Thrivent Federal Credit Union Mortgage Rates, Fees & Info

Appleton, WI

LEI: 549300WW4OBT30G5DK23

Tax ID: 46-1316895

Latest/2023 | 2022 Data | 2021 Data | 2020 Data |

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Mortgage Data

Review & 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 by origination volume include: Minneapolis, Chicago, Appleton, Phoenix, and Milwaukee among others. We have data for 247 markets. (Some data included below & more in-depth data is available with an active subscription.)

Thrivent Federal Credit Union 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. Thrivent Federal Credit Union is typically a low 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 6.46% 3/27/24
30 Year Conventional Refi 6.37% 3/27/24
30 Year Cash-out Refi 6.51% 3/27/24
30 Year VA Purchase 6.66% 3/27/24
15 Year Conventional Purchase 6.16% 3/27/24
15 Year Conventional Refi 6.05% 3/27/24
15 Year Cash-out Refi 6.05% 3/27/24
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.

Thrivent Federal Credit Union Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Thrivent Federal Credit Union. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,053

Origination Dollar Volume (All Markets)

$207,465,000

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
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, KY (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.

Their top states include:
  • Minnesota (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Thrivent Federal Credit Union's most frequently originated type of loan was Conventional, with 1,042 originations. Their 2nd most popular type was VA, with 11 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Thrivent Federal Credit Union's most frequently cited loan purpose was Refi, with 317 originations. The 2nd most popular reason was 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 2021, Thrivent Federal Credit Union's most frequently cited loan duration was 30 Year, with 474 originations. The 2nd most popular length was 15 Year, with 386 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost 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 41 $14,425,000 $351,829
    $5k+ 24 $10,950,000 $456,250
    $4k-5k 21 $6,025,000 $286,905

    Thrivent Federal Credit Union's average total fees were $3,846, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.13%, while their most frequently originated rate bucket for loans was 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 Hawaiian 1 $185,000 $185,000 $3,360 2.38%

    Approval Rates

    Total approvals of all applications
    93.71%

    Thrivent Federal Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    70.28%

    Thrivent Federal Credit Union has a below average pick rate.

    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%