Alliant Credit Union Mortgage Rates, Fees & Info

Chicago, IL

LEI: 549300T94GSH3C4U5M59

Tax ID: 36-6066772

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Mortgage Data

Review & Overview

Alliant Credit Union is a smaller credit union specializing in Home Purchase and Refi loans. Alliant Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Chicago, San Francisco, Denver, Los Angeles, and Memphis among others. We have data for 222 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 a low 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 about average 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% 3/24/24
30 Year Conventional Purchase 6.20% 3/24/24
30 Year Conventional Refi 6.10% 3/24/24
30 Year Cash-out Refi 6.31% 3/24/24
15 Year Conventional Purchase 6.08% 3/24/24
15 Year Conventional Refi 5.90% 3/24/24
15 Year Cash-out Refi 5.90% 3/24/24
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

2,409

Origination Dollar Volume (All Markets)

$552,215,000
Show all (20) awards

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
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 494 $117,570,000 $237,996 $4,108 4.68%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 289 $73,115,000 $252,993 $4,190 4.92%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 218 $42,750,000 $196,101 $3,090 4.73%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 168 $34,840,000 $207,381 $3,304 5.32%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 6 $32,640,000 $5,440,000 $3,737 4.49%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 55 $16,845,000 $306,273 $3,805 5.22%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 57 $13,135,000 $230,439 $3,542 4.71%
Outside of Metro Areas 60 $11,790,000 $196,500 $3,742 5.28%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 47 $11,445,000 $243,511 $4,281 5.15%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 40 $8,940,000 $223,500 $3,803 4.96%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 53 $8,695,000 $164,057 $4,280 5.17%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 20 $8,600,000 $430,000 $5,366 4.16%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 55 $8,055,000 $146,455 $4,903 5.32%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 42 $7,100,000 $169,048 $2,965 4.85%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 24 $6,760,000 $281,667 $4,812 4.31%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 32 $6,570,000 $205,313 $4,346 5.49%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 43 $6,295,000 $146,395 $2,586 5.42%
STOCKTON, CA (FHA|USDA|VA) 27 $5,325,000 $197,222 $4,804 5.57%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 27 $5,205,000 $192,778 $4,248 5.14%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 27 $5,145,000 $190,556 $3,796 4.66%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 9 $4,485,000 $498,333 $7,130 4.54%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 15 $4,125,000 $275,000 $3,542 4.38%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 24 $3,800,000 $158,333 $3,208 5.01%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 21 $3,455,000 $164,524 $3,198 4.73%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 13 $3,345,000 $257,308 $4,569 4.36%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 18 $3,070,000 $170,556 $4,744 5.11%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 11 $2,795,000 $254,091 $3,252 4.72%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 7 $2,415,000 $345,000 $5,253 4.68%
BOULDER, CO (FHA|USDA|VA) 14 $2,390,000 $170,714 $2,364 4.92%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 20 $2,290,000 $114,500 $2,736 5.05%
VALLEJO, CA (FHA|USDA|VA) 14 $2,230,000 $159,286 $2,797 5.46%
COLORADO SPRINGS, CO (FHA|USDA|VA) 15 $2,205,000 $147,000 $2,633 4.50%
RALEIGH-CARY, NC (FHA|USDA|VA) 11 $2,175,000 $197,727 $4,303 4.20%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 6 $2,160,000 $360,000 $5,599 4.04%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 12 $2,150,000 $179,167 $3,624 5.28%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 15 $2,085,000 $139,000 $2,398 4.76%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 3 $1,995,000 $665,000 $6,543 4.00%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 8 $1,870,000 $233,750 $2,722 4.75%
FORT COLLINS, CO (FHA|USDA|VA) 15 $1,745,000 $116,333 $1,312 5.27%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $1,630,000 $815,000 $7,485 4.31%
URBAN HONOLULU, HI (FHA|USDA|VA) 4 $1,610,000 $402,500 $11,396 5.31%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 10 $1,490,000 $149,000 $4,266 4.81%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 3 $1,485,000 $495,000 $5,961 4.42%
Truckee-Grass Valley, CA (FHA|USDA|VA) 3 $1,375,000 $458,333 $3,491 4.08%
GREELEY, CO (FHA|USDA|VA) 7 $1,355,000 $193,571 $2,922 5.18%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 6 $1,290,000 $215,000 $3,605 4.85%
Key West, FL (FHA|USDA|VA) 3 $1,275,000 $425,000 $9,261 4.87%
OCALA, FL (FHA|USDA|VA) 2 $1,260,000 $630,000 $8,267 4.19%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 4 $1,150,000 $287,500 $3,714 4.63%
PITTSBURGH, PA (FHA|USDA|VA) 6 $1,100,000 $183,333 $4,592 4.69%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 5 $1,055,000 $211,000 $2,304 5.22%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $1,055,000 $351,667 $2,592 4.04%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 5 $1,035,000 $207,000 $4,719 4.80%
BEND, OR (FHA|USDA|VA) 2 $1,020,000 $510,000 $9,444 4.06%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $8,064 3.75%
HUNTSVILLE, AL (FHA|USDA|VA) 3 $995,000 $331,667 $3,242 4.04%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $910,000 $151,667 $3,126 5.04%
JACKSONVILLE, FL (FHA|USDA|VA) 3 $845,000 $281,667 $4,892 4.17%
WINCHESTER, VA-WV (FHA|USDA|VA) 3 $835,000 $278,333 $2,905 4.04%
ANCHORAGE, AK (FHA|USDA|VA) 3 $815,000 $271,667 $3,179 4.04%
OKLAHOMA CITY, OK (FHA|USDA|VA) 3 $805,000 $268,333 $3,341 4.33%
Glenwood Springs, CO (FHA|USDA|VA) 2 $800,000 $400,000 $3,251 4.63%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 4 $770,000 $192,500 $3,726 4.53%
NILES, MI (FHA|USDA|VA) 3 $765,000 $255,000 $2,867 4.33%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 5 $765,000 $153,000 $4,000 5.42%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 3 $755,000 $251,667 $3,185 4.67%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $740,000 $370,000 $4,708 4.69%
SALINAS, CA (FHA|USDA|VA) 3 $735,000 $245,000 $2,806 4.91%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 3 $715,000 $238,333 $3,118 5.17%
KANSAS CITY, MO-KS (FHA|USDA|VA) 6 $690,000 $115,000 $2,603 4.46%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $685,000 $228,333 $3,615 4.29%
ANN ARBOR, MI (FHA|USDA|VA) 3 $685,000 $228,333 $2,863 4.54%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 7 $685,000 $97,857 $0 6.10%
Hilo, HI (FHA|USDA|VA) 2 $670,000 $335,000 $0 4.38%
Traverse City, MI (FHA|USDA|VA) 2 $640,000 $320,000 $2,747 4.88%
LOUISVILLE, KY (FHA|USDA|VA) 4 $640,000 $160,000 $2,864 3.97%
TUCSON, AZ (FHA|USDA|VA) 4 $630,000 $157,500 $0 5.44%
Whitewater, WI (FHA|USDA|VA) 2 $620,000 $310,000 $2,526 5.38%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 3 $615,000 $205,000 $2,768 4.50%
NAPA, CA (FHA|USDA|VA) 3 $615,000 $205,000 $0 5.91%
KNOXVILLE, TN (FHA|USDA|VA) 3 $615,000 $205,000 $3,065 4.50%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $615,000 $615,000 $4,545 3.75%
SALT LAKE CITY, UT (FHA|USDA|VA) 5 $585,000 $117,000 $1,096 5.03%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 3 $555,000 $185,000 $4,298 4.54%
RENO, NV (FHA|USDA|VA) 4 $550,000 $137,500 $3,062 4.72%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $550,000 $275,000 $2,934 4.25%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 3 $545,000 $181,667 $2,539 5.08%
Oak Harbor, WA (FHA|USDA|VA) 4 $540,000 $135,000 $3,435 4.59%
BOISE CITY, ID (FHA|USDA|VA) 2 $540,000 $270,000 $4,802 5.00%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 3 $525,000 $175,000 $2,568 3.88%
MIDLAND, TX (FHA|USDA|VA) 2 $510,000 $255,000 $4,489 3.38%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $505,000 $505,000 $0 4.75%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $495,000 $165,000 $3,379 5.08%
DULUTH, MN-WI (FHA|USDA|VA) 4 $490,000 $122,500 $3,064 4.34%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $460,000 $230,000 $2,783 4.25%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 4 $460,000 $115,000 $4,037 4.44%
ST. LOUIS, MO-IL (FHA|USDA|VA) 5 $455,000 $91,000 $1,356 5.53%
REDDING, CA (FHA|USDA|VA) 1 $445,000 $445,000 $0 6.74%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $425,000 $425,000 $4,120 3.88%
MADISON, WI (FHA|USDA|VA) 3 $425,000 $141,667 $2,743 5.21%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $410,000 $205,000 $2,415 4.75%
MANKATO, MN (FHA|USDA|VA) 2 $410,000 $205,000 $3,588 5.13%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 2 $390,000 $195,000 $3,528 4.88%
PROVO-OREM, UT (FHA|USDA|VA) 2 $390,000 $195,000 $2,881 4.38%
PANAMA CITY, FL (FHA|USDA|VA) 2 $370,000 $185,000 $4,081 4.94%
Show Low, AZ (FHA|USDA|VA) 1 $355,000 $355,000 $3,171 3.75%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 3 $355,000 $118,333 $2,228 5.04%
SAVANNAH, GA (FHA|USDA|VA) 2 $350,000 $175,000 $6,002 4.19%
ROCHESTER, NY (FHA|USDA|VA) 2 $350,000 $175,000 $3,953 4.00%
WENATCHEE, WA (FHA|USDA|VA) 1 $345,000 $345,000 $3,019 5.13%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $345,000 $345,000 $4,649 4.75%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $340,000 $170,000 $2,963 5.06%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $335,000 $335,000 $10,734 4.38%
Kalispell, MT (FHA|USDA|VA) 1 $335,000 $335,000 $11,354 4.63%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $335,000 $335,000 $2,751 4.25%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 2 $330,000 $165,000 $2,504 5.19%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $325,000 $325,000 $9,926 4.63%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $315,000 $315,000 $5,244 4.75%
CHICO, CA (FHA|USDA|VA) 3 $315,000 $105,000 $0 4.66%
HARRISONBURG, VA (FHA|USDA|VA) 3 $315,000 $105,000 $2,867 3.92%
AKRON, OH (FHA|USDA|VA) 3 $305,000 $101,667 $3,675 4.83%
COLUMBUS, OH (FHA|USDA|VA) 3 $305,000 $101,667 $3,023 5.25%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $285,000 $285,000 $3,725 4.88%
FLAGSTAFF, AZ (FHA|USDA|VA) 2 $280,000 $140,000 $0 6.62%
RICHMOND, VA (FHA|USDA|VA) 4 $280,000 $70,000 $1,192 4.94%
COLUMBIA, SC (FHA|USDA|VA) 1 $275,000 $275,000 $3,811 4.13%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $270,000 $135,000 $3,151 4.44%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $270,000 $135,000 $0 5.25%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $265,000 $265,000 $3,121 4.25%
MISSOULA, MT (FHA|USDA|VA) 1 $265,000 $265,000 $4,285 4.88%
CHEYENNE, WY (FHA|USDA|VA) 1 $265,000 $265,000 $2,868 4.50%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $255,000 $255,000 $3,166 4.25%
Crossville, TN (FHA|USDA|VA) 1 $255,000 $255,000 $3,126 4.75%
PORT ST. LUCIE, FL (FHA|USDA|VA) 4 $250,000 $62,500 $0 5.93%
YUMA, AZ (FHA|USDA|VA) 1 $245,000 $245,000 $3,809 4.50%
ALBUQUERQUE, NM (FHA|USDA|VA) 3 $245,000 $81,667 $3,052 4.75%
LANCASTER, PA (FHA|USDA|VA) 3 $235,000 $78,333 $0 5.58%
Roseburg, OR (FHA|USDA|VA) 1 $235,000 $235,000 $8,921 4.75%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $230,000 $115,000 $0 4.13%
FRESNO, CA (FHA|USDA|VA) 2 $230,000 $115,000 $3,929 5.81%
EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $220,000 $110,000 $2,565 6.19%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 2 $220,000 $110,000 $60 5.88%
CORVALLIS, OR (FHA|USDA|VA) 1 $215,000 $215,000 $3,761 4.13%
Brookings, OR (FHA|USDA|VA) 1 $215,000 $215,000 $6,079 4.50%
Oneonta, NY (FHA|USDA|VA) 1 $215,000 $215,000 $4,553 4.63%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $215,000 $215,000 $3,500 5.13%
WICHITA, KS (FHA|USDA|VA) 1 $215,000 $215,000 $2,846 3.75%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $210,000 $105,000 $2,830 4.50%
Hailey, ID (FHA|USDA|VA) 1 $205,000 $205,000 $3,274 4.50%
GAINESVILLE, GA (FHA|USDA|VA) 1 $205,000 $205,000 $6,626 4.38%
GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $195,000 $195,000 $2,463 4.13%
Boone, NC (FHA|USDA|VA) 1 $195,000 $195,000 $3,074 3.88%
MERCED, CA (FHA|USDA|VA) 1 $195,000 $195,000 $4,074 5.25%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $195,000 $65,000 $3,707 4.71%
ST. GEORGE, UT (FHA|USDA|VA) 1 $195,000 $195,000 $0 4.50%
GETTYSBURG, PA (FHA|USDA|VA) 1 $195,000 $195,000 $3,576 4.25%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 2 $190,000 $95,000 $4,288 4.31%
Weatherford, OK (FHA|USDA|VA) 1 $185,000 $185,000 $4,146 4.88%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $185,000 $185,000 $2,431 3.75%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $175,000 $175,000 $4,470 4.38%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $175,000 $175,000 $2,264 3.88%
Edwards, CO (FHA|USDA|VA) 1 $165,000 $165,000 $2,811 4.38%
Keene, NH (FHA|USDA|VA) 1 $155,000 $155,000 $2,916 4.50%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.75%
UTICA-ROME, NY (FHA|USDA|VA) 1 $155,000 $155,000 $4,400 4.50%
STAUNTON, VA (FHA|USDA|VA) 1 $155,000 $155,000 $3,541 4.25%
Alexandria, MN (FHA|USDA|VA) 2 $150,000 $75,000 $0 5.25%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $145,000 $145,000 $3,847 5.13%
WALLA WALLA, WA (FHA|USDA|VA) 1 $145,000 $145,000 $0 6.25%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $145,000 $145,000 $3,737 4.88%
Chillicothe, OH (FHA|USDA|VA) 1 $135,000 $135,000 $3,270 4.00%
Cedar City, UT (FHA|USDA|VA) 1 $135,000 $135,000 $4,316 4.75%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $135,000 $135,000 $3,100 3.88%
Hannibal, MO (FHA|USDA|VA) 1 $125,000 $125,000 $2,105 3.25%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.25%
Shelton, WA (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.50%
Menomonie, WI (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.00%
SPARTANBURG, SC (FHA|USDA|VA) 1 $115,000 $115,000 $3,888 4.75%
BAY CITY, MI (FHA|USDA|VA) 1 $115,000 $115,000 $2,418 3.88%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $115,000 $115,000 $0 5.50%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $115,000 $115,000 $0 5.38%
Ottawa, IL (FHA|USDA|VA) 1 $115,000 $115,000 $4,454 4.13%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $115,000 $115,000 $2,356 4.13%
MODESTO, CA (FHA|USDA|VA) 4 $110,000 $27,500 $60 6.56%
EL PASO, TX (FHA|USDA|VA) 1 $105,000 $105,000 $4,247 5.13%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.00%
GOLDSBORO, NC (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.25%
LAS CRUCES, NM (FHA|USDA|VA) 1 $105,000 $105,000 $4,454 4.13%
TULSA, OK (FHA|USDA|VA) 1 $95,000 $95,000 $3,278 4.13%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $95,000 $95,000 $2,936 4.75%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $85,000 $85,000 $2,499 3.88%
SANTA FE, NM (FHA|USDA|VA) 2 $80,000 $40,000 $0 4.13%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $75,000 $75,000 $3,411 5.38%
Crescent City, CA (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.74%
Meridian, MS (FHA|USDA|VA) 1 $75,000 $75,000 $2,716 5.00%
Bozeman, MT (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.00%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.00%
Stevens Point, WI (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.50%
Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $65,000 $65,000 $3,266 4.88%
Spirit Lake, IA (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.50%
PEORIA, IL (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.00%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.00%
Somerset, KY (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.25%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.25%
SYRACUSE, NY (FHA|USDA|VA) 1 $55,000 $55,000 $60 9.25%
Tupelo, MS (FHA|USDA|VA) 1 $45,000 $45,000 $3,956 3.88%
Ashland, OH (FHA|USDA|VA) 1 $45,000 $45,000 $60 5.00%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.25%
ROCKFORD, IL (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.25%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.00%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.25%
LEBANON, PA (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.00%
Sterling, IL (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.00%
Rochelle, IL (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.00%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.50%
Palatka, FL (FHA|USDA|VA) 1 $35,000 $35,000 $0 7.50%
Brainerd, MN (FHA|USDA|VA) 1 $25,000 $25,000 $60 9.00%
Glasgow, KY (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.00%
Heber, UT (FHA|USDA|VA) 1 $15,000 $15,000 $0 6.25%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $15,000 $15,000 $0 6.50%
JACKSON, MI (FHA|USDA|VA) 1 $15,000 $15,000 $60 5.00%
Jefferson, GA (FHA|USDA|VA) 1 $15,000 $15,000 $0 5.00%
Alliant Credit Union's top markets include Chicago, San Francisco, Denver, Los Angeles, and Memphis among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 1,348 $157,310,000 $116,699 n/a 5.20%
    Conventional 1,061 $394,905,000 $372,201 $3,857 4.50%

    For 2018, Alliant Credit Union's most frequently originated type of loan was HELOC, with 1,348 originations. Their 2nd most popular type was Conventional, with 1,061 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 858 $292,730,000 $341,177 $4,648 4.77%
    Home Improvement 709 $69,895,000 $98,583 $99 5.05%
    Refi 495 $128,185,000 $258,960 $3,150 4.71%
    Other 245 $22,705,000 $92,673 $477 5.55%
    Cash Out Refi 102 $38,700,000 $379,412 $3,765 4.19%

    For 2018, Alliant Credit Union's most frequently cited loan purpose was Home Purchase, with 858 originations. The 2nd most popular reason was Home Improvement, with 709 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,396 $393,770,000 $282,070 $4,285 4.82%
    15 Year 958 $105,080,000 $109,687 $2,183 4.96%
    10 Year 31 $2,335,000 $75,323 $597 6.15%
    5 Year 18 $680,000 $37,778 $60 6.03%
    Other 6 $50,350,000 $8,391,667 $3,792 2.61%

    For 2018, Alliant Credit Union's most frequently cited loan duration was 30 Year, with 1,396 originations. The 2nd most popular length was 15 Year, with 958 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 656 $214,360,000 $326,768
    $1k-2k 294 $85,770,000 $291,735
    $2k-3k 42 $14,720,000 $350,476
    $5k+ 31 $17,565,000 $566,613
    $3k-4k 22 $7,970,000 $362,273
    $4k-5k 7 $3,505,000 $500,714

    Alliant Credit Union's average total fees were $4,285, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 656 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 948 $225,130,000 $237,479
    3-4% 674 $190,660,000 $282,878
    5-6% 358 $42,410,000 $118,464
    6-7% 317 $35,125,000 $110,804
    7-8% 80 $6,250,000 $78,125
    Over 8% 27 $1,375,000 $50,926
    <2.5% 3 $49,915,000 $16,638,333
    2.5-3% 2 $1,350,000 $675,000

    During 2018, Alliant Credit Union's average interest rate for loans was 4.82%, while their most frequently originated rate bucket for loans was 4-5%, with 948 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 832 $44,830,000 $53,882 $875 5.54%
    $100k-200k 644 $89,630,000 $139,177 $3,605 4.84%
    $200k-400k 576 $157,220,000 $272,951 $4,136 4.47%
    $400k-600k 215 $103,585,000 $481,791 $4,373 4.32%
    $600k-1MM 128 $94,900,000 $741,406 $5,637 4.04%
    $1MM+ 14 $62,050,000 $4,432,143 $8,081 3.32%

    2018 saw Alliant Credit Union place emphasis on $100,000 or less loans with 832 originations, totaling $44,830,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 658 $157,570,000 $239,468 $4,200 5.04%
    $100k-150k 605 $118,705,000 $196,207 $3,671 4.90%
    $250k+ 405 $116,395,000 $287,395 $4,335 5.02%
    $75k-100k 315 $48,545,000 $154,111 $3,712 4.71%
    $50k-75k 280 $39,230,000 $140,107 $3,738 4.76%
    $50k or less 119 $13,185,000 $110,798 $2,968 4.72%

    Alliant Credit Union lent most frequently to those with incomes in the $150k-250k range, with 658 originations. The second most popular income band? $100k-150k, with 605 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 555 $105,315,000 $189,757 $3,590 4.79%
    30-36% 454 $95,540,000 $210,441 $3,913 4.92%
    <20% 236 $38,380,000 $162,627 $3,310 4.45%
    44% 178 $30,070,000 $168,933 $4,054 5.06%
    42% 135 $28,245,000 $209,222 $4,021 5.22%
    41% 117 $23,565,000 $201,410 $3,956 5.30%
    39% 99 $19,655,000 $198,535 $4,309 5.21%
    43% 95 $23,195,000 $244,158 $4,091 5.09%
    40% 93 $18,415,000 $198,011 $3,961 5.39%
    38% 91 $19,925,000 $218,956 $3,894 5.20%
    37% 88 $18,930,000 $215,114 $3,840 4.97%
    36% 87 $18,325,000 $210,632 $3,606 5.18%
    45% 38 $12,880,000 $338,947 $4,559 4.55%
    48% 29 $9,805,000 $338,103 $4,607 4.07%
    49% 29 $11,375,000 $392,241 $4,350 4.29%
    46% 22 $7,800,000 $354,545 $4,815 4.05%
    47% 18 $6,650,000 $369,444 $3,835 4.34%
    50-60% 6 $2,020,000 $336,667 $4,192 4.92%

    Alliant Credit Union lent most frequently to those with DTI ratios of 20-30%, with 555 originations. The next most common DTI ratio? 30-36%, with 454 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,580 $313,190,000 $198,222 $3,690 4.92%
    Not provided 395 $74,895,000 $189,608 $3,695 4.89%
    Not applicable 39 $62,125,000 $1,592,949 $3,694 3.67%
    Asian 229 $49,555,000 $216,397 $4,741 4.94%
    Asian Indian 47 $29,655,000 $630,957 $5,592 4.00%
    Black 89 $15,115,000 $169,831 $3,836 5.33%
    Native Hawaiian or Islander 11 $2,465,000 $224,091 $5,914 4.91%
    Filipino 4 $1,500,000 $375,000 $3,906 4.47%
    American Indian 5 $995,000 $199,000 $3,411 5.77%
    Vietnamese 2 $860,000 $430,000 $4,516 4.63%
    Chinese 3 $735,000 $245,000 $4,648 4.58%
    Other Asian 2 $540,000 $270,000 $3,399 5.56%
    Korean 2 $460,000 $230,000 $3,331 4.38%
    Japanese 1 $125,000 $125,000 $3,261 3.25%

    Approval Rates

    Total approvals of all applications
    68.04%

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

    Pick Rate

    Approvals leading to origination
    72.52%

    Alliant Credit Union has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,409 $552,215,000 $229,230

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 3 $49,915,000 $16,638,333
    Single Family (1-4 Units):Site-Built 2,406 $502,300,000 $208,770

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 448 $79,420,000 $177,277 $2,773 4.99%
    40-60% 174 $50,550,000 $290,517 $3,802 4.20%
    60-80% 374 $145,710,000 $389,599 $4,483 4.12%
    80-100% 446 $151,660,000 $340,045 $4,399 4.44%
    Over 100% 2 $46,710,000 $23,355,000 $0 0.05%
    Under 20% 965 $78,165,000 $81,000 $389 5.49%