Thrivent Federal Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, Thrivent Federal Credit Union of Shakopee, MN reported 275 mortgage applications totaling $56.1 million, down 41% from 2024. The average application was for $204,090, and applicants reported an average income of $164,036. 51% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (28), Chicago-Naperville, IL (8) and Cleveland, OH (7) (applications in parentheses).
| Mortgage Company & Address | Thrivent Federal Credit Union Shakopee, MN 55379 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 |
| Total Number of Mortgage Applications | 275 |
| Total Mortgage Loan Application Amount | $56,125,000 |
| Average Mortgage Loan Application Amount | $204,090 |
| Highest Mortgage Loan Application Amount | $1,005,000 |
| Average Applicant Income | $164,036 |
| Highest Applicant Income | $4,408,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Thrivent Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 114 | $ 28,340,000 | $ 248,596 | $ 149,815 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 28 | $ 5,990,000 | $ 213,928 | $ 159,928 |
| Chicago-Naperville, IL | 8 | $ 960,000 | $ 120,000 | $ 138,000 |
| Cleveland, OH | 7 | $ 995,000 | $ 142,142 | $ 115,000 |
| Milwaukee-Waukesha-West Allis, WI | 6 | $ 850,000 | $ 141,666 | $ 100,000 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 405,000 | $ 81,000 | $ 408,000 |
| Duluth, MN-WI | 4 | $ 590,000 | $ 147,500 | $ 116,500 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 1,160,000 | $ 290,000 | $ 175,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 640,000 | $ 160,000 | $ 111,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 255,000 | $ 85,000 | $ 108,000 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 375,000 | $ 125,000 | $ 184,000 |
| Kansas City, MO-KS | 3 | $ 235,000 | $ 78,333 | $ 39,000 |
| Montgomery County-Bucks County-Chester County, PA | 3 | $ 955,000 | $ 318,333 | $ 148,000 |
| Anaheim-Santa Ana-Irvine, CA | 2 | $ 1,850,000 | $ 925,000 | $ 236,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 620,000 | $ 310,000 | $ 159,000 |
| Austin-Round Rock, TX | 2 | $ 170,000 | $ 85,000 | $ 211,000 |
| Camden, NJ | 2 | $ 280,000 | $ 140,000 | $ 53,000 |
| Colorado Springs, CO | 2 | $ 170,000 | $ 85,000 | $ 116,000 |
| Elgin, IL | 2 | $ 310,000 | $ 155,000 | $ 165,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 170,000 | $ 85,000 | $ 2,351,000 |
| Jacksonville, FL | 2 | $ 40,000 | $ 20,000 | $ 62,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 210,000 | $ 105,000 | $ 251,000 |
| Marietta, GA | 2 | $ 570,000 | $ 285,000 | $ 194,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 410,000 | $ 205,000 | $ 264,000 |
| Philadelphia, PA | 2 | $ 580,000 | $ 290,000 | $ 375,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 160,000 | $ 80,000 | $ 147,000 |
| Tallahassee, FL | 2 | $ 200,000 | $ 100,000 | $ 56,000 |
| Tucson, AZ | 2 | $ 320,000 | $ 160,000 | $ 151,000 |
| Alexandria, LA | 1 | $ 155,000 | $ 155,000 | $ 108,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 165,000 | $ 165,000 | $ 62,000 |
| Appleton, WI | 1 | $ 55,000 | $ 55,000 | $ 104,000 |
| Asheville, NC | 1 | $ 45,000 | $ 45,000 | $ 44,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 135,000 | $ 135,000 | $ 310,000 |
| Casper, WY | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Cheyenne, WY | 1 | $ 275,000 | $ 275,000 | $ 110,000 |
| Cincinnati, OH-KY-IN | 1 | $ 85,000 | $ 85,000 | $ 194,000 |
| College Station-Bryan, TX | 1 | $ 245,000 | $ 245,000 | $ 238,000 |
| Dallas-Plano-Irving, TX | 1 | $ 45,000 | $ 45,000 | $ 56,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 85,000 | $ 85,000 | $ 336,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 305,000 | $ 305,000 | $ 155,000 |
| Des Moines-West Des Moines, IA | 1 | $ 275,000 | $ 275,000 | $ 139,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 105,000 | $ 105,000 | $ 132,000 |
| El Centro, CA | 1 | $ 65,000 | $ 65,000 | $ 111,000 |
| Fargo, ND-MN | 1 | $ 275,000 | $ 275,000 | $ 70,000 |
| Flagstaff, AZ | 1 | $ 1,005,000 | $ 1,005,000 | $ 223,000 |
| Fond Du Lac, WI | 1 | $ 35,000 | $ 35,000 | $ 198,000 |
| Fort Collins, CO | 1 | $ 55,000 | $ 55,000 | $ 125,000 |
| Fort Wayne, IN | 1 | $ 95,000 | $ 95,000 | $ 103,000 |
| Harrisburg-Carlisle, PA | 1 | $ 55,000 | $ 55,000 | $ 169,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 25,000 | $ 25,000 | $ 92,000 |
| Jefferson City, MO | 1 | $ 135,000 | $ 135,000 | $ 72,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 1 | $ 45,000 | $ 45,000 | $ 82,000 |
| Knoxville, TN | 1 | $ 55,000 | $ 55,000 | $ 90,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 85,000 | $ 85,000 | $ 44,000 |
| Lake County-Porter County-Jasper County, IN | 1 | $ 45,000 | $ 45,000 | $ 110,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 565,000 | $ 565,000 | $ 202,000 |
| Lancaster, PA | 1 | $ 55,000 | $ 55,000 | $ 41,000 |
| Lebanon, PA | 1 | $ 85,000 | $ 85,000 | $ 103,000 |
| Madison, WI | 1 | $ 205,000 | $ 205,000 | $ 166,000 |
| Merced, CA | 1 | $ 25,000 | $ 25,000 | $ 77,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 155,000 | $ 155,000 | $ 51,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 65,000 | $ 65,000 | $ 194,000 |
| Newark, NJ-PA | 1 | $ 75,000 | $ 75,000 | $ 146,000 |
| Ocala, FL | 1 | $ 75,000 | $ 75,000 | $ 98,000 |
| Oshkosh-Neenah, WI | 1 | $ 165,000 | $ 165,000 | $ 63,000 |
| Peoria, IL | 1 | $ 15,000 | $ 15,000 | $ 64,000 |
| Pinehurst-Southern Pines, NC | 1 | $ 455,000 | $ 455,000 | $ 148,000 |
| Pittsburgh, PA | 1 | $ 45,000 | $ 45,000 | $ 97,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 95,000 | $ 95,000 | $ 63,000 |
| Racine, WI | 1 | $ 305,000 | $ 305,000 | $ 91,000 |
| Salt Lake City, UT | 1 | $ 335,000 | $ 335,000 | $ 79,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 145,000 | $ 145,000 | $ 217,000 |
| Savannah, GA | 1 | $ 25,000 | $ 25,000 | $ 58,000 |
| Sioux Falls, SD | 1 | $ 225,000 | $ 225,000 | $ 90,000 |
| Slidell-Mandeville-Covington, LA | 1 | $ 65,000 | $ 65,000 | $ 55,000 |
| Springfield, MO | 1 | $ 145,000 | $ 145,000 | $ 242,000 |
| St. Louis, MO-IL | 1 | $ 195,000 | $ 195,000 | $ 53,000 |
| Toledo, OH | 1 | $ 25,000 | $ 25,000 | $ 141,000 |
| Trenton, NJ | 1 | $ 125,000 | $ 125,000 | $ 213,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 25,000 | $ 25,000 | $ 45,000 |
| Wildwood-The Villages, FL | 1 | $ 65,000 | $ 65,000 | $ 56,000 |
Mortgage Loan Application Detail Totals for Thrivent Federal Credit Union 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 | 133 | $41,485,000 | $311,000 | $1,005,000 | $156,000 | $1,596,000 |
| Other Purpose | 61 | $6,845,000 | $112,000 | $765,000 | $153,000 | $1,438,000 |
| Home Improvement | 56 | $4,200,000 | $75,000 | $355,000 | $201,000 | $4,408,000 |
| Refinancing | 13 | $1,595,000 | $122,000 | $355,000 | $161,000 | $638,000 |
| Cash-out Refinancing | 12 | $2,000,000 | $166,000 | $375,000 | $140,000 | $285,000 |
| 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 | 229 | $46,135,000 | $201,000 | $1,005,000 | $172,000 | $4,408,000 |
| Not Provided | 29 | $6,495,000 | $223,000 | $1,005,000 | $113,000 | $290,000 |
| Hispanic | 10 | $1,940,000 | $194,000 | $805,000 | $160,000 | $473,000 |
| Black or African American | 5 | $1,145,000 | $229,000 | $845,000 | $144,000 | $381,000 |
| Asian | 2 | $410,000 | $205,000 | $355,000 | $15,000 | $30,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 274 | $55,920,000 | $204,000 | $1,005,000 | $164,000 | $4,408,000 |
| VA-guaranteed (Veterans Administration) | 1 | $205,000 | $205,000 | $205,000 | $58,000 | $58,000 |
| 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 |
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 | 139 | $20,925,000 | $150,000 | $605,000 | $137,000 | $638,000 |
| Preapproval Approved but not Accepted | 68 | $22,400,000 | $329,000 | $1,005,000 | $134,000 | $473,000 |
| Application Approved But Not Accepted | 35 | $6,715,000 | $191,000 | $765,000 | $389,000 | $4,408,000 |
| Application Denied By Financial Institution | 33 | $6,085,000 | $184,000 | $1,005,000 | $97,000 | $255,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 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 | 242 | $50,040,000 | $206,000 | $1,005,000 | $173,000 | $4,408,000 |
| Debt-To-Income Ratio | 28 | $5,740,000 | $205,000 | $1,005,000 | $88,000 | $223,000 |
| Credit History | 3 | $225,000 | $75,000 | $105,000 | $95,000 | $159,000 |
| Other | 1 | $85,000 | $85,000 | $85,000 | $255,000 | $255,000 |
| Collateral | 1 | $35,000 | $35,000 | $35,000 | $198,000 | $198,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Thrivent Federal Credit Union'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 Federal Credit Union'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.
For a list of all lenders in Minnesota, download the full spreadsheet
with aggregated HMDA statistics today.
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