Thrive Mortgage Rates, Fees & Info
CARROLLTON, TXLEI: 549300TM179TSKK3HQ94
Tax ID: 20-0353048
4.9 stars - Updated: 11/11/24
-
out of 5 stars, based on 79 reviews
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Thrive Mortgage is a small mortgage company specializing in Home Purchase loans. Thrive Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Dallas, San Antonio, Cincinnati, Houston, and Austin among others. We have data for 289 markets. (Some data included below & more in-depth data is available with an active subscription.)Thrive Mortgage has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Thrive Mortgage is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.70% | 11/11/24 |
| 30 Year Conventional Refi | 6.57% | 11/11/24 |
| 30 Year Cash-out Refi | 6.79% | 11/11/24 |
| 30 Year FHA Purchase | 7.76% | 11/11/24 |
| 30 Year FHA Refi | 7.33% | 11/11/24 |
| 30 Year VA Purchase | 6.47% | 11/11/24 |
| 30 Year VA Refi | 6.15% | 11/11/24 |
| 30 Year USDA Purchase | 6.96% | 11/11/24 |
| 15 Year Conventional Purchase | 5.77% | 11/11/24 |
| 15 Year Conventional Refi | 6.23% | 11/11/24 |
| 15 Year Cash-out Refi | 6.23% | 11/11/24 |
| 15 Year FHA Purchase | 7.86% | 11/11/24 |
| 15 Year VA Purchase | 5.91% | 11/11/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Thrive Mortgage Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Thrive Mortgage. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
6,183Origination Dollar Volume (All Markets)
$1,694,465,000Awards
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THRIVE MORTGAGE - 2023
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For 2023, less than of lenders were eligible for this award.
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Relative Rate
Thrive Mortgage's average 30 year fixed mortgage rate was
6.61%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.13%.
Relative Fees (Closing Costs)
Thrive Mortgage's average total fees/closing costs for a 30 year fixed rate
mortgage were $8,746.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 468 | $197,960,000 | $422,991 | $13,367 | 6.55% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 452 | $162,830,000 | $360,243 | $13,271 | 6.48% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 500 | $114,120,000 | $228,240 | $6,271 | 6.61% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 368 | $108,970,000 | $296,114 | $9,756 | 6.69% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 232 | $91,190,000 | $393,060 | $12,233 | 6.64% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 402 | $82,070,000 | $204,154 | $6,145 | 6.95% |
| Outside of Metro Areas | 289 | $61,995,000 | $214,516 | $7,470 | 6.66% |
| LOUISVILLE, KY (FHA|USDA|VA) | 248 | $59,860,000 | $241,371 | $5,686 | 6.53% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 173 | $56,685,000 | $327,659 | $9,121 | 6.27% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 188 | $48,720,000 | $259,149 | $4,441 | 6.66% |
| COLUMBUS, OH (FHA|USDA|VA) | 163 | $48,215,000 | $295,798 | $8,901 | 6.59% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 202 | $45,130,000 | $223,416 | $9,660 | 5.98% |
| LUBBOCK, TX (FHA|USDA|VA) | 151 | $37,305,000 | $247,053 | $7,716 | 6.73% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 85 | $30,905,000 | $363,588 | $9,227 | 6.44% |
| PUEBLO, CO (FHA|USDA|VA) | 112 | $26,770,000 | $239,018 | $10,705 | 6.53% |
| KNOXVILLE, TN (FHA|USDA|VA) | 65 | $24,905,000 | $383,154 | $9,535 | 6.62% |
| MIDLAND, TX (FHA|USDA|VA) | 66 | $22,780,000 | $345,152 | $12,260 | 7.09% |
| COLUMBIA, SC (FHA|USDA|VA) | 111 | $21,675,000 | $195,270 | $6,933 | 5.52% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 69 | $21,625,000 | $313,406 | $11,180 | 6.83% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 92 | $21,580,000 | $234,565 | $8,429 | 5.98% |
| LYNCHBURG, VA (FHA|USDA|VA) | 95 | $20,095,000 | $211,526 | $6,530 | 6.68% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 64 | $18,100,000 | $282,813 | $10,251 | 6.76% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 59 | $15,765,000 | $267,203 | $9,277 | 6.16% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 54 | $15,360,000 | $284,444 | $7,771 | 6.76% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 40 | $14,910,000 | $372,750 | $10,791 | 6.79% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 42 | $14,520,000 | $345,714 | $4,858 | 6.83% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 59 | $12,845,000 | $217,712 | $5,166 | 6.65% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 48 | $11,300,000 | $235,417 | $6,913 | 6.60% |
| WICHITA, KS (FHA|USDA|VA) | 52 | $10,830,000 | $208,269 | $6,666 | 6.89% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 39 | $10,485,000 | $268,846 | $4,566 | 6.41% |
| LAREDO, TX (FHA|USDA|VA) | 46 | $9,920,000 | $215,652 | $10,261 | 6.32% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 22 | $9,640,000 | $438,182 | $11,215 | 6.30% |
| FORT WAYNE, IN (FHA|USDA|VA) | 37 | $8,105,000 | $219,054 | $4,635 | 7.05% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 34 | $8,020,000 | $235,882 | $10,719 | 6.59% |
| Bluffton, IN (FHA|USDA|VA) | 48 | $7,890,000 | $164,375 | $3,644 | 6.99% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 33 | $7,815,000 | $236,818 | $7,324 | 5.83% |
| St. Marys, GA (FHA|USDA|VA) | 27 | $7,655,000 | $283,519 | $10,821 | 6.30% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 32 | $5,390,000 | $168,438 | $4,728 | 5.14% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 25 | $5,185,000 | $207,400 | $6,287 | 7.08% |
| WACO, TX (FHA|USDA|VA) | 19 | $4,945,000 | $260,263 | $10,412 | 6.80% |
| ODESSA, TX (FHA|USDA|VA) | 19 | $4,645,000 | $244,474 | $9,659 | 7.18% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 15 | $4,625,000 | $308,333 | $9,330 | 6.07% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 25 | $4,165,000 | $166,600 | $5,640 | 7.22% |
| FLORENCE, SC (FHA|USDA|VA) | 27 | $4,065,000 | $150,556 | $5,369 | 4.58% |
| Warsaw, IN (FHA|USDA|VA) | 15 | $4,045,000 | $269,667 | $3,223 | 7.02% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 22 | $3,780,000 | $171,818 | $5,732 | 6.84% |
| MUNCIE, IN (FHA|USDA|VA) | 22 | $3,770,000 | $171,364 | $3,315 | 6.93% |
| Decatur, IN (FHA|USDA|VA) | 22 | $3,710,000 | $168,636 | $4,433 | 6.95% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 16 | $3,670,000 | $229,375 | $8,781 | 6.43% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 14 | $3,600,000 | $257,143 | $9,061 | 6.70% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 16 | $3,490,000 | $218,125 | $6,525 | 6.99% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 22 | $3,320,000 | $150,909 | $7,272 | 5.31% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 10 | $3,280,000 | $328,000 | $12,045 | 7.30% |
| SUMTER, SC (FHA|USDA|VA) | 20 | $3,010,000 | $150,500 | $5,716 | 4.54% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 25 | $2,895,000 | $115,800 | $5,490 | 6.47% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 9 | $2,815,000 | $312,778 | $8,436 | 6.39% |
| GREELEY, CO (FHA|USDA|VA) | 6 | $2,680,000 | $446,667 | $16,366 | 6.08% |
| Greenville, OH (FHA|USDA|VA) | 12 | $2,500,000 | $208,333 | $6,536 | 7.05% |
| OWENSBORO, KY (FHA|USDA|VA) | 16 | $2,420,000 | $151,250 | $4,713 | 6.49% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 4 | $2,390,000 | $597,500 | $9,333 | 6.81% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 7 | $2,165,000 | $309,286 | $7,197 | 6.86% |
| Fredericksburg, TX (FHA|USDA|VA) | 4 | $2,150,000 | $537,500 | $13,492 | 6.84% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 12 | $2,070,000 | $172,500 | $6,803 | 6.93% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 5 | $1,805,000 | $361,000 | $5,862 | 6.38% |
| SPARTANBURG, SC (FHA|USDA|VA) | 9 | $1,795,000 | $199,444 | $4,227 | 5.18% |
| Big Spring, TX (FHA|USDA|VA) | 9 | $1,795,000 | $199,444 | $11,345 | 6.47% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 6 | $1,720,000 | $286,667 | $8,804 | 5.25% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 4 | $1,700,000 | $425,000 | $5,600 | 7.03% |
| Sidney, OH (FHA|USDA|VA) | 8 | $1,680,000 | $210,000 | $6,224 | 6.92% |
| AMARILLO, TX (FHA|USDA|VA) | 8 | $1,640,000 | $205,000 | $7,470 | 7.09% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 4 | $1,550,000 | $387,500 | $8,696 | 7.03% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 6 | $1,520,000 | $253,333 | $8,304 | 6.69% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 6 | $1,510,000 | $251,667 | $8,566 | 6.85% |
| FORT COLLINS, CO (FHA|USDA|VA) | 3 | $1,495,000 | $498,333 | $11,317 | 6.58% |
| Frankfort, IN (FHA|USDA|VA) | 7 | $1,435,000 | $205,000 | $5,818 | 6.73% |
| Richmond-Berea, KY (FHA|USDA|VA) | 6 | $1,400,000 | $233,333 | $7,981 | 6.60% |
| BRUNSWICK, GA (FHA|USDA|VA) | 6 | $1,400,000 | $233,333 | $10,272 | 6.64% |
| Granbury, TX (FHA|USDA|VA) | 3 | $1,395,000 | $465,000 | $19,775 | 6.58% |
| Bedford, IN (FHA|USDA|VA) | 7 | $1,385,000 | $197,857 | $4,356 | 6.59% |
| Richmond, IN (FHA|USDA|VA) | 14 | $1,330,000 | $95,000 | $4,048 | 7.02% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 4 | $1,330,000 | $332,500 | $7,741 | 6.78% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 4 | $1,310,000 | $327,500 | $16,600 | 5.69% |
| Connersville, IN (FHA|USDA|VA) | 8 | $1,310,000 | $163,750 | $5,106 | 6.83% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 12 | $1,290,000 | $107,500 | $6,363 | 4.69% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 6 | $1,260,000 | $210,000 | $6,738 | 7.00% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $8,070 | 6.50% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 7 | $1,155,000 | $165,000 | $8,429 | 4.91% |
| Bardstown, KY (FHA|USDA|VA) | 6 | $1,150,000 | $191,667 | $5,944 | 6.79% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 6 | $1,110,000 | $185,000 | $4,494 | 6.88% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 5 | $1,105,000 | $221,000 | $7,064 | 6.48% |
| Orangeburg, SC (FHA|USDA|VA) | 5 | $1,075,000 | $215,000 | $10,937 | 6.28% |
| Mineral Wells, TX (FHA|USDA|VA) | 2 | $1,070,000 | $535,000 | $10,406 | 7.50% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $16,632 | 7.06% |
| RICHMOND, VA (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $5,998 | 6.53% |
| Athens, TX (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $9,125 | 7.08% |
| Alice, TX (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $16,101 | 5.91% |
| Danville, VA (FHA|USDA|VA) | 6 | $960,000 | $160,000 | $7,905 | 7.35% |
| EL PASO, TX (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $8,747 | 7.63% |
| TYLER, TX (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $8,567 | 6.84% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 5 | $915,000 | $183,000 | $5,745 | 6.35% |
| Urbana, OH (FHA|USDA|VA) | 4 | $910,000 | $227,500 | $10,440 | 7.03% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 4 | $910,000 | $227,500 | $5,683 | 6.31% |
| Eagle Pass, TX (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $13,928 | 6.17% |
| MORRISTOWN, TN (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $5,378 | 6.50% |
| Cañon City, CO (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $11,393 | 6.46% |
| Crawfordsville, IN (FHA|USDA|VA) | 5 | $825,000 | $165,000 | $3,076 | 6.73% |
| TULSA, OK (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $4,796 | 6.56% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $10,586 | 6.00% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $3,119 | 7.13% |
| Sulphur Springs, TX (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $12,002 | 6.67% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $9,672 | 6.31% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $11,824 | 6.79% |
| Corsicana, TX (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $13,915 | 6.88% |
| Bellefontaine, OH (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $7,159 | 7.16% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $6,431 | 7.50% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $12,518 | 6.81% |
| OCALA, FL (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $10,069 | 6.17% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $5,229 | 6.00% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $8,350 | 6.56% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $8,396 | 7.69% |
| PANAMA CITY, FL (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $7,259 | 6.79% |
| Levelland, TX (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $7,912 | 7.00% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $6,452 | 7.06% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $5,380 | 6.50% |
| KOKOMO, IN (FHA|USDA|VA) | 5 | $625,000 | $125,000 | $4,458 | 6.98% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $3,184 | 7.13% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $5,615 | 4.00% |
| LAWRENCE, KS (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $11,040 | 5.94% |
| Ruidoso, NM (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $9,438 | 6.38% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $9,486 | 6.75% |
| Wabash, IN (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $3,279 | 7.06% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $3,133 | 4.71% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $17,364 | 6.55% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $5,654 | 7.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,269 | 7.06% |
| Huntington, IN (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $2,739 | 6.91% |
| NEW BERN, NC (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $9,589 | 5.00% |
| Rockport, TX (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $6,632 | 7.19% |
| Stephenville, TX (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $10,958 | 7.06% |
| Sunbury, PA (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $4,567 | 7.29% |
| Pearsall, TX (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $10,625 | 6.88% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $6,317 | 7.17% |
| Dublin, GA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $10,201 | 6.75% |
| Frankfort, KY (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $7,992 | 5.88% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $10,256 | 6.83% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $4,150 | 6.21% |
| Thomaston, GA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $8,777 | 7.38% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $4,271 | 6.50% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $6,413 | 7.47% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $7,857 | 6.81% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $7,717 | 7.44% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $7,802 | 7.25% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $7,814 | 6.75% |
| DOTHAN, AL (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $6,441 | 8.04% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $20,583 | 5.38% |
| HINESVILLE, GA (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $7,585 | 4.29% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $4,534 | 7.44% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $12,524 | 7.50% |
| Bonham, TX (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $9,449 | 7.50% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $5,600 | 6.31% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $5,909 | 7.07% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,730 | 6.00% |
| Marion, OH (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $3,939 | 6.67% |
| Nacogdoches, TX (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $5,548 | 6.94% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $14,216 | 5.75% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $5,189 | 6.62% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $8,051 | 7.50% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,214 | 6.88% |
| Washington Court House, OH (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $7,879 | 7.06% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $8,707 | 6.00% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,533 | 7.50% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $12,350 | 7.25% |
| Marion, IN (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $3,821 | 6.96% |
| Escanaba, MI (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,550 | 6.38% |
| Kingsville, TX (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $10,572 | 5.75% |
| Lamesa, TX (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,954 | 6.38% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $15,256 | 6.63% |
| Mount Vernon, OH (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $7,985 | 7.13% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $17,279 | 6.75% |
| The Dalles, OR (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $15,487 | 6.63% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $13,286 | 6.63% |
| LIMA, OH (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $5,453 | 6.31% |
| Danville, KY (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $4,733 | 6.63% |
| Maysville, KY (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,713 | 6.88% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,575 | 6.50% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,741 | 7.50% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $17,482 | 6.25% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $14,908 | 5.50% |
| Port Lavaca, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $15,884 | 6.88% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,334 | 6.75% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $7,950 | 6.00% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $12,430 | 7.38% |
| Del Rio, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $16,369 | 6.25% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $15,010 | 7.13% |
| Wilmington, OH (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $7,500 | 7.06% |
| VALDOSTA, GA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $6,843 | 3.00% |
| Centralia, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $14,372 | 6.63% |
| Bucyrus-Galion, OH (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $4,255 | 6.88% |
| Campbellsville, KY (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $3,245 | 6.19% |
| McPherson, KS (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,853 | 6.50% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,624 | 6.75% |
| Dyersburg, TN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $13,256 | 5.63% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,777 | 6.88% |
| Findlay, OH (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $10,488 | 7.75% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $10,743 | 7.25% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,124 | 6.75% |
| Oxford, MS (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,688 | 6.13% |
| Russellville, AR (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $6,152 | 6.25% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,506 | 6.25% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $10,463 | 6.13% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,300 | 6.63% |
| El Dorado, AR (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $3,608 | 6.50% |
| Peru, IN (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,337 | 7.13% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $3,100 | 6.00% |
| Searcy, AR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,389 | 6.50% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,767 | 6.38% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,213 | 6.63% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,861 | 6.75% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,501 | 6.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,212 | 6.75% |
| Wapakoneta, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,518 | 6.38% |
| Atmore, AL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $14,514 | 5.88% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $10,682 | 6.75% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,747 | 6.38% |
| MERCED, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,334 | 6.00% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $871 | 3.25% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,369 | 7.38% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,015 | 7.38% |
| New Castle, IN (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $4,678 | 6.69% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,231 | 8.13% |
| Chillicothe, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,506 | 6.13% |
| El Campo, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,008 | 6.38% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,275 | 7.50% |
| Newberry, SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $11,665 | 7.13% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,635 | 7.13% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,821 | 7.00% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,838 | 5.88% |
| MONROE, LA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,591 | 7.13% |
| Hastings, NE (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,485 | 5.88% |
| PINE BLUFF, AR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,277 | 6.63% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,422 | 6.25% |
| Van Wert, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,252 | 7.13% |
| Paris, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,882 | 7.50% |
| Cullman, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,252 | 6.13% |
| Bennettsville, SC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,341 | 6.63% |
| Winfield, KS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,991 | 6.13% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,446 | 6.88% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $12,556 | 5.63% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,989 | 7.25% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,365 | 6.63% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,694 | 6.38% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,661 | 5.63% |
| Madisonville, KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,732 | 6.75% |
| Waycross, GA (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $5,239 | 8.25% |
| Clarksdale, MS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,291 | 6.63% |
| ENID, OK (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,084 | 7.13% |
| Montrose, CO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $11,256 | 7.00% |
| London, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,343 | 6.88% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,280 | 6.25% |
| READING, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,314 | 6.75% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,993 | 7.63% |
| Kendallville, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,047 | 6.25% |
| Newport, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 7.55% |
| Shelby, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,497 | 6.25% |
| Sturgis, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,696 | 7.00% |
| Zapata, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,598 | 6.25% |
| Cordele, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,778 | 6.63% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,628 | 6.00% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,259 | 7.38% |
| Vidalia, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,304 | 5.63% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,300 | 6.25% |
| Forrest City, AR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,689 | 7.25% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $8,133 | 5.75% |
| Brownsville, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $8,626 | 6.38% |
| Jackson, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,596 | 7.63% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,063 | 5.63% |
| Meadville, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,553 | 6.63% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,230 | 6.25% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,254 | 5.75% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,526 | 7.13% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,607 | 7.75% |
| Camden, AR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,791 | 7.13% |
| Borger, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 6.88% |
| Rio Grande City-Roma, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $7,131 | 6.63% |
| DOVER, DE (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 7.48% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,709 | 5.75% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,889 | 7.50% |
| Plainview, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,925 | 6.13% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $6,078 | 6.75% |
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Product Mix
For 2023, Thrive Mortgage's most frequently originated type of loan was Conventional, with 3,740 originations. Their 2nd most popular type was FHA, with 1,726 originations.
Loan Reason
For 2023, Thrive Mortgage's most frequently cited loan purpose was Home Purchase, with 5,559 originations. The 2nd most popular reason was Refi, with 405 originations.
Loan Duration/Length
For 2023, Thrive Mortgage's most frequently cited loan duration was 30 Year, with 5,921 originations. The 2nd most popular length was Other, with 79 originations.
Origination Fees/Closing Costs
Thrive Mortgage's average total fees were $8,746, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,888 originations.
Interest Rates
During 2023, Thrive Mortgage's average interest rate for loans was 6.61%, while their most frequently originated rate bucket for loans was 6-7%, with 3,306 originations.
Loan Sizing
2023 saw Thrive Mortgage place emphasis on $200k-400k loans with 2,901 originations, totaling $819,515,000 in origination value.
Applicant Income
Thrive Mortgage lent most frequently to those with incomes in the $100k-150k range, with 1,448 originations. The second most popular income band? $50k-75k, with 1,420 originations.
Applicant Debt to Income Ratio
Thrive Mortgage lent most frequently to those with DTI ratios of 30-36%, with 880 originations. The next most common DTI ratio? 20-30%, with 784 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.09%
Thrive Mortgage has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination64.35%
Thrive Mortgage has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 6,183 | $1,694,465,000 | $274,052 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6,183 | $1,694,465,000 | $274,052 |