Thrive Mortgage Rates, Fees & Info

CARROLLTON, TX

LEI: 549300TM179TSKK3HQ94

Tax ID: 20-0353048

3.2 stars - out of 5 stars, based on 101 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Thrive Mortgage is a small mortgage company specializing in Home Purchase and Refi 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. Their top markets by origination volume include: Dallas, Houston, San Antonio, Austin, and Washington among others. We have data for 274 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 an average fee lender. They typically have about average 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 in 2021-- chances are they are still one in 2022.

    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 5.73% 8/6/22
    30 Year Conventional Refi 5.58% 8/6/22
    30 Year Cash-out Refi 5.76% 8/6/22
    30 Year FHA Purchase 6.73% 8/6/22
    30 Year FHA Refi 6.22% 8/6/22
    30 Year VA Purchase 5.47% 8/6/22
    30 Year VA Refi 5.08% 8/6/22
    30 Year USDA Purchase 5.81% 8/6/22
    30 Year USDA Refi 5.64% 8/6/22
    15 Year Conventional Purchase 4.45% 8/6/22
    15 Year Conventional Refi 4.64% 8/6/22
    15 Year Cash-out Refi 4.64% 8/6/22
    15 Year FHA Purchase 6.52% 8/6/22
    15 Year VA Refi 4.71% 8/6/22
    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.


    Originations

    10,109

    Origination Dollar Volume (All Markets)

    $2,739,855,000
    Show all (7) awards

    Relative Rate

    Thrive Mortgage 's average 30 year fixed rate mortgage of loans were 3.19%.

    The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

    This yields a difference of 0.04%.

    Relative Fees

    Thrive Mortgage 's average total fees for a 30 year fixed rate mortgage are $6,423.

    The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

    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) » 1,745 $550,855,000 $315,676 $7,131 3.16%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) » 1,330 $348,260,000 $261,850 $6,754 3.22%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) » 1,004 $298,940,000 $297,749 $7,359 3.15%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) » 855 $277,865,000 $324,988 $6,669 3.11%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) » 408 $160,010,000 $392,181 $6,174 2.79%
    DAYTON-KETTERING, OH (FHA|USDA|VA) » 770 $127,980,000 $166,208 $4,348 3.28%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) » 330 $119,350,000 $361,667 $6,469 2.93%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) » 514 $106,910,000 $207,996 $3,690 2.96%
    Outside of Metro Areas 274 $68,850,000 $251,277 $6,829 3.22%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) » 223 $49,525,000 $222,085 $4,662 3.26%
    PUEBLO, CO (FHA|USDA|VA) » 192 $44,450,000 $231,510 $7,952 3.24%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) » 157 $37,405,000 $238,248 $6,620 3.27%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) » 161 $34,435,000 $213,882 $4,807 2.82%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) » 84 $28,390,000 $337,976 $6,110 2.88%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) » 120 $27,890,000 $232,417 $5,211 3.18%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) » 110 $25,150,000 $228,636 $4,109 3.06%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) » 82 $21,700,000 $264,634 $10,285 3.37%
    WICHITA, KS (FHA|USDA|VA) » 130 $19,370,000 $149,000 $3,651 2.92%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) » 78 $19,340,000 $247,949 $5,243 3.12%
    LAREDO, TX (FHA|USDA|VA) » 76 $16,310,000 $214,605 $6,434 3.16%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) » 79 $16,155,000 $204,494 $7,236 3.42%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) » 23 $13,705,000 $595,870 $7,637 2.86%
    SPRINGFIELD, OH (FHA|USDA|VA) » 86 $13,070,000 $151,977 $4,542 3.18%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) » 35 $10,715,000 $306,143 $6,317 3.04%
    COLUMBUS, OH (FHA|USDA|VA) » 37 $9,745,000 $263,378 $4,639 3.26%
    AMARILLO, TX (FHA|USDA|VA) » 46 $9,220,000 $200,435 $5,931 3.58%
    GREELEY, CO (FHA|USDA|VA) » 25 $9,085,000 $363,400 $9,409 3.25%
    SHERMAN-DENISON, TX (FHA|USDA|VA) » 32 $8,280,000 $258,750 $7,058 3.31%
    CORPUS CHRISTI, TX (FHA|USDA|VA) » 27 $7,295,000 $270,185 $8,064 3.25%
    COLORADO SPRINGS, CO (FHA|USDA|VA) » 23 $7,285,000 $316,739 $9,098 3.02%
    ASHEVILLE, NC (FHA|USDA|VA) » 34 $7,160,000 $210,588 $4,725 3.04%
    WACO, TX (FHA|USDA|VA) » 20 $6,460,000 $323,000 $6,405 3.03%
    KANSAS CITY, MO-KS (FHA|USDA|VA) » 25 $6,345,000 $253,800 $4,847 2.76%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) » 21 $6,295,000 $299,762 $5,064 2.98%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) » 28 $5,980,000 $213,571 $6,367 3.21%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) » 25 $5,535,000 $221,400 $7,785 2.82%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) » 17 $5,445,000 $320,294 $9,834 3.54%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) » 11 $4,555,000 $414,091 $7,550 2.93%
    KNOXVILLE, TN (FHA|USDA|VA) » 20 $4,260,000 $213,000 $9,622 3.03%
    Corsicana, TX (FHA|USDA|VA) » 18 $4,180,000 $232,222 $6,835 3.29%
    FORT COLLINS, CO (FHA|USDA|VA) » 12 $4,130,000 $344,167 $4,857 3.17%
    BOULDER, CO (FHA|USDA|VA) » 12 $4,030,000 $335,833 $5,310 3.44%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) » 13 $3,745,000 $288,077 $4,423 3.13%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) » 6 $3,490,000 $581,667 $11,037 3.04%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) » 19 $3,455,000 $181,842 $4,316 3.10%
    LUBBOCK, TX (FHA|USDA|VA) » 20 $3,430,000 $171,500 $5,981 3.48%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) » 19 $3,405,000 $179,211 $4,163 3.03%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) » 19 $3,345,000 $176,053 $3,089 3.70%
    Huntsville, TX (FHA|USDA|VA) » 10 $3,340,000 $334,000 $9,396 3.66%
    Athens, TX (FHA|USDA|VA) » 12 $3,190,000 $265,833 $8,277 3.47%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) » 11 $3,175,000 $288,636 $5,316 3.07%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) » 7 $3,075,000 $439,286 $4,360 2.89%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) » 6 $2,950,000 $491,667 $7,240 2.96%
    Urbana, OH (FHA|USDA|VA) » 21 $2,905,000 $138,333 $4,344 3.35%
    Rockport, TX (FHA|USDA|VA) » 11 $2,905,000 $264,091 $10,382 3.35%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) » 10 $2,900,000 $290,000 $4,848 2.99%
    MIDLAND, TX (FHA|USDA|VA) » 11 $2,815,000 $255,909 $5,684 2.90%
    RALEIGH-CARY, NC (FHA|USDA|VA) » 11 $2,505,000 $227,727 $3,255 2.59%
    LYNCHBURG, VA (FHA|USDA|VA) » 12 $2,450,000 $204,167 $5,579 3.64%
    Greenville, OH (FHA|USDA|VA) » 14 $2,370,000 $169,286 $4,915 3.28%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) » 11 $2,345,000 $213,182 $5,013 3.03%
    SALISBURY, MD-DE (FHA|USDA|VA) » 7 $2,345,000 $335,000 $5,145 3.02%
    Edwards, CO (FHA|USDA|VA) » 5 $2,205,000 $441,000 $6,862 3.03%
    FORT WAYNE, IN (FHA|USDA|VA) » 11 $2,195,000 $199,545 $3,655 3.23%
    BATON ROUGE, LA (FHA|USDA|VA) » 8 $2,190,000 $273,750 $8,777 3.09%
    Granbury, TX (FHA|USDA|VA) » 8 $2,150,000 $268,750 $5,969 3.32%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) » 14 $2,150,000 $153,571 $4,586 2.64%
    TYLER, TX (FHA|USDA|VA) » 10 $2,120,000 $212,000 $5,488 3.04%
    MONROE, LA (FHA|USDA|VA) » 11 $2,085,000 $189,545 $8,532 3.15%
    RICHMOND, VA (FHA|USDA|VA) » 8 $2,070,000 $258,750 $2,988 2.69%
    ODESSA, TX (FHA|USDA|VA) » 8 $2,050,000 $256,250 $9,165 3.38%
    BOWLING GREEN, KY (FHA|USDA|VA) » 11 $1,995,000 $181,364 $5,632 2.39%
    Breckenridge, CO (FHA|USDA|VA) » 3 $1,965,000 $655,000 $6,358 3.00%
    CaƱon City, CO (FHA|USDA|VA) » 8 $1,900,000 $237,500 $8,403 3.06%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) » 7 $1,825,000 $260,714 $2,873 2.73%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) » 8 $1,740,000 $217,500 $5,138 3.05%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) » 5 $1,705,000 $341,000 $7,208 2.75%
    CHICO, CA (FHA|USDA|VA) » 4 $1,700,000 $425,000 $5,240 3.25%
    COLUMBIA, SC (FHA|USDA|VA) » 8 $1,610,000 $201,250 $3,995 3.17%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) » 8 $1,600,000 $200,000 $4,450 3.03%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) » 8 $1,580,000 $197,500 $3,828 3.15%
    Kerrville, TX (FHA|USDA|VA) » 5 $1,545,000 $309,000 $4,374 3.33%
    Bonham, TX (FHA|USDA|VA) » 7 $1,545,000 $220,714 $5,862 3.45%
    Rockingham, NC (FHA|USDA|VA) » 11 $1,545,000 $140,455 $5,494 2.99%
    OKLAHOMA CITY, OK (FHA|USDA|VA) » 10 $1,510,000 $151,000 $4,452 3.30%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) » 7 $1,505,000 $215,000 $5,539 3.07%
    Fredericksburg, TX (FHA|USDA|VA) » 4 $1,430,000 $357,500 $7,883 3.34%
    PANAMA CITY, FL (FHA|USDA|VA) » 4 $1,360,000 $340,000 $9,640 3.03%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) » 5 $1,355,000 $271,000 $8,392 3.10%
    STOCKTON, CA (FHA|USDA|VA) » 3 $1,315,000 $438,333 $9,686 2.83%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) » 4 $1,310,000 $327,500 $8,913 3.03%
    LAFAYETTE, LA (FHA|USDA|VA) » 3 $1,295,000 $431,667 $15,772 3.79%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) » 6 $1,270,000 $211,667 $4,391 3.21%
    Natchitoches, LA (FHA|USDA|VA) » 9 $1,245,000 $138,333 $6,108 2.86%
    GRAND JUNCTION, CO (FHA|USDA|VA) » 4 $1,210,000 $302,500 $7,169 3.44%
    Sidney, OH (FHA|USDA|VA) » 7 $1,115,000 $159,286 $4,929 3.43%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) » 2 $1,110,000 $555,000 $4,736 2.88%
    BOISE CITY, ID (FHA|USDA|VA) » 3 $1,095,000 $365,000 $4,323 3.04%
    El Campo, TX (FHA|USDA|VA) » 4 $1,070,000 $267,500 $9,014 3.97%
    LAWRENCE, KS (FHA|USDA|VA) » 3 $1,065,000 $355,000 $2,934 3.04%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) » 2 $1,030,000 $515,000 $16,023 3.25%
    Fort Morgan, CO (FHA|USDA|VA) » 3 $1,015,000 $338,333 $4,354 3.00%
    Gainesville, TX (FHA|USDA|VA) » 2 $1,000,000 $500,000 $9,108 3.00%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) » 3 $985,000 $328,333 $6,341 3.13%
    Bardstown, KY (FHA|USDA|VA) » 5 $985,000 $197,000 $3,495 3.25%
    JACKSONVILLE, FL (FHA|USDA|VA) » 4 $970,000 $242,500 $3,535 2.94%
    Alice, TX (FHA|USDA|VA) » 4 $950,000 $237,500 $9,249 3.38%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) » 4 $940,000 $235,000 $6,386 3.47%
    Pearsall, TX (FHA|USDA|VA) » 4 $940,000 $235,000 $10,222 3.16%
    WICHITA FALLS, TX (FHA|USDA|VA) » 4 $930,000 $232,500 $4,030 3.13%
    Eagle Pass, TX (FHA|USDA|VA) » 3 $915,000 $305,000 $9,195 3.08%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) » 4 $900,000 $225,000 $3,679 3.19%
    EL PASO, TX (FHA|USDA|VA) » 5 $885,000 $177,000 $5,845 2.95%
    WALLA WALLA, WA (FHA|USDA|VA) » 3 $875,000 $291,667 $12,756 3.50%
    Brenham, TX (FHA|USDA|VA) » 3 $865,000 $288,333 $6,771 3.50%
    Mount Sterling, KY (FHA|USDA|VA) » 5 $785,000 $157,000 $3,765 2.93%
    LONGVIEW, WA (FHA|USDA|VA) » 1 $755,000 $755,000 $6,209 2.88%
    Lamesa, TX (FHA|USDA|VA) » 6 $730,000 $121,667 $5,238 3.42%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) » 4 $730,000 $182,500 $4,470 3.06%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) » 2 $730,000 $365,000 $4,034 2.81%
    Frankfort, KY (FHA|USDA|VA) » 5 $725,000 $145,000 $2,718 2.83%
    PORT ST. LUCIE, FL (FHA|USDA|VA) » 3 $715,000 $238,333 $7,220 3.04%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) » 2 $710,000 $355,000 $4,469 3.00%
    HAMMOND, LA (FHA|USDA|VA) » 3 $705,000 $235,000 $5,977 3.21%
    SPRINGFIELD, MO (FHA|USDA|VA) » 2 $700,000 $350,000 $3,874 3.06%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) » 3 $695,000 $231,667 $3,612 3.38%
    Rio Grande City-Roma, TX (FHA|USDA|VA) » 3 $685,000 $228,333 $11,237 3.58%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) » 2 $680,000 $340,000 $6,942 3.31%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) » 1 $665,000 $665,000 $10,450 3.75%
    Stephenville, TX (FHA|USDA|VA) » 4 $650,000 $162,500 $6,430 2.41%
    Madison, IN (FHA|USDA|VA) » 4 $640,000 $160,000 $4,264 2.84%
    Bellefontaine, OH (FHA|USDA|VA) » 5 $635,000 $127,000 $4,300 3.10%
    ST. LOUIS, MO-IL (FHA|USDA|VA) » 2 $630,000 $315,000 $11,184 2.94%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) » 3 $615,000 $205,000 $6,020 2.71%
    Mineral Wells, TX (FHA|USDA|VA) » 2 $590,000 $295,000 $11,554 3.25%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) » 1 $585,000 $585,000 $4,870 3.25%
    Forest City, NC (FHA|USDA|VA) » 3 $575,000 $191,667 $5,526 3.17%
    Washington Court House, OH (FHA|USDA|VA) » 4 $570,000 $142,500 $5,183 3.16%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) » 2 $570,000 $285,000 $12,043 2.63%
    VALLEJO, CA (FHA|USDA|VA) » 2 $560,000 $280,000 $0 1.77%
    Ruston, LA (FHA|USDA|VA) » 2 $550,000 $275,000 $11,234 3.38%
    TOLEDO, OH (FHA|USDA|VA) » 1 $545,000 $545,000 $4,504 2.88%
    Kill Devil Hills, NC (FHA|USDA|VA) » 2 $530,000 $265,000 $4,849 3.31%
    TULSA, OK (FHA|USDA|VA) » 2 $520,000 $260,000 $5,732 2.63%
    Wilmington, OH (FHA|USDA|VA) » 2 $520,000 $260,000 $5,328 3.63%
    Levelland, TX (FHA|USDA|VA) » 2 $510,000 $255,000 $6,345 2.75%
    Lufkin, TX (FHA|USDA|VA) » 1 $495,000 $495,000 $23,887 3.25%
    COLUMBUS, GA-AL (FHA|USDA|VA) » 2 $490,000 $245,000 $4,585 3.25%
    Jacksonville, TX (FHA|USDA|VA) » 2 $490,000 $245,000 $4,488 3.31%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) » 1 $485,000 $485,000 $2,817 2.63%
    LONGVIEW, TX (FHA|USDA|VA) » 2 $480,000 $240,000 $6,787 2.75%
    Moses Lake, WA (FHA|USDA|VA) » 1 $475,000 $475,000 $13,272 4.13%
    DOVER, DE (FHA|USDA|VA) » 1 $465,000 $465,000 $0 3.00%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) » 1 $465,000 $465,000 $4,968 3.25%
    Oak Harbor, WA (FHA|USDA|VA) » 1 $455,000 $455,000 $20,858 3.25%
    FAYETTEVILLE, NC (FHA|USDA|VA) » 2 $450,000 $225,000 $3,542 2.69%
    Gaffney, SC (FHA|USDA|VA) » 3 $425,000 $141,667 $6,390 2.83%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) » 4 $410,000 $102,500 $4,670 2.25%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) » 1 $405,000 $405,000 $7,887 2.88%
    Bogalusa, LA (FHA|USDA|VA) » 1 $405,000 $405,000 $7,445 3.63%
    WINCHESTER, VA-WV (FHA|USDA|VA) » 1 $375,000 $375,000 $4,533 2.38%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) » 1 $375,000 $375,000 $17,311 3.25%
    AKRON, OH (FHA|USDA|VA) » 4 $370,000 $92,500 $10,214 2.13%
    WILMINGTON, NC (FHA|USDA|VA) » 2 $370,000 $185,000 $4,204 2.94%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) » 2 $370,000 $185,000 $4,551 3.25%
    Sulphur Springs, TX (FHA|USDA|VA) » 2 $370,000 $185,000 $5,675 3.50%
    Sevierville, TN (FHA|USDA|VA) » 1 $365,000 $365,000 $0 2.88%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) » 1 $365,000 $365,000 $2,978 3.38%
    Kingsville, TX (FHA|USDA|VA) » 1 $365,000 $365,000 $19,750 4.00%
    Montrose, CO (FHA|USDA|VA) » 1 $365,000 $365,000 $14,133 3.25%
    Warsaw, IN (FHA|USDA|VA) » 1 $355,000 $355,000 $4,251 2.63%
    Ellensburg, WA (FHA|USDA|VA) » 1 $345,000 $345,000 $4,382 3.13%
    WINSTON-SALEM, NC (FHA|USDA|VA) » 3 $345,000 $115,000 $2,929 2.79%
    ALBUQUERQUE, NM (FHA|USDA|VA) » 1 $335,000 $335,000 $5,593 2.75%
    Morehead City, NC (FHA|USDA|VA) » 1 $335,000 $335,000 $2,386 3.00%
    Chillicothe, OH (FHA|USDA|VA) » 3 $335,000 $111,667 $8,569 2.50%
    ALEXANDRIA, LA (FHA|USDA|VA) » 3 $325,000 $108,333 $4,965 2.50%
    BAKERSFIELD, CA (FHA|USDA|VA) » 3 $325,000 $108,333 $50 1.67%
    YAKIMA, WA (FHA|USDA|VA) » 1 $325,000 $325,000 $9,678 3.13%
    LANCASTER, PA (FHA|USDA|VA) » 1 $325,000 $325,000 $7,456 2.38%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) » 1 $315,000 $315,000 $3,438 4.00%
    Sandpoint, ID (FHA|USDA|VA) » 1 $315,000 $315,000 $5,575 2.75%
    Albemarle, NC (FHA|USDA|VA) » 1 $315,000 $315,000 $0 3.50%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) » 2 $310,000 $155,000 $2,800 2.75%
    OWENSBORO, KY (FHA|USDA|VA) » 2 $310,000 $155,000 $4,516 3.06%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) » 1 $305,000 $305,000 $2,902 3.38%
    LAKE CHARLES, LA (FHA|USDA|VA) » 1 $305,000 $305,000 $4,388 2.88%
    LOGAN, UT-ID (FHA|USDA|VA) » 2 $300,000 $150,000 $4,388 2.13%
    MONTGOMERY, AL (FHA|USDA|VA) » 4 $300,000 $75,000 $3,938 4.25%
    VISALIA, CA (FHA|USDA|VA) » 2 $300,000 $150,000 $2,791 2.94%
    Lewisburg, TN (FHA|USDA|VA) » 1 $295,000 $295,000 $2,603 3.38%
    Scottsbluff, NE (FHA|USDA|VA) » 1 $295,000 $295,000 $8,591 2.75%
    Shelton, WA (FHA|USDA|VA) » 1 $295,000 $295,000 $9,380 2.75%
    Scottsburg, IN (FHA|USDA|VA) » 2 $290,000 $145,000 $3,451 3.00%
    Crossville, TN (FHA|USDA|VA) » 1 $285,000 $285,000 $7,571 2.75%
    NAPA, CA (FHA|USDA|VA) » 1 $285,000 $285,000 $0 1.84%
    Paris, TX (FHA|USDA|VA) » 1 $285,000 $285,000 $5,034 3.13%
    BILLINGS, MT (FHA|USDA|VA) » 1 $275,000 $275,000 $4,730 3.25%
    SANTA FE, NM (FHA|USDA|VA) » 1 $275,000 $275,000 $3,862 3.13%
    MORRISTOWN, TN (FHA|USDA|VA) » 1 $275,000 $275,000 $14,001 3.25%
    Port Lavaca, TX (FHA|USDA|VA) » 2 $270,000 $135,000 $6,365 3.13%
    TALLAHASSEE, FL (FHA|USDA|VA) » 1 $265,000 $265,000 $4,926 3.25%
    Andrews, TX (FHA|USDA|VA) » 1 $255,000 $255,000 $9,318 3.75%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) » 1 $255,000 $255,000 $5,962 2.75%
    Aberdeen, WA (FHA|USDA|VA) » 1 $255,000 $255,000 $7,690 3.75%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) » 1 $255,000 $255,000 $8,058 3.88%
    Nacogdoches, TX (FHA|USDA|VA) » 2 $250,000 $125,000 $4,111 3.13%
    ABILENE, TX (FHA|USDA|VA) » 2 $250,000 $125,000 $5,233 3.00%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) » 1 $245,000 $245,000 $7,186 2.63%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) » 1 $245,000 $245,000 $0 2.57%
    Traverse City, MI (FHA|USDA|VA) » 1 $245,000 $245,000 $4,319 3.25%
    Palestine, TX (FHA|USDA|VA) » 2 $240,000 $120,000 $4,700 4.38%
    WENATCHEE, WA (FHA|USDA|VA) » 1 $235,000 $235,000 $11,072 3.50%
    Parsons, KS (FHA|USDA|VA) » 1 $235,000 $235,000 $7,235 3.25%
    Mayfield, KY (FHA|USDA|VA) » 1 $225,000 $225,000 $3,832 2.75%
    Beeville, TX (FHA|USDA|VA) » 1 $225,000 $225,000 $9,452 3.25%
    LEBANON, PA (FHA|USDA|VA) » 1 $225,000 $225,000 $4,620 3.25%
    Kalispell, MT (FHA|USDA|VA) » 1 $225,000 $225,000 $5,176 4.88%
    GETTYSBURG, PA (FHA|USDA|VA) » 1 $215,000 $215,000 $4,493 2.88%
    ROANOKE, VA (FHA|USDA|VA) » 2 $210,000 $105,000 $7,280 4.69%
    Portsmouth, OH (FHA|USDA|VA) » 2 $210,000 $105,000 $6,395 3.81%
    Snyder, TX (FHA|USDA|VA) » 1 $205,000 $205,000 $3,933 3.38%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) » 1 $205,000 $205,000 $4,533 3.13%
    SALT LAKE CITY, UT (FHA|USDA|VA) » 1 $205,000 $205,000 $10,798 2.50%
    Searcy, AR (FHA|USDA|VA) » 1 $205,000 $205,000 $5,351 2.75%
    Campbellsville, KY (FHA|USDA|VA) » 1 $195,000 $195,000 $7,641 2.88%
    Shelbyville, TN (FHA|USDA|VA) » 2 $190,000 $95,000 $3,492 2.13%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) » 1 $185,000 $185,000 $2,123 3.00%
    THE VILLAGES, FL (FHA|USDA|VA) » 1 $185,000 $185,000 $2,740 2.88%
    BATTLE CREEK, MI (FHA|USDA|VA) » 1 $185,000 $185,000 $6,673 3.25%
    Wilson, NC (FHA|USDA|VA) » 1 $185,000 $185,000 $6,728 2.75%
    SPRINGFIELD, MA (FHA|USDA|VA) » 1 $185,000 $185,000 $2,636 2.63%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) » 1 $175,000 $175,000 $2,974 2.75%
    CANTON-MASSILLON, OH (FHA|USDA|VA) » 1 $175,000 $175,000 $2,681 3.25%
    Kendallville, IN (FHA|USDA|VA) » 1 $175,000 $175,000 $2,505 3.38%
    Hereford, TX (FHA|USDA|VA) » 1 $175,000 $175,000 $4,785 2.50%
    Bay City, TX (FHA|USDA|VA) » 1 $175,000 $175,000 $6,306 3.00%
    Pampa, TX (FHA|USDA|VA) » 1 $175,000 $175,000 $4,302 3.13%
    Marion, NC (FHA|USDA|VA) » 1 $175,000 $175,000 $2,397 2.75%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) » 1 $175,000 $175,000 $2,578 2.50%
    Sandusky, OH (FHA|USDA|VA) » 1 $165,000 $165,000 $6,414 3.63%
    Central City, KY (FHA|USDA|VA) » 1 $155,000 $155,000 $1,841 3.25%
    Coffeyville, KS (FHA|USDA|VA) » 1 $155,000 $155,000 $2,584 2.75%
    Wapakoneta, OH (FHA|USDA|VA) » 1 $155,000 $155,000 $3,937 3.25%
    CLEVELAND, TN (FHA|USDA|VA) » 1 $145,000 $145,000 $3,009 2.88%
    Picayune, MS (FHA|USDA|VA) » 1 $145,000 $145,000 $1,980 3.50%
    Norwalk, OH (FHA|USDA|VA) » 1 $145,000 $145,000 $3,473 3.25%
    Ardmore, OK (FHA|USDA|VA) » 1 $145,000 $145,000 $6,041 2.88%
    JACKSONVILLE, NC (FHA|USDA|VA) » 1 $145,000 $145,000 $1,120 2.75%
    Dumas, TX (FHA|USDA|VA) » 1 $145,000 $145,000 $6,632 3.75%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) » 1 $145,000 $145,000 $2,195 0.00%
    Richmond-Berea, KY (FHA|USDA|VA) » 1 $145,000 $145,000 $2,230 2.75%
    Effingham, IL (FHA|USDA|VA) » 1 $135,000 $135,000 $3,638 2.75%
    JOPLIN, MO (FHA|USDA|VA) » 1 $125,000 $125,000 $4,828 2.75%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) » 1 $125,000 $125,000 $2,878 3.50%
    FORT SMITH, AR-OK (FHA|USDA|VA) » 1 $125,000 $125,000 $4,500 2.63%
    Murray, KY (FHA|USDA|VA) » 1 $125,000 $125,000 $3,040 2.88%
    MOBILE, AL (FHA|USDA|VA) » 2 $120,000 $60,000 $3,154 1.94%
    Winfield, KS (FHA|USDA|VA) » 1 $115,000 $115,000 $2,566 3.13%
    HATTIESBURG, MS (FHA|USDA|VA) » 1 $115,000 $115,000 $2,893 2.38%
    LAWTON, OK (FHA|USDA|VA) » 1 $105,000 $105,000 $2,625 3.38%
    PUNTA GORDA, FL (FHA|USDA|VA) » 1 $105,000 $105,000 $2,712 0.00%
    Batesville, AR (FHA|USDA|VA) » 1 $105,000 $105,000 $2,590 3.25%
    Brevard, NC (FHA|USDA|VA) » 1 $105,000 $105,000 $3,206 2.38%
    Seymour, IN (FHA|USDA|VA) » 1 $105,000 $105,000 $4,310 2.75%
    Bluffton, IN (FHA|USDA|VA) » 1 $105,000 $105,000 $3,094 3.25%
    Auburn, IN (FHA|USDA|VA) » 1 $105,000 $105,000 $2,950 3.88%
    Huntington, IN (FHA|USDA|VA) » 1 $95,000 $95,000 $2,862 3.25%
    Fremont, OH (FHA|USDA|VA) » 1 $95,000 $95,000 $3,093 3.25%
    MUSKEGON, MI (FHA|USDA|VA) » 1 $95,000 $95,000 $4,523 4.75%
    Paducah, KY-IL (FHA|USDA|VA) » 1 $95,000 $95,000 $4,193 2.75%
    Glasgow, KY (FHA|USDA|VA) » 2 $90,000 $45,000 $0 1.88%
    BEND, OR (FHA|USDA|VA) » 1 $85,000 $85,000 $4,095 3.88%
    Borger, TX (FHA|USDA|VA) » 1 $85,000 $85,000 $3,991 3.50%

    Thrive Mortgage 's top markets include Dallas, Houston, San Antonio, Austin, and Washington among others.

    Product Mix

    Loan Type Originations Total Value Average Loan Average Fees Average Rate
    Conventional » 6,916 $1,879,450,000 $271,754 $5,269 3.13%
    FHA » 2,155 $501,515,000 $232,722 $9,298 3.27%
    VA » 890 $329,890,000 $370,663 $8,110 2.91%
    USDA » 148 $29,000,000 $195,946 $5,471 2.92%

    For the 2021 period, Thrive Mortgage 's most frequently originated loan type of loans were Conventional, with 6,916 originations. Their 2nd most popular type is FHA, with 2,155 originations.

    Loan Reason

    Loan Reason Originations Total Value Average Loan Average Fees Average Rate
    Home Purchase » 6,953 $1,870,545,000 $269,027 $6,780 3.18%
    Refi » 2,143 $604,925,000 $282,280 $4,915 2.93%
    Cash Out Refi » 1,012 $263,940,000 $260,810 $5,636 3.23%
    Home Improvement » 1 $445,000 $445,000 $4,065 2.88%

    For the 2021, Thrive Mortgage 's most frequently cited loan purpose of loans were Home Purchase, with 6,953 originations. The 2nd most popular reason of loans were Refi, with 2,143 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year » 9,121 $2,539,285,000 $278,400 $6,423 3.19%
    15 Year » 555 $119,255,000 $214,874 $4,387 2.58%
    20 Year » 188 $33,940,000 $180,532 $3,794 2.41%
    Other » 105 $18,885,000 $179,857 $4,482 2.85%
    10 Year » 68 $6,850,000 $100,735 $2,536 2.60%
    30+ year » 57 $21,355,000 $374,649 $11,633 3.91%
    3 Year » 13 $265,000 $20,385 $0 0.00%
    5 Year » 2 $20,000 $10,000 $359 2.50%

    For the 2021, Thrive Mortgage 's most frequently cited loan length of loans were 30 Year, with 9,121 originations. The 2nd most popular length of loans were 15 Year, with 555 originations.

    Origination Fees

    Origination Fee Originations Total Value Average Loan
    $1k-2k » 4,888 $1,249,120,000 $255,548
    $<1k » 1,425 $349,425,000 $245,211
    $2k-3k » 1,339 $337,285,000 $251,893
    $5k+ » 1,034 $416,360,000 $402,669
    $3k-4k » 833 $220,205,000 $264,352
    $4k-5k » 528 $157,410,000 $298,125

    $6,423 of loans were Thrive Mortgage 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 4,888 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% » 5,444 $1,450,910,000 $266,515
    2.5-3% » 3,406 $984,720,000 $289,113
    <2.5% » 834 $211,910,000 $254,089
    4-5% » 361 $79,455,000 $220,097
    5-6% » 14 $940,000 $67,143
    7-8% » 6 $570,000 $95,000
    6-7% » 2 $290,000 $145,000
    Over 8% » 1 $175,000 $175,000

    During 2021, Thrive Mortgage 's average interest rate of loans were 3.19%, while their most frequently originated rate bucket of loans were 3-4%, with 5,444 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k » 5,029 $1,428,525,000 $284,057 $6,724 3.16%
    $100k-200k » 2,885 $447,185,000 $155,003 $4,590 3.21%
    $400k-600k » 1,416 $673,250,000 $475,459 $8,099 3.10%
    $100,000 or less » 585 $36,535,000 $62,453 $2,876 2.71%
    $600k-1MM » 168 $121,740,000 $724,643 $11,962 3.01%
    $1MM+ » 26 $32,620,000 $1,254,615 $16,464 2.89%

    2021 saw Thrive Mortgage place emphasis on $200k-400k loans with 5,029 originations, totaling $1,428,525,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k » 2,356 $725,630,000 $307,992 $6,778 3.15%
    $50k-75k » 2,346 $501,650,000 $213,832 $5,904 3.16%
    $75k-100k » 1,926 $509,870,000 $264,730 $6,302 3.16%
    $50k or less » 1,629 $268,285,000 $164,693 $4,697 3.04%
    $150k-250k » 1,382 $528,190,000 $382,192 $7,047 3.14%
    $250k+ » 467 $205,535,000 $440,118 $7,260 3.18%

    Thrive Mortgage lent most frequently to those with incomes in the $100k-150k range, with 2,356 originations. The second most popular income band? $50k-75k, with 2,346 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% » 1,819 $483,345,000 $265,720 $5,445 3.09%
    30-36% » 1,704 $464,470,000 $272,576 $5,755 3.13%
    50-60% » 681 $193,675,000 $284,398 $9,767 3.15%
    <20% » 554 $134,740,000 $243,213 $5,022 2.93%
    43% » 419 $114,755,000 $273,878 $6,860 3.19%
    44% » 418 $114,850,000 $274,761 $6,506 3.24%
    37% » 377 $104,695,000 $277,706 $6,349 3.20%
    42% » 372 $99,810,000 $268,306 $6,223 3.22%
    39% » 366 $102,710,000 $280,628 $6,334 3.16%
    41% » 365 $97,845,000 $268,068 $6,294 3.27%
    40% » 349 $91,575,000 $262,393 $6,412 3.19%
    47% » 316 $84,350,000 $266,930 $7,082 3.18%
    45% » 315 $85,015,000 $269,889 $6,480 3.25%
    38% » 312 $81,560,000 $261,410 $6,340 3.20%
    49% » 305 $89,745,000 $294,246 $7,377 3.20%
    36% » 298 $78,780,000 $264,362 $5,998 3.15%
    46% » 291 $82,685,000 $284,141 $7,141 3.18%
    48% » 273 $72,975,000 $267,308 $6,925 3.17%
    >60% » 43 $15,365,000 $357,326 $9,749 2.81%

    Thrive Mortgage lent most frequently to those with DTI ratios of 20-30%, with 1,819 originations. The next most common DTI ratio? 30-36%, with 1,704 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White » 7,491 $2,012,745,000 $268,688 $6,086 3.13%
    Not provided » 1,070 $297,950,000 $278,458 $6,618 3.13%
    Black » 821 $222,375,000 $270,859 $7,136 3.18%
    Asian » 593 $167,125,000 $281,830 $6,362 3.10%
    American Indian » 85 $22,885,000 $269,235 $6,543 3.24%
    Asian Indian » 22 $8,640,000 $392,727 $6,085 3.31%
    Native Hawaiian or Islander » 12 $3,620,000 $301,667 $6,221 3.00%
    Other Asian » 6 $1,390,000 $231,667 $5,662 3.35%
    Chinese » 3 $1,165,000 $388,333 $9,539 2.95%
    Filipino » 4 $1,020,000 $255,000 $8,743 2.61%
    Japanese » 1 $645,000 $645,000 $11,024 2.88%
    Other Pacific Islander » 1 $295,000 $295,000 $13,959 3.25%

    Approval Rates

    Total approvals of all applications
    98.06%

    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 origination
    68.69%

    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 10,109 $2,739,855,000 $271,031

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    » 10,109 $2,739,855,000 $271,031

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% » 274 $49,500,000 $180,657 $4,397 2.89%
    40-60% » 883 $219,915,000 $249,054 $4,829 2.92%
    60-80% » 2,834 $807,920,000 $285,081 $5,493 3.19%
    80-100% » 5,736 $1,577,370,000 $274,995 $6,773 3.22%
    Over 100% » 209 $80,225,000 $383,852 $14,490 2.91%
    Under 20% » 173 $4,925,000 $28,468 $890 1.39%