Altura mortgage approval rate & lending review
Altura decided 771 mortgage applications and funded 607 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Altura reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Altura at a glance
Approval is 2.8 points above the 76.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 90% | 248 / 276 | 99% | $455K | 246 |
| Home improvement loans | 51% | 87 / 172 | 100% | $65K | 87 |
| Cash-out refinance | 84% | 136 / 161 | 99% | $265K | 135 |
| Refinance | 85% | 58 / 68 | 100% | $265K | 58 |
| Investment property purchase | 90% | 47 / 52 | 100% | $535K | 47 |
| Investment cash-out refinance | 81% | 21 / 26 | 100% | $215K | 21 |
Altura lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 79% | $295K | 750 | 589 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Altura lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Riverside County, CA | Cash-out refinance | 86% | 141 | 120 |
| Riverside County, CA | Home improvement loans | 51% | 152 | 77 |
The county markets where Altura made the most loans. Each link opens that market with every lender ranked.
Questions about Altura
What is Altura's mortgage approval rate?
Altura approved 79.1% of the 771 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.8 points above the 76.3% national rate for the same mix of loan types.
How often do borrowers take the loan Altura offers?
Borrowers accepted 100% of the loans Altura approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Altura make?
The typical home purchase mortgage loan Altura made was $455K; across all loan types its typical loan ran from $65K to $535K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Altura lend?
Altura decided applications in 10 of the states Fat Boy Data covers, most of them in California, Arizona and Nevada.
Can I apply to Altura directly?
Yes. Altura is a bank or credit union with 24 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Altura's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Altura treats applications, then get a rate quote from the lender.