Altura Credit Union

What their website says about applying

• When you find the perfect home, simply call your Mortgage Loan Officer to complete your application. source
• When you have completed the application, click submit and your information will be reviewed. source

Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.

As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.

• No or thin credit history considered No Co-Signer? No Credit History? No Problem! source
• Membership required Membership eligibility required. source
• Collateral flexible or not always required Borrow without putting up assets. source

Only rules the lender's own pages state. Other requirements may apply.

Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. No service area or borrower-focus eligibility rules were stated on the pages fetched. Terms change — confirm with the lender before applying.

Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.

1. Do you lend where I live, or where my business is?
   Their website does not say which area they serve.
2. How do I become a member, and is there a fee or a minimum deposit?
   Credit unions lend only to their members.
3. Is there a minimum loan amount?
   Their website gives a maximum ($150,000) but no minimum.
4. What is the APR, including fees, on your home mortgages and personal loans?
   Their website does not state an APR. The APR includes fees, so it is the number to compare.
5. Do you offer down-payment help, and is a homebuyer education course required?
   CDFI home loans often come with homebuyer education or down-payment help; their website does not say.
6. What documents will you need from me, and how long does a decision usually take?
   Their website describes some application steps (above); ask for the full document list.

Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.

On file with the NCUA as ALTURA (charter 24969). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.

An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).

Figures from the 5300 Call Report filed by Altura Credit Union (NCUA charter 24969, filed as “ALTURA”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.

Loan mix (balances on 30 Jun 2026)

Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.

Altura Credit Union reported 239 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $84.2M (median loan about $255,000). 74 were home-purchase loans.

Included above: 5 loans on multifamily (5+ unit) properties.

Where the loans were made

Counties with the most 2025 originations, out of 22 counties with at least one; 95% of its 2025 loans were for properties in California:

• Riverside County, CA (188)
• San Bernardino County, CA (16)
• Los Angeles County, CA (11)
• Orange County, CA (5)

Filed under LEI 549300TG5MQ8D4SYP955 as “ALTURA CREDIT UNION”; matched by name, state and city (checked by hand; see the method on our About page).

Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.

For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.

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