THRIVENT Federal Credit Union in California vs the state
25.0%Denial rate+7.58 pts vs state
25.0%Decision denial rate+2.60 pts vs state
62.5%Origination rate+6.30 pts vs state
7.75%Median rate+1.13 pts vs state
1.90Rate spread (pts)+1.63 pts vs state
$147kMedian applicant income
5Loans originated
2Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 26 | 12 | 26.9% | 8.75% | #619 |
| 2024 | 20 | 11 | 25.0% | 8.75% | #638 |
| 2025 | 8 | 5 | 25.0% | 7.75% | #751 |
What THRIVENT Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most THRIVENT Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 2 | 2 | 0 | 0.0% |
| Santa Cruz County | 1 | 1 | 0 | 0.0% |
| Merced County | 1 | 1 | 0 | 0.0% |
| Imperial County | 1 | 1 | 0 | 0.0% |
| Orange County | 1 | 0 | 1 | 100.0% |
| Riverside County | 1 | 0 | 1 | 100.0% |
| San Bernardino County | 1 | 0 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 8 applications in 2025, of which 5 were originated and 2 denied.
25.0% of all applications, or 25.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans THRIVENT Federal Credit Union originated in California in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are THRIVENT Federal Credit Union's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology