What loan types does THRIVENT Federal Credit Union offer?

THRIVENT Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does THRIVENT Federal Credit Union offer mortgages?

THRIVENT Federal Credit Union offers mortgages in 31 states: AR, AZ, CA, CO, CT, FL, GA, IA, IL, IN, KS, MD, MI, MN, MO, MT, NC, ND, NE, NJ, NM, NY, OH, OR, PA, TN, TX, UT, VA, WA, WI.

How competitive are THRIVENT Federal Credit Union's mortgage rates?

THRIVENT Federal Credit Union has an overall pricing score of 20.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is THRIVENT Federal Credit Union?

THRIVENT Federal Credit Union is a Credit Union headquartered in Appleton, WI.

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THRIVENT Federal Credit Union

Credit Union•Appleton, WIHQ•Direct•Reviews near you on Google

THRIVENT Federal Credit Union has 107 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Near-National · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Nationwide availability with consistent service

Things to Think About

Pricing may be below industry average
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

THRIVENT Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+39.1 bps above market avg

2/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

106 loans · 0.39% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

87 loans · 0.34% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

20 loans · 0.58% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Near-National · 2 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Acceptable	Acceptable	106	99.1%	+0.389%Above	$3,352Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume106

Mix99.1%

Spread

+0.389%Above

Fees

$3,352Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Acceptable	Acceptable	87	81.3%	+0.341%Above	$3,480Fees
Refinance	Acceptable	Acceptable	Acceptable	Sound	20	18.7%	+0.585%Above	$3,058Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume87

Mix81.3%

Spread

+0.341%Above

Fees

$3,480Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Sound

Volume20

Mix18.7%

Spread

+0.585%Above

Fees

$3,058Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

107

Applications

147

Volume

$26 million

Pricing & Closing

Avg Rate Spread

+0.391%

vs. market APOR

Avg Net Fees

$3,394

Origination − Credits

Pullthrough Rate

72.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$249,206

Avg Borrower Income

$135,991

Avg Property Value

$410,701

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

31Full-year 2024 · HMDA

Loans originated

< 2020+None

Northeast4

CTNJNYPA

Midwest11

IAILINKSMIMNMONDNEOHWI

South8

ARFLGAMDNCTNTXVA

West8

AZCACOMTNMORUTWA

Top Metro Areas by Place Specialization Score

Minneapolis, MN-WIMetro

Volume 12Mix 11.21% of portfolio

46/100

Sound

Top States by Place Specialization Score

MinnesotaState

Volume 21Mix 19.63% of portfolio

52/100

Sound

WisconsinState

Volume 17Mix 15.89% of portfolio

49/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.