Ithink Financial Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023

Ithink Financial Credit Union 2023 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 1,320
Total Mortgage Loan Application Amount $274,140,000
Average Mortgage Loan Application Amount $220,000
Highest Mortgage Loan Application Amount $2,805,000
Average Applicant Income $210,000
Highest Applicant Income $8,827,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.

Mortgage Loan Application Totals for Ithink Financial Credit Union by County in 2023

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 391 $ 79,985,000 $ 204,000 $ 224,000
Broward County Florida 115 $ 20,305,000 $ 176,000 $ 207,000
St. Lucie County Florida 92 $ 11,240,000 $ 122,000 $ 140,000
Cobb County Georgia 88 $ 9,140,000 $ 103,000 $ 165,000
Indian River County Florida 49 $ 8,105,000 $ 165,000 $ 102,000
Fulton County Georgia 48 $ 8,640,000 $ 180,000 $ 209,000
Miami-Dade County Florida 41 $ 16,075,000 $ 392,000 $ 389,000
Martin County Florida 29 $ 10,285,000 $ 354,000 $ 282,000
Cherokee County Georgia 27 $ 3,285,000 $ 121,000 $ 150,000
DeKalb County Georgia 21 $ 2,775,000 $ 132,000 $ 542,000
Paulding County Georgia 21 $ 2,015,000 $ 95,000 $ 107,000
Hillsborough County Florida 20 $ 4,510,000 $ 225,000 $ 162,000
Pickens County Georgia 18 $ 1,880,000 $ 104,000 $ 87,000
Clayton County Georgia 17 $ 1,485,000 $ 87,000 $ 71,000
Forsyth County Georgia 16 $ 2,260,000 $ 141,000 $ 132,000
Orange County Florida 15 $ 7,235,000 $ 482,000 $ 283,000
Gwinnett County Georgia 15 $ 2,155,000 $ 143,000 $ 117,000
Brevard County Florida 14 $ 4,220,000 $ 301,000 $ 172,000
Henry County Georgia 12 $ 1,130,000 $ 94,000 $ 303,000
Pinellas County Florida 11 $ 1,325,000 $ 120,000 $ 103,000
Lake County Florida 9 $ 2,635,000 $ 292,000 $ 173,000
Sarasota County Florida 8 $ 4,060,000 $ 507,000 $ 260,000
Volusia County Florida 8 $ 3,060,000 $ 382,000 $ 192,000
Worcester County Maryland 7 $ 1,385,000 $ 197,000 $ 201,000
Seminole County Florida 6 $ 2,400,000 $ 400,000 $ 262,000
Douglas County Georgia 6 $ 490,000 $ 81,000 $ 136,000
Duval County Florida 5 $ 1,795,000 $ 359,000 $ 373,000
Polk County Florida 5 $ 1,335,000 $ 267,000 $ 211,000
Bartow County Georgia 5 $ 555,000 $ 111,000 $ 85,000
Carroll County Georgia 5 $ 455,000 $ 91,000 $ 94,000
Gilmer County Georgia 5 $ 795,000 $ 159,000 $ 130,000
Collier County Florida 4 $ 2,220,000 $ 555,000 $ 121,000
Pasco County Florida 4 $ 390,000 $ 97,000 $ 110,000
St. Johns County Florida 4 $ 340,000 $ 85,000 $ 124,000
Newton County Georgia 4 $ 460,000 $ 115,000 $ 150,000
Maricopa County Arizona 3 $ 1,595,000 $ 531,000 $ 215,000
Charlotte County Florida 3 $ 215,000 $ 71,000 $ 83,000
Marion County Florida 3 $ 445,000 $ 148,000 $ 127,000
Okeechobee County Florida 3 $ 435,000 $ 145,000 $ 85,000
Osceola County Florida 3 $ 795,000 $ 265,000 $ 223,000
Coweta County Georgia 3 $ 315,000 $ 105,000 $ 124,000
Hall County Georgia 3 $ 135,000 $ 45,000 $ 114,000
Rockdale County Georgia 3 $ 365,000 $ 121,000 $ 59,000
Anne Arundel County Maryland 3 $ 2,235,000 $ 745,000 $ 225,000
Kent County Maryland 3 $ 1,035,000 $ 345,000 $ 187,000
Providence County Rhode Island 3 $ 915,000 $ 305,000 $ 100,000
Mobile County Alabama 2 $ 90,000 $ 45,000 $ 37,000
San Diego County California 2 $ 1,070,000 $ 535,000 $ 209,000
San Francisco County California 2 $ 1,700,000 $ 850,000 $ 764,000
Eagle County Colorado 2 $ 2,400,000 $ 1,200,000 $ 402,000
El Paso County Colorado 2 $ 90,000 $ 45,000 $ 585,000
Bay County Florida 2 $ 330,000 $ 165,000 $ 94,000
Lee County Florida 2 $ 420,000 $ 210,000 $ 855,000
Manatee County Florida 2 $ 210,000 $ 105,000 $ 249,000
Santa Rosa County Florida 2 $ 260,000 $ 130,000 $ 106,000
Dawson County Georgia 2 $ 1,010,000 $ 505,000 $ 207,000
Fayette County Georgia 2 $ 130,000 $ 65,000 $ 103,000
Greene County Georgia 2 $ 60,000 $ 30,000 $ 131,000
Haralson County Georgia 2 $ 180,000 $ 90,000 $ 122,000
Harris County Georgia 2 $ 140,000 $ 70,000 $ 74,000
Walton County Georgia 2 $ 550,000 $ 275,000 $ 113,000
Baltimore County Maryland 2 $ 2,820,000 $ 1,410,000 $ 529,000
Plymouth County Massachusetts 2 $ 150,000 $ 75,000 $ 106,000
Worcester County Massachusetts 2 $ 180,000 $ 90,000 $ 122,000
Oakland County Michigan 2 $ 60,000 $ 30,000 $ 16,000
Clark County Nevada 2 $ 1,150,000 $ 575,000 $ 212,000
Wake County North Carolina 2 $ 210,000 $ 105,000 $ 127,000
Beaufort County South Carolina 2 $ 1,080,000 $ 540,000 $ 138,000
Horry County South Carolina 2 $ 810,000 $ 405,000 $ 268,000
Fairfax County Virginia 2 $ 2,490,000 $ 1,245,000 $ 391,000
Calhoun County Alabama 1 $ 35,000 $ 35,000 $ 0
Escambia County Alabama 1 $ 15,000 $ 15,000 $ 35,000
Jefferson County Alabama 1 $ 45,000 $ 45,000 $ 59,000
Shelby County Alabama 1 $ 255,000 $ 255,000 $ 772,000
Coconino County Arizona 1 $ 55,000 $ 55,000 $ 239,000
Mohave County Arizona 1 $ 105,000 $ 105,000 $ 165,000
Alameda County California 1 $ 205,000 $ 205,000 $ 190,000
Contra Costa County California 1 $ 975,000 $ 975,000 $ 268,000
Los Angeles County California 1 $ 375,000 $ 375,000 $ 104,000
San Bernardino County California 1 $ 65,000 $ 65,000 $ 137,000
Tehama County California 1 $ 105,000 $ 105,000 $ 174,000
Boulder County Colorado 1 $ 65,000 $ 65,000 $ 91,000
Jefferson County Colorado 1 $ 475,000 $ 475,000 $ 1,045,000
Litchfield County Connecticut 1 $ 105,000 $ 105,000 $ 302,000
New Castle County Delaware 1 $ 105,000 $ 105,000 $ 736,000
Sussex County Delaware 1 $ 505,000 $ 505,000 $ 200,000
Alachua County Florida 1 $ 155,000 $ 155,000 $ 198,000
Citrus County Florida 1 $ 65,000 $ 65,000 $ 58,000
Clay County Florida 1 $ 35,000 $ 35,000 $ 65,000
Escambia County Florida 1 $ 105,000 $ 105,000 $ 90,000
Flagler County Florida 1 $ 65,000 $ 65,000 $ 151,000
Gilchrist County Florida 1 $ 155,000 $ 155,000 $ 73,000
Gulf County Florida 1 $ 495,000 $ 495,000 $ 832,000
Highlands County Florida 1 $ 75,000 $ 75,000 $ 59,000
Monroe County Florida 1 $ 1,385,000 $ 1,385,000 $ 1,066,000
Bibb County Georgia 1 $ 115,000 $ 115,000 $ 165,000
Chattooga County Georgia 1 $ 355,000 $ 355,000 $ 94,000
Fannin County Georgia 1 $ 265,000 $ 265,000 $ 155,000
Floyd County Georgia 1 $ 235,000 $ 235,000 $ 113,000
Gordon County Georgia 1 $ 35,000 $ 35,000 $ 93,000
Jackson County Georgia 1 $ 105,000 $ 105,000 $ 161,000
Lumpkin County Georgia 1 $ 495,000 $ 495,000 $ 170,000
Madison County Georgia 1 $ 105,000 $ 105,000 $ 119,000
McIntosh County Georgia 1 $ 95,000 $ 95,000 $ 90,000
Polk County Georgia 1 $ 115,000 $ 115,000 $ 139,000
Rabun County Georgia 1 $ 355,000 $ 355,000 $ 680,000
Spalding County Georgia 1 $ 115,000 $ 115,000 $ 75,000
Towns County Georgia 1 $ 105,000 $ 105,000 $ 123,000
Troup County Georgia 1 $ 5,000 $ 5,000 $ 75,000
Union County Georgia 1 $ 315,000 $ 315,000 $ 101,000
Upson County Georgia 1 $ 105,000 $ 105,000 $ 173,000
Whitfield County Georgia 1 $ 375,000 $ 375,000 $ 117,000
Wilkes County Georgia 1 $ 135,000 $ 135,000 $ 76,000
Bonner County Idaho 1 $ 395,000 $ 395,000 $ 173,000
Kootenai County Idaho 1 $ 735,000 $ 735,000 $ 817,000
Kane County Illinois 1 $ 25,000 $ 25,000 $ 120,000
Lake County Illinois 1 $ 525,000 $ 525,000 $ 175,000
Johnson County Kansas 1 $ 25,000 $ 25,000 $ 41,000
Boyd County Kentucky 1 $ 105,000 $ 105,000 $ 167,000
Jefferson County Kentucky 1 $ 235,000 $ 235,000 $ 69,000
Hancock County Maine 1 $ 25,000 $ 25,000 $ 81,000
York County Maine 1 $ 105,000 $ 105,000 $ 150,000
Charles County Maryland 1 $ 45,000 $ 45,000 $ 163,000
Frederick County Maryland 1 $ 105,000 $ 105,000 $ 147,000
Howard County Maryland 1 $ 685,000 $ 685,000 $ 175,000
Prince George's County Maryland 1 $ 155,000 $ 155,000 $ 119,000
Barnstable County Massachusetts 1 $ 345,000 $ 345,000 $ 430,000
Hampden County Massachusetts 1 $ 105,000 $ 105,000 $ 115,000
Norfolk County Massachusetts 1 $ 555,000 $ 555,000 $ 312,000
Lowndes County Mississippi 1 $ 75,000 $ 75,000 $ 33,000
Burlington County New Jersey 1 $ 105,000 $ 105,000 $ 218,000
Camden County New Jersey 1 $ 35,000 $ 35,000 $ 41,000
Monmouth County New Jersey 1 $ 105,000 $ 105,000 $ 81,000
Ocean County New Jersey 1 $ 615,000 $ 615,000 $ 761,000
Passaic County New Jersey 1 $ 55,000 $ 55,000 $ 322,000
Sandoval County New Mexico 1 $ 655,000 $ 655,000 $ 207,000
Brunswick County North Carolina 1 $ 35,000 $ 35,000 $ 19,000
Cabarrus County North Carolina 1 $ 55,000 $ 55,000 $ 139,000
Carteret County North Carolina 1 $ 485,000 $ 485,000 $ 367,000
Johnston County North Carolina 1 $ 55,000 $ 55,000 $ 143,000
Mecklenburg County North Carolina 1 $ 205,000 $ 205,000 $ 187,000
Moore County North Carolina 1 $ 215,000 $ 215,000 $ 109,000
Union County North Carolina 1 $ 105,000 $ 105,000 $ 175,000
Cuyahoga County Ohio 1 $ 2,505,000 $ 2,505,000 $ 3,167,000
Lorain County Ohio 1 $ 225,000 $ 225,000 $ 0
Oklahoma County Oklahoma 1 $ 55,000 $ 55,000 $ 122,000
Kent County Rhode Island 1 $ 395,000 $ 395,000 $ 1,028,000
Georgetown County South Carolina 1 $ 345,000 $ 345,000 $ 186,000
Greene County Tennessee 1 $ 35,000 $ 35,000 $ 54,000
Robertson County Tennessee 1 $ 1,005,000 $ 1,005,000 $ 345,000
Sumner County Tennessee 1 $ 105,000 $ 105,000 $ 151,000
Collin County Texas 1 $ 105,000 $ 105,000 $ 180,000
Dallas County Texas 1 $ 275,000 $ 275,000 $ 130,000
Nueces County Texas 1 $ 205,000 $ 205,000 $ 306,000
Travis County Texas 1 $ 2,805,000 $ 2,805,000 $ 1,533,000
Salt Lake County Utah 1 $ 55,000 $ 55,000 $ 165,000
Accomack County Virginia 1 $ 555,000 $ 555,000 $ 324,000
Arlington County Virginia 1 $ 255,000 $ 255,000 $ 1,308,000
Frederick County Virginia 1 $ 435,000 $ 435,000 $ 708,000
Loudoun County Virginia 1 $ 995,000 $ 995,000 $ 492,000
Spotsylvania County Virginia 1 $ 455,000 $ 455,000 $ 54,000
King County Washington 1 $ 55,000 $ 55,000 $ 211,000
Putnam County West Virginia 1 $ 175,000 $ 175,000 $ 75,000
Milwaukee County Wisconsin 1 $ 175,000 $ 175,000 $ 220,000

Mortgage Loan Application Detail Totals for Ithink Financial Credit Union in 2023

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 822 $103,720,000 $126,000 $2,305,000 $195,000 $8,827,000
Home Purchase 281 $134,965,000 $480,000 $2,805,000 $255,000 $2,190,000
Refinancing 158 $26,230,000 $166,000 $2,805,000 $209,000 $3,740,000
Home Improvement 34 $3,770,000 $110,000 $405,000 $137,000 $1,600,000
Other Purpose 25 $5,455,000 $218,000 $2,505,000 $254,000 $3,167,000
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 734 $162,870,000 $221,000 $2,805,000 $212,000 $3,874,000
Not Provided 201 $53,145,000 $264,000 $2,805,000 $231,000 $3,702,000
Black or African American 199 $24,035,000 $120,000 $2,505,000 $195,000 $8,827,000
Hispanic 148 $22,670,000 $153,000 $1,335,000 $179,000 $1,452,000
Asian 28 $9,710,000 $346,000 $1,475,000 $269,000 $810,000
American Indian or Alaskan Native 3 $445,000 $148,000 $305,000 $109,000 $136,000
Native Hawaiian or Other Pacific Islander 1 $435,000 $435,000 $435,000 $118,000 $118,000
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) 1,315 $273,495,000 $207,000 $2,805,000 $210,000 $8,827,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 4 $560,000 $140,000 $385,000 $76,000 $98,000
FHA-insured (Federal Housing Administration) 1 $85,000 $85,000 $85,000 $95,000 $95,000
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 870 $209,080,000 $240,000 $2,805,000 $196,000 $3,584,000
Application Denied By Financial Institution 262 $30,540,000 $116,000 $2,005,000 $210,000 $8,827,000
Application Withdrawn By Applicant 136 $26,590,000 $195,000 $2,505,000 $273,000 $3,874,000
File Closed For Incompleteness 40 $5,890,000 $147,000 $505,000 $310,000 $3,740,000
Application Approved But Not Accepted 8 $720,000 $90,000 $205,000 $95,000 $152,000
Preapproval Denied by Financial Institution 3 $1,025,000 $341,000 $525,000 $148,000 $236,000
Preapproval Approved but not Accepted 1 $295,000 $295,000 $295,000 $120,000 $120,000
Loan Purchased By The 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 1,055 $242,575,000 $229,000 $2,805,000 $209,000 $3,874,000
Debt-To-Income Ratio 116 $14,400,000 $124,000 $2,005,000 $108,000 $3,172,000
Credit Application Incomplete 48 $6,200,000 $129,000 $525,000 $418,000 $8,827,000
Credit History 45 $4,475,000 $99,000 $645,000 $227,000 $2,160,000
Collateral 23 $1,935,000 $84,000 $445,000 $260,000 $2,373,000
Other 15 $1,515,000 $101,000 $355,000 $121,000 $296,000
Unverifiable Information 15 $1,785,000 $119,000 $385,000 $270,000 $2,430,000
Employment History 2 $290,000 $145,000 $195,000 $79,000 $83,000
Insufficient Cash (Downpayment, Closing Cost) 1 $965,000 $965,000 $965,000 $250,000 $250,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Ithink Financial Credit Union's 2023 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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