ITHINK FINANCIAL Credit Union
ITHINK FINANCIAL Credit Union received 1,172 applications in 2025 and made 684 mortgages, in 169 counties across 29 states. The median rate its borrowers got was 8.000% on a median loan of $105,000. Of 1,005 decisions, 315 were denials — 31.3%, most often for debt-to-income ratio. 3 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493003BXKRGHQHRJV38 |
|---|---|
| Applications received | 1,172 |
| Mortgages made | 684 |
| Denied | 315 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 167 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | 0.71 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 215 | 7.000% | $375,000 | 3.1% |
| Refinancing | 149 | 8.000% | $105,000 | 31.2% |
| Cash-out refinancing | 254 | 8.000% | $105,000 | 32.4% |
| Other purposes | 66 | 8.000% | $105,000 | 64.1% |
Where ITHINK FINANCIAL Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Palm Beach County, FL | 186 | 8.000% | 33.2% |
| Cobb County, GA | 63 | 8.000% | 23.2% |
| Broward County, FL | 40 | 7.750% | 46.0% |
| St. Lucie County, FL | 30 | 8.000% | 55.2% |
| Pinellas County, FL | 23 | 7.500% | 4.2% |
| Martin County, FL | 22 | 7.688% | 26.7% |
| Pickens County, GA | 22 | 8.000% | 24.1% |
| Indian River County, FL | 21 | 8.000% | 38.2% |
| Fulton County, GA | 18 | 7.750% | 52.5% |
| Cherokee County, GA | 17 | 8.000% | 29.2% |
| Paulding County, GA | 14 | 8.250% | 30.0% |
| DeKalb County, GA | 12 | 8.000% | 33.3% |
| Miami-Dade County, FL | 11 | 7.500% | 29.4% |
| Brevard County, FL | 9 | Under 10 loans | 18.2% |
| Forsyth County, GA | 9 | Under 10 loans | 10.0% |
| Gwinnett County, GA | 9 | Under 10 loans | 30.8% |
| Henry County, GA | 7 | Under 10 loans | 36.4% |
| Middlesex County, MA | 5 | Under 10 loans | 0.0% |
| Loudoun County, VA | 5 | Under 10 loans | 0.0% |
| Collier County, FL | 4 | Under 10 loans | 0.0% |
| Anne Arundel County, MD | 4 | Under 10 loans | 0.0% |
| Fairfax County, VA | 4 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 3 | Under 10 loans | 0.0% |
| Sarasota County, FL | 3 | Under 10 loans | 0.0% |
| Volusia County, FL | 3 | Under 10 loans | 25.0% |
| Baltimore County, MD | 3 | Under 10 loans | 0.0% |
| Montgomery County, MD | 3 | Under 10 loans | 0.0% |
| Baltimore city, MD | 3 | Under 10 loans | 0.0% |
| New Castle County, DE | 2 | Under 10 loans | 0.0% |
| Duval County, FL | 2 | Under 10 loans | 33.3% |
| Manatee County, FL | 2 | Under 10 loans | 33.3% |
| Marion County, FL | 2 | Under 10 loans | 0.0% |
| Orange County, FL | 2 | Under 10 loans | 66.7% |
| St. Johns County, FL | 2 | Under 10 loans | 33.3% |
| Seminole County, FL | 2 | Under 10 loans | 33.3% |
| Bartow County, GA | 2 | Under 10 loans | 0.0% |
| Carroll County, GA | 2 | Under 10 loans | 0.0% |
| Clayton County, GA | 2 | Under 10 loans | 66.7% |
| Fayette County, GA | 2 | Under 10 loans | 0.0% |
| Hall County, GA | 2 | Under 10 loans | 0.0% |
| White County, GA | 2 | Under 10 loans | 0.0% |
| Cook County, IL | 2 | Under 10 loans | 0.0% |
| Prince George's County, MD | 2 | Under 10 loans | 0.0% |
| Queen Anne's County, MD | 2 | Under 10 loans | 0.0% |
| Norfolk County, MA | 2 | Under 10 loans | 0.0% |
| Worcester County, MA | 2 | Under 10 loans | 60.0% |
| Harnett County, NC | 2 | Under 10 loans | 0.0% |
| Iredell County, NC | 2 | Under 10 loans | 0.0% |
| Moore County, NC | 2 | Under 10 loans | 0.0% |
| Chesterfield County, VA | 2 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.