What loan types does TRUWEST Credit Union offer?

TRUWEST Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

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 an overall pricing score of 64.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is TRUWEST Credit Union?

TRUWEST Credit Union is a Credit Union headquartered in Tempe, AZ.

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TRUWEST Credit Union

Credit Union•Tempe, AZHQ•Direct•Reviews near you on Google

TRUWEST Credit Union has 238 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Sound

3/5

Multi-Region · 3 mkts

Summary

What They Do Well

Offers rates 12.80 basis points below market average

Explore another lender or local market

Report Card

TRUWEST Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 12.8 bps below market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Strong	Sound	236	99.2%	-0.128%Below	$2,406Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume236

Mix99.2%

Spread

-0.128%Below

Fees

$2,406Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Sound	226	95.0%	-0.123%Below	$2,473Fees
Refinance	Acceptable	Acceptable	—	Acceptable	12	5.0%	-0.220%Below	$980Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume226

Mix95.0%

Spread

-0.123%Below

Fees

$2,473Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume12

Mix5.0%

Spread

-0.220%Below

Fees

$980Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

238

Applications

354

Volume

$73 million

Pricing & Closing

Avg Rate Spread

-0.128%

vs. market APOR

Avg Net Fees

$2,395

Origination − Credits

Pullthrough Rate

67.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$309,748

Avg Borrower Income

$108,168

Avg Property Value

$406,261

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

South5

ARFLNCTNTX

West5

AZIDNMORUT

Top Metro Areas by Place Specialization Score

Phoenix, AZMetro

Volume 179Mix 75.21% of portfolio

75/100

Strong

Tucson, AZMetro

Volume 16Mix 6.72% of portfolio

50/100

Sound

Austin, TXMetro

Volume 16Mix 6.72% of portfolio

49/100

Sound

Top States by Place Specialization Score

ArizonaState

Volume 208Mix 87.39% of portfolio

76/100

Strong

TexasState

Volume 22Mix 9.24% of portfolio

45/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.