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 score and performance metrics.

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 an overall pricing score of 7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is ITHINK FINANCIAL Credit Union?

ITHINK FINANCIAL Credit Union is a Credit Union headquartered in Delray Beach, FL.

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ITHINK FINANCIAL Credit Union

Credit Union•Delray Beach, FLHQ•Direct & Wholesale•Reviews near you on Google

ITHINK FINANCIAL Credit Union has 279 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Sound

3/5

Multi-Region · 7 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average
Higher than average fees ($4,870)

Explore another lender or local market

Report Card

ITHINK FINANCIAL Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+23.1 bps above market avg

1/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

215 loans · 0.29% above market

Sound

Top 60% of lenders

3/5

Jumbo

64 loans · 0.14% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

238 loans · 0.21% above market

Sound

Top 60% of lenders

3/5

Refinance

41 loans · 0.38% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 8 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Sound	Mediocre	Sound	215	77.1%	+0.287%Above	$4,814Fees
Jumbo Loans	Strong	Strong	—	Strong	64	22.9%	-0.138%Below	$5,245Fees

Conventional

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Sound

Volume215

Mix77.1%

Spread

+0.287%Above

Fees

$4,814Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume64

Mix22.9%

Spread

-0.138%Below

Fees

$5,245Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Sound	Mediocre	Sound	238	85.3%	+0.211%Above	$4,896Fees
Refinance	Sound	Sound	—	Sound	41	14.7%	+0.380%Above	$4,674Fees

Purchase

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Sound

Volume238

Mix85.3%

Spread

+0.211%Above

Fees

$4,896Fees

Refinance

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume41

Mix14.7%

Spread

+0.380%Above

Fees

$4,674Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

279

Applications

363

Volume

$153 million

Pricing & Closing

Avg Rate Spread

+0.231%

vs. market APOR

Avg Net Fees

$4,870

Origination − Credits

Pullthrough Rate

76.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$551,487

Avg Borrower Income

$328,197

Avg Property Value

$983,542

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

20Full-year 2024 · HMDA

Loans originated

< 1010–2020+None

Northeast6

CTMANHNJPARI

Midwest2

MIMN

South8

DCFLGAMDNCSCTXVA

West4

AZCACOWA

Top Metro Areas by Place Specialization Score

1© Don Ramey Logan · CC BY 4.0

West Palm Beach, FLMetro

Volume 59Mix 21.15% of portfolio

70/100

Strong

Port St. Lucie, FLMetro

Volume 28Mix 10.04% of portfolio

63/100

Strong

Fort Lauderdale, FLMetro

Volume 23Mix 8.24% of portfolio

54/100

Sound

Miami, FLMetro

Volume 21Mix 7.53% of portfolio

52/100

Sound

St. Petersburg, FLMetro

Volume 15Mix 5.38% of portfolio

50/100

Sound

Baltimore, MDMetro

Volume 17Mix 6.09% of portfolio

48/100

Sound

Palm Bay, FLMetro

Volume 11Mix 3.94% of portfolio

45/100

Sound

Top States by Place Specialization Score

FloridaState

Volume 198Mix 70.97% of portfolio

69/100

Strong

MarylandState

Volume 22Mix 7.89% of portfolio

49/100

Sound

GeorgiaState

Volume 16Mix 5.73% of portfolio

44/100

Sound

VirginiaState

Volume 12Mix 4.30% of portfolio

42/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.