Thrivent Financial Bank Mortgage Lending & HMDA Data, 2008
In 2008, Thrivent Financial Bank of Appleton, WI reported 1,117 mortgage applications totaling $160.7 million, down 36% from 2007. The average application was for $143,860, and applicants reported an average income of $91,568. 50% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (217), Appleton, WI (79) and Chicago-Naperville-Joliet, IL (34) (applications in parentheses).
| Mortgage Company & Address | Thrivent Financial Bank 122 East College Ave., Suite 1e Appleton, WI 54911 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,117 |
| Total Mortgage Loan Application Amount | $160,692,000 |
| Average Mortgage Loan Application Amount | $143,860 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $91,568 |
| Highest Applicant Income | $705,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Thrivent Financial Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Minneapolis-St. Paul-Bloomington, MN-WI | 217 | $ 29,421,000 | $ 135,580 | $ 114,225 |
| Appleton, WI | 79 | $ 9,199,000 | $ 116,443 | $ 68,000 |
| Chicago-Naperville-Joliet, IL | 34 | $ 5,219,000 | $ 153,500 | $ 100,000 |
| St. Louis, MO-IL | 32 | $ 4,264,000 | $ 133,250 | $ 91,250 |
| Milwaukee-Waukesha-West Allis, WI | 19 | $ 2,418,000 | $ 127,263 | $ 82,000 |
| Oshkosh-Neenah, WI | 16 | $ 1,871,000 | $ 116,937 | $ 79,000 |
| Phoenix-Mesa-Scottsdale, AZ | 10 | $ 1,551,000 | $ 155,100 | $ 124,000 |
| Orlando-Kissimmee, FL | 8 | $ 1,360,000 | $ 170,000 | $ 76,000 |
| Rochester, MN | 8 | $ 929,000 | $ 116,125 | $ 64,000 |
| Seattle-Bellevue-Everett, WA | 8 | $ 1,422,000 | $ 177,750 | $ 196,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 7 | $ 1,252,000 | $ 178,857 | $ 78,571 |
| Lake County-Kenosha County, IL-WI | 7 | $ 943,000 | $ 134,714 | $ 67,000 |
| Pittsburgh, PA | 7 | $ 599,000 | $ 85,571 | $ 78,000 |
| Racine, WI | 7 | $ 853,000 | $ 121,857 | $ 75,000 |
| Gary, IN | 6 | $ 805,000 | $ 134,166 | $ 55,000 |
| Houston-Sugar Land-Baytown, TX | 6 | $ 990,000 | $ 165,000 | $ 110,000 |
| Los Angeles-Long Beach-Glendale, CA | 6 | $ 1,773,000 | $ 295,500 | $ 122,000 |
| Sheboygan, WI | 6 | $ 823,000 | $ 137,166 | $ 60,000 |
| Warren-Troy-Farmington Hills, MI | 6 | $ 814,000 | $ 135,666 | $ 75,000 |
| Ames, IA | 5 | $ 475,000 | $ 95,000 | $ 93,000 |
| Baltimore-Towson, MD | 5 | $ 734,000 | $ 146,800 | $ 71,000 |
| Cleveland-Elyria-Mentor, OH | 5 | $ 481,000 | $ 96,200 | $ 43,000 |
| Denver-Aurora, CO | 5 | $ 815,000 | $ 163,000 | $ 89,000 |
| Green Bay, WI | 5 | $ 850,000 | $ 170,000 | $ 112,000 |
| Las Vegas-Paradise, NV | 5 | $ 1,117,000 | $ 223,400 | $ 145,000 |
| Madison, WI | 5 | $ 975,000 | $ 195,000 | $ 101,000 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 1,174,000 | $ 234,800 | $ 101,000 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 439,000 | $ 87,800 | $ 118,000 |
| Austin-Round Rock, TX | 4 | $ 406,000 | $ 101,500 | $ 143,000 |
| Battle Creek, MI | 4 | $ 186,000 | $ 46,500 | $ 89,000 |
| Dallas-Plano-Irving, TX | 4 | $ 617,000 | $ 154,250 | $ 74,000 |
| Kansas City, MO-KS | 4 | $ 300,000 | $ 75,000 | $ 46,250 |
| Oklahoma City, OK | 4 | $ 1,926,000 | $ 481,500 | $ 239,000 |
| Philadelphia, PA | 4 | $ 408,000 | $ 102,000 | $ 118,000 |
| Rockford, IL | 4 | $ 440,000 | $ 110,000 | $ 71,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 4 | $ 1,231,000 | $ 307,750 | $ 143,000 |
| San Antonio, TX | 4 | $ 534,000 | $ 133,500 | $ 84,000 |
| Santa Ana-Anaheim-Irvine, CA | 4 | $ 1,342,000 | $ 335,500 | $ 214,000 |
| Bradenton-Sarasota-Venice, FL | 3 | $ 375,000 | $ 125,000 | $ 82,000 |
| Buffalo-Niagara Falls, NY | 3 | $ 297,000 | $ 99,000 | $ 44,000 |
| Charlotte-Gastonia-Concord, NC-SC | 3 | $ 434,000 | $ 144,666 | $ 67,000 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 520,000 | $ 173,333 | $ 234,000 |
| Fort Worth-Arlington, TX | 3 | $ 477,000 | $ 159,000 | $ 88,000 |
| Jacksonville, FL | 3 | $ 496,000 | $ 165,333 | $ 67,000 |
| Little Rock-North Little Rock-Conway, AR | 3 | $ 279,000 | $ 93,000 | $ 114,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 389,000 | $ 129,666 | $ 100,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 252,000 | $ 84,000 | $ 86,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 230,000 | $ 76,666 | $ 31,000 |
| Portland-Vancouver-Beaverton, OR-WA | 3 | $ 707,000 | $ 235,666 | $ 68,666 |
| Savannah, GA | 3 | $ 329,000 | $ 109,666 | $ 61,000 |
| Wichita, KS | 3 | $ 309,000 | $ 103,000 | $ 70,000 |
| Akron, OH | 2 | $ 91,000 | $ 45,500 | $ 95,000 |
| Anchorage, AK | 2 | $ 193,000 | $ 96,500 | $ 52,000 |
| Bakersfield, CA | 2 | $ 448,000 | $ 224,000 | $ 70,000 |
| Bay City, MI | 2 | $ 489,000 | $ 244,500 | $ 108,000 |
| Bethesda-Frederick-Gaithersburg, MD | 2 | $ 627,000 | $ 313,500 | $ 129,000 |
| Champaign-Urbana, IL | 2 | $ 356,000 | $ 178,000 | $ 72,000 |
| Chattanooga, TN-GA | 2 | $ 179,000 | $ 89,500 | $ 146,000 |
| Des Moines-West Des Moines, IA | 2 | $ 141,000 | $ 70,500 | $ 35,000 |
| Dubuque, IA | 2 | $ 261,000 | $ 130,500 | $ 78,000 |
| Duluth, MN-WI | 2 | $ 218,000 | $ 109,000 | $ 32,000 |
| Fort Collins-Loveland, CO | 2 | $ 120,000 | $ 60,000 | $ 111,000 |
| Fort Wayne, IN | 2 | $ 203,000 | $ 101,500 | $ 69,000 |
| Harrisburg-Carlisle, PA | 2 | $ 354,000 | $ 177,000 | $ 92,000 |
| Janesville, WI | 2 | $ 542,000 | $ 271,000 | $ 75,000 |
| Kalamazoo-Portage, MI | 2 | $ 96,000 | $ 48,000 | $ 84,000 |
| Knoxville, TN | 2 | $ 467,000 | $ 233,500 | $ 162,000 |
| Lafayette, IN | 2 | $ 205,000 | $ 102,500 | $ 58,000 |
| Monroe, MI | 2 | $ 258,000 | $ 129,000 | $ 77,000 |
| Nassau-Suffolk, NY | 2 | $ 258,000 | $ 129,000 | $ 93,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 241,000 | $ 120,500 | $ 55,000 |
| New York-White Plains-Wayne, NY-NJ | 2 | $ 767,000 | $ 383,500 | $ 123,500 |
| Norwich-New London, CT | 2 | $ 477,000 | $ 238,500 | $ 180,000 |
| Oakland-Fremont-Hayward, CA | 2 | $ 156,000 | $ 78,000 | $ 62,000 |
| Port St. Lucie, FL | 2 | $ 251,000 | $ 125,500 | $ 53,000 |
| Reading, PA | 2 | $ 106,000 | $ 53,000 | $ 62,000 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 644,000 | $ 322,000 | $ 89,000 |
| Sioux Falls, SD | 2 | $ 237,000 | $ 118,500 | $ 80,000 |
| St. Joseph, MO-KS | 2 | $ 200,000 | $ 100,000 | $ 54,000 |
| Topeka, KS | 2 | $ 148,000 | $ 74,000 | $ 69,000 |
| Tucson, AZ | 2 | $ 170,000 | $ 85,000 | $ 49,000 |
| Tulsa, OK | 2 | $ 123,000 | $ 61,500 | $ 62,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 255,000 | $ 127,500 | $ 94,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 505,000 | $ 252,500 | $ 129,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 275,000 | $ 137,500 | $ 79,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 175,000 | $ 175,000 | $ 45,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 149,000 | $ 149,000 | $ 34,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 240,000 | $ 240,000 | $ 134,000 |
| Baton Rouge, LA | 1 | $ 86,000 | $ 86,000 | $ 102,000 |
| Billings, MT | 1 | $ 100,000 | $ 100,000 | $ 61,000 |
| Bloomington-Normal, IL | 1 | $ 107,000 | $ 107,000 | $ 40,000 |
| Boise City-Nampa, ID | 1 | $ 250,000 | $ 250,000 | $ 64,000 |
| Bremerton-Silverdale, WA | 1 | $ 302,000 | $ 302,000 | $ 93,000 |
| Brownsville-Harlingen, TX | 1 | $ 54,000 | $ 54,000 | $ 24,000 |
| Burlington, NC | 1 | $ 40,000 | $ 40,000 | $ 68,000 |
| Camden, NJ | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 21,000 | $ 21,000 | $ 82,000 |
| Colorado Springs, CO | 1 | $ 234,000 | $ 234,000 | $ 217,000 |
| Columbia, SC | 1 | $ 210,000 | $ 210,000 | $ 42,000 |
| Columbus, IN | 1 | $ 107,000 | $ 107,000 | $ 67,000 |
| Columbus, OH | 1 | $ 194,000 | $ 194,000 | $ 98,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 10,000 | $ 10,000 | $ 80,000 |
| Edison-New Brunswick, NJ | 1 | $ 186,000 | $ 186,000 | $ 95,000 |
| Eugene-Springfield, OR | 1 | $ 297,000 | $ 297,000 | $ 91,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 47,000 | $ 47,000 | $ 76,000 |
| Flagstaff, AZ | 1 | $ 285,000 | $ 285,000 | $ 88,000 |
| Fond Du Lac, WI | 1 | $ 225,000 | $ 225,000 | $ 83,000 |
| Greeley, CO | 1 | $ 195,000 | $ 195,000 | $ 110,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 125,000 | $ 125,000 | $ 67,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 82,000 | $ 82,000 | $ 100,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 36,000 | $ 36,000 | $ 65,000 |
| Jacksonville, NC | 1 | $ 57,000 | $ 57,000 | $ 59,000 |
| Joplin, MO | 1 | $ 70,000 | $ 70,000 | $ 40,000 |
| Kennewick-Pasco-Richland, WA | 1 | $ 142,000 | $ 142,000 | $ 233,000 |
| Lansing-East Lansing, MI | 1 | $ 79,000 | $ 79,000 | $ 50,000 |
| Laredo, TX | 1 | $ 128,000 | $ 128,000 | $ 80,000 |
| Lincoln, NE | 1 | $ 104,000 | $ 104,000 | $ 101,000 |
| Mobile, AL | 1 | $ 100,000 | $ 100,000 | $ 55,000 |
| Muskegon-Norton Shores, MI | 1 | $ 64,000 | $ 64,000 | $ 79,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 30,000 | $ 30,000 | $ 74,000 |
| Newark-Union, NJ-PA | 1 | $ 124,000 | $ 124,000 | $ 53,000 |
| Niles-Benton Harbor, MI | 1 | $ 33,000 | $ 33,000 | $ 145,000 |
| Ocean City, NJ | 1 | $ 246,000 | $ 246,000 | $ 97,000 |
| Prescott, AZ | 1 | $ 400,000 | $ 400,000 | $ 51,000 |
| Pueblo, CO | 1 | $ 157,000 | $ 157,000 | $ 63,000 |
| Punta Gorda, FL | 1 | $ 45,000 | $ 45,000 | $ 70,000 |
| Rapid City, SD | 1 | $ 205,000 | $ 205,000 | $ 87,000 |
| Redding, CA | 1 | $ 15,000 | $ 15,000 | $ 86,000 |
| Roanoke, VA | 1 | $ 115,000 | $ 115,000 | $ 127,000 |
| Rockingham County-Strafford County, NH | 1 | $ 183,000 | $ 183,000 | $ 82,000 |
| Salinas, CA | 1 | $ 590,000 | $ 590,000 | $ 257,000 |
| Salt Lake City, UT | 1 | $ 110,000 | $ 110,000 | $ 72,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 180,000 | $ 180,000 | $ 214,000 |
| Santa Fe, NM | 1 | $ 207,000 | $ 207,000 | $ 63,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 102,000 | $ 102,000 | $ 94,000 |
| Shreveport-Bossier City, LA | 1 | $ 204,000 | $ 204,000 | $ 119,000 |
| Spokane, WA | 1 | $ 2,000 | $ 2,000 | $ 53,000 |
| State College, PA | 1 | $ 160,000 | $ 160,000 | $ 77,000 |
| Stockton, CA | 1 | $ 260,000 | $ 260,000 | $ 94,000 |
| Tacoma, WA | 1 | $ 225,000 | $ 225,000 | $ 80,000 |
| Tallahassee, FL | 1 | $ 6,000 | $ 6,000 | $ 43,000 |
| Toledo, OH | 1 | $ 20,000 | $ 20,000 | $ 18,000 |
| Victoria, TX | 1 | $ 98,000 | $ 98,000 | $ 47,000 |
| Visalia-Porterville, CA | 1 | $ 186,000 | $ 186,000 | $ 176,000 |
| Warner Robins, GA | 1 | $ 186,000 | $ 186,000 | $ 87,000 |
| Wausau, WI | 1 | $ 294,000 | $ 294,000 | $ 187,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 90,000 | $ 90,000 | $ 45,000 |
| Wilmington, DE-MD-NJ | 1 | $ 380,000 | $ 380,000 | $ 89,000 |
| Wilmington, NC | 1 | $ 138,000 | $ 138,000 | $ 102,000 |
Mortgage Loan Application Detail Totals for Thrivent Financial Bank in 2008
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 |
|---|---|---|---|---|---|---|
| Refinancing | 514 | $72,704,000 | $141,000 | $1,600,000 | $91,000 | $705,000 |
| Home Purchase | 446 | $72,147,000 | $161,000 | $1,000,000 | $97,000 | $596,000 |
| Home Improvement | 157 | $15,841,000 | $100,000 | $417,000 | $78,000 | $484,000 |
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 | 934 | $134,163,000 | $143,000 | $1,600,000 | $90,000 | $705,000 |
| Not Provided | 141 | $20,351,000 | $144,000 | $800,000 | $102,000 | $471,000 |
| Black or African American | 14 | $2,057,000 | $146,000 | $249,000 | $87,000 | $279,000 |
| Asian | 12 | $1,429,000 | $119,000 | $266,000 | $92,000 | $175,000 |
| Hispanic | 11 | $1,641,000 | $149,000 | $417,000 | $100,000 | $211,000 |
| American Indian or Alaskan Native | 4 | $461,000 | $115,000 | $210,000 | $36,000 | $45,000 |
| Not applicable | 1 | $590,000 | $590,000 | $590,000 | $257,000 | $257,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,117 | $160,692,000 | $143,000 | $1,600,000 | $92,000 | $705,000 |
| 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 | 558 | $74,695,000 | $133,000 | $800,000 | $97,000 | $577,000 |
| Application Denied By Financial Institution | 185 | $24,855,000 | $134,000 | $1,600,000 | $77,000 | $705,000 |
| Application Approved But Not Accepted | 154 | $22,648,000 | $147,000 | $651,000 | $101,000 | $484,000 |
| Preapproval Approved but not Accepted | 145 | $27,492,000 | $189,000 | $1,000,000 | $95,000 | $596,000 |
| Preapproval Denied by Financial Institution | 60 | $9,608,000 | $160,000 | $800,000 | $63,000 | $162,000 |
| Loan Purchased By The Institution | 8 | $486,000 | $60,000 | $110,000 | $97,000 | $144,000 |
| Application Withdrawn By Applicant | 6 | $694,000 | $115,000 | $179,000 | $64,000 | $89,000 |
| File Closed For Incompleteness | 1 | $214,000 | $214,000 | $214,000 | $87,000 | $87,000 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 112 | $15,537,000 | $138,000 | $456,000 | $78,000 | $300,000 |
| Debt-To-Income Ratio | 68 | $12,157,000 | $178,000 | $1,600,000 | $63,000 | $705,000 |
| Collateral | 33 | $3,821,000 | $115,000 | $384,000 | $88,000 | $377,000 |
| Other | 13 | $1,352,000 | $104,000 | $264,000 | $67,000 | $138,000 |
| Unverifiable Information | 7 | $425,000 | $60,000 | $208,000 | $53,000 | $84,000 |
| Mortgage Insurance Denied | 5 | $317,000 | $63,000 | $171,000 | $90,000 | $142,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $631,000 | $157,000 | $238,000 | $50,000 | $58,000 |
| Credit Application Incomplete | 2 | $181,000 | $90,000 | $160,000 | $23,000 | $46,000 |
| Employment History | 1 | $42,000 | $42,000 | $42,000 | $90,000 | $90,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Thrivent Financial Bank's 2008 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 Financial 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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