# ITHINK FINANCIAL Credit Union

> **Canonical URL:** https://saferate.com/lenders/ithink-financial-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ITHINK FINANCIAL Credit Union is a credit union, headquartered in Delray Beach, FL, serving borrowers across 20 states, with 279 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 93% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 47% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493003BXKRGHQHRJV38
- **Headquarters:** Delray Beach, FL
- **Geographic Reach:** Multi-Region
- **States Served:** 20
- **State List:** AZ, CA, CO, CT, DC, FL, GA, MA, MD, MI, MN, NC, NH, NJ, PA, RI, SC, TX, VA, WA
- **Markets (MSAs):** 8
- **Primary Channel:** mix
- **Direct Origination:** 23.7%
- **Brokered/Wholesale:** 76.3%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 7/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.231%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,870
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 279
- **Dollar Volume:** $154 million
- **Applications Received:** 363
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $551,487
- **Average Borrower Income:** $328,197
- **Average Property Value:** $983,542

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 44/100 | 215 | +0.287% | $4,814 | Sound ☺️ |
| Jumbo | 76/100 | 64 | -0.138% | $5,245 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 179 loans, Score: 44/100 (Sound)
- Refinance: 36 loans, Score: 39/100 (Acceptable)

**Jumbo:**
- Purchase: 59 loans, Score: 77/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 47/100 | 238 | $131M | +0.211% | Sound ☺️ |
| Refinance | 43/100 | 41 | $22M | +0.380% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 198 | 0.07% | 69/100 |
| MD | 22 | 0.03% | 49/100 |
| GA | 16 | 0.01% | 44/100 |
| VA | 12 | 0.01% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| West Palm Beach | FL | 59 | 70/100 |
| Port St. Lucie, FL | FL | 28 | 63/100 |
| Fort Lauderdale | FL | 23 | 54/100 |
| Miami | FL | 21 | 52/100 |
| Baltimore | MD | 17 | 48/100 |
| St. Petersburg | FL | 15 | 50/100 |
| Palm Bay | FL | 11 | 45/100 |
| Non |  | 11 | 23/100 |

## Where This Lender Ranks

ITHINK FINANCIAL Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in West Palm Beach for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/west-palm-beach/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in West Palm Beach for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/west-palm-beach/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#4** in Port St. Lucie, FL Credit Unions
  - [View Full Rankings](https://saferate.com/port-st-lucie-fl/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Port St. Lucie, FL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/port-st-lucie-fl/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does ITHINK FINANCIAL Credit Union offer?

ITHINK FINANCIAL Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ITHINK FINANCIAL Credit Union offer mortgages?

ITHINK FINANCIAL Credit Union offers mortgages in 20 states: AZ, CA, CO, CT, DC, FL, GA, MA, MD, MI, MN, NC, NH, NJ, PA, RI, SC, TX, VA, WA.

### How competitive are ITHINK FINANCIAL Credit Union's mortgage rates?

ITHINK FINANCIAL Credit Union has a pricing score of 7/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.231% above market average.

### What type of lender is ITHINK FINANCIAL Credit Union?

ITHINK FINANCIAL Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Delray Beach, FL.

### What is ITHINK FINANCIAL Credit Union's loan approval success rate?

ITHINK FINANCIAL Credit Union has a pull-through score of 53/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/ithink-financial-credit-union

### How to Cite

> "ITHINK FINANCIAL Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/ithink-financial-credit-union

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