Ithink Financial Credit Union Mortgage Lending & HMDA Data, 2016
In 2016, Ithink Financial Credit Union of Delray Beach, FL reported 1,168 mortgage applications totaling $151.1 million. The average application was for $129,333, and applicants reported an average income of $107,635. 72% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (402), West Palm Beach-Boca Raton-Delray Beach, FL (357) and Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (108) (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 | 1,168 |
| Total Mortgage Loan Application Amount | $151,061,000 |
| Average Mortgage Loan Application Amount | $129,333 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $107,635 |
| Highest Applicant Income | $2,190,000 |
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records Ithink Financial Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Roswell, GA | 402 | $ 51,174,000 | $ 127,298 | $ 103,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 357 | $ 47,899,000 | $ 134,170 | $ 112,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 108 | $ 13,240,000 | $ 122,592 | $ 98,000 |
| Port St. Lucie, FL | 89 | $ 8,636,000 | $ 97,033 | $ 74,000 |
| Tampa-St. Petersburg-Clearwater, FL | 43 | $ 4,819,000 | $ 112,069 | $ 162,000 |
| Miami-Miami Beach-Kendall, FL | 18 | $ 4,404,000 | $ 244,666 | $ 227,000 |
| Orlando-Kissimmee-Sanford, FL | 12 | $ 1,631,000 | $ 135,916 | $ 103,000 |
| Charlotte-Concord-Gastonia, NC-SC | 6 | $ 655,000 | $ 109,166 | $ 115,666 |
| Raleigh, NC | 6 | $ 779,000 | $ 129,833 | $ 102,000 |
| Sebastian-Vero Beach, FL | 6 | $ 940,000 | $ 156,666 | $ 87,000 |
| Birmingham-Hoover, AL | 5 | $ 462,000 | $ 92,400 | $ 72,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 444,000 | $ 88,800 | $ 43,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 469,000 | $ 93,800 | $ 168,000 |
| Chattanooga, TN-GA | 3 | $ 133,000 | $ 44,333 | $ 72,000 |
| Gainesville, GA | 3 | $ 415,000 | $ 138,333 | $ 176,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 693,000 | $ 231,000 | $ 102,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 430,000 | $ 143,333 | $ 46,000 |
| Panama City, FL | 3 | $ 252,000 | $ 84,000 | $ 123,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 593,000 | $ 197,666 | $ 66,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 423,000 | $ 141,000 | $ 70,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 1,094,000 | $ 364,666 | $ 126,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 328,000 | $ 164,000 | $ 135,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 373,000 | $ 186,500 | $ 151,000 |
| Jacksonville, FL | 2 | $ 130,000 | $ 65,000 | $ 95,000 |
| Lakeland-Winter Haven, FL | 2 | $ 134,000 | $ 67,000 | $ 115,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 300,000 | $ 150,000 | $ 212,000 |
| Ocala, FL | 2 | $ 307,000 | $ 153,500 | $ 78,000 |
| Salt Lake City, UT | 2 | $ 173,000 | $ 86,500 | $ 87,000 |
| Albany, GA | 1 | $ 150,000 | $ 150,000 | $ 50,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 280,000 | $ 280,000 | $ 180,000 |
| Athens-Clarke County, GA | 1 | $ 105,000 | $ 105,000 | $ 71,000 |
| Austin-Round Rock, TX | 1 | $ 152,000 | $ 152,000 | $ 49,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 49,000 | $ 49,000 | $ 85,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 28,000 | $ 28,000 | $ 39,000 |
| Boston, MA | 1 | $ 35,000 | $ 35,000 | $ 78,000 |
| Brunswick, GA | 1 | $ 50,000 | $ 50,000 | $ 122,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 150,000 | $ 150,000 | $ 78,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 100,000 | $ 100,000 | $ 84,000 |
| Cincinnati, OH-KY-IN | 1 | $ 70,000 | $ 70,000 | $ 38,000 |
| Cleveland-Elyria, OH | 1 | $ 62,000 | $ 62,000 | $ 40,000 |
| Dallas-Plano-Irving, TX | 1 | $ 40,000 | $ 40,000 | $ 47,000 |
| Dalton, GA | 1 | $ 114,000 | $ 114,000 | $ 63,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 100,000 | $ 100,000 | $ 210,000 |
| Dayton, OH | 1 | $ 71,000 | $ 71,000 | $ 125,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 176,000 | $ 176,000 | $ 88,000 |
| Dover, DE | 1 | $ 280,000 | $ 280,000 | $ 67,000 |
| Durham-Chapel Hill, NC | 1 | $ 179,000 | $ 179,000 | $ 115,000 |
| Flagstaff, AZ | 1 | $ 85,000 | $ 85,000 | $ 246,000 |
| Fort Wayne, IN | 1 | $ 209,000 | $ 209,000 | $ 58,000 |
| Gainesville, FL | 1 | $ 50,000 | $ 50,000 | $ 118,000 |
| Goldsboro, NC | 1 | $ 100,000 | $ 100,000 | $ 103,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 15,000 | $ 15,000 | $ 118,000 |
| Homosassa Springs, FL | 1 | $ 140,000 | $ 140,000 | $ 195,000 |
| Kansas City, MO-KS | 1 | $ 168,000 | $ 168,000 | $ 64,000 |
| Knoxville, TN | 1 | $ 20,000 | $ 20,000 | $ 129,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 30,000 | $ 30,000 | $ 78,000 |
| Madison, WI | 1 | $ 150,000 | $ 150,000 | $ 64,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 100,000 | $ 100,000 | $ 93,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 700,000 | $ 700,000 | $ 417,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 100,000 | $ 100,000 | $ 64,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 150,000 | $ 150,000 | $ 117,000 |
| Portland-South Portland, ME | 1 | $ 22,000 | $ 22,000 | $ 116,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 50,000 | $ 50,000 | $ 184,000 |
| Prescott, AZ | 1 | $ 75,000 | $ 75,000 | $ 90,000 |
| Reading, PA | 1 | $ 321,000 | $ 321,000 | $ 165,000 |
| Richmond, VA | 1 | $ 396,000 | $ 396,000 | $ 181,000 |
| San Antonio-New Braunfels, TX | 1 | $ 144,000 | $ 144,000 | $ 191,000 |
| San Diego-Carlsbad, CA | 1 | $ 100,000 | $ 100,000 | $ 180,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 100,000 | $ 100,000 | $ 179,000 |
| Sebring, FL | 1 | $ 68,000 | $ 68,000 | $ 52,000 |
| Syracuse, NY | 1 | $ 336,000 | $ 336,000 | $ 99,000 |
| Tallahassee, FL | 1 | $ 312,000 | $ 312,000 | $ 91,000 |
| The Villages, FL | 1 | $ 100,000 | $ 100,000 | $ 54,000 |
| Warner Robins, GA | 1 | $ 200,000 | $ 200,000 | $ 103,000 |
| Winston-Salem, NC | 1 | $ 164,000 | $ 164,000 | $ 61,000 |
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.
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