# TRUWEST Credit Union

> **Canonical URL:** https://saferate.com/lenders/truwest-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


TRUWEST Credit Union is a credit union, headquartered in Tempe, AZ, serving borrowers across 10 states, with 238 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 36% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 48% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300XYLNCM8KWF7B15
- **Headquarters:** Tempe, AZ
- **Geographic Reach:** Multi-Region
- **States Served:** 10
- **State List:** AR, AZ, FL, ID, NC, NM, OR, TN, TX, UT
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 96.6%
- **Brokered/Wholesale:** 3.4%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.128%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,395
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 238
- **Dollar Volume:** $74 million
- **Applications Received:** 354
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $309,748
- **Average Borrower Income:** $108,168
- **Average Property Value:** $406,261

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 45/100 | 236 | -0.128% | $2,406 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 224 loans, Score: 47/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 45/100 | 226 | $70M | -0.123% | Sound ☺️ |
| Refinance | 22/100 | 12 | $4M | -0.220% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AZ | 208 | 0.21% | 76/100 |
| TX | 22 | 0.01% | 45/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Phoenix | AZ | 179 | 75/100 |
| Austin | TX | 16 | 49/100 |
| Tucson, AZ | AZ | 16 | 50/100 |

## Where This Lender Ranks

TRUWEST Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Arizona Credit Unions
  - [View Full Rankings](https://saferate.com/arizona/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Arizona for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/arizona/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Phoenix for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/phoenix/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does TRUWEST Credit Union offer?

TRUWEST Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does TRUWEST Credit Union offer mortgages?

TRUWEST Credit Union offers mortgages in 10 states: AR, AZ, FL, ID, NC, NM, OR, TN, TX, UT.

### How competitive are TRUWEST Credit Union's mortgage rates?

TRUWEST Credit Union has a pricing score of 64/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.128% below market average.

### What type of lender is TRUWEST Credit Union?

TRUWEST Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Tempe, AZ.

### What is TRUWEST Credit Union's loan approval success rate?

TRUWEST Credit Union has a pull-through score of 52/100 (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/truwest-credit-union

### How to Cite

> "TRUWEST Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/truwest-credit-union

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