Ithink Financial Credit Union Mortgage Lending & HMDA Data, 2019
In 2019, Ithink Financial Credit Union of Delray Beach, FL reported 1,739 mortgage applications totaling $217.4 million, up 10% from 2018. The average application was for $125,028, and applicants reported an average income of $110,750. 72% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (558), West Palm Beach-Boca Raton-Delray Beach, FL (483) and Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (211) (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 | 1,739 |
| Total Mortgage Loan Application Amount | $217,425,000 |
| Average Mortgage Loan Application Amount | $125,028 |
| Highest Mortgage Loan Application Amount | $3,925,000 |
| Average Applicant Income | $110,750 |
| Highest Applicant Income | $3,995,000 |
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records Ithink Financial Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 558 | $ 63,860,000 | $ 114,444 | $ 103,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 483 | $ 63,235,000 | $ 130,921 | $ 108,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 211 | $ 25,745,000 | $ 122,014 | $ 133,000 |
| Port St. Lucie, FL | 127 | $ 14,885,000 | $ 117,204 | $ 94,000 |
| Tampa-St. Petersburg-Clearwater, FL | 50 | $ 5,310,000 | $ 106,200 | $ 138,000 |
| Miami-Miami Beach-Kendall, FL | 46 | $ 5,000,000 | $ 108,695 | $ 124,000 |
| Outside any metro area | 32 | $ 4,150,000 | $ 129,687 | $ 90,625 |
| Worcester, MA-CT | 25 | $ 5,225,000 | $ 209,000 | $ 107,080 |
| Orlando-Kissimmee-Sanford, FL | 22 | $ 3,090,000 | $ 140,454 | $ 124,000 |
| Sebastian-Vero Beach, FL | 18 | $ 2,000,000 | $ 111,111 | $ 96,000 |
| North Port-Sarasota-Bradenton, FL | 8 | $ 910,000 | $ 113,750 | $ 146,000 |
| Charlotte-Concord-Gastonia, NC-SC | 7 | $ 1,095,000 | $ 156,428 | $ 156,285 |
| Jacksonville, FL | 7 | $ 595,000 | $ 85,000 | $ 78,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 6 | $ 1,200,000 | $ 200,000 | $ 125,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 515,000 | $ 103,000 | $ 131,000 |
| Springfield, MA | 5 | $ 965,000 | $ 193,000 | $ 106,000 |
| Birmingham-Hoover, AL | 4 | $ 530,000 | $ 132,500 | $ 48,000 |
| Chicago-Naperville, IL | 4 | $ 360,000 | $ 90,000 | $ 115,000 |
| Houston-The Woodlands-Sugar Land, TX | 4 | $ 580,000 | $ 145,000 | $ 106,000 |
| Lakeland-Winter Haven, FL | 4 | $ 220,000 | $ 55,000 | $ 72,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 930,000 | $ 232,500 | $ 125,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 210,000 | $ 52,500 | $ 78,000 |
| Raleigh, NC | 4 | $ 1,450,000 | $ 362,500 | $ 230,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 165,000 | $ 55,000 | $ 35,000 |
| Cambridge-Newton-Framingham, MA | 3 | $ 1,405,000 | $ 468,333 | $ 109,000 |
| Durham-Chapel Hill, NC | 3 | $ 615,000 | $ 205,000 | $ 185,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 385,000 | $ 128,333 | $ 104,000 |
| New York-Newark, NY | 3 | $ 505,000 | $ 168,333 | $ 173,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 325,000 | $ 108,333 | $ 71,000 |
| Punta Gorda, FL | 3 | $ 605,000 | $ 201,666 | $ 168,000 |
| St. Louis, MO-IL | 3 | $ 395,000 | $ 131,666 | $ 131,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 545,000 | $ 181,666 | $ 135,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 485,000 | $ 161,666 | $ 67,000 |
| Albany, GA | 2 | $ 340,000 | $ 170,000 | $ 64,000 |
| Athens-Clarke County, GA | 2 | $ 240,000 | $ 120,000 | $ 137,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 230,000 | $ 115,000 | $ 295,000 |
| Cincinnati, OH-KY-IN | 2 | $ 210,000 | $ 105,000 | $ 80,500 |
| Gainesville, GA | 2 | $ 100,000 | $ 50,000 | $ 111,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 190,000 | $ 95,000 | $ 159,000 |
| Homosassa Springs, FL | 2 | $ 160,000 | $ 80,000 | $ 87,000 |
| Knoxville, TN | 2 | $ 460,000 | $ 230,000 | $ 150,000 |
| Macon-Bibb County, GA | 2 | $ 120,000 | $ 60,000 | $ 146,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 40,000 | $ 20,000 | $ 70,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 170,000 | $ 85,000 | $ 134,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 750,000 | $ 375,000 | $ 121,000 |
| Vallejo-Fairfield, CA | 2 | $ 160,000 | $ 80,000 | $ 78,000 |
| Washington-Baltimore-Arlington, DC | 2 | $ 720,000 | $ 360,000 | $ 257,000 |
| Wilmington, NC | 2 | $ 260,000 | $ 130,000 | $ 191,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 285,000 | $ 285,000 | $ 167,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 75,000 | $ 75,000 | $ 162,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 35,000 | $ 35,000 | $ 151,000 |
| Boston, MA | 1 | $ 345,000 | $ 345,000 | $ 150,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 105,000 | $ 105,000 | $ 86,000 |
| Camden, NJ | 1 | $ 325,000 | $ 325,000 | $ 86,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 215,000 | $ 215,000 | $ 52,000 |
| Carbondale-Marion, IL | 1 | $ 235,000 | $ 235,000 | $ 74,000 |
| Charleston-North Charleston, SC | 1 | $ 205,000 | $ 205,000 | $ 210,000 |
| Chattanooga, TN-GA | 1 | $ 65,000 | $ 65,000 | $ 104,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 65,000 | $ 65,000 | $ 130,000 |
| Dothan, AL | 1 | $ 25,000 | $ 25,000 | $ 115,000 |
| Erie, PA | 1 | $ 145,000 | $ 145,000 | $ 125,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 25,000 | $ 25,000 | $ 77,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 85,000 | $ 85,000 | $ 147,000 |
| Jackson, TN | 1 | $ 85,000 | $ 85,000 | $ 45,000 |
| Kansas City, MO-KS | 1 | $ 55,000 | $ 55,000 | $ 146,000 |
| Lafayette, LA | 1 | $ 35,000 | $ 35,000 | $ 53,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 55,000 | $ 55,000 | $ 178,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 355,000 | $ 355,000 | $ 163,000 |
| Memphis, TN-MS-AR | 1 | $ 185,000 | $ 185,000 | $ 126,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 165,000 | $ 165,000 | $ 183,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 285,000 | $ 285,000 | $ 179,000 |
| Nassau County-Suffolk County, NY | 1 | $ 105,000 | $ 105,000 | $ 50,000 |
| New Orleans-Metairie, LA | 1 | $ 115,000 | $ 115,000 | $ 40,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 155,000 | $ 155,000 | $ 66,000 |
| Newark, NJ-PA | 1 | $ 75,000 | $ 75,000 | $ 70,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 215,000 | $ 215,000 | $ 151,000 |
| Panama City, FL | 1 | $ 65,000 | $ 65,000 | $ 62,000 |
| Philadelphia, PA | 1 | $ 55,000 | $ 55,000 | $ 67,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 105,000 | $ 105,000 | $ 193,000 |
| Provo-Orem, UT | 1 | $ 65,000 | $ 65,000 | $ 154,000 |
| Richmond, VA | 1 | $ 55,000 | $ 55,000 | $ 211,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 105,000 | $ 105,000 | $ 213,000 |
| Roanoke, VA | 1 | $ 335,000 | $ 335,000 | $ 214,000 |
| Rochester, NY | 1 | $ 155,000 | $ 155,000 | $ 157,000 |
| Rockingham County-Strafford County, NH | 1 | $ 85,000 | $ 85,000 | $ 91,000 |
| Rome, GA | 1 | $ 55,000 | $ 55,000 | $ 61,000 |
| Santa Rosa, CA | 1 | $ 375,000 | $ 375,000 | $ 269,000 |
| Savannah, GA | 1 | $ 185,000 | $ 185,000 | $ 62,000 |
| Tallahassee, FL | 1 | $ 25,000 | $ 25,000 | $ 64,000 |
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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