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 score and performance metrics.

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 an overall pricing score of 71.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Trustone Financial Credit Union?

Trustone Financial Credit Union is a Credit Union headquartered in Plymouth, MN.

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Trustone Financial Credit Union

Credit Union•Plymouth, MNHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Trustone Financial Credit Union — 1.2k loans across 2k applications— and benchmarked them against peer lenders 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

Strong

4/5

FHA · Conventional · VA · Jumbo

Place

Strong

4/5

Regional · 6 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees
Particularly strong in Conventional and FHA and Jumbo loans

Explore another lender or local market

Report Card

Trustone Financial Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+0.6 bps above market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

1,126 loans · 0.00% below market

Strong

Top 40% of lenders

4/5

FHA

47 loans · 0.50% above market

Strong

Top 40% of lenders

4/5

14 loans · 0.42% below market

Sound

Top 60% of lenders

3/5

Jumbo

14 loans · 0.54% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

960 loans · 0.02% below market

Strong

Top 40% of lenders

4/5

Refinance

241 loans · 0.10% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Regional · 7 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Strong	Sound	1,126	93.8%	-0.002%Below	$1,469Fees
FHA Loans	Sound	Strong	Sound	Sound	47	3.9%	+0.499%Above	$1,973Fees
VA Loans	Sound	Sound	—	Sound	14	1.2%	-0.418%Below	$2,789Fees
Jumbo Loans	Sound	Strong	—	Sound	14	1.2%	-0.541%Below	$1,757Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Sound

Volume1,126

Mix93.8%

Spread

-0.002%Below

Fees

$1,469Fees

FHA Loans

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume47

Mix3.9%

Spread

+0.499%Above

Fees

$1,973Fees

VA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume14

Mix1.2%

Spread

-0.418%Below

Fees

$2,789Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing—

Pull Through

Sound

Volume14

Mix1.2%

Spread

-0.541%Below

Fees

$1,757Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Strong	Sound	960	79.9%	-0.017%Below	$1,587Fees
Refinance	Strong	Strong	Strong	Strong	241	20.1%	+0.101%Above	$1,165Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Sound

Volume960

Mix79.9%

Spread

-0.017%Below

Fees

$1,587Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume241

Mix20.1%

Spread

+0.101%Above

Fees

$1,165Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

1,201

Applications

1,989

Volume

$353 million

Pricing & Closing

Avg Rate Spread

+0.006%

vs. market APOR

Avg Net Fees

$1,503

Origination − Credits

Pullthrough Rate

60.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$294,567

Avg Borrower Income

$134,082

Avg Property Value

$409,105

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

4Full-year 2024 · HMDA

Loans originated

< 1010–200200+None

Midwest2

MNWI

South1

West1

Top Metro Areas by Place Specialization Score

Minneapolis, MN-WIMetro

Volume 908Mix 75.60% of portfolio

89/100

Exceptional

Kenosha, WIMetro

Volume 50Mix 4.16% of portfolio

75/100

Strong

Racine, WIMetro

Volume 36Mix 3.00% of portfolio

63/100

Strong

Milwaukee, WIMetro

Volume 54Mix 4.50% of portfolio

61/100

Strong

St. Cloud, MNMetro

Volume 16Mix 1.33% of portfolio

49/100

Sound

Duluth, MN, MN-WIMetro

Volume 11Mix 0.92% of portfolio

42/100

Sound

Top States by Place Specialization Score

MinnesotaState

Volume 1,006Mix 83.76% of portfolio

89/100

Exceptional

WisconsinState

Volume 178Mix 14.82% of portfolio

71/100

Strong

FloridaState

Volume 14Mix 1.17% of portfolio

35/100

Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.