THRIVENT Federal Credit Union
THRIVENT Federal Credit Union received 206 applications in 2025 and made 139 mortgages, in 148 counties across 33 states. The median rate its borrowers got was 7.750% on a median loan of $95,000. Of 206 decisions, 33 were denials — 16.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300WW4OBT30G5DK23 |
|---|---|
| Applications received | 206 |
| Mortgages made | 139 |
| Denied | 33 |
| Approved, not taken up | 34 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.829 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 50 | 6.813% | $260,000 | 4.7% |
| Refinancing | 7 | Under 10 loans | Under 10 loans | 38.5% |
| Cash-out refinancing | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Other purposes | 76 | 8.000% | $65,000 | 18.0% |
Where THRIVENT Federal Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hennepin County, MN | 8 | Under 10 loans | 10.0% |
| Cuyahoga County, OH | 5 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 4 | Under 10 loans | 0.0% |
| Cook County, IL | 4 | Under 10 loans | 0.0% |
| St. Louis County, MN | 3 | Under 10 loans | 0.0% |
| Waukesha County, WI | 3 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 2 | Under 10 loans | 0.0% |
| Cobb County, GA | 2 | Under 10 loans | 0.0% |
| LaSalle County, IL | 2 | Under 10 loans | 25.0% |
| White County, IN | 2 | Under 10 loans | 0.0% |
| Ramsey County, MN | 2 | Under 10 loans | 33.3% |
| Scott County, MN | 2 | Under 10 loans | 0.0% |
| Harris County, TX | 2 | Under 10 loans | 0.0% |
| Walworth County, WI | 2 | Under 10 loans | 33.3% |
| Mohave County, AZ | 1 | Under 10 loans | 0.0% |
| Pima County, AZ | 1 | Under 10 loans | 50.0% |
| Yavapai County, AZ | 1 | Under 10 loans | 0.0% |
| Imperial County, CA | 1 | Under 10 loans | 0.0% |
| Merced County, CA | 1 | Under 10 loans | 0.0% |
| Santa Cruz County, CA | 1 | Under 10 loans | 0.0% |
| Denver County, CO | 1 | Under 10 loans | 0.0% |
| Larimer County, CO | 1 | Under 10 loans | 0.0% |
| Leon County, FL | 1 | Under 10 loans | 0.0% |
| Marion County, FL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| St. Johns County, FL | 1 | Under 10 loans | 0.0% |
| Seminole County, FL | 1 | Under 10 loans | 0.0% |
| Volusia County, FL | 1 | Under 10 loans | 0.0% |
| Chatham County, GA | 1 | Under 10 loans | 0.0% |
| Fayette County, GA | 1 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 1 | Under 10 loans | 0.0% |
| Bonner County, ID | 1 | Under 10 loans | 0.0% |
| Adams County, IL | 1 | Under 10 loans | 0.0% |
| Douglas County, IL | 1 | Under 10 loans | 0.0% |
| DuPage County, IL | 1 | Under 10 loans | 0.0% |
| Kane County, IL | 1 | Under 10 loans | 0.0% |
| Kendall County, IL | 1 | Under 10 loans | 0.0% |
| McHenry County, IL | 1 | Under 10 loans | 0.0% |
| Peoria County, IL | 1 | Under 10 loans | 0.0% |
| Will County, IL | 1 | Under 10 loans | 0.0% |
| Lake County, IN | 1 | Under 10 loans | 0.0% |
| Marion County, IN | 1 | Under 10 loans | 0.0% |
| Starke County, IN | 1 | Under 10 loans | 0.0% |
| Polk County, IA | 1 | Under 10 loans | 0.0% |
| Winnebago County, IA | 1 | Under 10 loans | 0.0% |
| Johnson County, KS | 1 | Under 10 loans | 0.0% |
| Leavenworth County, KS | 1 | Under 10 loans | 0.0% |
| Marshall County, KS | 1 | Under 10 loans | 0.0% |
| Boone County, KY | 1 | Under 10 loans | 0.0% |
| Rapides Parish, LA | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.