THRIVENT Federal Credit Union in Minnesota vs the state
18.9%Denial rate+5.32 pts vs state
18.9%Decision denial rate+2.57 pts vs state
64.9%Origination rate-1.51 pts vs state
7.75%Median rate+1.13 pts vs state
1.72Rate spread (pts)+1.47 pts vs state
$132kMedian applicant income
24Loans originated
7Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 105 | 81 | 7.6% | 8.50% | #181 |
| 2024 | 83 | 64 | 3.6% | 8.38% | #214 |
| 2025 | 37 | 24 | 18.9% | 7.75% | #324 |
What THRIVENT Federal Credit Union lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most THRIVENT Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 10 | 8 | 1 | 10.0% |
| Dakota County | 4 | 1 | 1 | 25.0% |
| Washington County | 3 | 1 | 2 | 66.7% |
| Ramsey County | 3 | 2 | 1 | 33.3% |
| St. Louis County | 3 | 3 | 0 | 0.0% |
| Scott County | 2 | 2 | 0 | 0.0% |
| Wright County | 2 | 1 | 0 | 0.0% |
| Meeker County | 1 | 1 | 0 | 0.0% |
| Cass County | 1 | 1 | 0 | 0.0% |
| Marshall County | 1 | 0 | 0 | 0.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 37 applications in 2025, of which 24 were originated and 7 denied.
18.9% of all applications, or 18.9% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans THRIVENT Federal Credit Union originated in Minnesota 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 Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology