ITHINK FINANCIAL Credit Union in Florida vs the state
30.5%Denial rate+9.39 pts vs state
35.8%Decision denial rate+8.58 pts vs state
54.1%Origination rate+1.42 pts vs state
8.00%Median rate+1.38 pts vs state
0.71Rate spread (pts)+0.44 pts vs state
$130kMedian applicant income
375Loans originated
211Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 857 | 556 | 20.8% | 8.25% | #168 |
| 2024 | 877 | 510 | 25.4% | 8.75% | #167 |
| 2025 | 693 | 375 | 30.5% | 8.00% | #197 |
What ITHINK FINANCIAL Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most ITHINK FINANCIAL Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 328 | 186 | 93 | 28.4% |
| Broward County | 95 | 40 | 34 | 35.8% |
| St. Lucie County | 73 | 30 | 37 | 50.7% |
| Indian River County | 38 | 21 | 13 | 34.2% |
| Martin County | 31 | 22 | 8 | 25.8% |
| Pinellas County | 24 | 23 | 1 | 4.2% |
| Miami-Dade County | 22 | 11 | 5 | 22.7% |
| Brevard County | 11 | 9 | 2 | 18.2% |
| Orange County | 10 | 2 | 6 | 60.0% |
| Duval County | 5 | 2 | 1 | 20.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 693 applications in 2025, of which 375 were originated and 211 denied.
30.5% of all applications, or 35.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans ITHINK FINANCIAL Credit Union originated in Florida in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are ITHINK FINANCIAL Credit Union's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology