Trumark Financial 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 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
33rd30.4% deniedPricingmedian rate spread over APOR, weight 30%
78th-0.45 ptsProcesswithdrawn + incomplete share, weight 15%
45th13.7%Closing coststotal loan costs ÷ loan amount, weight 10%
53rd3.05% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 4,587 | 2,548 | 25.9% | 31.4% | 7.49% | $408M |
| 2024 | 4,201 | 2,353 | 25.0% | 29.9% | 7.74% | $427M |
| 2025 | 4,418 | 2,569 | 26.2% | 30.4% | 6.74% | $539M |
What Trumark Financial 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: 3,117 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 254 investment properties.
Why Trumark Financial Credit Union denies applications
Primary reason reported for each of the 1,158 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Trumark Financial 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 | 361 | 97 | 67.9% |
| $50k – $100k | 1,093 | 509 | 41.5% |
| $100k – $150k | 1,046 | 590 | 30.4% |
| $150k – $250k | 1,233 | 868 | 18.4% |
| Over $250k | 622 | 452 | 16.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 447 | 280 | 26.2% |
| 35–44 | 1,164 | 690 | 30.4% |
| 45–54 | 1,056 | 622 | 29.6% |
| 55–64 | 968 | 552 | 31.4% |
| 65–74 | 525 | 278 | 32.7% |
| Over 74 | 200 | 98 | 40.0% |
Where Trumark Financial Credit Union lends
11 states and 85 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 3,864 | 2,241 | 26.4% | 6.74% | #29 |
| New Jersey | 397 | 236 | 25.7% | 6.74% | #138 |
| Delaware | 103 | 61 | 23.3% | 6.74% | #82 |
| Florida | 23 | 9 | 34.8% | 6.74% | #742 |
| Maryland | 21 | 17 | 9.5% | 6.13% | #402 |
| Ohio | 5 | 4 | 0.0% | 6.25% | #696 |
Frequently asked questions
Trumark Financial Credit Union denied 30.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 33rd percentile of home-equity (HELOC) lenders.
The most common reason Trumark Financial Credit Union gave in 2025 was "credit history", cited on 52.2% 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 Trumark Financial Credit Union originated in 2025 was 6.74%, and its median rate spread over the average prime offer rate was -0.45 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 14% of its applications were for home purchases, 9% for refinancing (including cash-out), and 77% for home improvement or other purposes. By loan type: 100% conventional, 0% 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.