Truwest Credit Union mortgage approval rate & lending review
Truwest Credit Union decided 2,081 mortgage applications and funded 1,556 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Truwest Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Truwest Credit Union at a glance
Approval is 2.5 points above the 75.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 87% | 581 / 670 | 95% | $305K | 551 |
| Home improvement loans | 83% | 49 / 59 | 100% | $105K | 49 |
| Cash-out refinance | 75% | 859 / 1,149 | 97% | $145K | 835 |
| Refinance | 45% | 45 / 101 | 89% | $215K | 40 |
| Investment property purchase | 94% | 58 / 62 | 93% | $335K | 54 |
| Investment cash-out refinance | 70% | 21 / 30 | 95% | $235K | 20 |
Truwest Credit Union lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Truwest Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Maricopa County, AZ | Cash-out refinance | 76% | 946 | 702 |
| Pima County, AZ | Cash-out refinance | 85% | 40 | 33 |
| Travis County, TX | Cash-out refinance | 70% | 43 | 28 |
| Pinal County, AZ | Cash-out refinance | 57% | 46 | 24 |
The county markets where Truwest Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Truwest Credit Union
What is Truwest Credit Union's mortgage approval rate?
Truwest Credit Union approved 77.8% of the 2,081 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.5 points above the 75.4% national rate for the same mix of loan types.
How often do borrowers take the loan Truwest Credit Union offers?
Borrowers accepted 96% of the loans Truwest Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Truwest Credit Union make?
The typical cash-out refinance loan Truwest Credit Union made was $145K; across all loan types its typical loan ran from $105K to $335K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Truwest Credit Union lend?
Truwest Credit Union decided applications in 14 of the states Fat Boy Data covers, most of them in Arizona, Texas and Florida.
Can I apply to Truwest Credit Union directly?
Yes. Truwest Credit Union is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Truwest Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Truwest Credit Union treats applications, then get a rate quote from the lender.