Alliant Mortgage Rates, Fees & Info
Dubuque, IALEI: 549300IFAGUDY5MUY541
Tax ID: 42-0329305
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Mortgage Data
Review & Overview
Alliant is a smaller mortgage company specializing in Refi and Cash Out Refi loans. Alliant has a high proportion of conventional loans. Their top markets by origination volume include: Dubuque, Cedar Rapids, Madison, Burlington, and Mason City among others. We have data for 23 markets. (Some data included below & more in-depth data is available with an active subscription.)Alliant has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
148Origination Dollar Volume (All Markets)
$21,070,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| DUBUQUE, IA (FHA|USDA|VA) | 36 | $5,070,000 | $140,833 | $0 | 0.00% |
| Outside of Metro Areas | 31 | $4,685,000 | $151,129 | $0 | 0.00% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 38 | $4,630,000 | $121,842 | $0 | 0.00% |
| MADISON, WI (FHA|USDA|VA) | 7 | $1,515,000 | $216,429 | $0 | 0.00% |
| Burlington, IA-IL (FHA|USDA|VA) | 8 | $800,000 | $100,000 | $0 | 0.00% |
| Mason City, IA (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $0 | 0.00% |
| IOWA CITY, IA (FHA|USDA|VA) | 4 | $490,000 | $122,500 | $0 | 0.00% |
| Platteville, WI (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $0 | 0.00% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 0.00% |
| Ottumwa, IA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 0.00% |
| Spirit Lake, IA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| Marshalltown, IA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 0.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| Baraboo, WI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| Pella, IA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 0.00% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
| Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 148 | $21,070,000 | $142,365 | $0 | 0.00% |
For 2020, Alliant's most frequently originated type of loan was Conventional, with 148 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Refi | 71 | $10,305,000 | $145,141 | $0 | 0.00% |
| Cash Out Refi | 57 | $7,435,000 | $130,439 | $0 | 0.00% |
| Home Purchase | 20 | $3,330,000 | $166,500 | $0 | 0.00% |
For 2020, Alliant's most frequently cited loan purpose was Refi, with 71 originations. The 2nd most popular reason was Cash Out Refi, with 57 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 148 | $21,070,000 | $142,365 | $0 | 0.00% |
For 2020, Alliant's most frequently cited loan duration was Other, with 148 originations.
Loan Sizing
2020 saw Alliant place emphasis on $100k-200k loans with 61 originations, totaling $8,735,000 in origination value.
Applicant Income
Alliant lent most frequently to those with incomes in the $100k-150k range, with 41 originations. The second most popular income band? $75k-100k, with 36 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 148 | $21,070,000 | $142,365 | $0 | 0.00% |
Alliant lent most frequently to those with DTI ratios of Exempt%, with 148 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.31%
Alliant has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination87.84%
Alliant has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 148 | $21,070,000 | $142,365 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 148 | $21,070,000 | $142,365 |
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| ALLIANT CREDIT UNION | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 5 | 45.5% |
| ALLIANT CREDIT UNION | Conventional home mortgage | Trouble during payment process | 4 | 36.4% |
| ALLIANT CREDIT UNION | Home equity loan or line of credit (HELOC) | Trouble during payment process | 1 | 9.1% |
| ALLIANT CREDIT UNION | Other type of mortgage | Trouble during payment process | 1 | 9.1% |