ITHINK FINANCIAL Credit Union in Tennessee vs the state
42.9%Denial rate+25.72 pts vs state
42.9%Decision denial rate+21.18 pts vs state
57.1%Origination rate-0.94 pts vs state
8.25%Median rate+1.63 pts vs state
1.09Rate spread (pts)+0.86 pts vs state
$132kMedian applicant income
4Loans originated
3Denied
What ITHINK FINANCIAL Credit Union lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most ITHINK FINANCIAL Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 2 | 1 | 1 | 50.0% |
| Sumner County | 1 | 1 | 0 | 0.0% |
| Fayette County | 1 | 1 | 0 | 0.0% |
| Anderson County | 1 | 0 | 1 | 100.0% |
| Rutherford County | 1 | 1 | 0 | 0.0% |
| Fentress County | 1 | 0 | 1 | 100.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 7 applications in 2025, of which 4 were originated and 3 denied.
42.9% of all applications, or 42.9% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans ITHINK FINANCIAL Credit Union originated in Tennessee in 2025 was 8.25%, against a statewide median of 6.62%.
About this data. Figures are ITHINK FINANCIAL Credit Union's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology