THRIVENT Federal Credit Union mortgage approval rate & lending review
THRIVENT Federal Credit Union decided 605 mortgage applications and funded 412 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions THRIVENT Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
THRIVENT Federal Credit Union at a glance
Approval is 12.7 points above the 74.7% 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 | 93% | 218 / 234 | 75% | $265K | 164 |
| Home improvement loans | 84% | 200 / 239 | 81% | $55K | 162 |
| Cash-out refinance | 85% | 47 / 55 | 74% | $145K | 35 |
| Refinance | 77% | 27 / 35 | 81% | $55K | 22 |
| Investment property purchase | 100% | 28 / 28 | 82% | $185K | 23 |
THRIVENT Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Minnesota | 96% | $225K | 116 | 92 |
| Wisconsin | 89% | $145K | 66 | 50 |
| Florida | 80% | $195K | 49 | 29 |
| California | 69% | $65K | 35 | 17 |
| Ohio | 82% | $125K | 34 | 23 |
| Illinois | 94% | $85K | 33 | 26 |
| Pennsylvania | 76% | $55K | 25 | 15 |
| Texas | 84% | $175K | 25 | 13 |
| New Jersey | 91% | $65K | 22 | 15 |
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.
Questions about THRIVENT Federal Credit Union
What is THRIVENT Federal Credit Union's mortgage approval rate?
THRIVENT Federal Credit Union approved 87.4% of the 605 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.7 points above the 74.7% national rate for the same mix of loan types.
How often do borrowers take the loan THRIVENT Federal Credit Union offers?
Borrowers accepted 78% of the loans THRIVENT Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does THRIVENT Federal Credit Union make?
The typical home improvement loan loan THRIVENT Federal Credit Union made was $55K; across all loan types its typical loan ran from $55K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does THRIVENT Federal Credit Union lend?
THRIVENT Federal Credit Union decided applications in 45 of the states Fat Boy Data covers, most of them in Minnesota, Wisconsin and Florida.
Can I apply to THRIVENT Federal Credit Union directly?
Yes. THRIVENT Federal Credit Union reports as a direct lender that takes applications from borrowers.
Does this page show THRIVENT Federal Credit Union'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 THRIVENT Federal Credit Union treats applications, then get a rate quote from the lender.