Ithink Financial Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019

Ithink Financial Credit Union 2019 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 1,739
Total Mortgage Loan Application Amount $217,425,000
Average Mortgage Loan Application Amount $122,800
Highest Mortgage Loan Application Amount $3,925,000
Average Applicant Income $92,200
Highest Applicant Income $3,995,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.

Mortgage Loan Application Totals for Ithink Financial Credit Union by County in 2019

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 483 $ 63,235,000 $ 130,000 $ 108,000
Broward County Florida 211 $ 25,745,000 $ 122,000 $ 133,000
Cobb County Georgia 195 $ 20,145,000 $ 103,000 $ 95,000
St. Lucie County Florida 109 $ 11,775,000 $ 108,000 $ 82,000
Cherokee County Georgia 69 $ 7,595,000 $ 110,000 $ 90,000
Fulton County Georgia 64 $ 10,440,000 $ 163,000 $ 133,000
Miami-Dade County Florida 46 $ 5,000,000 $ 108,000 $ 124,000
DeKalb County Georgia 39 $ 5,255,000 $ 134,000 $ 123,000
Gwinnett County Georgia 38 $ 6,100,000 $ 160,000 $ 148,000
Paulding County Georgia 29 $ 2,475,000 $ 85,000 $ 78,000
Clayton County Georgia 25 $ 1,545,000 $ 61,000 $ 64,000
Hillsborough County Florida 24 $ 1,820,000 $ 75,000 $ 149,000
Pickens County Georgia 23 $ 1,715,000 $ 74,000 $ 83,000
Worcester County Massachusetts 22 $ 4,570,000 $ 207,000 $ 91,000
Forsyth County Georgia 19 $ 2,625,000 $ 138,000 $ 105,000
Indian River County Florida 18 $ 2,000,000 $ 111,000 $ 96,000
Martin County Florida 18 $ 3,110,000 $ 172,000 $ 163,000
Pinellas County Florida 17 $ 2,315,000 $ 136,000 $ 142,000
Douglas County Georgia 11 $ 935,000 $ 85,000 $ 104,000
Henry County Georgia 10 $ 1,100,000 $ 110,000 $ 93,000
Orange County Florida 9 $ 1,415,000 $ 157,000 $ 142,000
Pasco County Florida 7 $ 785,000 $ 112,000 $ 99,000
Bartow County Georgia 7 $ 895,000 $ 127,000 $ 95,000
Coweta County Georgia 7 $ 1,095,000 $ 156,000 $ 95,000
Fayette County Georgia 7 $ 695,000 $ 99,000 $ 159,000
Lake County Florida 6 $ 570,000 $ 95,000 $ 82,000
Sarasota County Florida 6 $ 590,000 $ 98,000 $ 98,000
Seminole County Florida 6 $ 750,000 $ 125,000 $ 117,000
Brevard County Florida 5 $ 515,000 $ 103,000 $ 131,000
Volusia County Florida 5 $ 1,095,000 $ 219,000 $ 125,000
Los Angeles County California 4 $ 930,000 $ 232,000 $ 125,000
Polk County Florida 4 $ 220,000 $ 55,000 $ 72,000
Carroll County Georgia 4 $ 200,000 $ 50,000 $ 80,000
Wake County North Carolina 4 $ 1,450,000 $ 362,000 $ 230,000
Jefferson County Alabama 3 $ 425,000 $ 141,000 $ 45,000
Windham County Connecticut 3 $ 655,000 $ 218,000 $ 225,000
Charlotte County Florida 3 $ 605,000 $ 201,000 $ 168,000
Duval County Florida 3 $ 295,000 $ 98,000 $ 101,000
St. Johns County Florida 3 $ 195,000 $ 65,000 $ 58,000
Columbia County Georgia 3 $ 165,000 $ 55,000 $ 35,000
Dawson County Georgia 3 $ 185,000 $ 61,000 $ 126,000
Gilmer County Georgia 3 $ 285,000 $ 95,000 $ 122,000
Rockdale County Georgia 3 $ 235,000 $ 78,000 $ 86,000
Cook County Illinois 3 $ 295,000 $ 98,000 $ 108,000
Prince George's County Maryland 3 $ 485,000 $ 161,000 $ 67,000
Hampden County Massachusetts 3 $ 725,000 $ 241,000 $ 101,000
Middlesex County Massachusetts 3 $ 1,405,000 $ 468,000 $ 109,000
Jasper County South Carolina 3 $ 385,000 $ 128,000 $ 104,000
Harris County Texas 3 $ 375,000 $ 125,000 $ 82,000
Cherokee County Alabama 2 $ 260,000 $ 130,000 $ 123,000
Maricopa County Arizona 2 $ 170,000 $ 85,000 $ 134,000
Solano County California 2 $ 160,000 $ 80,000 $ 78,000
Citrus County Florida 2 $ 160,000 $ 80,000 $ 87,000
Escambia County Florida 2 $ 260,000 $ 130,000 $ 89,000
Hernando County Florida 2 $ 390,000 $ 195,000 $ 107,000
Manatee County Florida 2 $ 320,000 $ 160,000 $ 292,000
Bibb County Georgia 2 $ 120,000 $ 60,000 $ 146,000
Gordon County Georgia 2 $ 290,000 $ 145,000 $ 54,000
Hall County Georgia 2 $ 100,000 $ 50,000 $ 111,000
Jackson County Georgia 2 $ 240,000 $ 120,000 $ 79,000
Montgomery County Maryland 2 $ 720,000 $ 360,000 $ 257,000
Hampshire County Massachusetts 2 $ 240,000 $ 120,000 $ 113,000
Atlantic County New Jersey 2 $ 230,000 $ 115,000 $ 295,000
Monmouth County New Jersey 2 $ 130,000 $ 65,000 $ 192,000
Durham County North Carolina 2 $ 510,000 $ 255,000 $ 248,000
Jackson County North Carolina 2 $ 140,000 $ 70,000 $ 97,000
Mecklenburg County North Carolina 2 $ 70,000 $ 35,000 $ 155,000
New Hanover County North Carolina 2 $ 260,000 $ 130,000 $ 191,000
Yancey County North Carolina 2 $ 430,000 $ 215,000 $ 89,000
Davidson County Tennessee 2 $ 100,000 $ 50,000 $ 40,000
Houston County Alabama 1 $ 25,000 $ 25,000 $ 115,000
Randolph County Alabama 1 $ 215,000 $ 215,000 $ 148,000
Shelby County Alabama 1 $ 105,000 $ 105,000 $ 58,000
Izard County Arkansas 1 $ 25,000 $ 25,000 $ 60,000
Orange County California 1 $ 75,000 $ 75,000 $ 162,000
San Benito County California 1 $ 75,000 $ 75,000 $ 87,000
San Bernardino County California 1 $ 105,000 $ 105,000 $ 213,000
Santa Clara County California 1 $ 675,000 $ 675,000 $ 155,000
Sonoma County California 1 $ 375,000 $ 375,000 $ 269,000
Adams County Colorado 1 $ 65,000 $ 65,000 $ 130,000
Garfield County Colorado 1 $ 25,000 $ 25,000 $ 48,000
Bay County Florida 1 $ 65,000 $ 65,000 $ 62,000
Clay County Florida 1 $ 105,000 $ 105,000 $ 69,000
Collier County Florida 1 $ 285,000 $ 285,000 $ 179,000
Columbia County Florida 1 $ 185,000 $ 185,000 $ 70,000
Flagler County Florida 1 $ 105,000 $ 105,000 $ 127,000
Franklin County Florida 1 $ 245,000 $ 245,000 $ 84,000
Hendry County Florida 1 $ 65,000 $ 65,000 $ 87,000
Lee County Florida 1 $ 215,000 $ 215,000 $ 52,000
Leon County Florida 1 $ 25,000 $ 25,000 $ 64,000
Osceola County Florida 1 $ 355,000 $ 355,000 $ 264,000
Santa Rosa County Florida 1 $ 65,000 $ 65,000 $ 35,000
Barrow County Georgia 1 $ 45,000 $ 45,000 $ 199,000
Bryan County Georgia 1 $ 185,000 $ 185,000 $ 62,000
Butts County Georgia 1 $ 15,000 $ 15,000 $ 80,000
Clarke County Georgia 1 $ 135,000 $ 135,000 $ 148,000
Dade County Georgia 1 $ 65,000 $ 65,000 $ 104,000
Dougherty County Georgia 1 $ 115,000 $ 115,000 $ 37,000
Evans County Georgia 1 $ 45,000 $ 45,000 $ 84,000
Floyd County Georgia 1 $ 55,000 $ 55,000 $ 61,000
Haralson County Georgia 1 $ 65,000 $ 65,000 $ 86,000
Lee County Georgia 1 $ 225,000 $ 225,000 $ 91,000
Morgan County Georgia 1 $ 395,000 $ 395,000 $ 146,000
Oconee County Georgia 1 $ 105,000 $ 105,000 $ 127,000
Polk County Georgia 1 $ 105,000 $ 105,000 $ 41,000
Spalding County Georgia 1 $ 105,000 $ 105,000 $ 61,000
Ware County Georgia 1 $ 25,000 $ 25,000 $ 15,000
White County Georgia 1 $ 195,000 $ 195,000 $ 259,000
DuPage County Illinois 1 $ 65,000 $ 65,000 $ 136,000
Jackson County Illinois 1 $ 235,000 $ 235,000 $ 74,000
Lake County Illinois 1 $ 55,000 $ 55,000 $ 178,000
Monroe County Illinois 1 $ 75,000 $ 75,000 $ 97,000
Dearborn County Indiana 1 $ 185,000 $ 185,000 $ 75,000
Johnson County Kansas 1 $ 55,000 $ 55,000 $ 146,000
Lafayette County Louisiana 1 $ 35,000 $ 35,000 $ 53,000
St. Tammany County Louisiana 1 $ 115,000 $ 115,000 $ 40,000
Howard County Maryland 1 $ 35,000 $ 35,000 $ 151,000
Norfolk County Massachusetts 1 $ 345,000 $ 345,000 $ 150,000
Kent County Michigan 1 $ 25,000 $ 25,000 $ 77,000
Lapeer County Michigan 1 $ 165,000 $ 165,000 $ 90,000
Macomb County Michigan 1 $ 345,000 $ 345,000 $ 184,000
Oakland County Michigan 1 $ 35,000 $ 35,000 $ 131,000
Hennepin County Minnesota 1 $ 25,000 $ 25,000 $ 60,000
Wright County Minnesota 1 $ 15,000 $ 15,000 $ 80,000
Lowndes County Mississippi 1 $ 85,000 $ 85,000 $ 139,000
Winston County Mississippi 1 $ 45,000 $ 45,000 $ 54,000
Jefferson County Missouri 1 $ 295,000 $ 295,000 $ 170,000
St. Louis City County Missouri 1 $ 25,000 $ 25,000 $ 126,000
Sarpy County Nebraska 1 $ 215,000 $ 215,000 $ 151,000
Clark County Nevada 1 $ 355,000 $ 355,000 $ 163,000
Merrimack County New Hampshire 1 $ 35,000 $ 35,000 $ 90,000
Strafford County New Hampshire 1 $ 85,000 $ 85,000 $ 91,000
Burlington County New Jersey 1 $ 325,000 $ 325,000 $ 86,000
Hudson County New Jersey 1 $ 155,000 $ 155,000 $ 66,000
Hunterdon County New Jersey 1 $ 75,000 $ 75,000 $ 70,000
Somerset County New Jersey 1 $ 375,000 $ 375,000 $ 135,000
Delaware County New York 1 $ 75,000 $ 75,000 $ 72,000
Erie County New York 1 $ 105,000 $ 105,000 $ 86,000
Monroe County New York 1 $ 155,000 $ 155,000 $ 157,000
Nassau County New York 1 $ 105,000 $ 105,000 $ 50,000
Cabarrus County North Carolina 1 $ 295,000 $ 295,000 $ 144,000
Catawba County North Carolina 1 $ 85,000 $ 85,000 $ 147,000
Chatham County North Carolina 1 $ 105,000 $ 105,000 $ 58,000
Cherokee County North Carolina 1 $ 135,000 $ 135,000 $ 47,000
Clay County North Carolina 1 $ 95,000 $ 95,000 $ 40,000
Iredell County North Carolina 1 $ 535,000 $ 535,000 $ 285,000
Rowan County North Carolina 1 $ 65,000 $ 65,000 $ 71,000
Union County North Carolina 1 $ 75,000 $ 75,000 $ 173,000
Hamilton County Ohio 1 $ 25,000 $ 25,000 $ 86,000
Multnomah County Oregon 1 $ 105,000 $ 105,000 $ 193,000
Bucks County Pennsylvania 1 $ 165,000 $ 165,000 $ 183,000
Erie County Pennsylvania 1 $ 145,000 $ 145,000 $ 125,000
Northampton County Pennsylvania 1 $ 285,000 $ 285,000 $ 167,000
Philadelphia County Pennsylvania 1 $ 55,000 $ 55,000 $ 67,000
Charleston County South Carolina 1 $ 205,000 $ 205,000 $ 210,000
Georgetown County South Carolina 1 $ 435,000 $ 435,000 $ 135,000
Greenville County South Carolina 1 $ 185,000 $ 185,000 $ 166,000
Pickens County South Carolina 1 $ 5,000 $ 5,000 $ 152,000
York County South Carolina 1 $ 55,000 $ 55,000 $ 110,000
Franklin County Tennessee 1 $ 205,000 $ 205,000 $ 136,000
Knox County Tennessee 1 $ 105,000 $ 105,000 $ 137,000
Loudon County Tennessee 1 $ 355,000 $ 355,000 $ 163,000
Madison County Tennessee 1 $ 85,000 $ 85,000 $ 45,000
Putnam County Tennessee 1 $ 265,000 $ 265,000 $ 45,000
Rutherford County Tennessee 1 $ 55,000 $ 55,000 $ 80,000
Shelby County Tennessee 1 $ 185,000 $ 185,000 $ 126,000
Williamson County Tennessee 1 $ 55,000 $ 55,000 $ 151,000
Brazoria County Texas 1 $ 205,000 $ 205,000 $ 179,000
Utah County Utah 1 $ 65,000 $ 65,000 $ 154,000
Henrico County Virginia 1 $ 55,000 $ 55,000 $ 211,000
Roanoke County Virginia 1 $ 335,000 $ 335,000 $ 214,000

Mortgage Loan Application Detail Totals for Ithink Financial Credit Union in 2019

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 1,339 $130,065,000 $97,000 $675,000 $109,000 $3,995,000
Home Purchase 317 $72,095,000 $227,000 $3,925,000 $116,000 $925,000
Refinancing 79 $15,055,000 $190,000 $475,000 $122,000 $421,000
Other Purpose 3 $165,000 $55,000 $155,000 $60,000 $154,000
Home Improvement 1 $45,000 $45,000 $45,000 $54,000 $54,000
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 1,069 $140,595,000 $131,000 $3,925,000 $117,000 $3,995,000
Black or African American 290 $32,980,000 $113,000 $535,000 $90,000 $387,000
Hispanic 208 $24,200,000 $116,000 $745,000 $104,000 $591,000
Not Provided 115 $11,865,000 $103,000 $555,000 $108,000 $1,428,000
Asian 55 $7,585,000 $137,000 $675,000 $124,000 $396,000
American Indian or Alaskan Native 1 $95,000 $95,000 $95,000 $239,000 $239,000
Not applicable 1 $105,000 $105,000 $105,000 $58,000 $58,000
Native Hawaiian or Other Pacific Islander 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) 1,731 $216,405,000 $125,000 $3,925,000 $110,000 $3,995,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 4 $680,000 $170,000 $355,000 $96,000 $163,000
FHA-insured (Federal Housing Administration) 3 $265,000 $88,000 $125,000 $401,000 $1,005,000
VA-guaranteed (Veterans Administration) 1 $75,000 $75,000 $75,000 $48,000 $48,000

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 1,244 $150,880,000 $121,000 $3,925,000 $112,000 $3,995,000
Application Denied By Financial Institution 284 $33,430,000 $117,000 $675,000 $86,000 $1,005,000
Application Withdrawn By Applicant 200 $31,920,000 $159,000 $1,505,000 $138,000 $1,428,000
Application Approved But Not Accepted 11 $1,195,000 $108,000 $265,000 $103,000 $293,000
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
Not applicable 1,455 $183,995,000 $126,000 $3,925,000 $116,000 $3,995,000
Debt-To-Income Ratio 104 $11,450,000 $110,000 $505,000 $67,000 $235,000
Other 43 $4,795,000 $111,000 $405,000 $98,000 $273,000
Credit Application Incomplete 40 $6,240,000 $156,000 $675,000 $122,000 $1,005,000
Collateral 39 $4,385,000 $112,000 $555,000 $98,000 $420,000
Credit History 37 $4,225,000 $114,000 $425,000 $90,000 $435,000
Unverifiable Information 12 $1,280,000 $106,000 $245,000 $61,000 $144,000
Employment History 6 $870,000 $145,000 $225,000 $55,000 $113,000
Insufficient Cash (Downpayment, Closing Cost) 3 $185,000 $61,000 $155,000 $29,000 $37,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Ithink Financial Credit Union's 2019 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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