Enter a search term.
line drawing document and pencil

File a claim

Need to file an insurance claim? We’ll make the process as supportive, simple and swift as possible.

Action Teams

If you want to make an impact in your community but aren't sure where to begin, we're here to help.
Illustration of stairs and arrow pointing upward

Contact support

Can’t find what you’re looking for? Need to discuss a complex question? Let us know—we’re happy to help.
Use the search bar above to find information throughout our website. Or choose a topic you want to learn more about.

Thrivent Church Financing

We offer a variety of loan options, financial tools and resources to help churches grow and help their local communities thrive.

Frequently asked questions

Get answers to common questions you may have about Thrivent's church financing solutions.
Who should I contact to discuss refinancing my church's existing mortgage loan?
Take advantage of lower rates to save on your church’s monthly payment. Call us to discuss options at 800-984-9425 or visit our website.
Does Thrivent provide construction loans?
Yes, we can provide loans for a variety of purposes. Contact us at 800-984-9425 to discuss your specific needs.
What is the loan process for churches?
You can begin the loan process by calling us at 800-984-9425. This way, we can discuss your particular situation prior to receiving your loan application. You'll then submit your application to the Church Financing department as directed on the loan application form.

Once we receive your application, we will underwrite the loan and, upon approval, will send the congregation a formal letter of our commitment to provide the loan. Typically it takes about two weeks to complete the underwriting process and to issue the formal commitment to your church.

After that, the timeline depends on the specific requirements needed to close the loan. For example, most loans require a borrowing resolution to be approved by the congregation, in accordance with your constitution and by-laws. Once we receive all the specific closing requirements, it takes about two weeks to review the items submitted, prepare the loan documents and schedule the closing. These timeframes are estimates and may vary based on the nature of the project.
How do I compare our Thrivent loan offer with other lenders?
The Thrivent Church Financing team is here to help Christian churches achieve their missions, grow their ministries and meet their financial stewardship goals.

It can be difficult to get an "apples to apples" comparison since lenders' terms and conditions vary widely.

However, Thrivent will gladly work with your church to help evaluate your choices. Our goal is to help you and your congregation find the product that best suits your needs. Ask the following questions of potential lenders:

  • What is the term of the loan (the date the loan matures, not the length of the amortization)? Few lenders offer a term longer than three to five years and may charge additional fees to renew the loan.
  • How long is the initial interest rate fixed? What are the terms of the rate reset?
  • What are the initial fees? Are there additional fees during the life of the loan if changes are made?
  • Are there covenants to comply with through the life of the loan?
  • Are there prepayment penalties?
  • Are there late payment charges?
  • Will there be a "balloon" payment?
  • There may be other things unique to your situation. Contact us at 800-984-9425 to discuss these at any time.
Why Thrivent Church Financing?
We are one of the largest faith-based church lenders in the country with over 115 years of commitment to serving the financing needs of churches of all sizes. Your church’s current and future financing needs will not outgrow our financial capacity with loan products that are simple to understand, rate terms ranging from 3 to 30 years, and no balloon payments. In addition, you can bank with your bank of choice!  With our dedicated team solely focused on your church’s financing needs, rest assured that your church will be our top priority.

Give us a call at 800-984-9425 to speak with one of our church loan experts or check out our website at to learn more.
Illustration of man and woman talking with speech bubbles
Get support
Still have a question about Thrivent Church Financing?
Our Church Loan representatives are happy to help with any questions related to financing for your church.

To reach a representative, call 800-984-9425, Monday to Friday, 8 a.m. to 5 p.m., Central time or email