Alliant Credit Union in California vs the state
28.1%Denial rate+10.64 pts vs state
31.1%Decision denial rate+8.65 pts vs state
60.5%Origination rate+4.26 pts vs state
7.75%Median rate+1.13 pts vs state
0.54Rate spread (pts)+0.27 pts vs state
$208kMedian applicant income
1,937Loans originated
899Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,144 | 1,766 | 33.8% | 10.00% | #53 |
| 2024 | 2,727 | 1,622 | 29.0% | 9.00% | #63 |
| 2025 | 3,204 | 1,937 | 28.1% | 7.75% | #61 |
What Alliant Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Alliant Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 680 | 414 | 192 | 28.2% |
| San Diego County | 313 | 189 | 85 | 27.2% |
| Orange County | 213 | 117 | 71 | 33.3% |
| Riverside County | 198 | 100 | 76 | 38.4% |
| Alameda County | 195 | 109 | 56 | 28.7% |
| Contra Costa County | 178 | 109 | 48 | 27.0% |
| San Bernardino County | 129 | 69 | 49 | 38.0% |
| Santa Clara County | 127 | 79 | 28 | 22.0% |
| Sacramento County | 115 | 76 | 27 | 23.5% |
| San Mateo County | 87 | 45 | 31 | 35.6% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 3,204 applications in 2025, of which 1,937 were originated and 899 denied.
28.1% of all applications, or 31.1% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Alliant Credit Union originated in California in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are Alliant Credit Union's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology