ITHINK FINANCIAL Credit Union in Maryland vs the state
0.0%Denial rate-18.80 pts vs state
0.0%Decision denial rate-24.13 pts vs state
92.3%Origination rate+36.60 pts vs state
7.19%Median rate+0.56 pts vs state
0.44Rate spread (pts)+0.19 pts vs state
$187kMedian applicant income
24Loans originated
0Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 19 | 18 | 0.0% | 7.25% | #395 |
| 2024 | 25 | 24 | 0.0% | 7.50% | #376 |
| 2025 | 26 | 24 | 0.0% | 7.19% | #386 |
What ITHINK FINANCIAL Credit Union lends in Maryland
By loan purpose
By loan type
Where in Maryland
Counties with the most ITHINK FINANCIAL Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Anne Arundel County | 5 | 4 | 0 | 0.0% |
| Montgomery County | 3 | 3 | 0 | 0.0% |
| Baltimore city | 3 | 3 | 0 | 0.0% |
| Baltimore County | 3 | 3 | 0 | 0.0% |
| Queen Anne's County | 2 | 2 | 0 | 0.0% |
| Howard County | 2 | 1 | 0 | 0.0% |
| Prince George's County | 2 | 2 | 0 | 0.0% |
| Kent County | 1 | 1 | 0 | 0.0% |
| Talbot County | 1 | 1 | 0 | 0.0% |
| Charles County | 1 | 1 | 0 | 0.0% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 26 applications in 2025, of which 24 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans ITHINK FINANCIAL Credit Union originated in Maryland in 2025 was 7.19%, against a statewide median of 6.63%.
About this data. Figures are ITHINK FINANCIAL Credit Union's own HMDA filing for properties located in Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology