Ithink Financial Credit Union Mortgage Lending & HMDA Data, 2022
In 2022, Ithink Financial Credit Union of Delray Beach, FL reported 2,115 mortgage applications totaling $695.5 million, up 11% from 2021. The average application was for $328,829, and applicants reported an average income of $195,810. 74% of its applications resulted in an originated loan and 10% were denied. Its largest markets were West Palm Beach-Boca Raton-Delray Beach, FL (590), Atlanta-Sandy Springs-Roswell, GA (427) and Port St. Lucie, FL (230) (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 | 2,115 |
| Total Mortgage Loan Application Amount | $695,475,000 |
| Average Mortgage Loan Application Amount | $328,829 |
| Highest Mortgage Loan Application Amount | $12,605,000 |
| Average Applicant Income | $195,810 |
| Highest Applicant Income | $7,197,000 |
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records Ithink Financial Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| West Palm Beach-Boca Raton-Delray Beach, FL | 590 | $ 220,940,000 | $ 374,474 | $ 215,000 |
| Atlanta-Sandy Springs-Roswell, GA | 427 | $ 55,955,000 | $ 131,042 | $ 128,000 |
| Port St. Lucie, FL | 230 | $ 61,600,000 | $ 267,826 | $ 134,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 179 | $ 44,565,000 | $ 248,966 | $ 162,000 |
| Tampa-St. Petersburg-Clearwater, FL | 84 | $ 19,810,000 | $ 235,833 | $ 155,000 |
| Orlando-Kissimmee-Sanford, FL | 57 | $ 36,845,000 | $ 646,403 | $ 416,000 |
| Outside any metro area | 52 | $ 16,470,000 | $ 316,730 | $ 214,288 |
| Miami-Miami Beach-Kendall, FL | 50 | $ 28,820,000 | $ 576,400 | $ 238,000 |
| Sebastian-Vero Beach, FL | 47 | $ 10,975,000 | $ 233,510 | $ 111,000 |
| North Port-Sarasota-Bradenton, FL | 33 | $ 12,645,000 | $ 383,181 | $ 226,000 |
| Jacksonville, FL | 27 | $ 10,285,000 | $ 380,925 | $ 194,000 |
| Baltimore-Columbia-Towson, MD | 23 | $ 16,255,000 | $ 706,739 | $ 371,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 23 | $ 20,035,000 | $ 871,086 | $ 308,086 |
| Deltona-Daytona Beach-Ormond Beach, FL | 21 | $ 9,565,000 | $ 455,476 | $ 295,000 |
| Naples-Immokalee-Marco Island, FL | 16 | $ 12,150,000 | $ 759,375 | $ 413,000 |
| Palm Bay-Melbourne-Titusville, FL | 14 | $ 3,580,000 | $ 255,714 | $ 68,000 |
| Cape Coral-Fort Myers, FL | 12 | $ 3,270,000 | $ 272,500 | $ 205,000 |
| Lakeland-Winter Haven, FL | 10 | $ 1,860,000 | $ 186,000 | $ 133,000 |
| Phoenix-Mesa-Scottsdale, AZ | 10 | $ 5,370,000 | $ 537,000 | $ 181,000 |
| Charlotte-Concord-Gastonia, NC-SC | 6 | $ 860,000 | $ 143,333 | $ 106,666 |
| Greenville-Anderson-Mauldin, SC | 6 | $ 370,000 | $ 61,666 | $ 120,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 6 | $ 840,000 | $ 140,000 | $ 169,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 6 | $ 3,170,000 | $ 528,333 | $ 186,000 |
| Punta Gorda, FL | 6 | $ 1,010,000 | $ 168,333 | $ 91,000 |
| Richmond, VA | 6 | $ 3,140,000 | $ 523,333 | $ 360,000 |
| Salisbury, MD-DE | 6 | $ 6,150,000 | $ 1,025,000 | $ 763,666 |
| Worcester, MA-CT | 6 | $ 600,000 | $ 100,000 | $ 149,000 |
| Chicago-Naperville, IL | 5 | $ 1,955,000 | $ 391,000 | $ 164,000 |
| Ocala, FL | 5 | $ 2,445,000 | $ 489,000 | $ 270,000 |
| Pensacola-Ferry Pass-Brent, FL | 5 | $ 10,085,000 | $ 2,017,000 | $ 825,000 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 1,490,000 | $ 372,500 | $ 245,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 4 | $ 920,000 | $ 230,000 | $ 305,000 |
| Las Vegas-Henderson-Paradise, NV | 4 | $ 2,730,000 | $ 682,500 | $ 406,000 |
| New York-Jersey City-White Plains, NY-NJ | 4 | $ 6,680,000 | $ 1,670,000 | $ 2,208,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 3,310,000 | $ 827,500 | $ 488,000 |
| Providence-Warwick, RI-MA | 4 | $ 3,090,000 | $ 772,500 | $ 381,000 |
| San Diego-Carlsbad, CA | 4 | $ 1,940,000 | $ 485,000 | $ 164,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 485,000 | $ 161,666 | $ 155,000 |
| Asheville, NC | 3 | $ 1,245,000 | $ 415,000 | $ 196,000 |
| Charleston-North Charleston, SC | 3 | $ 1,505,000 | $ 501,666 | $ 283,000 |
| Columbia, SC | 3 | $ 335,000 | $ 111,666 | $ 144,000 |
| Pittsburgh, PA | 3 | $ 775,000 | $ 258,333 | $ 323,000 |
| Raleigh, NC | 3 | $ 245,000 | $ 81,666 | $ 163,000 |
| Tallahassee, FL | 3 | $ 765,000 | $ 255,000 | $ 178,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 2,815,000 | $ 938,333 | $ 145,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 125,000 | $ 41,666 | $ 69,000 |
| Winston-Salem, NC | 3 | $ 405,000 | $ 135,000 | $ 87,000 |
| Albany, GA | 2 | $ 120,000 | $ 60,000 | $ 126,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 270,000 | $ 135,000 | $ 55,500 |
| Austin-Round Rock, TX | 2 | $ 2,370,000 | $ 1,185,000 | $ 456,000 |
| Boston, MA | 2 | $ 3,150,000 | $ 1,575,000 | $ 214,000 |
| Chattanooga, TN-GA | 2 | $ 290,000 | $ 145,000 | $ 89,500 |
| Dallas-Plano-Irving, TX | 2 | $ 1,580,000 | $ 790,000 | $ 433,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 510,000 | $ 255,000 | $ 94,000 |
| Gainesville, FL | 2 | $ 220,000 | $ 110,000 | $ 110,000 |
| Gary, IN | 2 | $ 170,000 | $ 85,000 | $ 128,000 |
| Greensboro-High Point, NC | 2 | $ 130,000 | $ 65,000 | $ 104,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 3,520,000 | $ 1,760,000 | $ 719,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 520,000 | $ 260,000 | $ 84,000 |
| Macon-Bibb County, GA | 2 | $ 180,000 | $ 90,000 | $ 64,000 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 790,000 | $ 395,000 | $ 187,000 |
| New Orleans-Metairie, LA | 2 | $ 340,000 | $ 170,000 | $ 153,000 |
| New York-Newark, NY | 2 | $ 3,350,000 | $ 1,675,000 | $ 443,000 |
| Newark, NJ-PA | 2 | $ 1,350,000 | $ 675,000 | $ 454,000 |
| Prescott Valley-Prescott, AZ | 2 | $ 1,120,000 | $ 560,000 | $ 216,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 840,000 | $ 420,000 | $ 200,000 |
| The Villages, FL | 2 | $ 1,290,000 | $ 645,000 | $ 69,000 |
| Washington-Baltimore-Arlington, DC | 2 | $ 1,670,000 | $ 835,000 | $ 309,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 575,000 | $ 575,000 | $ 64,000 |
| Bend-Redmond, OR | 1 | $ 1,585,000 | $ 1,585,000 | $ 1,310,000 |
| Boise City, ID | 1 | $ 505,000 | $ 505,000 | $ 178,000 |
| Boulder, CO | 1 | $ 585,000 | $ 585,000 | $ 151,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 105,000 | $ 105,000 | $ 95,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 155,000 | $ 155,000 | $ 141,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 395,000 | $ 395,000 | $ 98,000 |
| Charlottesville, VA | 1 | $ 575,000 | $ 575,000 | $ 155,000 |
| Cleveland, TN | 1 | $ 155,000 | $ 155,000 | $ 255,000 |
| Cleveland-Elyria, OH | 1 | $ 55,000 | $ 55,000 | $ 195,000 |
| College Station-Bryan, TX | 1 | $ 255,000 | $ 255,000 | $ 173,000 |
| Colorado Springs, CO | 1 | $ 1,165,000 | $ 1,165,000 | $ 374,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 105,000 | $ 105,000 | $ 148,000 |
| Dover, DE | 1 | $ 465,000 | $ 465,000 | $ 337,000 |
| Durham-Chapel Hill, NC | 1 | $ 85,000 | $ 85,000 | $ 135,000 |
| Fayetteville, NC | 1 | $ 55,000 | $ 55,000 | $ 98,000 |
| Flagstaff, AZ | 1 | $ 815,000 | $ 815,000 | $ 385,000 |
| Florence-Muscle Shoals, AL | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
| Fort Collins, CO | 1 | $ 1,185,000 | $ 1,185,000 | $ 147,000 |
| Greenville, NC | 1 | $ 175,000 | $ 175,000 | $ 106,000 |
| Homosassa Springs, FL | 1 | $ 15,000 | $ 15,000 | $ 70,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 175,000 | $ 175,000 | $ 120,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 135,000 | $ 135,000 | $ 66,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 3,505,000 | $ 3,505,000 | $ 1,349,000 |
| Johnson City, TN | 1 | $ 55,000 | $ 55,000 | $ 57,000 |
| Kingston, NY | 1 | $ 255,000 | $ 255,000 | $ 58,000 |
| Madison, WI | 1 | $ 105,000 | $ 105,000 | $ 38,000 |
| Medford, OR | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
| Memphis, TN-MS-AR | 1 | $ 135,000 | $ 135,000 | $ 30,000 |
| Modesto, CA | 1 | $ 635,000 | $ 635,000 | $ 185,000 |
| Nassau County-Suffolk County, NY | 1 | $ 105,000 | $ 105,000 | $ 295,000 |
| New Haven-Milford, CT | 1 | $ 85,000 | $ 85,000 | $ 47,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 105,000 | $ 105,000 | $ 175,000 |
| Reno, NV | 1 | $ 95,000 | $ 95,000 | $ 301,000 |
| Rockingham County-Strafford County, NH | 1 | $ 325,000 | $ 325,000 | $ 99,000 |
| Rome, GA | 1 | $ 55,000 | $ 55,000 | $ 63,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 145,000 | $ 145,000 | $ 186,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 1,205,000 | $ 1,205,000 | $ 404,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 1,765,000 | $ 1,765,000 | $ 962,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 105,000 | $ 105,000 | $ 197,000 |
| Santa Rosa, CA | 1 | $ 1,055,000 | $ 1,055,000 | $ 332,000 |
| Savannah, GA | 1 | $ 725,000 | $ 725,000 | $ 46,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 105,000 | $ 105,000 | $ 257,000 |
| Sebring, FL | 1 | $ 185,000 | $ 185,000 | $ 50,000 |
| Tacoma-Lakewood, WA | 1 | $ 395,000 | $ 395,000 | $ 170,000 |
| Warner Robins, GA | 1 | $ 205,000 | $ 205,000 | $ 110,000 |
| Wilmington, NC | 1 | $ 245,000 | $ 245,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for Ithink Financial Credit Union in 2022
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 | 1,396 | $233,010,000 | $166,000 | $10,005,000 | $155,000 | $5,682,000 |
| Home Purchase | 588 | $372,540,000 | $633,000 | $12,605,000 | $276,000 | $7,197,000 |
| Refinancing | 124 | $88,220,000 | $711,000 | $6,445,000 | $273,000 | $2,396,000 |
| Home Improvement | 6 | $1,400,000 | $233,000 | $465,000 | $245,000 | $612,000 |
| Other Purpose | 1 | $305,000 | $305,000 | $305,000 | $150,000 | $150,000 |
| 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 | 1,279 | $457,785,000 | $357,000 | $11,815,000 | $210,000 | $7,197,000 |
| Not Provided | 275 | $95,785,000 | $348,000 | $2,995,000 | $205,000 | $2,586,000 |
| Black or African American | 275 | $37,495,000 | $136,000 | $1,005,000 | $114,000 | $1,408,000 |
| Hispanic | 209 | $56,225,000 | $269,000 | $3,495,000 | $197,000 | $5,682,000 |
| Asian | 56 | $26,840,000 | $479,000 | $4,875,000 | $222,000 | $1,349,000 |
| American Indian or Alaskan Native | 6 | $3,250,000 | $541,000 | $1,705,000 | $150,000 | $266,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $2,620,000 | $655,000 | $1,195,000 | $180,000 | $245,000 |
| Not applicable | 1 | $595,000 | $595,000 | $595,000 | $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) | 2,111 | $695,045,000 | $329,000 | $12,605,000 | $196,000 | $7,197,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $415,000 | $138,000 | $245,000 | $77,000 | $96,000 |
| VA-guaranteed (Veterans Administration) | 1 | $15,000 | $15,000 | $15,000 | $79,000 | $79,000 |
| FHA-insured (Federal Housing 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 | 1,557 | $539,205,000 | $346,000 | $11,815,000 | $209,000 | $7,197,000 |
| Application Withdrawn By Applicant | 231 | $82,635,000 | $357,000 | $10,005,000 | $176,000 | $1,915,000 |
| Application Denied By Financial Institution | 214 | $49,900,000 | $233,000 | $12,605,000 | $119,000 | $2,691,000 |
| File Closed For Incompleteness | 71 | $9,465,000 | $133,000 | $555,000 | $191,000 | $4,290,000 |
| Application Approved But Not Accepted | 40 | $13,570,000 | $339,000 | $4,425,000 | $227,000 | $3,750,000 |
| Loan Purchased By The Institution | 1 | $595,000 | $595,000 | $595,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 1 | $105,000 | $105,000 | $105,000 | $38,000 | $38,000 |
| Preapproval Approved but not Accepted | 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 | 1,900 | $645,470,000 | $339,000 | $11,815,000 | $204,000 | $7,197,000 |
| Debt-To-Income Ratio | 88 | $29,840,000 | $339,000 | $12,605,000 | $87,000 | $1,653,000 |
| Credit History | 55 | $7,655,000 | $139,000 | $1,235,000 | $161,000 | $2,691,000 |
| Collateral | 30 | $3,010,000 | $100,000 | $585,000 | $127,000 | $287,000 |
| Credit Application Incomplete | 18 | $4,130,000 | $229,000 | $845,000 | $143,000 | $255,000 |
| Unverifiable Information | 15 | $2,735,000 | $182,000 | $675,000 | $121,000 | $506,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $2,600,000 | $325,000 | $535,000 | $97,000 | $207,000 |
| Employment History | 1 | $35,000 | $35,000 | $35,000 | $29,000 | $29,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ithink Financial Credit Union's 2022 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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