ALLTRU FEDERAL CREDIT UNION
ALLTRU FEDERAL CREDIT UNION received 171 applications in 2025 and made 75 mortgages, in 20 counties across 5 states. The median rate its borrowers got was 8.000% on a median loan of $105,000. Of 107 decisions, 32 were denials — 29.9%, most often for other.
| Legal Entity Identifier | 5493003TK1BAOHHL6S92 |
|---|---|
| Applications received | 171 |
| Mortgages made | 75 |
| Denied | 32 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 64 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.899 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 20 | 6.438% | $270,000 | 4.8% |
| Refinancing | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Other purposes | 39 | 9.240% | $45,000 | 37.1% |
Where ALLTRU FEDERAL CREDIT UNION lends most
The 20 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| St. Charles County, MO | 25 | 7.240% | 28.6% |
| St. Louis County, MO | 24 | 8.933% | 31.4% |
| Lincoln County, MO | 7 | Under 10 loans | 12.5% |
| Warren County, MO | 7 | Under 10 loans | 12.5% |
| Franklin County, MO | 2 | Under 10 loans | 0.0% |
| Baldwin County, AL | 1 | Under 10 loans | 0.0% |
| Pima County, AZ | 1 | Under 10 loans | 0.0% |
| Madison County, IL | 1 | Under 10 loans | 0.0% |
| Cape Girardeau County, MO | 1 | Under 10 loans | 0.0% |
| Gasconade County, MO | 1 | Under 10 loans | 0.0% |
| Jackson County, MO | 1 | Under 10 loans | 0.0% |
| Jefferson County, MO | 1 | Under 10 loans | 0.0% |
| Randolph County, MO | 1 | Under 10 loans | 0.0% |
| St. Louis city, MO | 1 | Under 10 loans | 83.3% |
| Travis County, TX | 1 | Under 10 loans | 0.0% |
| Jefferson County, IL | 0 | Under 10 loans | 100.0% |
| St. Clair County, IL | 0 | Under 10 loans | 100.0% |
| Williamson County, IL | 0 | Under 10 loans | 100.0% |
| Cole County, MO | 0 | Under 10 loans | Not published |
| Monroe County, MO | 0 | Under 10 loans | 100.0% |
Get told when this changes
When ALLTRU FEDERAL CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.