Ithink Financial Credit Union mortgage approval rate & lending review
Ithink Financial Credit Union decided 2,855 mortgage applications and funded 2,108 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Ithink Financial Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Ithink Financial Credit Union at a glance
Approval is 0.2 points below the 74.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 498 / 521 | 99% | $405K | 493 |
| Home improvement loans | 12% | 7 / 56 | 86% | $95K | 6 |
| Cash-out refinance | 71% | 999 / 1,406 | 99% | $105K | 992 |
| Refinance | 67% | 426 / 633 | 100% | $105K | 424 |
| Investment property purchase | 97% | 160 / 165 | 98% | $365K | 157 |
| Investment cash-out refinance | 52% | 31 / 60 | 97% | $75K | 30 |
Ithink Financial Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 73% | $105K | 1,906 | 1,385 |
| Georgia | 73% | $105K | 673 | 485 |
| Maryland | 100% | $615K | 42 | 42 |
| Massachusetts | 85% | $545K | 33 | 27 |
| North Carolina | 84% | $105K | 32 | 27 |
| Virginia | 97% | $765K | 31 | 29 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Ithink Financial Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Palm Beach County, FL | Cash-out refinance | 74% | 451 | 333 |
| Palm Beach County, FL | Refinance | 63% | 215 | 134 |
| Cobb County, GA | Cash-out refinance | 77% | 147 | 112 |
| Broward County, FL | Cash-out refinance | 70% | 111 | 78 |
| St. Lucie County, FL | Cash-out refinance | 58% | 133 | 76 |
| Fulton County, GA | Cash-out refinance | 71% | 72 | 50 |
| Cobb County, GA | Refinance | 81% | 59 | 48 |
| Palm Beach County, FL | Investment property purchase | 98% | 43 | 41 |
| Indian River County, FL | Cash-out refinance | 64% | 61 | 38 |
| St. Lucie County, FL | Refinance | 56% | 57 | 32 |
| Broward County, FL | Refinance | 55% | 56 | 31 |
| Cherokee County, GA | Cash-out refinance | 70% | 44 | 31 |
The county markets where Ithink Financial Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Ithink Financial Credit Union
What is Ithink Financial Credit Union's mortgage approval rate?
Ithink Financial Credit Union approved 74.5% of the 2,855 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.2 points below the 74.7% national rate for the same mix of loan types.
How often do borrowers take the loan Ithink Financial Credit Union offers?
Borrowers accepted 99% of the loans Ithink Financial Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Ithink Financial Credit Union make?
The typical cash-out refinance loan Ithink Financial Credit Union made was $105K; across all loan types its typical loan ran from $75K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Ithink Financial Credit Union lend?
Ithink Financial Credit Union decided applications in 36 of the states Fat Boy Data covers, most of them in Florida, Georgia and Maryland.
Can I apply to Ithink Financial Credit Union directly?
Yes. Ithink Financial Credit Union is a bank or credit union with 21 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Ithink Financial Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Ithink Financial Credit Union treats applications, then get a rate quote from the lender.