Alliant Credit Union in Utah vs the state
23.9%Denial rate+7.95 pts vs state
26.6%Decision denial rate+7.41 pts vs state
64.7%Origination rate+1.41 pts vs state
7.75%Median rate+1.13 pts vs state
0.59Rate spread (pts)+0.35 pts vs state
$212kMedian applicant income
192Loans originated
71Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 165 | 100 | 32.7% | 9.50% | #100 |
| 2024 | 218 | 139 | 24.3% | 9.25% | #91 |
| 2025 | 297 | 192 | 23.9% | 7.75% | #80 |
What Alliant Credit Union lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Alliant Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 125 | 83 | 27 | 21.6% |
| Utah County | 76 | 54 | 15 | 19.7% |
| Washington County | 23 | 14 | 4 | 17.4% |
| Davis County | 17 | 12 | 4 | 23.5% |
| Weber County | 12 | 9 | 3 | 25.0% |
| Summit County | 9 | 4 | 3 | 33.3% |
| Wasatch County | 6 | 3 | 3 | 50.0% |
| Cache County | 6 | 4 | 2 | 33.3% |
| Iron County | 5 | 2 | 3 | 60.0% |
| Box Elder County | 4 | 0 | 2 | 50.0% |
Other large lenders in Utah
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | C | 16,303 | 18.3% | 6.99% |
| Mountain America Federal Credit Union | D | 15,401 | 36.5% | 7.24% |
| United Shore Financial Services | B | 11,325 | 8.5% | 6.25% |
| Rocket Mortgage | C | 6,276 | 14.6% | 6.63% |
| Guild Mortgage | A | 5,427 | 1.5% | 6.50% |
| Intercap Lending | A | 4,881 | 0.7% | 6.50% |
| Goldenwest | B | 4,794 | 17.6% | 7.50% |
| First Colony Mortgage | A | 3,499 | 2.1% | 6.38% |
| Kind Lending | C | 3,227 | 20.3% | 6.50% |
| Zions Bancorporation | B | 3,013 | 22.9% | 6.49% |
Frequently asked questions
Utah: 297 applications in 2025, of which 192 were originated and 71 denied.
23.9% of all applications, or 26.6% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Alliant Credit Union originated in Utah 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 Utah, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology