Applications / Mortgage Analytics / Lenders / Arizona / Truwest Credit Union
Tempe, AZ · Credit union · NCUA · $1.7 billion assets · 723 loans in 2025
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723
loans originated, 2025
1,260
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Truwest Credit Union is an Arizona credit union whose loan count fell 15% in 2025 while its dollar lending rose, as jumbo loans (larger than the conforming limit) climbed to 9.2% of its loans.
Originations fell 15%, from 854 to 723, while similar lenders (credit unions making between half and twice as many loans) grew 7% and the whole market 10%. Its dollar total rose, from $185.3 million to $211.3 million. One possible reason is a shift toward larger loans: jumbo loans rose from 0.7% to 9.2%, against 0.8% at peers. The figures do not show why its loan count fell; it made 752 loans in 2023, close to this year's level.
Its typical loan was $175,000, against $105,000 at peers, higher than more than eight in ten. Other purposes made up 41.9% of its loans, more than purchase (27.7%) or refinance (24.6%). Its typical rate, 8.00%, is higher than peers' 7.00%, which an other-purpose mix could explain; its higher-priced share (a rate well above the average for similar loans), 0.4%, is lower than peers' 1.6%.
In Phoenix-Mesa-Chandler, AZ, where it has reported since 1991, it ranked 67 of 879 with an unchanged 0.3% share; United Wholesale Mortgage leads. In Flagstaff, AZ its share rose 0.2 points to 0.4%.
Majority-minority areas received 19.5% of its loans, against 10.5% at peers, higher than about seven in ten. Its share to LMI (low- and moderate-income) borrowers, 26.8%, is near the middle of its peers.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Truwest Credit Union took 1,260 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 41.9% · Purchase 27.7% · Refinance 24.6% · Home improvement 5.8%
Conventional 100.0% · of 723 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Arizona | 641 | 88.7% |
| Texas | 78 | 10.8% |
| Colorado | 1 | 0.1% |
| Idaho | 1 | 0.1% |
| Minnesota | 1 | 0.1% |
| North Carolina | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Phoenix-Mesa-Chandler | 599 |
| Austin-Round Rock-San Marcos | 53 |
| Tucson | 20 |
| Flagstaff | 8 |
| Houston-Pasadena-The Woodlands | 8 |
| San Antonio-New Braunfels | 5 |
| Dallas-Plano-Irving | 4 |
| Prescott Valley-Prescott | 4 |
| Fort Worth-Arlington-Grapevine | 3 |
| Sierra Vista-Douglas | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XYLNCM8KWF7B15 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 645894 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 563832 | 1991–2017 |
Established 1 January 1952. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Truwest Credit Union's data.
Truwest Credit Union's data
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Truwest Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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