TrueCore Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
49th9.9% deniedPricingmedian rate spread over APOR, weight 30%
17th0.77 ptsProcesswithdrawn + incomplete share, weight 15%
71st7.1%Closing coststotal loan costs ÷ loan amount, weight 10%
10th3.78% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 216 | 143 | 15.7% | 18.8% | 7.25% | $14M |
| 2024 | 190 | 135 | 19.5% | 21.3% | 7.50% | $93M |
| 2025 | 184 | 150 | 9.2% | 9.9% | 7.25% | $18M |
What TrueCore Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 65 home-equity lines, 0 reverse mortgages, 12 manufactured homes, 1 investment properties.
Why TrueCore Federal Credit Union denies applications
Primary reason reported for each of the 17 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at TrueCore Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 28 | 21 | 19.2% |
| $50k – $100k | 76 | 63 | 9.9% |
| $100k – $150k | 45 | 42 | 4.6% |
| $150k – $250k | 23 | 19 | 9.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 23 | 19 | 4.8% |
| 35–44 | 33 | 26 | 13.3% |
| 45–54 | 47 | 37 | 11.6% |
| 55–64 | 34 | 29 | 9.1% |
| 65–74 | 32 | 27 | 9.7% |
Where TrueCore Federal Credit Union lends
1 states and 8 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Ohio | 184 | 150 | 9.2% | 7.25% | #248 |
Frequently asked questions
TrueCore Federal Credit Union denied 9.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 49th percentile of small mortgage lenders.
The most common reason TrueCore Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 41.2% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans TrueCore Federal Credit Union originated in 2025 was 7.25%, and its median rate spread over the average prime offer rate was 0.77 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 11% of its applications were for home purchases, 1% for refinancing (including cash-out), and 88% for home improvement or other purposes. By loan type: 99% conventional, 1% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.