# TRUSTONE FINANCIAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/trustone-financial-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


TRUSTONE FINANCIAL CREDIT UNION is a credit union, headquartered in Plymouth, MN, serving borrowers across 4 states, with 1,201 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 29% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 46% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300LG07PXWSIMC813
- **Headquarters:** Plymouth, MN
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** AZ, FL, MN, WI
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.006%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,503
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,201
- **Dollar Volume:** $354 million
- **Applications Received:** 1,989
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $294,567
- **Average Borrower Income:** $134,082
- **Average Property Value:** $409,105

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **Purchase Gold Superstar** (64%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 73/100 | 1,126 | -0.002% | $1,469 | Strong 😀 |
| FHA | 60/100 | 47 | +0.499% | $1,973 | Strong 😀 |
| VA | 58/100 | 14 | -0.418% | $2,789 | Sound ☺️ |
| Jumbo | 64/100 | 14 | -0.541% | $1,757 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 897 loans, Score: 71/100 (Strong)
- Refinance: 229 loans, Score: 74/100 (Strong)

**FHA:**
- Purchase: 41 loans, Score: 59/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 69/100 | 960 | $292M | -0.017% | Strong 😀 |
| Refinance | 73/100 | 241 | $61M | +0.101% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MN | 1,006 | 1.56% | 89/100 |
| WI | 178 | 0.27% | 71/100 |
| FL | 14 | 0.00% | 35/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Minneapolis | MN-WI | 908 | 89/100 |
| Non |  | 97 | 49/100 |
| Milwaukee | WI | 54 | 61/100 |
| Kenosha, WI | WI | 50 | 75/100 |
| Racine | WI | 36 | 63/100 |
| St. Cloud, MN | MN | 16 | 49/100 |
| Duluth, MN | MN-WI | 11 | 42/100 |

## Where This Lender Ranks

TRUSTONE FINANCIAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Minnesota for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/minnesota/best-mortgage-lenders/credit-unions/fha-loans)
- 🥈 **#2** in Minneapolis for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/minneapolis/best-mortgage-lenders/credit-unions/fha-loans)
- 🥈 **#2** in Kenosha, WI Credit Unions
  - [View Full Rankings](https://saferate.com/kenosha-wi/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Duluth, MN for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/duluth-mn/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Minnesota for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/minnesota/best-mortgage-lenders/credit-unions/va-loans)
- 🥉 **#3** in Minneapolis Credit Unions
  - [View Full Rankings](https://saferate.com/minneapolis/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Minneapolis for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/minneapolis/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Minneapolis for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/minneapolis/best-mortgage-lenders/credit-unions/va-loans)
- 🏆 **#4** in Minnesota Credit Unions
  - [View Full Rankings](https://saferate.com/minnesota/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Minnesota for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/minnesota/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#4** in Minneapolis for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/minneapolis/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#4** in Wisconsin for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/credit-unions/fha-loans)
- 🏆 **#4** in Racine Credit Unions
  - [View Full Rankings](https://saferate.com/racine/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Minnesota for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/minnesota/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Kenosha, WI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kenosha-wi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in St. Cloud, MN for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/st-cloud-mn/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Milwaukee Credit Unions
  - [View Full Rankings](https://saferate.com/milwaukee/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Racine for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/racine/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Milwaukee for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/milwaukee/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#10** in Kenosha, WI
  - [View Full Rankings](https://saferate.com/kenosha-wi/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does TRUSTONE FINANCIAL CREDIT UNION offer?

TRUSTONE FINANCIAL CREDIT UNION offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does TRUSTONE FINANCIAL CREDIT UNION offer mortgages?

TRUSTONE FINANCIAL CREDIT UNION offers mortgages in 4 states: AZ, FL, MN, WI.

### How competitive are TRUSTONE FINANCIAL CREDIT UNION's mortgage rates?

TRUSTONE FINANCIAL CREDIT UNION has a pricing score of 71/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.006% above market average.

### What type of lender is TRUSTONE FINANCIAL CREDIT UNION?

TRUSTONE FINANCIAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Plymouth, MN.

### What is TRUSTONE FINANCIAL CREDIT UNION's loan approval success rate?

TRUSTONE FINANCIAL CREDIT UNION has a pull-through score of 54/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/trustone-financial-credit-union

### How to Cite

> "TRUSTONE FINANCIAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/trustone-financial-credit-union

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