Thrivent Federal Credit Union Mortgage Rates, Fees & Info
Appleton, WILEI: 549300WW4OBT30G5DK23
Tax ID: 46-1316895
5 stars
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage 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
1,053Origination Dollar Volume (All Markets)
$207,465,000Relative 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 applications91.35%
Thrivent Federal Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination69.89%
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% |
