ITHINK FINANCIAL Credit Union in Virginia vs the state
5.9%Denial rate-10.06 pts vs state
5.9%Decision denial rate-14.37 pts vs state
94.1%Origination rate+34.60 pts vs state
6.81%Median rate+0.19 pts vs state
0.02Rate spread (pts)-0.20 pts vs state
$234kMedian applicant income
16Loans originated
1Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 7 | 0.0% | 7.38% | #600 |
| 2024 | 18 | 14 | 5.6% | 7.38% | #493 |
| 2025 | 17 | 16 | 5.9% | 6.81% | #504 |
What ITHINK FINANCIAL Credit Union lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most ITHINK FINANCIAL Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Loudoun County | 5 | 5 | 0 | 0.0% |
| Fairfax County | 4 | 4 | 0 | 0.0% |
| Chesterfield County | 2 | 2 | 0 | 0.0% |
| Prince William County | 1 | 1 | 0 | 0.0% |
| Northumberland County | 1 | 0 | 1 | 100.0% |
| Culpeper County | 1 | 1 | 0 | 0.0% |
| Fairfax city | 1 | 1 | 0 | 0.0% |
| Fauquier County | 1 | 1 | 0 | 0.0% |
| Orange County | 1 | 1 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 17 applications in 2025, of which 16 were originated and 1 denied.
5.9% of all applications, or 5.9% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans ITHINK FINANCIAL Credit Union originated in Virginia in 2025 was 6.81%, against a statewide median of 6.63%.
About this data. Figures are ITHINK FINANCIAL Credit Union's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology