Lenders › Alliant Credit Union › California
Alliant Credit Union in California
HMDA record for properties in California, calendar year 2024. National record · California overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Alliant Credit Union's 2024 HMDA record for California covers 2,727 applications, 1,622 of them originated, worth $424m.
Its denial rate in the state was 32.1%, above the California rate of 24.8% across all lenders and compared with the lender's national rate of 34.6%.
The median rate spread on its California originations was 1.1 percentage points (state median 0.4).
Applications in the state were down 13% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | Alliant Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 32.1% | 24.8% | 34.6% | 24.3% |
| Median rate spread, pp | 1.1 | 0.4 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 35.0% | 19.9% | 29.5% | 15.6% |
| Average originated loan | $261k | $566k | $276k | $329k |
| Home purchase share | 24.5% | 51.2% | 38.4% | 57.0% |
| FHA-insured share | 0.0% | 11.4% | 0.3% | 13.4% |
| VA-guaranteed share | 0.1% | 4.8% | 1.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 24% (397)Home improvement 13% (211)Refinancing 17% (274)Cash-out refinancing 0% (5)Other purpose 45% (735)
By type
Conventional 100% (1,621)VA 0% (1)
Denial reasons as coded
Share of 791 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 559 | 323 | $84m | 34.5% |
| San Diego County | 237 | 146 | $40m | 26.8% |
| Riverside County | 190 | 107 | $20m | 39.2% |
| Alameda County | 184 | 99 | $37m | 31.8% |
| Orange County | 182 | 96 | $31m | 37.3% |
| Contra Costa County | 136 | 77 | $23m | 40.0% |
| Santa Clara County | 126 | 77 | $30m | 29.4% |
| Sacramento County | 120 | 73 | $18m | 32.1% |
| San Bernardino County | 120 | 71 | $15m | 33.6% |
| San Joaquin County | 100 | 57 | $16m | 31.0% |
| Placer County | 67 | 44 | $11m | 29.0% |
| Ventura County | 63 | 39 | $8.8m | 28.1% |
| Sonoma County | 52 | 38 | $8.8m | 17.0% |
| San Mateo County | 61 | 35 | $13m | 35.1% |
| Solano County | 57 | 35 | $6.9m | 29.4% |
| San Luis Obispo County | 38 | 23 | $4.3m | 30.3% |
| Kern County | 28 | 22 | $4.0m | 18.5% |
| San Francisco County | 34 | 21 | $6.5m | 32.3% |
| Stanislaus County | 35 | 20 | $3.0m | 39.4% |
| Santa Cruz County | 25 | 20 | $6.5m | — |
| Fresno County | 30 | 18 | $3.1m | 30.8% |
| Santa Barbara County | 25 | 18 | $5.3m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Alliant Credit Union originate in California in 2024?
1,622 loans totalling $424m, from 2,727 applications reported for properties in California.
What is Alliant Credit Union's denial rate in California?
32.1% of decided applications in California were denied, against 24.8% for all lenders in the state and 34.6% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which California counties does Alliant Credit Union lend in most?
By originations: Los Angeles County (323), San Diego County (146), Riverside County (107), Alameda County (99), Orange County (96).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in California. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.