Applications / Mortgage Analytics / Lenders / Florida / Ithink Financial Credit Union
Delray Beach, FL · Credit union · NCUA · $2.3 billion assets · 684 loans in 2025
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684
loans originated, 2025
1,178
applications, 2025
25
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ithink Financial Credit Union is a Florida-based, refinance-led credit union lending in 25 states, with a jumbo-loan share higher than nearly all similar lenders.
Jumbo loans (larger than the conforming limit) were 17.9% of its loans, against 0.8% at similar lenders (credit unions making between half and twice as many loans), higher than nearly all of them. Its typical loan, $105,000, matches peers', so it pairs many smaller loans with a block of very large ones. That mix may help explain why its dollar total, $214.4 million, is about double peers' $100.2 million.
Loans fell 13% to 684, while similar lenders grew 7% and the whole market 10%, leaving it lower than nearly nine in ten peers on growth. Refinance is 58.9% of its lending and purchases 31.4%; a refinance-led lender's volume may move with members' reasons to refinance.
It lent in 25 states, 68 metros and 137 counties, with Florida its main state. It ranked 110 of 937 lenders in Miami-Fort Lauderdale-West Palm Beach, and in Port St. Lucie, FL its share slipped 0.1 points to 0.3%, 61st of 559, behind United Wholesale Mortgage and Rocket Mortgage. With fewer loans in 2025, a small fall in share may simply follow its lower volume.
Loans in majority-minority neighbourhoods were 24.0%, against 10.5% at similar lenders, higher than about seven in ten. Its share in LMI (low- and moderate-income) neighbourhoods, 17.6%, was also higher than about seven in ten.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Ithink Financial Credit Union took 1,178 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 58.9% · Purchase 31.4% · Other 9.5% · Home improvement 0.1%
Conventional 99.6% · USDA (RHS or FSA) 0.3% · FHA 0.1% · of 684 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 375 | 54.8% |
| Georgia | 200 | 29.2% |
| Maryland | 24 | 3.5% |
| Virginia | 16 | 2.3% |
| North Carolina | 14 | 2.0% |
| Massachusetts | 11 | 1.6% |
| Arizona | 5 | 0.7% |
| Texas | 5 | 0.7% |
| Alabama | 4 | 0.6% |
| Tennessee | 4 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| West Palm Beach-Boca Raton-Delray Beach | 186 |
| Marietta | 97 |
| Atlanta-Sandy Springs-Roswell | 89 |
| Port St. Lucie | 52 |
| Fort Lauderdale-Pompano Beach-Sunrise | 40 |
| St. Petersburg-Clearwater-Largo | 23 |
| Sebastian-Vero Beach-West Vero Corridor | 21 |
| Baltimore-Columbia-Towson | 14 |
| Arlington-Alexandria-Reston | 13 |
| Miami-Miami Beach-Kendall | 11 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003BXKRGHQHRJV38 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 908889 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 519659 | 1990–2015 |
| Respondent ID (the HMDA filer code before 2018) | 568663 | 2016–2017 |
Established 1 January 1969. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Ithink Financial Credit Union's data.
Ithink Financial Credit Union's data
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Ithink Financial Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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