# ALTURA

> **Canonical URL:** https://saferate.com/lenders/altura


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ALTURA is a credit union, headquartered in Riverside, CA, serving borrowers across 5 states, with 130 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 37% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 47% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300TG5MQ8D4SYP955
- **Headquarters:** Riverside, CA
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** AL, AZ, CA, ID, TN
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.5%
- **Brokered/Wholesale:** 0.5%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.042%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,532
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 130
- **Dollar Volume:** $55 million
- **Applications Received:** 183
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $425,692
- **Average Borrower Income:** $201,723
- **Average Property Value:** $696,385

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 37/100 | 126 | +0.022% | $1,546 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 64 loans, Score: 30/100 (Acceptable)
- Refinance: 62 loans, Score: 54/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 30/100 | 66 | $33M | +0.219% | Acceptable 🙂 |
| Refinance | 51/100 | 64 | $22M | -0.109% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 126 | 0.04% | 66/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Riverside | CA | 98 | 72/100 |
| Los Angeles | CA | 13 | 47/100 |

## Where This Lender Ranks

ALTURA appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Riverside for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/riverside/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does ALTURA offer?

ALTURA offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ALTURA offer mortgages?

ALTURA offers mortgages in 5 states: AL, AZ, CA, ID, TN.

### How competitive are ALTURA's mortgage rates?

ALTURA has a pricing score of 63/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.042% above market average.

### What type of lender is ALTURA?

ALTURA is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Riverside, CA.

### What is ALTURA's loan approval success rate?

ALTURA has a pull-through score of 53/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/altura

### How to Cite

> "ALTURA Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/altura

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**[View Interactive Profile →](https://saferate.com/lenders/altura)**