# THRIVENT Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/thrivent-federal-credit-union

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

THRIVENT Federal Credit Union is a credit union, headquartered in Appleton, WI, serving borrowers across 31 states, with 107 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 79% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 60% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300WW4OBT30G5DK23
- **Headquarters:** Appleton, WI
- **Geographic Reach:** Near-National
- **States Served:** 31
- **State List:** 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
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 21/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 40/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.391%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,394
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 107
- **Dollar Volume:** $27 million
- **Applications Received:** 147
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $249,206
- **Average Borrower Income:** $135,991

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 28/100 | 106 | +0.389% | $3,352 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 86 loans, Score: 29/100 (Acceptable)
- Refinance: 20 loans, Score: 26/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 29/100 | 87 | $23M | +0.341% | Acceptable 🙂 |
| Refinance | 27/100 | 20 | $3M | +0.585% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MN | 21 | 0.03% | 52/100 |
| WI | 17 | 0.03% | 49/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 23 | 38/100 |
| Minneapolis | MN-WI | 12 | 46/100 |

## Frequently Asked Questions

### 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 and performance characteristics based on HMDA data analysis.

### 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 a pricing score of 21/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.391% above market average.

### What type of lender is THRIVENT Federal Credit Union?

THRIVENT Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Appleton, WI.

### What is THRIVENT Federal Credit Union's loan approval success rate?

THRIVENT Federal Credit Union has a pull-through score of 40/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/thrivent-federal-credit-union

### How to Cite

> "THRIVENT Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/thrivent-federal-credit-union

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