000 |
| Hall County Georgia | 3 | $ 415,000 | $ 138,000 | $ 176,000 |
| Fairfax County Virginia | 3 | $ 1,094,000 | $ 364,000 | $ 126,000 |
| Bibb County Alabama | 2 | $ 82,000 | $ 41,000 | $ 54,000 |
| Jefferson County Alabama | 2 | $ 244,000 | $ 122,000 | $ 81,000 |
| Alameda County California | 2 | $ 300,000 | $ 150,000 | $ 212,000 |
| Marion County Florida | 2 | $ 307,000 | $ 153,000 | $ 78,000 |
| Monroe County Florida | 2 | $ 951,000 | $ 475,000 | $ 226,000 |
| Polk County Florida | 2 | $ 134,000 | $ 67,000 | $ 115,000 |
| Seminole County Florida | 2 | $ 218,000 | $ 109,000 | $ 175,000 |
| Bartow County Georgia | 2 | $ 143,000 | $ 71,000 | $ 62,000 |
| Catoosa County Georgia | 2 | $ 83,000 | $ 41,000 | $ 69,000 |
| Dawson County Georgia | 2 | $ 128,000 | $ 64,000 | $ 56,000 |
| Fannin County Georgia | 2 | $ 262,000 | $ 131,000 | $ 96,000 |
| Haralson County Georgia | 2 | $ 192,000 | $ 96,000 | $ 92,000 |
| Lumpkin County Georgia | 2 | $ 235,000 | $ 117,000 | $ 50,000 |
| Newton County Georgia | 2 | $ 193,000 | $ 96,000 | $ 120,000 |
| Cabarrus County North Carolina | 2 | $ 362,000 | $ 181,000 | $ 160,000 |
| Davidson County Tennessee | 2 | $ 588,000 | $ 294,000 | $ 120,000 |
| Salt Lake County Utah | 2 | $ 173,000 | $ 86,000 | $ 87,000 |
| Baldwin County Alabama | 1 | $ 100,000 | $ 100,000 | $ 210,000 |
| Shelby County Alabama | 1 | $ 136,000 | $ 136,000 | $ 94,000 |
| Coconino County Arizona | 1 | $ 85,000 | $ 85,000 | $ 246,000 |
| Yavapai County Arizona | 1 | $ 75,000 | $ 75,000 | $ 90,000 |
| San Diego County California | 1 | $ 100,000 | $ 100,000 | $ 180,000 |
| San Luis Obispo County California | 1 | $ 100,000 | $ 100,000 | $ 179,000 |
| Adams County Colorado | 1 | $ 276,000 | $ 276,000 | $ 113,000 |
| Arapahoe County Colorado | 1 | $ 52,000 | $ 52,000 | $ 157,000 |
| Kent County Delaware | 1 | $ 280,000 | $ 280,000 | $ 67,000 |
| Alachua County Florida | 1 | $ 50,000 | $ 50,000 | $ 118,000 |
| Brevard County Florida | 1 | $ 150,000 | $ 150,000 | $ 117,000 |
| Citrus County Florida | 1 | $ 140,000 | $ 140,000 | $ 195,000 |
| Collier County Florida | 1 | $ 700,000 | $ 700,000 | $ 417,000 |
| Duval County Florida | 1 | $ 57,000 | $ 57,000 | $ 43,000 |
| Flagler County Florida | 1 | $ 60,000 | $ 60,000 | $ 147,000 |
| Hernando County Florida | 1 | $ 180,000 | $ 180,000 | $ 133,000 |
| Highlands County Florida | 1 | $ 68,000 | $ 68,000 | $ 52,000 |
| Leon County Florida | 1 | $ 312,000 | $ 312,000 | $ 91,000 |
| Nassau County Florida | 1 | $ 73,000 | $ 73,000 | $ 148,000 |
| Okeechobee County Florida | 1 | $ 110,000 | $ 110,000 | $ 20,000 |
| Osceola County Florida | 1 | $ 333,000 | $ 333,000 | $ 184,000 |
| Putnam County Florida | 1 | $ 115,000 | $ 115,000 | $ 121,000 |
| Sumter County Florida | 1 | $ 100,000 | $ 100,000 | $ 54,000 |
| Butts County Georgia | 1 | $ 132,000 | $ 132,000 | $ 27,000 |
| Clarke County Georgia | 1 | $ 105,000 | $ 105,000 | $ 71,000 |
| Glynn County Georgia | 1 | $ 50,000 | $ 50,000 | $ 122,000 |
| Lee County Georgia | 1 | $ 150,000 | $ 150,000 | $ 50,000 |
| Peach County Georgia | 1 | $ 200,000 | $ 200,000 | $ 103,000 |
| Sumter County Georgia | 1 | $ 72,000 | $ 72,000 | $ 35,000 |
| Upson County Georgia | 1 | $ 187,000 | $ 187,000 | $ 113,000 |
| Walton County Georgia | 1 | $ 130,000 | $ 130,000 | $ 145,000 |
| Whitfield County Georgia | 1 | $ 114,000 | $ 114,000 | $ 63,000 |
| Allen County Indiana | 1 | $ 209,000 | $ 209,000 | $ 58,000 |
| Hamilton County Indiana | 1 | $ 276,000 | $ 276,000 | $ 102,000 |
| Marion County Indiana | 1 | $ 97,000 | $ 97,000 | $ 200,000 |
| Jefferson County Kentucky | 1 | $ 30,000 | $ 30,000 | $ 78,000 |
| Morgan County Kentucky | 1 | $ 30,000 | $ 30,000 | $ 74,000 |
| Allen County Louisiana | 1 | $ 120,000 | $ 120,000 | $ 40,000 |
| Cumberland County Maine | 1 | $ 22,000 | $ 22,000 | $ 116,000 |
| Anne Arundel County Maryland | 1 | $ 49,000 | $ 49,000 | $ 85,000 |
| Middlesex County Massachusetts | 1 | $ 100,000 | $ 100,000 | $ 84,000 |
| Plymouth County Massachusetts | 1 | $ 35,000 | $ 35,000 | $ 78,000 |
| Livingston County Michigan | 1 | $ 243,000 | $ 243,000 | $ 96,000 |
| Macomb County Michigan | 1 | $ 37,000 | $ 37,000 | $ 48,000 |
| Oakland County Michigan | 1 | $ 143,000 | $ 143,000 | $ 68,000 |
| Wayne County Michigan | 1 | $ 176,000 | $ 176,000 | $ 88,000 |
| Harrison County Mississippi | 1 | $ 15,000 | $ 15,000 | $ 118,000 |
| Jackson County Missouri | 1 | $ 168,000 | $ 168,000 | $ 64,000 |
| Gallatin County Montana | 1 | $ 152,000 | $ 152,000 | $ 34,000 |
| Douglas County Nebraska | 1 | $ 100,000 | $ 100,000 | $ 64,000 |
| Erie County New York | 1 | $ 150,000 | $ 150,000 | $ 78,000 |
| Onondaga County New York | 1 | $ 336,000 | $ 336,000 | $ 99,000 |
| Brunswick County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 93,000 |
| Durham County North Carolina | 1 | $ 179,000 | $ 179,000 | $ 115,000 |
| Forsyth County North Carolina | 1 | $ 164,000 | $ 164,000 | $ 61,000 |
| Gaston County North Carolina | 1 | $ 10,000 | $ 10,000 | $ 116,000 |
| Iredell County North Carolina | 1 | $ 174,000 | $ 174,000 | $ 65,000 |
| Mecklenburg County North Carolina | 1 | $ 20,000 | $ 20,000 | $ 76,000 |
| Wayne County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 103,000 |
| Brown County Ohio | 1 | $ 70,000 | $ 70,000 | $ 38,000 |
| Lorain County Ohio | 1 | $ 62,000 | $ 62,000 | $ 40,000 |
| Montgomery County Ohio | 1 | $ 71,000 | $ 71,000 | $ 125,000 |
| Multnomah County Oregon | 1 | $ 50,000 | $ 50,000 | $ 184,000 |
| Berks County Pennsylvania | 1 | $ 321,000 | $ 321,000 | $ 165,000 |
| Northampton County Pennsylvania | 1 | $ 280,000 | $ 280,000 | $ 180,000 |
| Oconee County South Carolina | 1 | $ 357,000 | $ 357,000 | $ 79,000 |
| York County South Carolina | 1 | $ 89,000 | $ 89,000 | $ 119,000 |
| Hamilton County Tennessee | 1 | $ 50,000 | $ 50,000 | $ 78,000 |
| Knox County Tennessee | 1 | $ 20,000 | $ 20,000 | $ 129,000 |
| Williamson County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 66,000 |
| Bexar County Texas | 1 | $ 144,000 | $ 144,000 | $ 191,000 |
| Dallas County Texas | 1 | $ 40,000 | $ 40,000 | $ 47,000 |
| Williamson County Texas | 1 | $ 152,000 | $ 152,000 | $ 49,000 |
| Henrico County Virginia | 1 | $ 396,000 | $ 396,000 | $ 181,000 |
| Pulaski County Virginia | 1 | $ 28,000 | $ 28,000 | $ 39,000 |
| Dane County Wisconsin | 1 | $ 150,000 | $ 150,000 | $ 64,000 |
Mortgage Loan Application Detail Totals for Ithink Financial Credit Union in 2016
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 | 535 | $74,101,000 | $138,000 | $700,000 | $108,000 | $2,190,000 |
| Home Improvement | 351 | $23,196,000 | $66,000 | $500,000 | $110,000 | $484,000 |
| Home Purchase | 282 | $53,764,000 | $190,000 | $1,200,000 | $104,000 | $1,450,000 |
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 | 733 | $93,630,000 | $127,000 | $1,200,000 | $112,000 | $2,190,000 |
| Black or African American | 187 | $21,651,000 | $115,000 | $575,000 | $93,000 | $1,450,000 |
| Not Provided | 118 | $18,419,000 | $156,000 | $475,000 | $108,000 | $375,000 |
| Hispanic | 101 | $12,709,000 | $125,000 | $556,000 | $99,000 | $484,000 |
| Asian | 25 | $4,400,000 | $176,000 | $637,000 | $121,000 | $229,000 |
| American Indian or Alaskan Native | 4 | $252,000 | $63,000 | $154,000 | $106,000 | $156,000 |
| Native Hawaiin 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) | 1,159 | $149,139,000 | $128,000 | $1,200,000 | $107,000 | $2,190,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $1,558,000 | $259,000 | $500,000 | $141,000 | $484,000 |
| FHA-insured (Federal Housing Administration) | 3 | $364,000 | $121,000 | $264,000 | $118,000 | $168,000 |
| 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 | 840 | $108,732,000 | $129,000 | $1,200,000 | $109,000 | $1,450,000 |
| Application Denied By Financial Institution | 212 | $24,918,000 | $117,000 | $507,000 | $102,000 | $2,190,000 |
| Application Withdrawn By Applicant | 98 | $13,412,000 | $136,000 | $438,000 | $103,000 | $650,000 |
| Application Approved But Not Accepted | 11 | $2,244,000 | $204,000 | $680,000 | $128,000 | $215,000 |
| File Closed For Incompleteness | 7 | $1,755,000 | $250,000 | $475,000 | $149,000 | $375,000 |
| 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 History | 51 | $5,876,000 | $115,000 | $507,000 | $85,000 | $430,000 |
| Debt-To-Income Ratio | 48 | $4,981,000 | $103,000 | $287,000 | $53,000 | $216,000 |
| Credit Application Incomplete | 33 | $5,126,000 | $155,000 | $500,000 | $223,000 | $2,190,000 |
| Collateral | 27 | $2,114,000 | $78,000 | $342,000 | $86,000 | $169,000 |
| Unverifiable Information | 24 | $2,785,000 | $116,000 | $312,000 | $91,000 | $150,000 |
| Other | 9 | $958,000 | $106,000 | $224,000 | $96,000 | $134,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $511,000 | $102,000 | $180,000 | $41,000 | $70,000 |
| Employment History | 2 | $171,000 | $85,000 | $136,000 | $41,000 | $64,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ithink Financial Credit Union's 2016 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.
For a list of all lenders in Florida, download the full spreadsheet
with aggregated HMDA statistics today.