Alltru Federal Credit Union in Missouri vs the state
17.7%Denial rate+2.61 pts vs state
29.0%Decision denial rate+10.30 pts vs state
43.3%Origination rate-19.37 pts vs state
8.00%Median rate+1.38 pts vs state
2.00Rate spread (pts)+1.65 pts vs state
$98kMedian applicant income
71Loans originated
29Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 188 | 109 | 11.7% | 7.99% | #164 |
| 2024 | 118 | 62 | 10.2% | 8.12% | #227 |
| 2025 | 164 | 71 | 17.7% | 8.00% | #209 |
What Alltru Federal Credit Union lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Alltru Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Charles County | 68 | 25 | 10 | 14.7% |
| St. Louis County | 50 | 24 | 11 | 22.0% |
| Lincoln County | 17 | 7 | 1 | 5.9% |
| Warren County | 10 | 7 | 1 | 10.0% |
| St. Louis city | 7 | 1 | 5 | 71.4% |
| Gasconade County | 2 | 1 | 0 | 0.0% |
| Cape Girardeau County | 2 | 1 | 0 | 0.0% |
| Franklin County | 2 | 2 | 0 | 0.0% |
| Jefferson County | 2 | 1 | 0 | 0.0% |
| Jackson County | 1 | 1 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 164 applications in 2025, of which 71 were originated and 29 denied.
17.7% of all applications, or 29.0% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Alltru Federal Credit Union originated in Missouri in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Alltru Federal Credit Union's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology