ITHINK FINANCIAL Credit Union in North Carolina vs the state
9.5%Denial rate-8.54 pts vs state
12.5%Decision denial rate-10.32 pts vs state
66.7%Origination rate+8.86 pts vs state
7.75%Median rate+1.25 pts vs state
0.71Rate spread (pts)+0.62 pts vs state
$173kMedian applicant income
14Loans originated
2Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 6 | 22.2% | 8.75% | #637 |
| 2024 | 15 | 11 | 20.0% | 8.75% | #554 |
| 2025 | 21 | 14 | 9.5% | 7.75% | #518 |
What ITHINK FINANCIAL Credit Union lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most ITHINK FINANCIAL Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Moore County | 3 | 2 | 0 | 0.0% |
| Wake County | 3 | 1 | 0 | 0.0% |
| Mecklenburg County | 3 | 1 | 1 | 33.3% |
| Harnett County | 2 | 2 | 0 | 0.0% |
| Iredell County | 2 | 2 | 0 | 0.0% |
| Durham County | 1 | 1 | 0 | 0.0% |
| Cumberland County | 1 | 1 | 0 | 0.0% |
| Brunswick County | 1 | 0 | 1 | 100.0% |
| Burke County | 1 | 1 | 0 | 0.0% |
| Orange County | 1 | 1 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 21 applications in 2025, of which 14 were originated and 2 denied.
9.5% of all applications, or 12.5% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans ITHINK FINANCIAL Credit Union originated in North Carolina in 2025 was 7.75%, against a statewide median of 6.50%.
About this data. Figures are ITHINK FINANCIAL Credit Union's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology