ITHINK FINANCIAL Credit Union in Massachusetts vs the state
23.5%Denial rate+7.32 pts vs state
25.0%Decision denial rate+5.05 pts vs state
64.7%Origination rate+2.11 pts vs state
7.25%Median rate+0.63 pts vs state
0.48Rate spread (pts)+0.39 pts vs state
$190kMedian applicant income
11Loans originated
4Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 5 | 14.3% | 8.25% | #465 |
| 2024 | 11 | 11 | 0.0% | 7.88% | #442 |
| 2025 | 17 | 11 | 23.5% | 7.25% | #427 |
What ITHINK FINANCIAL Credit Union lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most ITHINK FINANCIAL Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 5 | 2 | 3 | 60.0% |
| Middlesex County | 5 | 5 | 0 | 0.0% |
| Norfolk County | 3 | 2 | 0 | 0.0% |
| Suffolk County | 2 | 0 | 1 | 50.0% |
| Bristol County | 1 | 1 | 0 | 0.0% |
| Plymouth County | 1 | 1 | 0 | 0.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 17 applications in 2025, of which 11 were originated and 4 denied.
23.5% of all applications, or 25.0% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans ITHINK FINANCIAL Credit Union originated in Massachusetts in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are ITHINK FINANCIAL Credit Union's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology