TRUE NORTH FEDERAL CREDIT UNION
TRUE NORTH FEDERAL CREDIT UNION received 146 applications in 2025 and made 82 mortgages, in 12 counties across 2 states. The median rate its borrowers got was 7.313% on a median loan of $135,000. Of 146 decisions, 46 were denials — 31.5%, most often for credit history.
| Legal Entity Identifier | 549300QWJ0FR6RCHNK90 |
|---|---|
| Applications received | 146 |
| Mortgages made | 82 |
| Denied | 46 |
| Approved, not taken up | 18 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.468 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 | 39 | 6.500% | $315,000 | 10.0% |
| Refinancing | 2 | Under 10 loans | Under 10 loans | 72.2% |
| Cash-out refinancing | 34 | 7.750% | $80,000 | 35.4% |
| Other purposes | 7 | Under 10 loans | Under 10 loans | 38.5% |
Where TRUE NORTH FEDERAL CREDIT UNION lends most
The 12 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Juneau City and Borough, AK | 60 | 7.063% | 27.6% |
| Anchorage Municipality, AK | 13 | 7.750% | 28.0% |
| Fairbanks North Star Borough, AK | 2 | Under 10 loans | 0.0% |
| Haines Borough, AK | 1 | Under 10 loans | 66.7% |
| Kenai Peninsula Borough, AK | 1 | Under 10 loans | 33.3% |
| Matanuska-Susitna Borough, AK | 1 | Under 10 loans | 71.4% |
| Sitka City and Borough, AK | 1 | Under 10 loans | 0.0% |
| Southeast Fairbanks Census Area, AK | 1 | Under 10 loans | 66.7% |
| Yakutat City and Borough, AK | 1 | Under 10 loans | 0.0% |
| Yakima County, WA | 1 | Under 10 loans | 0.0% |
| Ketchikan Gateway Borough, AK | 0 | Under 10 loans | 100.0% |
| Skagway Municipality, AK | 0 | Under 10 loans | 100.0% |
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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.