Thrivent Federal Credit Union Mortgage Rates, Fees & Info

Appleton, WI

LEI: 549300WW4OBT30G5DK23

Tax ID: 46-1316895

5 stars - out of 5 stars, based on 32 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Thrivent Federal Credit Union is a smaller credit union specializing in Refi, Cash Out Refi, and Home Purchase loans. Thrivent Federal Credit Union has a high proportion of conventional loans. Their top markets include Minneapolis, Chicago, Appleton, Phoenix, and Milwaukee among others. Thrivent Federal Credit Union has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Thrivent Federal Credit Union is typically an average fee lendor.


Originations

1,053

Origination Dollar Volume (All Markets)

$207,465,000

Relative Rate

Thrivent Federal Credit Union's average 30 year fixed rate mortgage of loans were 3.13%.

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

This yields a difference of -0.02%.

Relative Fees

Thrivent Federal Credit Union's average total fees for a 30 year fixed rate mortgage are $3,846.

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

Market Originations Total Value Average Loan Average Fees Average Rate
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 163 $38,825,000 $238,190 $3,147 3.29%
Outside of Metro Areas 96 $12,910,000 $134,479 $2,523 3.30%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 45 $7,515,000 $167,000 $3,104 3.08%
APPLETON, WI (FHA|USDA|VA) 36 $5,880,000 $163,333 $2,614 3.21%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 22 $5,820,000 $264,545 $3,474 3.32%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 19 $4,345,000 $228,684 $2,838 2.96%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 11 $4,235,000 $385,000 $3,063 3.35%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 12 $3,200,000 $266,667 $4,973 3.01%
Brainerd, MN (FHA|USDA|VA) 11 $3,125,000 $284,091 $3,654 3.01%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $3,080,000 $1,540,000 $5,630 3.00%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 15 $3,055,000 $203,667 $3,396 2.79%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 8 $3,010,000 $376,250 $3,762 2.88%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 11 $2,845,000 $258,636 $4,343 3.25%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 8 $2,750,000 $343,750 $5,497 3.39%
SAVANNAH, GA (FHA|USDA|VA) 17 $2,715,000 $159,706 $3,292 2.85%
MADISON, WI (FHA|USDA|VA) 10 $2,630,000 $263,000 $3,284 3.14%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 7 $2,555,000 $365,000 $3,092 2.89%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 21 $2,385,000 $113,571 $2,573 2.93%
ST. LOUIS, MO-IL (FHA|USDA|VA) 19 $2,205,000 $116,053 $1,891 3.68%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 9 $2,195,000 $243,889 $3,932 2.99%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 12 $2,130,000 $177,500 $3,483 2.88%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 10 $1,980,000 $198,000 $3,134 3.30%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $1,805,000 $1,805,000 $0 3.90%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 10 $1,780,000 $178,000 $3,798 3.23%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 6 $1,760,000 $293,333 $5,910 2.90%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 11 $1,755,000 $159,545 $2,589 3.50%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 8 $1,720,000 $215,000 $2,088 3.76%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 10 $1,710,000 $171,000 $2,236 3.07%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 5 $1,635,000 $327,000 $4,186 3.40%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 4 $1,610,000 $402,500 $3,669 3.31%
Alexandria, MN (FHA|USDA|VA) 8 $1,600,000 $200,000 $3,040 2.88%
Shawano, WI (FHA|USDA|VA) 5 $1,495,000 $299,000 $3,043 3.15%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 7 $1,355,000 $193,571 $2,250 4.07%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 7 $1,315,000 $187,857 $3,572 3.71%
KANSAS CITY, MO-KS (FHA|USDA|VA) 12 $1,310,000 $109,167 $2,041 3.08%
RACINE, WI (FHA|USDA|VA) 6 $1,240,000 $206,667 $2,900 2.85%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 6 $1,230,000 $205,000 $4,649 2.77%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 3 $1,105,000 $368,333 $3,522 3.38%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 6 $1,100,000 $183,333 $2,770 2.56%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 6 $1,100,000 $183,333 $3,376 3.35%
TUCSON, AZ (FHA|USDA|VA) 5 $1,085,000 $217,000 $2,627 2.98%
PITTSBURGH, PA (FHA|USDA|VA) 8 $1,070,000 $133,750 $3,198 2.70%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 7 $1,065,000 $152,143 $2,249 2.79%
Fergus Falls, MN (FHA|USDA|VA) 2 $1,030,000 $515,000 $7,180 3.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 5 $1,025,000 $205,000 $5,472 2.80%
DULUTH, MN-WI (FHA|USDA|VA) 6 $1,010,000 $168,333 $4,980 3.64%
Bemidji, MN (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $11,097 2.75%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $905,000 $301,667 $5,054 3.00%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $900,000 $450,000 $3,905 3.06%
ROCHESTER, MN (FHA|USDA|VA) 5 $845,000 $169,000 $2,776 2.88%
KNOXVILLE, TN (FHA|USDA|VA) 4 $840,000 $210,000 $4,829 3.72%
LANCASTER, PA (FHA|USDA|VA) 5 $835,000 $167,000 $3,672 3.25%
CANTON-MASSILLON, OH (FHA|USDA|VA) 4 $820,000 $205,000 $3,103 3.69%
FORT COLLINS, CO (FHA|USDA|VA) 3 $805,000 $268,333 $3,898 3.13%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 4 $800,000 $200,000 $2,762 3.44%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 4 $720,000 $180,000 $3,249 2.78%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 3 $705,000 $235,000 $3,940 3.04%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $675,000 $225,000 $3,552 2.63%
ASHEVILLE, NC (FHA|USDA|VA) 2 $670,000 $335,000 $5,775 2.69%
RALEIGH-CARY, NC (FHA|USDA|VA) 3 $665,000 $221,667 $3,796 3.08%
JACKSONVILLE, FL (FHA|USDA|VA) 5 $665,000 $133,000 $2,555 2.88%
Georgetown, SC (FHA|USDA|VA) 3 $635,000 $211,667 $3,429 3.41%
GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $635,000 $635,000 $5,465 2.75%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 3 $615,000 $205,000 $3,976 2.71%
Brookings, SD (FHA|USDA|VA) 3 $615,000 $205,000 $3,301 2.88%
Crossville, TN (FHA|USDA|VA) 4 $610,000 $152,500 $2,159 4.06%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 4 $590,000 $147,500 $2,507 2.88%
Pierre, SD (FHA|USDA|VA) 3 $585,000 $195,000 $2,650 3.58%
GAINESVILLE, FL (FHA|USDA|VA) 4 $580,000 $145,000 $2,678 2.78%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $575,000 $191,667 $2,874 3.75%
FARGO, ND-MN (FHA|USDA|VA) 5 $575,000 $115,000 $2,458 3.40%
Baraboo, WI (FHA|USDA|VA) 2 $570,000 $285,000 $1,972 3.63%
Red Wing, MN (FHA|USDA|VA) 2 $560,000 $280,000 $4,297 2.81%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $555,000 $185,000 $2,722 2.79%
Stevens Point, WI (FHA|USDA|VA) 4 $550,000 $137,500 $1,885 3.99%
Show Low, AZ (FHA|USDA|VA) 3 $545,000 $181,667 $4,625 3.21%
Whitewater, WI (FHA|USDA|VA) 3 $545,000 $181,667 $3,164 3.17%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 3 $535,000 $178,333 $2,927 2.83%
Outside of Metro Areas 1 $505,000 $505,000 $11,257 2.75%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $500,000 $125,000 $2,469 3.65%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $485,000 $485,000 $5,330 3.38%
BOISE CITY, ID (FHA|USDA|VA) 2 $480,000 $240,000 $3,988 3.25%
GREEN BAY, WI (FHA|USDA|VA) 3 $465,000 $155,000 $2,539 2.96%
FORT WAYNE, IN (FHA|USDA|VA) 2 $460,000 $230,000 $3,402 2.81%
OCALA, FL (FHA|USDA|VA) 4 $460,000 $115,000 $2,539 2.72%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 3 $455,000 $151,667 $2,687 2.83%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 3 $445,000 $148,333 $2,427 3.00%
Gillette, WY (FHA|USDA|VA) 1 $435,000 $435,000 $4,747 2.50%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $420,000 $210,000 $3,122 3.13%
COLUMBUS, OH (FHA|USDA|VA) 3 $405,000 $135,000 $2,530 3.29%
COLUMBIA, SC (FHA|USDA|VA) 2 $400,000 $200,000 $2,512 2.44%
ROCKFORD, IL (FHA|USDA|VA) 3 $395,000 $131,667 $2,982 2.58%
MONROE, MI (FHA|USDA|VA) 2 $390,000 $195,000 $3,378 2.94%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $370,000 $185,000 $3,065 3.31%
RAPID CITY, SD (FHA|USDA|VA) 2 $370,000 $185,000 $2,640 3.13%
Angola, IN (FHA|USDA|VA) 1 $365,000 $365,000 $3,870 2.75%
RENO, NV (FHA|USDA|VA) 1 $365,000 $365,000 $5,042 3.50%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $365,000 $365,000 $0 0.00%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 4 $360,000 $90,000 $2,953 2.56%
WAUSAU-WESTON, WI (FHA|USDA|VA) 3 $345,000 $115,000 $2,902 2.63%
ROCHESTER, NY (FHA|USDA|VA) 1 $345,000 $345,000 $0 4.10%
SHEBOYGAN, WI (FHA|USDA|VA) 2 $340,000 $170,000 $1,510 3.68%
Manitowoc, WI (FHA|USDA|VA) 3 $335,000 $111,667 $2,215 2.63%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $325,000 $325,000 $3,565 3.38%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 2 $320,000 $160,000 $3,073 3.63%
IDAHO FALLS, ID (FHA|USDA|VA) 2 $310,000 $155,000 $3,924 2.75%
Newport, OR (FHA|USDA|VA) 1 $305,000 $305,000 $5,388 2.88%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $295,000 $295,000 $2,950 2.63%
WILMINGTON, NC (FHA|USDA|VA) 1 $295,000 $295,000 $6,604 2.88%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $295,000 $295,000 $4,048 3.13%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $290,000 $145,000 $3,313 3.00%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $285,000 $285,000 $4,838 3.13%
CHICO, CA (FHA|USDA|VA) 2 $280,000 $140,000 $4,168 2.88%
Fredericksburg, TX (FHA|USDA|VA) 1 $275,000 $275,000 $5,538 3.38%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $265,000 $265,000 $3,530 2.88%
Bluefield, WV-VA (FHA|USDA|VA) 1 $265,000 $265,000 $4,151 2.50%
Cookeville, TN (FHA|USDA|VA) 1 $265,000 $265,000 $4,352 3.25%
SIOUX FALLS, SD (FHA|USDA|VA) 2 $260,000 $130,000 $2,427 2.69%
Adrian, MI (FHA|USDA|VA) 2 $260,000 $130,000 $3,180 2.94%
SALISBURY, MD-DE (FHA|USDA|VA) 2 $260,000 $130,000 $1,756 4.75%
Austin, MN (FHA|USDA|VA) 3 $255,000 $85,000 $2,565 3.33%
MANHATTAN, KS (FHA|USDA|VA) 2 $250,000 $125,000 $1,318 3.13%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $250,000 $125,000 $1,551 3.44%
MANKATO, MN (FHA|USDA|VA) 2 $250,000 $125,000 $2,189 3.50%
Marinette, WI-MI (FHA|USDA|VA) 2 $250,000 $125,000 $3,023 2.69%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 2 $250,000 $125,000 $2,160 3.00%
Oxford, MS (FHA|USDA|VA) 1 $245,000 $245,000 $3,032 3.13%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $245,000 $245,000 $4,052 11.25%
Montrose, CO (FHA|USDA|VA) 1 $245,000 $245,000 $2,825 3.25%
BILLINGS, MT (FHA|USDA|VA) 1 $245,000 $245,000 $6,907 2.63%
SAGINAW, MI (FHA|USDA|VA) 2 $240,000 $120,000 $2,436 2.81%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 2 $240,000 $120,000 $1,901 4.00%
Port Angeles, WA (FHA|USDA|VA) 1 $235,000 $235,000 $5,808 2.25%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $235,000 $235,000 $3,656 2.63%
RICHMOND, VA (FHA|USDA|VA) 1 $235,000 $235,000 $2,930 3.13%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $235,000 $235,000 $2,875 2.63%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $225,000 $225,000 $4,283 2.50%
READING, PA (FHA|USDA|VA) 1 $225,000 $225,000 $4,391 2.50%
Fremont, NE (FHA|USDA|VA) 1 $225,000 $225,000 $3,951 2.88%
Fairmont, MN (FHA|USDA|VA) 2 $220,000 $110,000 $3,524 2.81%
OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $220,000 $110,000 $3,331 2.44%
STOCKTON, CA (FHA|USDA|VA) 1 $215,000 $215,000 $2,400 3.38%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $215,000 $215,000 $2,455 2.63%
COLORADO SPRINGS, CO (FHA|USDA|VA) 3 $215,000 $71,667 $629 5.41%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $205,000 $205,000 $1,622 4.88%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $205,000 $205,000 $6,322 3.38%
Grand Rapids, MN (FHA|USDA|VA) 1 $205,000 $205,000 $2,950 3.13%
Iron Mountain, MI-WI (FHA|USDA|VA) 1 $205,000 $205,000 $3,730 3.25%
COLUMBUS, IN (FHA|USDA|VA) 2 $200,000 $100,000 $2,960 3.38%
Scottsbluff, NE (FHA|USDA|VA) 2 $200,000 $100,000 $2,220 3.06%
BOULDER, CO (FHA|USDA|VA) 1 $195,000 $195,000 $3,339 2.50%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $195,000 $195,000 $4,426 3.25%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $195,000 $195,000 $4,802 3.25%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $195,000 $195,000 $3,077 2.38%
ANN ARBOR, MI (FHA|USDA|VA) 1 $195,000 $195,000 $3,030 3.38%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $190,000 $95,000 $2,537 2.63%
BURLINGTON, NC (FHA|USDA|VA) 1 $185,000 $185,000 $3,012 2.88%
WALLA WALLA, WA (FHA|USDA|VA) 1 $185,000 $185,000 $0 2.88%
EL CENTRO, CA (FHA|USDA|VA) 2 $180,000 $90,000 $1,347 3.81%
Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 2 $180,000 $90,000 $2,879 3.06%
CARSON CITY, NV (FHA|USDA|VA) 1 $175,000 $175,000 $2,915 3.00%
MOBILE, AL (FHA|USDA|VA) 1 $175,000 $175,000 $2,423 3.00%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $175,000 $175,000 $4,300 2.88%
Newberry, SC (FHA|USDA|VA) 1 $175,000 $175,000 $3,069 2.75%
Augusta-Waterville, ME (FHA|USDA|VA) 2 $170,000 $85,000 $3,084 2.81%
ALTOONA, PA (FHA|USDA|VA) 2 $170,000 $85,000 $2,209 4.00%
DOTHAN, AL (FHA|USDA|VA) 1 $165,000 $165,000 $3,027 3.00%
Effingham, IL (FHA|USDA|VA) 1 $165,000 $165,000 $3,021 2.50%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 1 $165,000 $165,000 $2,350 3.00%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $160,000 $80,000 $1,781 2.69%
Mount Pleasant, TX (FHA|USDA|VA) 1 $155,000 $155,000 $4,024 3.50%
Mason City, IA (FHA|USDA|VA) 1 $155,000 $155,000 $2,808 2.50%
Findlay, OH (FHA|USDA|VA) 1 $155,000 $155,000 $3,093 2.88%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $155,000 $155,000 $3,484 3.50%
Clinton, IA (FHA|USDA|VA) 1 $155,000 $155,000 $2,096 2.75%
MEDFORD, OR (FHA|USDA|VA) 1 $155,000 $155,000 $2,584 2.50%
Martinsville, VA (FHA|USDA|VA) 1 $155,000 $155,000 $5,980 4.00%
Pahrump, NV (FHA|USDA|VA) 2 $150,000 $75,000 $1,663 3.44%
THE VILLAGES, FL (FHA|USDA|VA) 1 $145,000 $145,000 $3,760 3.00%
Houghton, MI (FHA|USDA|VA) 1 $145,000 $145,000 $2,759 3.13%
Brookings, OR (FHA|USDA|VA) 1 $145,000 $145,000 $4,346 2.50%
Sterling, IL (FHA|USDA|VA) 1 $145,000 $145,000 $1,694 2.63%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $145,000 $145,000 $2,645 3.25%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $145,000 $145,000 $3,216 2.75%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $145,000 $145,000 $2,595 2.75%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $145,000 $145,000 $2,438 3.25%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $145,000 $145,000 $2,765 2.88%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $140,000 $70,000 $1,946 3.00%
Bradford, PA (FHA|USDA|VA) 1 $135,000 $135,000 $3,577 2.50%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $135,000 $135,000 $2,996 3.25%
KANKAKEE, IL (FHA|USDA|VA) 1 $135,000 $135,000 $2,783 3.13%
Juneau, AK (FHA|USDA|VA) 1 $135,000 $135,000 $3,763 2.38%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $135,000 $135,000 $4,245 3.13%
Athens, TX (FHA|USDA|VA) 1 $135,000 $135,000 $2,731 3.38%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $135,000 $135,000 $2,300 2.50%
Kalispell, MT (FHA|USDA|VA) 1 $135,000 $135,000 $0 3.00%
Roseburg, OR (FHA|USDA|VA) 1 $135,000 $135,000 $3,540 3.25%
McAlester, OK (FHA|USDA|VA) 1 $125,000 $125,000 $3,528 2.88%
OWENSBORO, KY (FHA|USDA|VA) 1 $125,000 $125,000 $3,045 3.00%
Albemarle, NC (FHA|USDA|VA) 1 $125,000 $125,000 $4,841 3.00%
Mount Vernon, OH (FHA|USDA|VA) 1 $125,000 $125,000 $2,786 3.38%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $125,000 $125,000 $1,955 2.88%
SPARTANBURG, SC (FHA|USDA|VA) 2 $120,000 $60,000 $1,003 4.94%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $115,000 $115,000 $2,589 2.50%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $115,000 $115,000 $2,384 2.88%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $115,000 $115,000 $2,483 3.00%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $105,000 $105,000 $3,168 2.63%
Chillicothe, OH (FHA|USDA|VA) 1 $105,000 $105,000 $2,445 2.50%
Rolla, MO (FHA|USDA|VA) 1 $105,000 $105,000 $2,338 2.50%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $105,000 $105,000 $1,965 2.63%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.10%
WICHITA, KS (FHA|USDA|VA) 1 $105,000 $105,000 $2,171 2.75%
Winfield, KS (FHA|USDA|VA) 1 $105,000 $105,000 $2,867 2.38%
Willmar, MN (FHA|USDA|VA) 1 $95,000 $95,000 $2,585 2.38%
Somerset, PA (FHA|USDA|VA) 1 $95,000 $95,000 $3,487 3.13%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $95,000 $95,000 $2,019 2.63%
WILLIAMSPORT, PA (FHA|USDA|VA) 1 $95,000 $95,000 $2,667 2.50%
Sandusky, OH (FHA|USDA|VA) 1 $85,000 $85,000 $2,785 3.00%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $85,000 $85,000 $3,443 3.13%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $85,000 $85,000 $2,221 3.25%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $85,000 $85,000 $3,028 2.63%
Decatur, IN (FHA|USDA|VA) 1 $85,000 $85,000 $2,663 2.50%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $85,000 $85,000 $2,494 2.63%
AKRON, OH (FHA|USDA|VA) 1 $75,000 $75,000 $2,348 2.63%
Wooster, OH (FHA|USDA|VA) 1 $75,000 $75,000 $1,738 2.63%
New Ulm, MN (FHA|USDA|VA) 1 $75,000 $75,000 $2,801 4.00%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $75,000 $75,000 $834 7.88%
Norwalk, OH (FHA|USDA|VA) 1 $75,000 $75,000 $2,468 2.88%
Poplar Bluff, MO (FHA|USDA|VA) 1 $75,000 $75,000 $2,430 2.63%
ANCHORAGE, AK (FHA|USDA|VA) 1 $75,000 $75,000 $1,973 3.49%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $65,000 $65,000 $2,067 2.25%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $65,000 $65,000 $2,508 2.50%
Escanaba, MI (FHA|USDA|VA) 1 $65,000 $65,000 $2,174 2.75%
Sevierville, TN (FHA|USDA|VA) 1 $65,000 $65,000 $775 4.24%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $55,000 $55,000 $700 4.24%
Mountain Home, AR (FHA|USDA|VA) 1 $55,000 $55,000 $769 4.63%
Fort Leonard Wood, MO (FHA|USDA|VA) 1 $55,000 $55,000 $2,153 2.38%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $55,000 $55,000 $1,184 6.99%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 1 $35,000 $35,000 $2,326 2.63%
Marshalltown, IA (FHA|USDA|VA) 1 $35,000 $35,000 $611 3.99%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $35,000 $35,000 $616 4.38%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $25,000 $25,000 $550 3.63%
LINCOLN, NE (FHA|USDA|VA) 1 $25,000 $25,000 $230 4.99%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $25,000 $25,000 $575 4.24%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $25,000 $25,000 $584 3.99%
Owatonna, MN (FHA|USDA|VA) 1 $15,000 $15,000 $533 3.99%
AMES, IA (FHA|USDA|VA) 1 $15,000 $15,000 $509 4.49%

Thrivent Federal Credit Union's top markets include Minneapolis, Chicago, Appleton, Phoenix, and Milwaukee among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 1,042 $204,290,000 $196,056 $3,045 3.19%
VA 11 $3,175,000 $288,636 $6,909 2.84%

For the 2021 period, Thrivent Federal Credit Union's most frequently originated loan type of loans were Conventional, with 1,042 originations. Their 2nd most popular type is VA, with 11 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 317 $62,195,000 $196,199 $2,935 2.87%
Cash Out Refi 315 $62,895,000 $199,667 $3,393 3.01%
Home Purchase 263 $65,725,000 $249,905 $3,739 3.20%
Other 84 $10,780,000 $128,333 $1,946 4.18%
Home Improvement 74 $5,870,000 $79,324 $1,456 4.16%

For the 2021, Thrivent Federal Credit Union's most frequently cited loan purpose of loans were Refi, with 317 originations. The 2nd most popular reason of loans were Cash Out Refi, with 315 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 474 $119,310,000 $251,709 $3,846 3.13%
15 Year 386 $55,250,000 $143,135 $2,470 3.16%
10 Year 88 $12,020,000 $136,591 $1,615 3.40%
20 Year 69 $13,455,000 $195,000 $3,047 3.03%
5 Year 16 $550,000 $34,375 $564 4.21%
Other 9 $5,375,000 $597,222 $8,711 2.75%
3 Year 8 $220,000 $27,500 $576 3.92%
1 Year 3 $1,285,000 $428,333 $3,400 7.92%

For the 2021, Thrivent Federal Credit Union's most frequently cited loan length of loans were 30 Year, with 474 originations. The 2nd most popular length of loans were 15 Year, with 386 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 494 $81,630,000 $165,243
$<1k 239 $17,825,000 $74,582
$2k-3k 210 $68,360,000 $325,524
$3k-4k 62 $20,450,000 $329,839
$5k+ 24 $10,950,000 $456,250

$3,846 of loans were Thrivent Federal Credit Union's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 494 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 385 $89,575,000 $232,662
3-4% 348 $78,230,000 $224,799
<2.5% 195 $30,075,000 $154,231
4-5% 69 $5,465,000 $79,203
5-6% 37 $2,055,000 $55,541
6-7% 8 $320,000 $40,000
7-8% 5 $295,000 $59,000
Over 8% 2 $430,000 $215,000

During 2021, Thrivent Federal Credit Union's average interest rate of loans were 3.13%, while their most frequently originated rate bucket of loans were 2.5-3%, with 385 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$100k-200k 381 $56,385,000 $147,992 $2,955 2.97%
$200k-400k 295 $80,835,000 $274,017 $4,144 3.04%
$100,000 or less 288 $17,320,000 $60,139 $1,486 3.68%
$400k-600k 67 $32,125,000 $479,478 $5,034 3.03%
$600k-1MM 17 $12,615,000 $742,059 $5,961 2.93%
$1MM+ 5 $8,185,000 $1,637,000 $8,275 3.28%

2021 saw Thrivent Federal Credit Union place emphasis on $100k-200k loans with 381 originations, totaling $56,385,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 243 $52,515,000 $216,111 $3,335 3.23%
$50k-75k 229 $34,235,000 $149,498 $2,838 3.15%
$50k or less 194 $23,130,000 $119,227 $2,606 3.12%
$75k-100k 181 $31,715,000 $175,221 $3,003 3.13%
$150k-250k 144 $39,610,000 $275,069 $3,588 3.30%
$250k+ 52 $20,180,000 $388,077 $3,739 3.22%

Thrivent Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 243 originations. The second most popular income band? $50k-75k, with 229 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 282 $54,060,000 $191,702 $2,914 3.12%
30-36% 170 $32,010,000 $188,294 $3,137 3.22%
<20% 144 $27,880,000 $193,611 $2,987 2.94%
40% 40 $9,140,000 $228,500 $3,618 3.26%
41% 38 $7,320,000 $192,632 $3,058 3.35%
42% 36 $7,390,000 $205,278 $3,059 3.24%
36% 35 $6,905,000 $197,286 $3,505 3.09%
38% 33 $6,165,000 $186,818 $3,377 3.53%
49% 33 $6,255,000 $189,545 $2,948 3.14%
44% 30 $6,090,000 $203,000 $2,810 3.25%
37% 29 $4,145,000 $142,931 $2,662 3.23%
39% 28 $5,510,000 $196,786 $3,457 3.20%
46% 27 $5,615,000 $207,963 $3,125 3.05%
43% 24 $4,430,000 $184,583 $3,793 3.05%
47% 22 $4,010,000 $182,273 $2,729 3.36%
45% 21 $5,185,000 $246,905 $3,708 2.89%
48% 19 $3,215,000 $169,211 $2,688 3.21%
50-60% 16 $2,860,000 $178,750 $4,070 4.49%
>60% 16 $3,200,000 $200,000 $2,748 3.77%

Thrivent Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 282 originations. The next most common DTI ratio? 30-36%, with 170 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 872 $165,500,000 $189,794 $3,024 3.19%
Not provided 136 $29,030,000 $213,456 $3,418 3.14%
Not applicable 10 $6,080,000 $608,000 $0 3.93%
Asian 11 $3,115,000 $283,182 $4,321 2.98%
Black 17 $2,215,000 $130,294 $2,472 3.65%
American Indian 4 $800,000 $200,000 $4,227 2.59%
Asian Indian 1 $295,000 $295,000 $3,568 2.63%
Other Pacific Islander 1 $245,000 $245,000 $3,235 3.25%
Native Hawiian 1 $185,000 $185,000 $3,360 2.38%

Approval Rates

Total approvals of all applications
91.35%

Thrivent Federal Credit Union has an average approval rate.

Pick Rate

Approvals leading to origination
69.89%

Thrivent Federal Credit Union 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 1,053 $207,465,000 $197,023

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
1,053 $207,465,000 $197,023

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 161 $20,365,000 $126,491 $2,261 3.01%
40-60% 242 $46,480,000 $192,066 $2,981 2.97%
60-80% 372 $91,760,000 $246,667 $3,680 3.04%
80-100% 151 $42,205,000 $279,503 $4,518 3.05%
Over 100% 1 $345,000 $345,000 $13,988 3.13%
Under 20% 125 $5,945,000 $47,560 $820 4.46%