Lender profile · HMDA 2023–2025
Ithink Financial Credit Union mortgage approval rates & lending data
Ithink Financial Credit Union decided 2,855 mortgage applications and funded 2,108 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
| California | 88% | $275K | 17 | 14 |
| South Carolina | 86% | $85K | 14 | 12 |
| Texas | 69% | $65K | 13 | 8 |
| Arizona | 100% | $245K | 12 | 12 |
| Rhode Island | 89% | $155K | 9 | 8 |
| Illinois | 57% | $25K | 7 | 4 |
| Michigan | 57% | $105K | 7 | 4 |
| Pennsylvania | 86% | $105K | 7 | 6 |
| New Jersey | 83% | $105K | 6 | 5 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.