Thrive Mortgage Rates, Fees & Info
CARROLLTON, TXLEI: 549300TM179TSKK3HQ94
Tax ID: 20-0353048
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Mortgage Data
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. 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, 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. (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 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 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% | 12/16/24 |
| 30 Year Conventional Refi | 6.57% | 12/16/24 |
| 30 Year Cash-out Refi | 6.79% | 12/16/24 |
| 30 Year FHA Purchase | 7.76% | 12/16/24 |
| 30 Year FHA Refi | 7.33% | 12/16/24 |
| 30 Year VA Purchase | 6.47% | 12/16/24 |
| 30 Year VA Refi | 6.15% | 12/16/24 |
| 30 Year USDA Purchase | 6.96% | 12/16/24 |
| 15 Year Conventional Purchase | 5.77% | 12/16/24 |
| 15 Year Conventional Refi | 6.23% | 12/16/24 |
| 15 Year Cash-out Refi | 6.23% | 12/16/24 |
| 15 Year FHA Purchase | 7.86% | 12/16/24 |
| 15 Year VA Purchase | 5.91% | 12/16/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
10,109Origination Dollar Volume (All Markets)
$2,739,855,000Awards
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THRIVE MORTGAGE - 2021
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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, KY (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% |
| Cañon 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% |
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Product Mix
For 2021, Thrive Mortgage's most frequently originated type of loan was Conventional, with 6,916 originations. Their 2nd most popular type was FHA, with 2,100 originations.
Loan Reason
For 2021, Thrive Mortgage's most frequently cited loan purpose was Home Purchase, with 6,953 originations. The 2nd most popular reason was Refi, with 2,143 originations.
Loan Duration/Length
For 2021, Thrive Mortgage's most frequently cited loan duration was 30 Year, with 9,121 originations. The 2nd most popular length was 15 Year, with 555 originations.
Origination Fees/Closing Costs
Thrive Mortgage's average total fees were $6,423, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 4,888 originations.
Interest Rates
During 2021, Thrive Mortgage's average interest rate for loans was 3.19%, while their most frequently originated rate bucket for loans was 3-4%, with 5,444 originations.
Loan Sizing
2021 saw Thrive Mortgage place emphasis on $200k-400k loans with 5,029 originations, totaling $1,428,525,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications98.06%
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 origination68.69%
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 |