Thrive Mortgage, LLC mortgage approval rate & lending review
Thrive Mortgage, LLC decided 5,718 mortgage applications and funded 4,832 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Thrive Mortgage, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to lower.com.
Thrive Mortgage, LLC at a glance
Approval is 9.9 points above the 86.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 4,513 / 4,679 | 89% | $245K | 4,033 |
| Cash-out refinance | 84% | 161 / 192 | 78% | $205K | 126 |
| Refinance | 96% | 344 / 360 | 79% | $365K | 273 |
| Investment property purchase | 97% | 404 / 416 | 86% | $195K | 347 |
| Investment cash-out refinance | 86% | 43 / 50 | 79% | $145K | 34 |
Thrive Mortgage, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 96% | $295K | 2,318 | 1,918 |
| Ohio | 97% | $205K | 876 | 775 |
| Kentucky | 97% | $225K | 550 | 498 |
| Indiana | 96% | $225K | 376 | 332 |
| Georgia | 90% | $245K | 243 | 202 |
| South Carolina | 93% | $195K | 240 | 193 |
| Florida | 96% | $235K | 199 | 165 |
| Tennessee | 93% | $325K | 181 | 153 |
| Colorado | 98% | $215K | 168 | 143 |
| Maryland | 97% | $225K | 150 | 113 |
| North Carolina | 94% | $195K | 98 | 70 |
| Kansas | 94% | $185K | 83 | 71 |
| Pennsylvania | 100% | $185K | 57 | 53 |
| Virginia | 98% | $405K | 47 | 41 |
| Arizona | 96% | $345K | 26 | 20 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Thrive Mortgage, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bexar County, TX | Mortgage lenders | 97% | 307 | 268 |
| Montgomery County, OH | Mortgage lenders | 97% | 266 | 239 |
| Jefferson County, KY | Mortgage lenders | 98% | 166 | 152 |
| Kenton County, KY | Mortgage lenders | 96% | 134 | 122 |
| Lubbock County, TX | Mortgage lenders | 97% | 135 | 117 |
| Fayette County, KY | Mortgage lenders | 98% | 112 | 105 |
| Pueblo County, CO | Mortgage lenders | 98% | 120 | 104 |
| Richland County, SC | Mortgage lenders | 89% | 96 | 74 |
| Miami County, OH | Mortgage lenders | 100% | 77 | 71 |
| Escambia County, FL | Mortgage lenders | 96% | 75 | 63 |
| Boone County, KY | Mortgage lenders | 97% | 68 | 62 |
| Midland County, TX | Mortgage lenders | 99% | 67 | 62 |
The county markets where Thrive Mortgage, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Thrive Mortgage, LLC
What is Thrive Mortgage, LLC's mortgage approval rate?
Thrive Mortgage, LLC approved 95.9% of the 5,718 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.9 points above the 86.1% national rate for the same mix of loan types.
How often do borrowers take the loan Thrive Mortgage, LLC offers?
Borrowers accepted 88% of the loans Thrive Mortgage, LLC approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Thrive Mortgage, LLC make?
The typical home purchase mortgage loan Thrive Mortgage, LLC made was $245K; across all loan types its typical loan ran from $145K to $365K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Thrive Mortgage, LLC lend?
Thrive Mortgage, LLC decided applications in 34 of the states Fat Boy Data covers, most of them in Texas, Ohio and Kentucky.
Can I apply to Thrive Mortgage, LLC directly?
Yes. Thrive Mortgage, LLC reports as a direct lender that takes applications from borrowers. Its website is lower.com.
Does this page show Thrive Mortgage, LLC's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Thrive Mortgage, LLC treats applications, then get a rate quote from the lender.