Alliant Credit Union Mortgage Rates, Fees & Info

Chicago, IL

LEI: 549300T94GSH3C4U5M59

Tax ID: 36-6066772

1 stars - Updated: 4/24/24 - out of 5 stars, based on 75 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Alliant Credit Union is a small credit union specializing in Other and Home Purchase loans. Alliant Credit Union has an average proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Chicago, San Francisco, Phoenix, and Miami among others. We have data for 316 markets. (Some data included below & more in-depth data is available with an active subscription.)

Alliant Credit Union has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Alliant Credit Union is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.72% 4/24/24
30 Year Conventional Purchase 6.20% 4/24/24
30 Year Conventional Refi 6.10% 4/24/24
30 Year Cash-out Refi 6.31% 4/24/24
15 Year Conventional Purchase 6.08% 4/24/24
15 Year Conventional Refi 5.90% 4/24/24
15 Year Cash-out Refi 5.90% 4/24/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Alliant Credit Union Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Alliant Credit Union. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

5,682

Origination Dollar Volume (All Markets)

$1,044,980,000

Awards

ALLIANT CREDIT UNION 30 Year Conventional Loans gold ALLIANT CREDIT UNION 30 Year Conventional Loans bronze ALLIANT CREDIT UNION 30 Year Conventional Loans bronze ALLIANT CREDIT UNION 30 Year Conventional Loans bronze
Show all (4) awards

Relative Rate

Alliant Credit Union's average 30 year fixed mortgage rate was 9.71%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 3.23%.

Relative Fees (Closing Costs)

Alliant Credit Union's average total fees/closing costs for a 30 year fixed rate mortgage were $5,708.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

Top 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
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 497 $96,375,000 $193,913 $7,826 9.86%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 478 $89,240,000 $186,695 $6,653 9.07%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 251 $67,475,000 $268,825 $7,167 9.21%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 318 $52,820,000 $166,101 $6,709 9.98%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 338 $51,270,000 $151,686 $7,463 9.70%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 226 $49,560,000 $219,292 $6,535 9.78%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 288 $44,270,000 $153,715 $4,153 9.66%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 228 $40,510,000 $177,675 $3,607 9.45%
JACKSONVILLE, FL (FHA|USDA|VA) 26 $36,680,000 $1,410,769 $7,775 9.31%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 194 $30,960,000 $159,588 $6,197 10.08%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 156 $29,260,000 $187,564 $7,683 10.25%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 204 $28,730,000 $140,833 $10,283 10.28%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 153 $26,475,000 $173,039 $6,323 9.66%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 147 $23,545,000 $160,170 $6,953 10.35%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 72 $23,130,000 $321,250 $6,625 8.95%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 93 $16,355,000 $175,860 $6,074 9.64%
STOCKTON, CA (FHA|USDA|VA) 54 $14,350,000 $265,741 $6,740 9.60%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 79 $12,825,000 $162,342 $6,404 9.53%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 79 $12,445,000 $157,532 $4,174 9.99%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 72 $11,100,000 $154,167 $6,130 10.15%
Outside of Metro Areas 80 $10,530,000 $131,625 $3,881 9.46%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 36 $7,730,000 $214,722 $5,273 9.42%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 39 $7,645,000 $196,026 $5,621 9.74%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 37 $7,135,000 $192,838 $4,544 9.28%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 45 $7,005,000 $155,667 $2,710 10.20%
SALT LAKE CITY, UT (FHA|USDA|VA) 38 $6,450,000 $169,737 $3,347 9.85%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 26 $6,300,000 $242,308 $5,518 8.54%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 14 $5,760,000 $411,429 $5,588 7.78%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 13 $5,615,000 $431,923 $6,574 6.75%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 12 $5,450,000 $454,167 $7,102 6.59%
PROVO-OREM, UT (FHA|USDA|VA) 27 $5,275,000 $195,370 $0 9.23%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 29 $4,675,000 $161,207 $0 10.16%
VALLEJO, CA (FHA|USDA|VA) 32 $4,470,000 $139,688 $0 9.87%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 23 $4,375,000 $190,217 $6,051 10.00%
GREELEY, CO (FHA|USDA|VA) 24 $4,220,000 $175,833 $3,317 9.78%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 22 $4,210,000 $191,364 $12,542 9.79%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 19 $4,035,000 $212,368 $6,649 9.16%
TUCSON, AZ (FHA|USDA|VA) 29 $3,995,000 $137,759 $4,925 9.87%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 13 $3,965,000 $305,000 $5,188 9.60%
RENO, NV (FHA|USDA|VA) 31 $3,795,000 $122,419 $0 10.58%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 18 $3,510,000 $195,000 $4,892 9.07%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 18 $3,300,000 $183,333 $5,184 9.06%
MODESTO, CA (FHA|USDA|VA) 21 $3,105,000 $147,857 $0 10.36%
COLORADO SPRINGS, CO (FHA|USDA|VA) 29 $3,005,000 $103,621 $3,133 10.05%
FRESNO, CA (FHA|USDA|VA) 23 $2,985,000 $129,783 $0 10.37%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 14 $2,970,000 $212,143 $0 9.32%
RALEIGH-CARY, NC (FHA|USDA|VA) 16 $2,780,000 $173,750 $4,722 8.73%
BOULDER, CO (FHA|USDA|VA) 14 $2,760,000 $197,143 $3,668 8.92%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 19 $2,715,000 $142,895 $5,841 9.82%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 21 $2,705,000 $128,810 $3,958 10.07%
NAPA, CA (FHA|USDA|VA) 14 $2,700,000 $192,857 $5,494 10.38%
BAKERSFIELD, CA (FHA|USDA|VA) 22 $2,690,000 $122,273 $0 10.61%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 18 $2,650,000 $147,222 $0 10.23%
COLUMBIA, MO (FHA|USDA|VA) 1 $2,535,000 $2,535,000 $0 5.75%
Breckenridge, CO (FHA|USDA|VA) 7 $2,345,000 $335,000 $3,505 8.27%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 15 $2,285,000 $152,333 $3,224 9.50%
COLUMBUS, OH (FHA|USDA|VA) 17 $2,275,000 $133,824 $3,470 9.81%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 17 $2,235,000 $131,471 $2,955 9.24%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 11 $2,195,000 $199,545 $5,170 9.49%
Truckee-Grass Valley, CA (FHA|USDA|VA) 11 $2,175,000 $197,727 $0 10.02%
ST. LOUIS, MO-IL (FHA|USDA|VA) 12 $2,070,000 $172,500 $4,093 9.15%
BEND, OR (FHA|USDA|VA) 7 $2,065,000 $295,000 $5,411 8.68%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 15 $2,065,000 $137,667 $0 9.83%
RICHMOND, VA (FHA|USDA|VA) 13 $1,975,000 $151,923 $4,354 9.79%
SALINAS, CA (FHA|USDA|VA) 11 $1,955,000 $177,727 $0 10.41%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 10 $1,950,000 $195,000 $0 10.40%
FORT COLLINS, CO (FHA|USDA|VA) 12 $1,930,000 $160,833 $3,211 9.49%
BELLINGHAM, WA (FHA|USDA|VA) 10 $1,880,000 $188,000 $5,890 10.09%
MEDFORD, OR (FHA|USDA|VA) 8 $1,860,000 $232,500 $0 10.28%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 10 $1,720,000 $172,000 $4,848 8.83%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 16 $1,630,000 $101,875 $6,492 10.02%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 6 $1,610,000 $268,333 $7,752 8.10%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 9 $1,595,000 $177,222 $0 9.64%
PORT ST. LUCIE, FL (FHA|USDA|VA) 9 $1,585,000 $176,111 $6,097 9.62%
ASHEVILLE, NC (FHA|USDA|VA) 5 $1,545,000 $309,000 $6,670 7.95%
Heber, UT (FHA|USDA|VA) 6 $1,480,000 $246,667 $4,492 9.48%
SALEM, OR (FHA|USDA|VA) 13 $1,475,000 $113,462 $0 10.92%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $1,470,000 $245,000 $6,544 8.94%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 10 $1,430,000 $143,000 $3,723 9.72%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 9 $1,425,000 $158,333 $0 10.50%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 8 $1,380,000 $172,500 $0 10.06%
PITTSBURGH, PA (FHA|USDA|VA) 10 $1,350,000 $135,000 $4,657 9.33%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 5 $1,335,000 $267,000 $5,931 7.08%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 12 $1,300,000 $108,333 $0 9.79%
Durango, CO (FHA|USDA|VA) 4 $1,250,000 $312,500 $3,635 9.56%
LONGVIEW, WA (FHA|USDA|VA) 9 $1,195,000 $132,778 $0 10.36%
KANSAS CITY, MO-KS (FHA|USDA|VA) 8 $1,150,000 $143,750 $3,077 8.58%
Key West, FL (FHA|USDA|VA) 6 $1,150,000 $191,667 $0 9.17%
BRUNSWICK, GA (FHA|USDA|VA) 6 $1,140,000 $190,000 $0 9.00%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $1,120,000 $560,000 $4,338 6.44%
NILES, MI (FHA|USDA|VA) 4 $1,080,000 $270,000 $3,906 7.78%
Oak Harbor, WA (FHA|USDA|VA) 5 $1,055,000 $211,000 $0 9.65%
SAVANNAH, GA (FHA|USDA|VA) 11 $1,045,000 $95,000 $3,701 10.10%
OCALA, FL (FHA|USDA|VA) 6 $1,020,000 $170,000 $4,353 9.56%
Hailey, ID (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $7,830 5.88%
WALLA WALLA, WA (FHA|USDA|VA) 4 $1,000,000 $250,000 $0 9.25%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 5 $985,000 $197,000 $0 10.30%
WENATCHEE, WA (FHA|USDA|VA) 7 $975,000 $139,286 $0 9.57%
VISALIA, CA (FHA|USDA|VA) 5 $955,000 $191,000 $0 10.80%
LANCASTER, PA (FHA|USDA|VA) 9 $925,000 $102,778 $4,039 9.67%
COLUMBUS, GA-AL (FHA|USDA|VA) 6 $920,000 $153,333 $6,717 9.77%
Eureka-Arcata, CA (FHA|USDA|VA) 8 $920,000 $115,000 $0 10.72%
LOUISVILLE, KY (FHA|USDA|VA) 7 $915,000 $130,714 $3,800 8.91%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 9 $915,000 $101,667 $3,792 10.47%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $905,000 $905,000 $4,625 5.88%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 4 $900,000 $225,000 $0 10.25%
ANN ARBOR, MI (FHA|USDA|VA) 5 $875,000 $175,000 $3,334 8.38%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $875,000 $291,667 $6,672 8.46%
ROCKFORD, IL (FHA|USDA|VA) 6 $840,000 $140,000 $5,852 8.38%
ALBANY-LEBANON, OR (FHA|USDA|VA) 5 $835,000 $167,000 $0 10.90%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 6 $830,000 $138,333 $0 9.33%
MADERA, CA (FHA|USDA|VA) 10 $820,000 $82,000 $0 11.32%
ST. GEORGE, UT (FHA|USDA|VA) 7 $815,000 $116,429 $0 10.18%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $795,000 $265,000 $4,886 6.00%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 3 $795,000 $265,000 $3,821 7.00%
Red Bluff, CA (FHA|USDA|VA) 3 $775,000 $258,333 $5,387 9.50%
CORVALLIS, OR (FHA|USDA|VA) 5 $765,000 $153,000 $0 10.65%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 5 $765,000 $153,000 $3,923 10.98%
Kalispell, MT (FHA|USDA|VA) 7 $755,000 $107,857 $5,424 10.21%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 6 $750,000 $125,000 $0 10.08%
Bozeman, MT (FHA|USDA|VA) 3 $745,000 $248,333 $0 10.50%
Montrose, CO (FHA|USDA|VA) 1 $725,000 $725,000 $17,602 5.50%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 6 $720,000 $120,000 $0 9.83%
KNOXVILLE, TN (FHA|USDA|VA) 5 $695,000 $139,000 $4,139 8.60%
CHICO, CA (FHA|USDA|VA) 5 $685,000 $137,000 $3,954 9.35%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $665,000 $665,000 $4,405 6.38%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 6 $650,000 $108,333 $0 9.92%
ALBUQUERQUE, NM (FHA|USDA|VA) 2 $650,000 $325,000 $3,471 6.25%
YUMA, AZ (FHA|USDA|VA) 8 $630,000 $78,750 $0 11.31%
Port Angeles, WA (FHA|USDA|VA) 6 $620,000 $103,333 $0 10.71%
GAINESVILLE, GA (FHA|USDA|VA) 4 $610,000 $152,500 $0 10.06%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $595,000 $595,000 $6,522 5.50%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 5 $585,000 $117,000 $0 10.35%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 6 $580,000 $96,667 $2,645 8.56%
JACKSON, MI (FHA|USDA|VA) 1 $565,000 $565,000 $4,063 6.75%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 7 $565,000 $80,714 $0 9.53%
Whitewater, WI (FHA|USDA|VA) 3 $555,000 $185,000 $2,876 8.04%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $550,000 $275,000 $3,888 6.50%
WORCESTER, MA-CT (FHA|USDA|VA) 3 $535,000 $178,333 $0 10.42%
Ukiah, CA (FHA|USDA|VA) 5 $535,000 $107,000 $0 10.15%
Fernley, NV (FHA|USDA|VA) 7 $535,000 $76,429 $0 11.46%
URBAN HONOLULU, HI (FHA|USDA|VA) 2 $510,000 $255,000 $0 10.50%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 3 $505,000 $168,333 $0 8.83%
Jefferson, GA (FHA|USDA|VA) 5 $495,000 $99,000 $0 9.65%
GRAND JUNCTION, CO (FHA|USDA|VA) 5 $495,000 $99,000 $0 10.90%
YUBA CITY, CA (FHA|USDA|VA) 6 $480,000 $80,000 $0 10.66%
Show Low, AZ (FHA|USDA|VA) 4 $480,000 $120,000 $0 10.19%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 3 $475,000 $158,333 $4,928 11.46%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $465,000 $465,000 $7,400 6.38%
GRANTS PASS, OR (FHA|USDA|VA) 4 $460,000 $115,000 $0 10.75%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 6 $460,000 $76,667 $0 10.08%
WINCHESTER, VA-WV (FHA|USDA|VA) 4 $450,000 $112,500 $3,979 9.09%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $445,000 $445,000 $5,909 7.63%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 5 $435,000 $87,000 $4,672 8.95%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $430,000 $215,000 $0 10.12%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $425,000 $425,000 $4,002 6.50%
PANAMA CITY, FL (FHA|USDA|VA) 4 $420,000 $105,000 $0 9.62%
MIDLAND, MI (FHA|USDA|VA) 1 $415,000 $415,000 $0 9.50%
Astoria, OR (FHA|USDA|VA) 2 $410,000 $205,000 $0 9.25%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $410,000 $205,000 $5,598 8.44%
AKRON, OH (FHA|USDA|VA) 5 $405,000 $81,000 $4,571 8.65%
Hilo, HI (FHA|USDA|VA) 2 $390,000 $195,000 $3,471 7.75%
GAINESVILLE, FL (FHA|USDA|VA) 4 $390,000 $97,500 $0 9.63%
Prineville, OR (FHA|USDA|VA) 3 $385,000 $128,333 $0 10.00%
MADISON, WI (FHA|USDA|VA) 2 $380,000 $190,000 $4,456 7.31%
YAKIMA, WA (FHA|USDA|VA) 3 $375,000 $125,000 $0 10.08%
TULSA, OK (FHA|USDA|VA) 2 $370,000 $185,000 $4,229 6.75%
REDDING, CA (FHA|USDA|VA) 4 $370,000 $92,500 $0 10.81%
Torrington, CT (FHA|USDA|VA) 4 $360,000 $90,000 $4,636 9.44%
Brevard, NC (FHA|USDA|VA) 1 $355,000 $355,000 $6,392 6.25%
Moses Lake, WA (FHA|USDA|VA) 3 $355,000 $118,333 $0 11.67%
Rutland, VT (FHA|USDA|VA) 1 $355,000 $355,000 $5,011 5.13%
SPRINGFIELD, MA (FHA|USDA|VA) 3 $345,000 $115,000 $3,648 9.04%
CHEYENNE, WY (FHA|USDA|VA) 1 $345,000 $345,000 $3,841 6.00%
Brookings, OR (FHA|USDA|VA) 2 $340,000 $170,000 $5,397 8.50%
GREEN BAY, WI (FHA|USDA|VA) 4 $340,000 $85,000 $0 10.00%
Altus, OK (FHA|USDA|VA) 1 $335,000 $335,000 $4,111 7.63%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $335,000 $335,000 $4,868 6.38%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $335,000 $335,000 $5,247 6.50%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $325,000 $325,000 $3,559 7.75%
Gardnerville Ranchos, NV (FHA|USDA|VA) 4 $320,000 $80,000 $0 10.63%
YORK-HANOVER, PA (FHA|USDA|VA) 4 $320,000 $80,000 $0 10.87%
The Dalles, OR (FHA|USDA|VA) 3 $315,000 $105,000 $0 9.99%
Centralia, WA (FHA|USDA|VA) 4 $310,000 $77,500 $0 11.50%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 4 $310,000 $77,500 $0 10.94%
FLAGSTAFF, AZ (FHA|USDA|VA) 2 $290,000 $145,000 $0 10.63%
PUNTA GORDA, FL (FHA|USDA|VA) 4 $280,000 $70,000 $0 10.94%
DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $280,000 $140,000 $0 9.25%
READING, PA (FHA|USDA|VA) 1 $275,000 $275,000 $4,873 6.88%
BOWLING GREEN, KY (FHA|USDA|VA) 2 $270,000 $135,000 $3,189 8.75%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 2 $270,000 $135,000 $0 9.50%
La Grande, OR (FHA|USDA|VA) 1 $265,000 $265,000 $4,269 6.63%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $255,000 $255,000 $3,894 4.75%
KINGSTON, NY (FHA|USDA|VA) 1 $255,000 $255,000 $0 8.25%
Sonora, CA (FHA|USDA|VA) 2 $250,000 $125,000 $0 9.25%
New Castle, PA (FHA|USDA|VA) 1 $245,000 $245,000 $0 7.50%
EspaƱola, NM (FHA|USDA|VA) 1 $245,000 $245,000 $4,478 7.13%
Selma, AL (FHA|USDA|VA) 1 $245,000 $245,000 $3,066 7.13%
LINCOLN, NE (FHA|USDA|VA) 1 $245,000 $245,000 $3,755 7.13%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $245,000 $245,000 $0 8.50%
LAS CRUCES, NM (FHA|USDA|VA) 1 $235,000 $235,000 $6,191 6.88%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $235,000 $235,000 $4,393 7.25%
Aberdeen, WA (FHA|USDA|VA) 2 $230,000 $115,000 $0 10.87%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $230,000 $115,000 $3,236 7.69%
Roseburg, OR (FHA|USDA|VA) 2 $230,000 $115,000 $0 11.75%
Steamboat Springs, CO (FHA|USDA|VA) 2 $230,000 $115,000 $0 10.38%
MONROE, LA (FHA|USDA|VA) 1 $225,000 $225,000 $4,276 6.63%
Coos Bay, OR (FHA|USDA|VA) 3 $225,000 $75,000 $0 11.00%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 3 $215,000 $71,667 $0 10.42%
Sunbury, PA (FHA|USDA|VA) 1 $215,000 $215,000 $4,126 7.13%
Glenwood Springs, CO (FHA|USDA|VA) 1 $205,000 $205,000 $0 9.74%
WINSTON-SALEM, NC (FHA|USDA|VA) 3 $205,000 $68,333 $0 11.25%
Cullowhee, NC (FHA|USDA|VA) 1 $205,000 $205,000 $0 9.75%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $205,000 $205,000 $3,553 7.25%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $205,000 $205,000 $3,640 6.50%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $195,000 $195,000 $4,261 7.50%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $195,000 $195,000 $0 8.75%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $190,000 $95,000 $0 10.75%
Ellensburg, WA (FHA|USDA|VA) 3 $185,000 $61,667 $0 10.67%
CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $180,000 $90,000 $0 8.44%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $175,000 $175,000 $0 8.00%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 3 $175,000 $58,333 $0 10.42%
WHEELING, WV-OH (FHA|USDA|VA) 1 $175,000 $175,000 $5,669 7.13%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $165,000 $165,000 $3,564 6.88%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $165,000 $165,000 $0 11.25%
LYNCHBURG, VA (FHA|USDA|VA) 1 $165,000 $165,000 $3,650 6.75%
Quincy, IL-MO (FHA|USDA|VA) 1 $155,000 $155,000 $3,019 6.25%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $155,000 $155,000 $0 7.75%
Alamogordo, NM (FHA|USDA|VA) 1 $155,000 $155,000 $3,350 6.13%
Ontario, OR-ID (FHA|USDA|VA) 1 $155,000 $155,000 $0 9.74%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $155,000 $155,000 $0 8.50%
Hood River, OR (FHA|USDA|VA) 1 $155,000 $155,000 $0 10.00%
Sandpoint, ID (FHA|USDA|VA) 1 $155,000 $155,000 $4,427 6.50%
MISSOULA, MT (FHA|USDA|VA) 2 $150,000 $75,000 $0 10.63%
WARNER ROBINS, GA (FHA|USDA|VA) 2 $150,000 $75,000 $0 12.13%
Rochelle, IL (FHA|USDA|VA) 1 $145,000 $145,000 $4,932 6.88%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $145,000 $145,000 $0 10.00%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $135,000 $135,000 $3,334 6.50%
DALTON, GA (FHA|USDA|VA) 2 $130,000 $65,000 $0 10.63%
BLOOMINGTON, IN (FHA|USDA|VA) 2 $130,000 $65,000 $0 9.20%
CaƱon City, CO (FHA|USDA|VA) 2 $130,000 $65,000 $2,808 8.38%
TOLEDO, OH (FHA|USDA|VA) 3 $125,000 $41,667 $0 9.83%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.25%
Crescent City, CA (FHA|USDA|VA) 1 $125,000 $125,000 $0 11.75%
Tiffin, OH (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.00%
EL CENTRO, CA (FHA|USDA|VA) 1 $115,000 $115,000 $0 9.74%
CARBONDALE-MARION, IL (FHA|USDA|VA) 2 $110,000 $55,000 $0 11.50%
FLINT, MI (FHA|USDA|VA) 2 $110,000 $55,000 $0 9.88%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $110,000 $55,000 $0 11.13%
PUEBLO, CO (FHA|USDA|VA) 1 $105,000 $105,000 $0 10.00%
Edwards, CO (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.75%
GREENVILLE, NC (FHA|USDA|VA) 1 $105,000 $105,000 $0 9.00%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $105,000 $105,000 $3,394 6.63%
Danville, VA (FHA|USDA|VA) 1 $105,000 $105,000 $0 9.00%
Warsaw, IN (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.75%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $105,000 $105,000 $0 9.00%
SAGINAW, MI (FHA|USDA|VA) 1 $105,000 $105,000 $0 10.50%
Kendallville, IN (FHA|USDA|VA) 1 $105,000 $105,000 $0 11.75%
Wilmington, OH (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.50%
PEORIA, IL (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.75%
Sanford, NC (FHA|USDA|VA) 1 $105,000 $105,000 $0 9.75%
DECATUR, IL (FHA|USDA|VA) 1 $105,000 $105,000 $3,971 7.63%
Mount Vernon, IL (FHA|USDA|VA) 1 $95,000 $95,000 $3,193 7.00%
Traverse City, MI (FHA|USDA|VA) 1 $95,000 $95,000 $0 11.00%
Clewiston, FL (FHA|USDA|VA) 1 $85,000 $85,000 $0 10.24%
MERCED, CA (FHA|USDA|VA) 1 $85,000 $85,000 $0 12.00%
STAUNTON, VA (FHA|USDA|VA) 1 $85,000 $85,000 $0 12.25%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $75,000 $75,000 $0 12.00%
MORRISTOWN, TN (FHA|USDA|VA) 1 $75,000 $75,000 $0 10.25%
Shelton, WA (FHA|USDA|VA) 1 $75,000 $75,000 $0 12.00%
Ottawa, IL (FHA|USDA|VA) 1 $75,000 $75,000 $0 9.25%
RACINE, WI (FHA|USDA|VA) 1 $75,000 $75,000 $0 9.50%
Mason City, IA (FHA|USDA|VA) 1 $75,000 $75,000 $2,982 6.88%
Elko, NV (FHA|USDA|VA) 1 $75,000 $75,000 $0 10.75%
HINESVILLE, GA (FHA|USDA|VA) 1 $65,000 $65,000 $0 10.75%
HARRISONBURG, VA (FHA|USDA|VA) 1 $65,000 $65,000 $0 10.50%
ST. CLOUD, MN (FHA|USDA|VA) 1 $65,000 $65,000 $0 12.00%
Pontiac, IL (FHA|USDA|VA) 1 $65,000 $65,000 $0 10.24%
Pottsville, PA (FHA|USDA|VA) 1 $65,000 $65,000 $3,750 6.63%
Paducah, KY-IL (FHA|USDA|VA) 1 $55,000 $55,000 $0 10.50%
MOBILE, AL (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.63%
Pullman, WA (FHA|USDA|VA) 1 $55,000 $55,000 $0 12.00%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 12.00%
London, KY (FHA|USDA|VA) 1 $55,000 $55,000 $0 10.75%
LOGAN, UT-ID (FHA|USDA|VA) 1 $55,000 $55,000 $0 9.50%
ROANOKE, VA (FHA|USDA|VA) 1 $55,000 $55,000 $0 12.00%
Lake City, FL (FHA|USDA|VA) 1 $55,000 $55,000 $0 11.00%
Klamath Falls, OR (FHA|USDA|VA) 1 $55,000 $55,000 $0 11.00%
Safford, AZ (FHA|USDA|VA) 1 $55,000 $55,000 $0 10.75%
Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $55,000 $55,000 $0 10.49%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $55,000 $55,000 $0 13.50%
Statesboro, GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 10.75%
Celina, OH (FHA|USDA|VA) 1 $55,000 $55,000 $0 9.50%
VALDOSTA, GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 10.75%
Vernal, UT (FHA|USDA|VA) 1 $55,000 $55,000 $0 12.00%
CARSON CITY, NV (FHA|USDA|VA) 1 $55,000 $55,000 $0 9.49%
Wauchula, FL (FHA|USDA|VA) 1 $55,000 $55,000 $0 12.00%
Wooster, OH (FHA|USDA|VA) 1 $55,000 $55,000 $0 10.24%
Bardstown, KY (FHA|USDA|VA) 1 $55,000 $55,000 $0 9.75%
Ashtabula, OH (FHA|USDA|VA) 1 $55,000 $55,000 $0 10.75%
Alma, MI (FHA|USDA|VA) 1 $55,000 $55,000 $0 10.75%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $45,000 $45,000 $0 9.75%
BURLINGTON, NC (FHA|USDA|VA) 1 $45,000 $45,000 $0 11.00%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $45,000 $45,000 $0 14.75%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $45,000 $45,000 $0 13.00%
Tifton, GA (FHA|USDA|VA) 1 $45,000 $45,000 $0 10.75%
ERIE, PA (FHA|USDA|VA) 2 $40,000 $20,000 $0 10.20%
MONROE, MI (FHA|USDA|VA) 1 $35,000 $35,000 $0 8.00%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $35,000 $35,000 $0 13.25%
KANKAKEE, IL (FHA|USDA|VA) 1 $35,000 $35,000 $0 7.75%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $35,000 $35,000 $0 8.00%
Kirksville, MO (FHA|USDA|VA) 1 $35,000 $35,000 $2,481 7.50%
Pahrump, NV (FHA|USDA|VA) 1 $35,000 $35,000 $0 9.75%
Norwalk, OH (FHA|USDA|VA) 1 $25,000 $25,000 $0 8.75%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $25,000 $25,000 $0 9.75%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $15,000 $15,000 $0 12.25%
Alliant Credit Union's top markets include Los Angeles, Chicago, San Francisco, Phoenix, and Miami among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 5,192 $780,050,000 $150,241 n/a 9.97%
    Conventional 489 $264,615,000 $541,135 $5,656 6.58%
    VA 1 $315,000 $315,000 $2,835 6.00%

    For 2023, Alliant Credit Union's most frequently originated type of loan was HELOC, with 5,192 originations. Their 2nd most popular type was Conventional, with 489 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Other 2,509 $315,905,000 $125,909 $0 10.67%
    Home Purchase 1,724 $484,610,000 $281,096 $5,816 8.43%
    Home Improvement 912 $110,740,000 $121,425 $0 9.50%
    Refi 502 $123,820,000 $246,653 $4,457 9.55%
    Cash Out Refi 35 $9,905,000 $283,000 $4,030 6.73%

    For 2023, Alliant Credit Union's most frequently cited loan purpose was Other, with 2,509 originations. The 2nd most popular reason was Home Purchase, with 1,724 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,634 $997,770,000 $177,098 $5,708 9.71%
    15 Year 32 $9,440,000 $295,000 $4,839 6.14%
    20 Year 9 $2,485,000 $276,111 $5,733 6.49%
    10 Year 5 $745,000 $149,000 $5,037 6.40%
    5 Year 2 $34,540,000 $17,270,000 $0 6.15%

    For 2023, Alliant Credit Union's most frequently cited loan duration was 30 Year, with 5,634 originations. The 2nd most popular length was 15 Year, with 32 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 356 $174,130,000 $489,129
    $2k-3k 50 $19,960,000 $399,200
    $5k+ 28 $17,850,000 $637,500
    $3k-4k 23 $10,065,000 $437,609
    $<1k 13 $3,135,000 $241,154
    $4k-5k 6 $3,340,000 $556,667

    Alliant Credit Union's average total fees were $5,708, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 356 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 4,577 $642,985,000 $140,482
    7-8% 714 $171,830,000 $240,658
    6-7% 290 $159,430,000 $549,759
    5-6% 95 $67,965,000 $715,421
    4-5% 6 $2,770,000 $461,667

    During 2023, Alliant Credit Union's average interest rate for loans was 9.71%, while their most frequently originated rate bucket for loans was Over 8%, with 4,577 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 2,204 $305,930,000 $138,807 $4,186 9.79%
    $100,000 or less 1,794 $115,610,000 $64,443 $3,431 10.56%
    $200k-400k 1,284 $335,560,000 $261,340 $5,139 8.96%
    $400k-600k 268 $125,940,000 $469,925 $5,677 8.01%
    $600k-1MM 72 $55,960,000 $777,222 $7,227 6.48%
    $1MM+ 60 $105,980,000 $1,766,333 $7,706 6.21%

    2023 saw Alliant Credit Union place emphasis on $100k-200k loans with 2,204 originations, totaling $305,930,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 1,927 $512,685,000 $266,053 $6,683 9.11%
    $150k-250k 1,624 $262,240,000 $161,478 $5,956 9.85%
    $100k-150k 1,228 $153,260,000 $124,805 $5,068 10.07%
    $75k-100k 506 $48,940,000 $96,719 $4,754 10.17%
    $50k-75k 331 $28,545,000 $86,239 $4,302 10.09%
    $50k or less 62 $4,490,000 $72,419 $3,815 9.50%

    Alliant Credit Union lent most frequently to those with incomes in the $250k+ range, with 1,927 originations. The second most popular income band? $150k-250k, with 1,624 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    44% 1,166 $182,620,000 $156,621 $7,718 10.24%
    30-36% 885 $155,675,000 $175,904 $5,860 9.59%
    20-30% 783 $144,865,000 $185,013 $5,181 9.23%
    43% 478 $84,820,000 $177,448 $5,981 9.81%
    42% 344 $60,270,000 $175,203 $5,819 9.89%
    41% 339 $58,335,000 $172,080 $5,725 9.83%
    40% 282 $50,920,000 $180,567 $6,061 9.62%
    <20% 274 $52,260,000 $190,730 $4,652 8.77%
    39% 272 $48,140,000 $176,985 $5,132 9.93%
    38% 229 $41,625,000 $181,769 $5,510 9.64%
    36% 229 $43,475,000 $189,847 $6,038 9.51%
    37% 204 $38,620,000 $189,314 $6,547 9.70%
    45% 112 $19,630,000 $175,268 $5,072 9.95%
    49% 25 $9,785,000 $391,400 $5,975 7.56%
    47% 19 $7,285,000 $383,421 $5,391 7.20%
    48% 18 $5,860,000 $325,556 $5,588 7.43%
    46% 17 $4,415,000 $259,706 $5,001 8.15%
    50-60% 4 $1,840,000 $460,000 $5,441 6.72%

    Alliant Credit Union lent most frequently to those with DTI ratios of 44%, with 1,166 originations. The next most common DTI ratio? 30-36%, with 885 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,989 $679,865,000 $170,435 $5,511 9.73%
    Not provided 909 $164,285,000 $180,732 $5,435 9.63%
    Asian 373 $79,765,000 $213,847 $6,470 9.28%
    Black 296 $46,080,000 $155,676 $5,684 9.96%
    Not applicable 2 $34,540,000 $17,270,000 $0 6.15%
    Asian Indian 43 $30,225,000 $702,907 $6,687 7.31%
    American Indian 41 $6,275,000 $153,049 $6,417 9.79%
    Native Hawaiian or Islander 17 $2,275,000 $133,824 $0 10.07%
    Filipino 7 $975,000 $139,286 $0 10.85%
    Chinese 1 $315,000 $315,000 $0 9.50%
    Other Asian 2 $170,000 $85,000 $3,750 7.44%
    Other Pacific Islander 1 $145,000 $145,000 $0 11.75%
    Japanese 1 $65,000 $65,000 $0 10.25%

    Approval Rates

    Total approvals of all applications
    63.24%

    Alliant Credit Union has a low approval rate. They may have poor market targeting or stringent lending standards.

    Pick Rate

    Approvals leading to origination
    79.78%

    Alliant Credit Union has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 5,682 $1,044,980,000 $183,911

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    5,682 $1,044,980,000 $183,911

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,912 $386,310,000 $202,045 $4,069 9.77%
    40-60% 198 $91,220,000 $460,707 $5,550 8.43%
    60-80% 202 $93,350,000 $462,129 $5,685 6.96%
    80-100% 211 $105,875,000 $501,777 $5,960 6.70%
    Under 20% 3,159 $368,225,000 $116,564 $3,881 10.08%