ITHINK FINANCIAL Credit Union in Georgia vs the state
25.9%Denial rate+6.63 pts vs state
29.5%Decision denial rate+4.40 pts vs state
61.5%Origination rate+7.45 pts vs state
8.00%Median rate+1.38 pts vs state
0.74Rate spread (pts)+0.47 pts vs state
$111kMedian applicant income
200Loans originated
84Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 345 | 226 | 22.3% | 8.50% | #164 |
| 2024 | 310 | 177 | 26.5% | 8.75% | #190 |
| 2025 | 325 | 200 | 25.9% | 8.00% | #193 |
What ITHINK FINANCIAL Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most ITHINK FINANCIAL Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cobb County | 97 | 63 | 19 | 19.6% |
| Fulton County | 47 | 18 | 21 | 44.7% |
| Pickens County | 32 | 22 | 7 | 21.9% |
| Cherokee County | 28 | 17 | 7 | 25.0% |
| Paulding County | 21 | 14 | 6 | 28.6% |
| DeKalb County | 19 | 12 | 6 | 31.6% |
| Gwinnett County | 14 | 9 | 4 | 28.6% |
| Henry County | 11 | 7 | 4 | 36.4% |
| Forsyth County | 11 | 9 | 1 | 9.1% |
| Clayton County | 8 | 2 | 4 | 50.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 325 applications in 2025, of which 200 were originated and 84 denied.
25.9% of all applications, or 29.5% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans ITHINK FINANCIAL Credit Union originated in Georgia 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 Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology