Alliant Credit Union Mortgage Rates, Fees & Info

Chicago, IL

LEI: 549300T94GSH3C4U5M59

Tax ID: 36-6066772

1 stars - out of 5 stars, based on 84 reviews

2020 Data | 2019 Data | 2018 Data


Overview

Alliant Credit Union is a small credit union specializing in Home Purchase and Refi loans. Alliant Credit Union has a high proportion of conventional loans. Their top markets include Chicago, Oakland, Los Angeles, Denver, and Seattle among others. They have an average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Alliant Credit Union is typically an average fee lendor.


Originations

7,107

Origination Dollar Volume (All Markets)

$1,735,375,000

Awards

ALLIANT CREDIT UNION 30 Year Conventional Loans bronze
Show all (1) awards

Relative Rate

Alliant Credit Union's average 30 year fixed rate mortgage of loans were 4.99%.

The 2020 average 30 year fixed rate mortgage across all markets of loans were 3.36%.

This yields a difference of 1.63%.

Relative Fees

Alliant Credit Union's average total fees for a 30 year fixed rate mortgage are $4,438.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
CHICAGO-NAPERVILLE-EVANSTON, IL (FHA|USDA|VA) 678 $202,940,000 $299,322 $3,993 4.00%
OAKLAND-BERKELEY-LIVERMORE, CA (FHA|USDA|VA) 375 $110,155,000 $293,747 $4,341 4.66%
LOS ANGELES-LONG BEACH-GLENDALE, CA (FHA|USDA|VA) 392 $102,860,000 $262,398 $4,640 4.97%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 360 $90,300,000 $250,833 $4,000 4.00%
SEATTLE-BELLEVUE-KENT, WA (FHA|USDA|VA) 271 $83,765,000 $309,096 $5,073 5.18%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 296 $71,370,000 $241,115 $4,228 4.81%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA (FHA|USDA|VA) 165 $61,285,000 $371,424 $4,350 4.42%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 219 $58,515,000 $267,192 $4,178 5.33%
ANAHEIM-SANTA ANA-IRVINE, CA (FHA|USDA|VA) 214 $54,590,000 $255,093 $4,138 4.95%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 152 $49,030,000 $322,566 $4,506 4.77%
Outside of Metro Areas 225 $46,675,000 $207,444 $4,430 4.26%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 165 $43,565,000 $264,030 $3,767 4.95%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 176 $36,540,000 $207,614 $4,192 5.15%
MIAMI-MIAMI BEACH-KENDALL, FL (FHA|USDA|VA) 303 $34,425,000 $113,614 $5,615 5.98%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 206 $33,200,000 $161,165 $4,225 5.40%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV (FHA|USDA|VA) 101 $31,555,000 $312,426 $4,251 3.77%
LAREDO, TX (FHA|USDA|VA) 1 $30,005,000 $30,005,000 $0 3.50%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL (FHA|USDA|VA) 209 $28,585,000 $136,770 $4,327 5.75%
LAKE COUNTY-KENOSHA COUNTY, IL-WI (FHA|USDA|VA) 90 $24,780,000 $275,333 $4,230 4.09%
WARREN-TROY-FARMINGTON HILLS, MI (FHA|USDA|VA) 29 $19,475,000 $671,552 $4,513 4.40%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ (FHA|USDA|VA) 76 $19,150,000 $251,974 $6,380 4.57%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 64 $18,870,000 $294,844 $4,216 4.36%
STOCKTON, CA (FHA|USDA|VA) 77 $15,525,000 $201,623 $4,679 5.22%
DALLAS-PLANO-IRVING, TX (FHA|USDA|VA) 18 $15,490,000 $860,556 $5,339 3.24%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 62 $15,130,000 $244,032 $5,757 5.05%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 66 $14,370,000 $217,727 $4,338 4.40%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 87 $13,485,000 $155,000 $4,527 5.20%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 45 $12,945,000 $287,667 $5,240 3.09%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 82 $12,600,000 $153,659 $4,966 5.26%
SAN RAFAEL, CA (FHA|USDA|VA) 41 $12,505,000 $305,000 $4,323 4.80%
ELGIN, IL (FHA|USDA|VA) 61 $11,895,000 $195,000 $3,385 3.99%
NEWARK, NJ-PA (FHA|USDA|VA) 51 $11,575,000 $226,961 $5,466 4.63%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL (FHA|USDA|VA) 76 $11,440,000 $150,526 $5,071 5.65%
NEW BRUNSWICK-LAKEWOOD, NJ (FHA|USDA|VA) 51 $10,425,000 $204,412 $4,275 4.63%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 48 $9,390,000 $195,625 $4,267 3.96%
VALLEJO, CA (FHA|USDA|VA) 56 $9,270,000 $165,536 $5,488 5.18%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 41 $9,165,000 $223,537 $4,794 4.84%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 30 $9,150,000 $305,000 $5,236 4.91%
PROVO-OREM, UT (FHA|USDA|VA) 43 $8,965,000 $208,488 $4,534 5.21%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA (FHA|USDA|VA) 48 $7,800,000 $162,500 $5,405 5.14%
SALT LAKE CITY, UT (FHA|USDA|VA) 41 $7,235,000 $176,463 $2,988 5.13%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 15 $6,905,000 $460,333 $6,202 3.15%
RALEIGH-CARY, NC (FHA|USDA|VA) 21 $6,785,000 $323,095 $4,361 3.50%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 31 $6,675,000 $215,323 $3,777 3.90%
BOULDER, CO (FHA|USDA|VA) 29 $6,625,000 $228,448 $3,822 4.16%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 28 $5,600,000 $200,000 $4,098 4.52%
COLORADO SPRINGS, CO (FHA|USDA|VA) 28 $5,220,000 $186,429 $3,768 4.52%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 27 $5,075,000 $187,963 $2,676 5.34%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $5,005,000 $5,005,000 $0 3.50%
COLUMBUS, OH (FHA|USDA|VA) 22 $4,950,000 $225,000 $4,559 4.44%
NORTH PORT-SARASOTA-BRADENTON, FL (FHA|USDA|VA) 27 $4,935,000 $182,778 $4,241 5.34%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 28 $4,910,000 $175,357 $3,241 3.91%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA (FHA|USDA|VA) 16 $4,740,000 $296,250 $4,760 4.10%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 26 $4,660,000 $179,231 $5,332 5.64%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 20 $4,450,000 $222,500 $5,050 5.79%
BOISE CITY, ID (FHA|USDA|VA) 9 $4,435,000 $492,778 $5,498 3.72%
TACOMA-LAKEWOOD, WA (FHA|USDA|VA) 23 $4,415,000 $191,957 $5,244 4.73%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 23 $4,385,000 $190,652 $5,455 5.85%
TUCSON, AZ (FHA|USDA|VA) 24 $3,940,000 $164,167 $3,808 4.49%
NAPA, CA (FHA|USDA|VA) 13 $3,935,000 $302,692 $4,468 4.68%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 15 $3,805,000 $253,667 $3,410 3.33%
BOSTON, MA (FHA|USDA|VA) 15 $3,755,000 $250,333 $5,567 3.85%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 18 $3,580,000 $198,889 $5,283 4.93%
GREELEY, CO (FHA|USDA|VA) 16 $3,430,000 $214,375 $3,804 3.91%
FORT COLLINS, CO (FHA|USDA|VA) 19 $3,355,000 $176,579 $3,965 4.56%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 14 $3,270,000 $233,571 $4,701 4.93%
CAMDEN, NJ (FHA|USDA|VA) 19 $3,185,000 $167,632 $4,759 4.06%
ST. LOUIS, MO-IL (FHA|USDA|VA) 15 $3,125,000 $208,333 $3,720 3.62%
PITTSBURGH, PA (FHA|USDA|VA) 16 $3,120,000 $195,000 $5,194 3.72%
RENO, NV (FHA|USDA|VA) 16 $3,060,000 $191,250 $3,810 4.54%
NASSAU COUNTY-SUFFOLK COUNTY, NY (FHA|USDA|VA) 14 $3,040,000 $217,143 $6,093 4.38%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 9 $2,935,000 $326,111 $4,187 3.15%
RICHMOND, VA (FHA|USDA|VA) 15 $2,855,000 $190,333 $4,381 4.47%
COEUR D'ALENE, ID (FHA|USDA|VA) 6 $2,810,000 $468,333 $4,970 3.17%
URBAN HONOLULU, HI (FHA|USDA|VA) 10 $2,810,000 $281,000 $10,132 3.55%
ALBUQUERQUE, NM (FHA|USDA|VA) 10 $2,750,000 $275,000 $4,316 3.29%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 12 $2,660,000 $221,667 $4,607 3.76%
SALINAS, CA (FHA|USDA|VA) 17 $2,545,000 $149,706 $3,173 5.64%
FORT WORTH-ARLINGTON-GRAPEVINE, TX (FHA|USDA|VA) 9 $2,535,000 $281,667 $5,084 3.13%
FRESNO, CA (FHA|USDA|VA) 15 $2,515,000 $167,667 $3,213 5.45%
BAKERSFIELD, CA (FHA|USDA|VA) 10 $2,450,000 $245,000 $4,710 4.82%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 10 $2,420,000 $242,000 $9,498 4.98%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 18 $2,410,000 $133,889 $4,176 4.93%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 14 $2,220,000 $158,571 $3,243 5.55%
GARY, IN (FHA|USDA|VA) 15 $2,095,000 $139,667 $4,413 4.21%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 11 $2,095,000 $190,455 $5,384 4.13%
JACKSONVILLE, FL (FHA|USDA|VA) 18 $2,060,000 $114,444 $4,389 4.92%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 15 $2,035,000 $135,667 $5,857 4.12%
MODESTO, CA (FHA|USDA|VA) 7 $1,855,000 $265,000 $3,416 4.78%
PORT ST. LUCIE, FL (FHA|USDA|VA) 12 $1,840,000 $153,333 $4,641 5.05%
MADISON, WI (FHA|USDA|VA) 4 $1,740,000 $435,000 $3,878 3.28%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 12 $1,710,000 $142,500 $3,610 4.99%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 8 $1,710,000 $213,750 $8,235 5.38%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 11 $1,675,000 $152,273 $5,233 4.86%
PHILADELPHIA, PA (FHA|USDA|VA) 11 $1,635,000 $148,636 $4,417 5.05%
FLAGSTAFF, AZ (FHA|USDA|VA) 9 $1,595,000 $177,222 $4,309 5.20%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 10 $1,580,000 $158,000 $3,704 4.11%
SAVANNAH, GA (FHA|USDA|VA) 4 $1,520,000 $380,000 $5,428 2.88%
CHICO, CA (FHA|USDA|VA) 11 $1,465,000 $133,182 $0 5.33%
ST. GEORGE, UT (FHA|USDA|VA) 7 $1,405,000 $200,714 $3,068 5.44%
WINCHESTER, VA-WV (FHA|USDA|VA) 6 $1,360,000 $226,667 $3,675 3.73%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 7 $1,355,000 $193,571 $4,482 4.69%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 4 $1,330,000 $332,500 $4,689 3.16%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 11 $1,325,000 $120,455 $3,131 5.73%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 3 $1,315,000 $438,333 $4,966 3.00%
NILES, MI (FHA|USDA|VA) 3 $1,275,000 $425,000 $5,056 3.66%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 4 $1,270,000 $317,500 $8,250 3.78%
BEND, OR (FHA|USDA|VA) 3 $1,265,000 $421,667 $5,147 3.33%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 7 $1,245,000 $177,857 $5,129 4.51%
VISALIA, CA (FHA|USDA|VA) 7 $1,215,000 $173,571 $6,502 4.16%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 5 $1,165,000 $233,000 $4,303 3.70%
OCEAN CITY, NJ (FHA|USDA|VA) 7 $1,145,000 $163,571 $4,241 5.24%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 7 $1,095,000 $156,429 $3,457 4.60%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 8 $1,040,000 $130,000 $5,360 3.33%
KNOXVILLE, TN (FHA|USDA|VA) 4 $1,030,000 $257,500 $4,196 3.31%
DETROIT-DEARBORN-LIVONIA, MI (FHA|USDA|VA) 6 $1,020,000 $170,000 $3,860 4.75%
GAINESVILLE, GA (FHA|USDA|VA) 7 $1,015,000 $145,000 $6,734 5.49%
TOLEDO, OH (FHA|USDA|VA) 5 $1,005,000 $201,000 $4,381 3.15%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $985,000 $328,333 $5,512 3.17%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 11 $985,000 $89,545 $2,943 4.34%
SALISBURY, MD-DE (FHA|USDA|VA) 3 $955,000 $318,333 $4,865 3.33%
GRAND JUNCTION, CO (FHA|USDA|VA) 4 $950,000 $237,500 $3,441 4.19%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 6 $950,000 $158,333 $4,830 3.89%
KANSAS CITY, MO-KS (FHA|USDA|VA) 5 $935,000 $187,000 $3,314 4.48%
SALEM, OR (FHA|USDA|VA) 3 $905,000 $301,667 $4,666 3.04%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 4 $890,000 $222,500 $3,981 3.90%
BAY CITY, MI (FHA|USDA|VA) 5 $885,000 $177,000 $3,489 3.05%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 2 $880,000 $440,000 $3,823 3.19%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 6 $870,000 $145,000 $4,029 4.68%
REDDING, CA (FHA|USDA|VA) 3 $865,000 $288,333 $3,635 4.21%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 4 $800,000 $200,000 $4,228 3.28%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 5 $795,000 $159,000 $3,028 4.27%
SEBASTIAN-VERO BEACH, FL (FHA|USDA|VA) 6 $790,000 $131,667 $4,510 5.26%
WENATCHEE, WA (FHA|USDA|VA) 3 $765,000 $255,000 $0 6.57%
ROCKFORD, IL (FHA|USDA|VA) 5 $765,000 $153,000 $4,025 3.53%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 7 $725,000 $103,571 $3,981 4.25%
PUEBLO, CO (FHA|USDA|VA) 4 $710,000 $177,500 $5,944 3.75%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $675,000 $225,000 $5,653 3.13%
WORCESTER, MA-CT (FHA|USDA|VA) 5 $665,000 $133,000 $4,014 4.27%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH (FHA|USDA|VA) 2 $660,000 $330,000 $3,935 3.31%
WINSTON-SALEM, NC (FHA|USDA|VA) 7 $655,000 $93,571 $3,130 3.84%
WACO, TX (FHA|USDA|VA) 2 $650,000 $325,000 $5,801 2.88%
YUBA CITY, CA (FHA|USDA|VA) 4 $650,000 $162,500 $2,958 3.81%
ANCHORAGE, AK (FHA|USDA|VA) 2 $630,000 $315,000 $3,363 3.06%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 4 $630,000 $157,500 $3,213 3.31%
DAYTON-KETTERING, OH (FHA|USDA|VA) 5 $625,000 $125,000 $3,694 3.78%
WALLA WALLA, WA (FHA|USDA|VA) 2 $620,000 $310,000 $4,168 4.43%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $615,000 $615,000 $2,884 2.75%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 4 $610,000 $152,500 $3,150 4.06%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $545,000 $545,000 $8,947 2.50%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $535,000 $535,000 $4,938 3.00%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $535,000 $178,333 $0 4.08%
ANN ARBOR, MI (FHA|USDA|VA) 3 $525,000 $175,000 $5,107 3.13%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 3 $505,000 $168,333 $5,352 5.29%
CARBONDALE-MARION, IL (FHA|USDA|VA) 3 $495,000 $165,000 $3,476 2.75%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $490,000 $245,000 $3,975 2.94%
JACKSON, MS (FHA|USDA|VA) 2 $480,000 $240,000 $3,668 3.19%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $465,000 $465,000 $3,248 3.00%
TALLAHASSEE, FL (FHA|USDA|VA) 3 $455,000 $151,667 $3,967 4.12%
OCALA, FL (FHA|USDA|VA) 4 $440,000 $110,000 $4,213 3.59%
OKLAHOMA CITY, OK (FHA|USDA|VA) 3 $435,000 $145,000 $4,508 2.92%
WICHITA, KS (FHA|USDA|VA) 2 $430,000 $215,000 $3,232 3.19%
BELLINGHAM, WA (FHA|USDA|VA) 4 $430,000 $107,500 $0 4.93%
WILMINGTON, DE-MD-NJ (FHA|USDA|VA) 1 $425,000 $425,000 $5,741 3.75%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 3 $425,000 $141,667 $3,721 3.50%
TULSA, OK (FHA|USDA|VA) 3 $425,000 $141,667 $5,746 3.00%
DOVER, DE (FHA|USDA|VA) 1 $415,000 $415,000 $3,880 2.50%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $410,000 $205,000 $3,389 3.50%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $410,000 $205,000 $0 5.00%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 4 $400,000 $100,000 $3,619 4.84%
YAKIMA, WA (FHA|USDA|VA) 4 $390,000 $97,500 $0 5.49%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $370,000 $185,000 $4,415 4.38%
FLINT, MI (FHA|USDA|VA) 3 $365,000 $121,667 $4,285 3.96%
CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $350,000 $175,000 $3,582 3.31%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $350,000 $175,000 $2,992 3.50%
AKRON, OH (FHA|USDA|VA) 3 $345,000 $115,000 $0 5.49%
THE VILLAGES, FL (FHA|USDA|VA) 3 $345,000 $115,000 $3,100 3.79%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 3 $345,000 $115,000 $3,737 4.04%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 2 $340,000 $170,000 $6,585 3.19%
ROANOKE, VA (FHA|USDA|VA) 2 $330,000 $165,000 $4,283 3.88%
LANCASTER, PA (FHA|USDA|VA) 7 $305,000 $43,571 $0 4.39%
BLOOMINGTON, IL (FHA|USDA|VA) 2 $300,000 $150,000 $2,974 3.50%
RACINE, WI (FHA|USDA|VA) 3 $295,000 $98,333 $3,081 3.79%
SPARTANBURG, SC (FHA|USDA|VA) 1 $295,000 $295,000 $3,573 3.50%
CORVALLIS, OR (FHA|USDA|VA) 1 $285,000 $285,000 $3,709 2.75%
ROCHESTER, NY (FHA|USDA|VA) 1 $285,000 $285,000 $5,135 3.13%
READING, PA (FHA|USDA|VA) 1 $285,000 $285,000 $0 6.49%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $280,000 $140,000 $3,367 3.13%
YORK-HANOVER, PA (FHA|USDA|VA) 2 $270,000 $135,000 $6,398 3.25%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $265,000 $265,000 $2,950 3.50%
GAINESVILLE, FL (FHA|USDA|VA) 1 $265,000 $265,000 $4,324 2.88%
ASHEVILLE, NC (FHA|USDA|VA) 3 $265,000 $88,333 $0 4.00%
ABILENE, TX (FHA|USDA|VA) 1 $255,000 $255,000 $4,269 3.25%
LEBANON, PA (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.00%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $255,000 $255,000 $4,903 3.00%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $235,000 $235,000 $0 3.63%
BILLINGS, MT (FHA|USDA|VA) 1 $235,000 $235,000 $4,588 3.63%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $235,000 $78,333 $2,978 4.16%
MONTGOMERY, AL (FHA|USDA|VA) 1 $235,000 $235,000 $3,050 2.50%
COLUMBIA, SC (FHA|USDA|VA) 1 $225,000 $225,000 $4,421 4.38%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $225,000 $225,000 $4,096 3.00%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $225,000 $225,000 $2,808 2.63%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $210,000 $105,000 $5,774 3.00%
MOBILE, AL (FHA|USDA|VA) 1 $205,000 $205,000 $5,077 2.63%
LINCOLN, NE (FHA|USDA|VA) 1 $205,000 $205,000 $3,186 2.88%
FORT WAYNE, IN (FHA|USDA|VA) 1 $195,000 $195,000 $3,315 3.38%
KANKAKEE, IL (FHA|USDA|VA) 2 $190,000 $95,000 $2,961 3.25%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $185,000 $185,000 $6,661 3.25%
BRUNSWICK, GA (FHA|USDA|VA) 1 $185,000 $185,000 $0 5.99%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $185,000 $185,000 $3,300 3.00%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 2 $170,000 $85,000 $3,947 4.44%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $165,000 $165,000 $5,190 2.63%
AMARILLO, TX (FHA|USDA|VA) 1 $165,000 $165,000 $5,886 3.75%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 2 $160,000 $80,000 $0 3.75%
BATON ROUGE, LA (FHA|USDA|VA) 1 $155,000 $155,000 $4,943 2.88%
MERCED, CA (FHA|USDA|VA) 1 $155,000 $155,000 $3,813 2.63%
MORRISTOWN, TN (FHA|USDA|VA) 1 $155,000 $155,000 $3,734 3.38%
HARRISONBURG, VA (FHA|USDA|VA) 1 $155,000 $155,000 $2,559 3.50%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 2 $150,000 $75,000 $0 4.00%
BINGHAMTON, NY (FHA|USDA|VA) 1 $145,000 $145,000 $5,302 2.88%
DANVILLE, IL (FHA|USDA|VA) 1 $145,000 $145,000 $4,801 2.50%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $135,000 $135,000 $3,441 3.00%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $135,000 $135,000 $4,546 2.50%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.00%
SANTA FE, NM (FHA|USDA|VA) 2 $130,000 $65,000 $0 4.00%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $130,000 $65,000 $2,403 3.31%
LAFAYETTE, LA (FHA|USDA|VA) 1 $125,000 $125,000 $4,237 2.63%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.00%
PEORIA, IL (FHA|USDA|VA) 2 $120,000 $60,000 $2,654 4.56%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $115,000 $115,000 $2,698 2.75%
DALTON, GA (FHA|USDA|VA) 1 $115,000 $115,000 $3,435 2.75%
PANAMA CITY, FL (FHA|USDA|VA) 1 $115,000 $115,000 $0 5.24%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $115,000 $115,000 $4,268 2.50%
LOGAN, UT-ID (FHA|USDA|VA) 1 $115,000 $115,000 $0 6.49%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.00%
COLUMBIA, MO (FHA|USDA|VA) 1 $105,000 $105,000 $3,527 2.63%
JOHNSON CITY, TN (FHA|USDA|VA) 2 $100,000 $50,000 $0 4.00%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 2 $100,000 $50,000 $0 4.75%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $85,000 $85,000 $3,449 2.88%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 3 $75,000 $25,000 $0 4.41%
PITTSFIELD, MA (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.00%
ROCHESTER, MN (FHA|USDA|VA) 2 $70,000 $35,000 $0 4.00%
Outside of Metro Areas 1 $65,000 $65,000 $0 6.49%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.50%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.00%
JACKSON, MI (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.00%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $25,000 $25,000 $0 4.00%
GETTYSBURG, PA (FHA|USDA|VA) 1 $15,000 $15,000 $0 5.75%
OWENSBORO, KY (FHA|USDA|VA) 1 $15,000 $15,000 $0 4.00%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $15,000 $15,000 $0 5.40%
MANSFIELD, OH (FHA|USDA|VA) 1 $15,000 $15,000 $0 5.75%
MONROE, MI (FHA|USDA|VA) 1 $15,000 $15,000 $0 4.00%

Alliant Credit Union's top markets include Chicago, Oakland, Los Angeles, Denver, and Seattle among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 7,107 $1,735,375,000 $244,178 $4,354 4.69%

For the 2020 period, Alliant Credit Union's most frequently originated loan type of loans were Conventional, with 7,107 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 3,068 $723,350,000 $235,772 $5,333 5.47%
Refi 2,020 $666,420,000 $329,911 $3,965 3.87%
Home Improvement 978 $104,760,000 $107,117 $4,165 4.28%
Other 678 $103,400,000 $152,507 $3,841 4.94%
Cash Out Refi 363 $137,445,000 $378,636 $4,115 3.28%

For the 2020, Alliant Credit Union's most frequently cited loan purpose of loans were Home Purchase, with 3,068 originations. The 2nd most popular reason of loans were Refi, with 2,020 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 5,402 $1,295,890,000 $239,891 $4,438 4.99%
15 Year 1,546 $249,350,000 $161,287 $4,102 3.82%
20 Year 90 $22,910,000 $254,556 $4,317 3.08%
Other 46 $75,320,000 $1,637,391 $4,412 3.17%
10 Year 19 $18,085,000 $951,842 $3,883 2.80%
5 Year 4 $73,820,000 $18,455,000 $0 3.64%

For the 2020, Alliant Credit Union's most frequently cited loan length of loans were 30 Year, with 5,402 originations. The 2nd most popular length of loans were 15 Year, with 1,546 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 991 $347,385,000 $350,540
$<1k 376 $208,310,000 $554,016
$2k-3k 291 $87,575,000 $300,945
$3k-4k 206 $70,140,000 $340,485
$5k+ 117 $57,165,000 $488,590

$4,438 of loans were Alliant Credit Union's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 991 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 2,532 $823,700,000 $325,316
6-7% 1,546 $212,430,000 $137,406
5-6% 1,119 $203,945,000 $182,256
4-5% 925 $185,915,000 $200,989
2.5-3% 758 $259,220,000 $341,979
<2.5% 138 $35,650,000 $258,333
7-8% 85 $14,245,000 $167,588
Over 8% 3 $175,000 $58,333

During 2020, Alliant Credit Union's average interest rate of loans were 4.99%, while their most frequently originated rate bucket of loans were 3-4%, with 2,532 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$100,000 or less 2,089 $128,805,000 $61,659 $3,660 5.30%
$200k-400k 2,022 $559,210,000 $276,563 $4,332 4.40%
$100k-200k 1,955 $276,935,000 $141,655 $3,872 4.82%
$400k-600k 665 $319,455,000 $480,383 $4,584 4.09%
$600k-1MM 313 $236,075,000 $754,233 $4,665 3.29%
$1MM+ 63 $214,895,000 $3,411,032 $5,790 3.34%

2020 saw Alliant Credit Union place emphasis on $100,000 or less loans with 2,089 originations, totaling $128,805,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$150k-250k 2,518 $561,750,000 $223,094 $4,522 4.88%
$250k+ 2,030 $610,150,000 $300,567 $4,630 4.94%
$100k-150k 1,338 $242,890,000 $181,532 $4,273 4.48%
$75k-100k 546 $80,820,000 $148,022 $4,245 4.13%
$50k-75k 470 $62,910,000 $133,851 $4,002 4.15%
$50k or less 195 $25,505,000 $130,795 $3,801 4.11%

Alliant Credit Union lent most frequently to those with incomes in the $150k-250k range, with 2,518 originations. The second most popular income band? $250k+, with 2,030 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 1,750 $387,500,000 $221,429 $4,315 4.38%
30-36% 1,354 $303,630,000 $224,247 $4,413 4.81%
<20% 712 $163,470,000 $229,593 $4,348 3.85%
44% 588 $119,530,000 $203,282 $5,049 5.26%
42% 378 $84,020,000 $222,275 $4,052 5.21%
43% 372 $74,750,000 $200,941 $4,249 5.19%
41% 334 $72,650,000 $217,515 $4,492 5.00%
38% 288 $60,650,000 $210,590 $4,262 5.10%
40% 279 $68,935,000 $247,079 $3,985 5.02%
37% 268 $60,740,000 $226,642 $4,373 5.16%
39% 263 $56,455,000 $214,658 $4,800 5.01%
36% 256 $55,980,000 $218,672 $4,754 4.83%
45% 79 $18,195,000 $230,316 $3,986 4.08%
46% 53 $19,805,000 $373,679 $4,171 3.32%
49% 45 $11,555,000 $256,778 $4,296 3.68%
47% 42 $15,260,000 $363,333 $4,006 3.24%
48% 34 $10,140,000 $298,235 $3,900 3.35%
50-60% 3 $915,000 $305,000 $4,160 3.38%

Alliant Credit Union lent most frequently to those with DTI ratios of 20-30%, with 1,750 originations. The next most common DTI ratio? 30-36%, with 1,354 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 5,026 $1,092,760,000 $217,421 $4,272 4.70%
Not provided 1,154 $247,750,000 $214,688 $4,537 4.63%
Asian 582 $151,890,000 $260,979 $4,680 4.83%
Not applicable 9 $151,195,000 $16,799,444 $0 3.67%
Black 216 $40,080,000 $185,556 $4,531 5.04%
Asian Indian 48 $28,310,000 $589,792 $4,435 3.34%
American Indian 27 $9,005,000 $333,519 $4,347 4.45%
Filipino 14 $6,730,000 $480,714 $4,570 3.40%
Native Hawaiian 16 $2,110,000 $131,875 $3,068 5.24%
Chinese 3 $1,635,000 $545,000 $7,280 2.92%
Korean 4 $1,310,000 $327,500 $4,710 2.94%
Japanese 3 $945,000 $315,000 $4,025 2.79%
Vietnamese 2 $860,000 $430,000 $6,682 3.62%
Other Asian 3 $795,000 $265,000 $5,118 2.83%

Approval Rates

Total approvals of all applications
74.84%

Alliant Credit Union has a below average approval rate.

Pick Rate

Approvals leading to origination
76.66%

Alliant Credit Union has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 7,107 $1,735,375,000 $244,178

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Multifamily:Site-Built 9 $151,195,000 $16,799,444
Single Family (1-4 Units):Manufactured 4 $400,000 $100,000
Single Family (1-4 Units):Site-Built 7,094 $1,583,780,000 $223,256

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 2,013 $499,145,000 $247,961 $4,021 5.09%
40-60% 557 $230,755,000 $414,282 $3,951 3.51%
60-80% 942 $483,260,000 $513,015 $4,347 3.20%
80-100% 545 $217,495,000 $399,073 $4,806 3.37%
Under 20% 3,050 $304,720,000 $99,908 $3,621 5.34%