Alltru 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 F 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%
8th29.9% deniedPricingmedian rate spread over APOR, weight 30%
2nd1.90 ptsProcesswithdrawn + incomplete share, weight 15%
2nd37.8%Closing coststotal loan costs ÷ loan amount, weight 10%
62nd1.61% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 195 | 112 | 11.8% | 16.9% | 7.99% | $8.3M |
| 2024 | 126 | 65 | 10.3% | 16.7% | 8.24% | $6.6M |
| 2025 | 172 | 75 | 18.6% | 29.9% | 8.00% | $11M |
What Alltru 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: 0 home-equity lines, 0 reverse mortgages, 20 manufactured homes, 3 investment properties.
Why Alltru Federal Credit Union denies applications
Primary reason reported for each of the 32 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Alltru 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 | 23 | 5 | 73.7% |
| $50k – $100k | 64 | 28 | 26.3% |
| $100k – $150k | 38 | 22 | 21.4% |
| $150k – $250k | 41 | 20 | 4.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 29 | 12 | 25.0% |
| 35–44 | 37 | 16 | 40.7% |
| 45–54 | 40 | 15 | 31.8% |
| 55–64 | 41 | 21 | 22.2% |
Where Alltru Federal Credit Union lends
6 states and 20 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Missouri | 164 | 71 | 17.7% | 8.00% | #209 |
Frequently asked questions
Alltru Federal Credit Union denied 29.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 8th percentile of small mortgage lenders.
The most common reason Alltru Federal Credit Union gave in 2025 was "other", cited on 35.5% 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 Alltru Federal Credit Union originated in 2025 was 8.00%, and its median rate spread over the average prime offer rate was 1.90 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 21% of its applications were for home purchases, 27% for refinancing (including cash-out), and 52% for home improvement or other purposes. By loan type: 98% conventional, 0% FHA, 2% 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.