Thrivent Federal Credit Union Mortgage Rates, Fees & Info

Appleton, WI

LEI: 549300WW4OBT30G5DK23

Tax ID: 46-1316895

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 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%	12/16/24
30 Year Conventional Refi	6.37%	12/16/24
30 Year Cash-out Refi	6.51%	12/16/24
30 Year VA Purchase	6.66%	12/16/24
15 Year Conventional Purchase	6.16%	12/16/24
15 Year Conventional Refi	6.05%	12/16/24
15 Year Cash-out Refi	6.05%	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.

Thrivent Federal Credit Union Mortgage Calculator

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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)

Similar Lenders

We use machine learning to identify the top lenders compared against THRIVENT Federal Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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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%