Thrivent Bank Mortgage Lending & HMDA Data, 2025
In 2025, Thrivent Bank of Salt Lake, UT reported 265 mortgage applications totaling $44.4 million. The average application was for $167,603, and applicants reported an average income of $149,479. 62% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (30), Appleton, WI (8) and Chicago-Naperville, IL (6) (applications in parentheses).
| Mortgage Company & Address | Thrivent Bank 2855 East Cottonwood Parkway Suite 100 Salt Lake, UT 84121 |
| Federal Regulator | * available with data download |
| Years | 2025 |
| Total Number of Mortgage Applications | 265 |
| Total Mortgage Loan Application Amount | $44,415,000 |
| Average Mortgage Loan Application Amount | $167,603 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $149,479 |
| Highest Applicant Income | $3,222,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Thrivent Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 64 | $ 11,990,000 | $ 187,343 | $ 114,953 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 30 | $ 6,140,000 | $ 204,666 | $ 194,966 |
| Appleton, WI | 8 | $ 1,060,000 | $ 132,500 | $ 162,000 |
| Chicago-Naperville, IL | 6 | $ 340,000 | $ 56,666 | $ 139,000 |
| Riverside-San Bernardino-Ontario, CA | 6 | $ 1,700,000 | $ 283,333 | $ 229,000 |
| Lake County-Porter County-Jasper County, IN | 5 | $ 465,000 | $ 93,000 | $ 81,000 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 1,695,000 | $ 339,000 | $ 159,000 |
| Des Moines-West Des Moines, IA | 4 | $ 690,000 | $ 172,500 | $ 141,000 |
| Ogden-Clearfield, UT | 4 | $ 930,000 | $ 232,500 | $ 84,000 |
| Tacoma-Lakewood, WA | 4 | $ 910,000 | $ 227,500 | $ 852,000 |
| Toledo, OH | 4 | $ 160,000 | $ 40,000 | $ 75,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 755,000 | $ 251,666 | $ 107,666 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 205,000 | $ 68,333 | $ 43,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 305,000 | $ 101,666 | $ 180,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 245,000 | $ 81,666 | $ 131,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 735,000 | $ 245,000 | $ 124,000 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 465,000 | $ 155,000 | $ 151,000 |
| Napa, CA | 3 | $ 405,000 | $ 135,000 | $ 202,000 |
| Pittsburgh, PA | 3 | $ 95,000 | $ 31,666 | $ 134,000 |
| Racine, WI | 3 | $ 425,000 | $ 141,666 | $ 143,000 |
| San Diego-Carlsbad, CA | 3 | $ 1,015,000 | $ 338,333 | $ 284,000 |
| St. Louis, MO-IL | 3 | $ 205,000 | $ 68,333 | $ 104,000 |
| Tampa, FL | 3 | $ 345,000 | $ 115,000 | $ 124,000 |
| Arlington-Alexandria-Reston, VA-WV | 2 | $ 310,000 | $ 155,000 | $ 261,000 |
| Champaign-Urbana, IL | 2 | $ 250,000 | $ 125,000 | $ 109,000 |
| Cleveland, OH | 2 | $ 420,000 | $ 210,000 | $ 132,000 |
| Dallas-Plano-Irving, TX | 2 | $ 180,000 | $ 90,000 | $ 178,000 |
| Fort Collins, CO | 2 | $ 320,000 | $ 160,000 | $ 197,000 |
| Gettysburg, PA | 2 | $ 70,000 | $ 35,000 | $ 59,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 420,000 | $ 210,000 | $ 134,000 |
| Kansas City, MO-KS | 2 | $ 360,000 | $ 180,000 | $ 58,000 |
| Madison, WI | 2 | $ 170,000 | $ 85,000 | $ 93,000 |
| Mankato-North Mankato, MN | 2 | $ 260,000 | $ 130,000 | $ 115,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 210,000 | $ 105,000 | $ 913,000 |
| Provo-Orem, UT | 2 | $ 410,000 | $ 205,000 | $ 65,000 |
| Saginaw, MI | 2 | $ 40,000 | $ 20,000 | $ 48,000 |
| Salt Lake City, UT | 2 | $ 110,000 | $ 55,000 | $ 31,000 |
| Akron, OH | 1 | $ 115,000 | $ 115,000 | $ 62,000 |
| Albany, OR | 1 | $ 75,000 | $ 75,000 | $ 108,000 |
| Bakersfield, CA | 1 | $ 45,000 | $ 45,000 | $ 75,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 45,000 | $ 45,000 | $ 133,000 |
| Bloomington, IL | 1 | $ 215,000 | $ 215,000 | $ 57,000 |
| Boise City, ID | 1 | $ 155,000 | $ 155,000 | $ 116,000 |
| Brownsville-Harlingen, TX | 1 | $ 155,000 | $ 155,000 | $ 61,000 |
| Cedar Rapids, IA | 1 | $ 15,000 | $ 15,000 | $ 77,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 65,000 | $ 65,000 | $ 115,000 |
| Cincinnati, OH-KY-IN | 1 | $ 55,000 | $ 55,000 | $ 166,000 |
| Columbus, OH | 1 | $ 15,000 | $ 15,000 | $ 135,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 215,000 | $ 215,000 | $ 64,000 |
| Eau Claire, WI | 1 | $ 15,000 | $ 15,000 | $ 71,000 |
| Elgin, IL | 1 | $ 65,000 | $ 65,000 | $ 171,000 |
| Fort Smith, AR-OK | 1 | $ 55,000 | $ 55,000 | $ 84,000 |
| Fort Worth-Arlington, TX | 1 | $ 115,000 | $ 115,000 | $ 71,000 |
| Green Bay, WI | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 45,000 | $ 45,000 | $ 125,000 |
| Jacksonville, FL | 1 | $ 25,000 | $ 25,000 | $ 95,000 |
| Kenosha, WI | 1 | $ 125,000 | $ 125,000 | $ 37,000 |
| Knoxville, TN | 1 | $ 65,000 | $ 65,000 | $ 78,000 |
| Lafayette-West Lafayette, IN | 1 | $ 115,000 | $ 115,000 | $ 72,000 |
| Lakeland-Winter Haven, FL | 1 | $ 65,000 | $ 65,000 | $ 58,000 |
| Lakewood-New Brunswick, NJ | 1 | $ 45,000 | $ 45,000 | $ 63,000 |
| Lancaster, PA | 1 | $ 55,000 | $ 55,000 | $ 53,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 285,000 | $ 285,000 | $ 32,000 |
| Manhattan, KS | 1 | $ 45,000 | $ 45,000 | $ 79,000 |
| Memphis, TN-MS-AR | 1 | $ 365,000 | $ 365,000 | $ 161,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 165,000 | $ 165,000 | $ 95,000 |
| Mobile, AL | 1 | $ 35,000 | $ 35,000 | $ 131,000 |
| Monroe, MI | 1 | $ 155,000 | $ 155,000 | $ 112,000 |
| New Orleans-Metairie, LA | 1 | $ 135,000 | $ 135,000 | $ 73,000 |
| Ocala, FL | 1 | $ 205,000 | $ 205,000 | $ 40,000 |
| Oklahoma City, OK | 1 | $ 25,000 | $ 25,000 | $ 127,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 75,000 | $ 75,000 | $ 242,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 95,000 | $ 95,000 | $ 126,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 75,000 | $ 75,000 | $ 142,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 15,000 | $ 15,000 | $ 177,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 75,000 | $ 75,000 | $ 162,000 |
| Pueblo, CO | 1 | $ 75,000 | $ 75,000 | $ 109,000 |
| Redding, CA | 1 | $ 255,000 | $ 255,000 | $ 37,000 |
| Reno, NV | 1 | $ 305,000 | $ 305,000 | $ 117,000 |
| Richmond, VA | 1 | $ 215,000 | $ 215,000 | $ 62,000 |
| Rochester, MN | 1 | $ 55,000 | $ 55,000 | $ 77,000 |
| Rochester, NY | 1 | $ 45,000 | $ 45,000 | $ 74,000 |
| Rockford, IL | 1 | $ 205,000 | $ 205,000 | $ 85,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 105,000 | $ 105,000 | $ 87,000 |
| Salem, OR | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
| San Antonio-New Braunfels, TX | 1 | $ 95,000 | $ 95,000 | $ 209,000 |
| Savannah, GA | 1 | $ 35,000 | $ 35,000 | $ 74,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 55,000 | $ 55,000 | $ 70,000 |
| Springfield, MA | 1 | $ 275,000 | $ 275,000 | $ 208,000 |
| Springfield, MO | 1 | $ 245,000 | $ 245,000 | $ 70,000 |
| St. Cloud, MN | 1 | $ 45,000 | $ 45,000 | $ 90,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 85,000 | $ 85,000 | $ 141,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 35,000 | $ 35,000 | $ 62,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 345,000 | $ 345,000 | $ 108,000 |
| Wausau, WI | 1 | $ 25,000 | $ 25,000 | $ 42,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 3,005,000 | $ 3,005,000 | $ 1,353,000 |
| Wilmington, NC | 1 | $ 35,000 | $ 35,000 | $ 45,000 |
| Winston-Salem, NC | 1 | $ 25,000 | $ 25,000 | $ 164,000 |
Mortgage Loan Application Detail Totals for Thrivent Bank in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 77 | $23,765,000 | $308,000 | $3,005,000 | $150,000 | $1,353,000 |
| Other Purpose | 72 | $6,370,000 | $88,000 | $505,000 | $136,000 | $1,692,000 |
| Home Improvement | 71 | $6,875,000 | $96,000 | $415,000 | $181,000 | $3,222,000 |
| Refinancing | 26 | $4,610,000 | $177,000 | $765,000 | $139,000 | $252,000 |
| Cash-out Refinancing | 19 | $2,795,000 | $147,000 | $385,000 | $95,000 | $244,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 218 | $34,740,000 | $159,000 | $765,000 | $146,000 | $3,222,000 |
| Not Provided | 25 | $6,655,000 | $266,000 | $3,005,000 | $186,000 | $1,353,000 |
| Hispanic | 14 | $1,980,000 | $141,000 | $305,000 | $144,000 | $336,000 |
| Black or African American | 4 | $270,000 | $67,000 | $95,000 | $105,000 | $209,000 |
| American Indian or Alaskan Native | 2 | $230,000 | $115,000 | $165,000 | $128,000 | $146,000 |
| Asian | 2 | $540,000 | $270,000 | $435,000 | $264,000 | $358,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 265 | $44,415,000 | $167,000 | $3,005,000 | $150,000 | $3,222,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 165 | $24,045,000 | $145,000 | $3,005,000 | $138,000 | $1,353,000 |
| Application Approved But Not Accepted | 46 | $8,300,000 | $180,000 | $705,000 | $239,000 | $3,222,000 |
| Application Denied By Financial Institution | 23 | $3,235,000 | $140,000 | $765,000 | $108,000 | $380,000 |
| Preapproval Approved but not Accepted | 23 | $7,105,000 | $308,000 | $755,000 | $121,000 | $411,000 |
| Loan Purchased By The Institution | 6 | $1,340,000 | $223,000 | $435,000 | $78,000 | $170,000 |
| Preapproval Denied by Financial Institution | 2 | $390,000 | $195,000 | $255,000 | $99,000 | $133,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 240 | $40,790,000 | $169,000 | $3,005,000 | $154,000 | $3,222,000 |
| Debt-To-Income Ratio | 15 | $2,405,000 | $160,000 | $765,000 | $88,000 | $241,000 |
| Credit History | 5 | $625,000 | $125,000 | $205,000 | $167,000 | $380,000 |
| Other | 3 | $405,000 | $135,000 | $255,000 | $142,000 | $241,000 |
| Collateral | 1 | $135,000 | $135,000 | $135,000 | $66,000 | $66,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $32,000 | $32,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Thrivent Bank's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Thrivent Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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