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 small 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: Los Angeles, Chicago, San Francisco, Miami, and Seattle among others. We have data for 342 markets. (Some data included below & more in-depth data is available with an active subscription.)

Alliant Credit Union has an 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 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% 12/16/24
30 Year Conventional Purchase 6.20% 12/16/24
30 Year Conventional Refi 6.10% 12/16/24
30 Year Cash-out Refi 6.31% 12/16/24
15 Year Conventional Purchase 6.08% 12/16/24
15 Year Conventional Refi 5.90% 12/16/24
15 Year Cash-out Refi 5.90% 12/16/24
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

9,831

Origination Dollar Volume (All Markets)

$2,226,665,000
Show all (13) 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
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 987 $225,485,000 $228,455 $5,156 4.97%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 890 $196,850,000 $221,180 $4,254 3.81%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 709 $191,635,000 $270,289 $4,608 4.71%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 935 $127,925,000 $136,818 $4,888 5.10%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 382 $110,670,000 $289,712 $5,775 4.61%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 493 $88,445,000 $179,402 $3,957 4.74%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 313 $75,705,000 $241,869 $4,279 3.86%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 254 $72,530,000 $285,551 $6,205 4.23%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 397 $67,515,000 $170,063 $4,850 4.54%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 214 $63,050,000 $294,626 $4,717 4.75%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 408 $61,890,000 $151,691 $5,490 5.36%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 64 $54,160,000 $846,250 $5,547 3.94%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 176 $51,670,000 $293,580 $5,297 4.37%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 266 $47,940,000 $180,226 $4,675 5.14%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 236 $46,700,000 $197,881 $8,283 5.11%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 12 $38,620,000 $3,218,333 $5,302 3.87%
STOCKTON, CA (FHA|USDA|VA) 161 $32,585,000 $202,391 $5,446 5.17%
COLUMBIA, SC (FHA|USDA|VA) 2 $32,510,000 $16,255,000 $3,665 2.83%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $27,605,000 $27,605,000 $0 3.35%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 111 $26,535,000 $239,054 $4,348 3.86%
RICHMOND, VA (FHA|USDA|VA) 10 $25,660,000 $2,566,000 $4,001 3.63%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 112 $23,320,000 $208,214 $4,745 4.21%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 139 $22,485,000 $161,763 $4,636 4.67%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 105 $19,525,000 $185,952 $5,208 4.01%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 98 $19,380,000 $197,755 $3,649 5.19%
Outside of Metro Areas 90 $19,250,000 $213,889 $4,346 3.81%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 113 $18,345,000 $162,345 $4,691 4.78%
SALEM, OR (FHA|USDA|VA) 11 $15,845,000 $1,440,455 $9,736 4.48%
VALLEJO, CA (FHA|USDA|VA) 99 $14,625,000 $147,727 $4,355 5.09%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 42 $13,970,000 $332,619 $5,421 2.80%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 51 $11,745,000 $230,294 $5,589 5.09%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 35 $10,755,000 $307,286 $4,224 3.72%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 16 $9,240,000 $577,500 $3,928 3.86%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 50 $8,960,000 $179,200 $6,246 5.01%
PROVO-OREM, UT (FHA|USDA|VA) 49 $8,425,000 $171,939 $3,209 4.81%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 42 $8,390,000 $199,762 $4,777 4.69%
SALT LAKE CITY, UT (FHA|USDA|VA) 41 $7,745,000 $188,902 $3,945 4.58%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 31 $7,625,000 $245,968 $3,860 3.75%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 16 $7,250,000 $453,125 $6,041 2.84%
COLORADO SPRINGS, CO (FHA|USDA|VA) 31 $6,835,000 $220,484 $4,373 4.28%
TUCSON, AZ (FHA|USDA|VA) 45 $6,635,000 $147,444 $3,561 4.63%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 24 $6,630,000 $276,250 $3,330 4.07%
BOULDER, CO (FHA|USDA|VA) 28 $6,520,000 $232,857 $3,513 4.14%
FRESNO, CA (FHA|USDA|VA) 30 $6,470,000 $215,667 $3,305 5.11%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 38 $6,210,000 $163,421 $3,910 3.82%
SALINAS, CA (FHA|USDA|VA) 29 $6,115,000 $210,862 $4,307 4.99%
RENO, NV (FHA|USDA|VA) 28 $6,090,000 $217,500 $6,259 4.04%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 32 $5,660,000 $176,875 $0 5.08%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 15 $5,655,000 $377,000 $5,163 2.73%
JACKSONVILLE, FL (FHA|USDA|VA) 46 $5,530,000 $120,217 $4,137 5.04%
BELLINGHAM, WA (FHA|USDA|VA) 28 $5,510,000 $196,786 $5,316 4.30%
COLUMBUS, OH (FHA|USDA|VA) 28 $5,270,000 $188,214 $4,318 4.11%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 40 $4,980,000 $124,500 $3,458 4.13%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 25 $4,825,000 $193,000 $5,037 4.51%
BEND, OR (FHA|USDA|VA) 18 $4,650,000 $258,333 $4,952 3.94%
RALEIGH-CARY, NC (FHA|USDA|VA) 21 $4,455,000 $212,143 $4,120 3.53%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 26 $4,390,000 $168,846 $4,019 3.57%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 21 $4,175,000 $198,810 $4,360 4.18%
FORT COLLINS, CO (FHA|USDA|VA) 21 $4,135,000 $196,905 $3,237 4.35%
FLAGSTAFF, AZ (FHA|USDA|VA) 17 $4,055,000 $238,529 $0 4.76%
PORT ST. LUCIE, FL (FHA|USDA|VA) 27 $4,015,000 $148,704 $6,111 4.80%
Key West, FL (FHA|USDA|VA) 16 $4,010,000 $250,625 $5,853 4.52%
MODESTO, CA (FHA|USDA|VA) 29 $3,785,000 $130,517 $3,978 5.40%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 16 $3,580,000 $223,750 $0 4.48%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 21 $3,555,000 $169,286 $4,914 4.66%
URBAN HONOLULU, HI (FHA|USDA|VA) 8 $3,450,000 $431,250 $5,644 2.92%
Truckee-Grass Valley, CA (FHA|USDA|VA) 17 $3,415,000 $200,882 $0 5.29%
NAPA, CA (FHA|USDA|VA) 10 $3,390,000 $339,000 $4,031 4.11%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 10 $3,090,000 $309,000 $7,848 3.96%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 17 $3,085,000 $181,471 $3,826 4.64%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 20 $3,050,000 $152,500 $2,927 5.09%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 5 $3,045,000 $609,000 $3,555 2.85%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 16 $2,980,000 $186,250 $3,738 4.30%
PITTSBURGH, PA (FHA|USDA|VA) 15 $2,905,000 $193,667 $5,786 3.65%
ST. GEORGE, UT (FHA|USDA|VA) 14 $2,770,000 $197,857 $3,350 4.36%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 18 $2,740,000 $152,222 $4,031 4.09%
WORCESTER, MA-CT (FHA|USDA|VA) 8 $2,580,000 $322,500 $4,985 3.81%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 11 $2,485,000 $225,909 $3,741 4.95%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 17 $2,475,000 $145,588 $3,059 5.01%
GREELEY, CO (FHA|USDA|VA) 14 $2,450,000 $175,000 $3,773 4.21%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 8 $2,440,000 $305,000 $5,466 3.22%
LOUISVILLE, KY (FHA|USDA|VA) 10 $2,360,000 $236,000 $3,136 3.68%
SAVANNAH, GA (FHA|USDA|VA) 11 $2,275,000 $206,818 $3,842 4.30%
ST. LOUIS, MO-IL (FHA|USDA|VA) 10 $2,270,000 $227,000 $3,327 3.28%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 12 $2,250,000 $187,500 $4,838 4.50%
BOISE CITY, ID (FHA|USDA|VA) 5 $2,245,000 $449,000 $5,103 2.97%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 22 $2,190,000 $99,545 $3,848 4.17%
PUNTA GORDA, FL (FHA|USDA|VA) 10 $2,180,000 $218,000 $5,218 3.91%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 7 $2,015,000 $287,857 $5,037 2.80%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 13 $1,965,000 $151,154 $4,564 4.91%
WINCHESTER, VA-WV (FHA|USDA|VA) 9 $1,875,000 $208,333 $3,816 3.92%
MADISON, WI (FHA|USDA|VA) 7 $1,825,000 $260,714 $3,544 3.53%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 12 $1,810,000 $150,833 $3,833 4.37%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 7 $1,795,000 $256,429 $4,749 2.88%
Bozeman, MT (FHA|USDA|VA) 8 $1,780,000 $222,500 $5,170 4.32%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 3 $1,695,000 $565,000 $4,550 4.00%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 10 $1,660,000 $166,000 $3,666 3.16%
BAKERSFIELD, CA (FHA|USDA|VA) 11 $1,635,000 $148,636 $0 5.42%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 13 $1,575,000 $121,154 $3,956 4.33%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 6 $1,560,000 $260,000 $4,751 3.43%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 16 $1,530,000 $95,625 $4,088 4.36%
READING, PA (FHA|USDA|VA) 6 $1,500,000 $250,000 $6,082 3.48%
CHICO, CA (FHA|USDA|VA) 9 $1,405,000 $156,111 $4,021 5.20%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 3 $1,385,000 $461,667 $3,989 3.08%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 13 $1,375,000 $105,769 $0 4.88%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 7 $1,365,000 $195,000 $3,679 4.69%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 5 $1,365,000 $273,000 $3,765 2.83%
AKRON, OH (FHA|USDA|VA) 6 $1,360,000 $226,667 $4,183 3.19%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 10 $1,320,000 $132,000 $4,611 4.28%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 5 $1,305,000 $261,000 $4,049 4.00%
WILMINGTON, NC (FHA|USDA|VA) 5 $1,215,000 $243,000 $3,710 3.28%
Edwards, CO (FHA|USDA|VA) 3 $1,175,000 $391,667 $4,042 3.25%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 3 $1,135,000 $378,333 $5,093 3.41%
ALBUQUERQUE, NM (FHA|USDA|VA) 5 $1,135,000 $227,000 $4,532 2.83%
REDDING, CA (FHA|USDA|VA) 6 $1,070,000 $178,333 $0 5.70%
SPRINGFIELD, MO (FHA|USDA|VA) 8 $1,070,000 $133,750 $4,259 3.31%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 5 $1,005,000 $201,000 $3,972 2.48%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 9 $995,000 $110,556 $4,708 4.26%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $985,000 $328,333 $3,501 2.63%
GRAND JUNCTION, CO (FHA|USDA|VA) 2 $980,000 $490,000 $0 4.00%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 5 $975,000 $195,000 $5,249 3.53%
VISALIA, CA (FHA|USDA|VA) 8 $960,000 $120,000 $3,750 4.85%
OKLAHOMA CITY, OK (FHA|USDA|VA) 5 $955,000 $191,000 $3,879 2.90%
Oak Harbor, WA (FHA|USDA|VA) 6 $940,000 $156,667 $0 4.91%
Hilo, HI (FHA|USDA|VA) 3 $935,000 $311,667 $4,571 3.38%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 3 $935,000 $311,667 $5,507 2.58%
Torrington, CT (FHA|USDA|VA) 3 $925,000 $308,333 $7,657 3.12%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 5 $895,000 $179,000 $3,582 3.98%
WENATCHEE, WA (FHA|USDA|VA) 5 $885,000 $177,000 $0 4.64%
ASHEVILLE, NC (FHA|USDA|VA) 5 $875,000 $175,000 $3,751 3.25%
LOGAN, UT-ID (FHA|USDA|VA) 3 $865,000 $288,333 $3,593 4.00%
KNOXVILLE, TN (FHA|USDA|VA) 5 $865,000 $173,000 $5,822 3.65%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 6 $840,000 $140,000 $3,067 4.00%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $815,000 $815,000 $12,151 2.25%
Breckenridge, CO (FHA|USDA|VA) 4 $800,000 $200,000 $0 4.68%
Lebanon, NH-VT (FHA|USDA|VA) 3 $795,000 $265,000 $4,939 2.54%
GAINESVILLE, GA (FHA|USDA|VA) 7 $785,000 $112,143 $4,780 4.42%
Eureka-Arcata, CA (FHA|USDA|VA) 5 $775,000 $155,000 $3,321 4.29%
WICHITA, KS (FHA|USDA|VA) 2 $720,000 $360,000 $3,150 3.38%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 4 $720,000 $180,000 $5,138 3.19%
OCALA, FL (FHA|USDA|VA) 5 $715,000 $143,000 $3,044 4.49%
SPRINGFIELD, MA (FHA|USDA|VA) 2 $710,000 $355,000 $5,224 2.63%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 5 $695,000 $139,000 $3,824 3.45%
MADERA, CA (FHA|USDA|VA) 5 $685,000 $137,000 $0 5.34%
NILES, MI (FHA|USDA|VA) 3 $685,000 $228,333 $2,998 3.83%
Clearlake, CA (FHA|USDA|VA) 3 $685,000 $228,333 $0 5.49%
MEDFORD, OR (FHA|USDA|VA) 4 $680,000 $170,000 $0 4.62%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 2 $670,000 $335,000 $2,653 3.06%
BURLINGTON, NC (FHA|USDA|VA) 2 $670,000 $335,000 $3,800 2.88%
MERCED, CA (FHA|USDA|VA) 5 $635,000 $127,000 $3,671 4.94%
Centralia, WA (FHA|USDA|VA) 4 $630,000 $157,500 $0 4.62%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $625,000 $625,000 $4,341 2.50%
Whitewater, WI (FHA|USDA|VA) 4 $620,000 $155,000 $4,042 3.44%
TULSA, OK (FHA|USDA|VA) 2 $610,000 $305,000 $4,886 2.31%
RACINE, WI (FHA|USDA|VA) 4 $610,000 $152,500 $3,800 3.69%
KANSAS CITY, MO-KS (FHA|USDA|VA) 4 $610,000 $152,500 $4,282 3.78%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 3 $605,000 $201,667 $3,231 3.79%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $600,000 $300,000 $4,973 3.50%
CARSON CITY, NV (FHA|USDA|VA) 2 $590,000 $295,000 $0 4.24%
STAUNTON, VA (FHA|USDA|VA) 2 $580,000 $290,000 $4,995 5.69%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 4 $580,000 $145,000 $5,900 3.31%
Heber, UT (FHA|USDA|VA) 3 $575,000 $191,667 $0 4.25%
CORVALLIS, OR (FHA|USDA|VA) 2 $570,000 $285,000 $4,279 3.56%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 4 $550,000 $137,500 $3,309 2.84%
EAST STROUDSBURG, PA (FHA|USDA|VA) 4 $550,000 $137,500 $3,981 2.75%
Laconia, NH (FHA|USDA|VA) 1 $545,000 $545,000 $17,502 2.25%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 3 $545,000 $181,667 $4,855 3.25%
FORT WAYNE, IN (FHA|USDA|VA) 3 $545,000 $181,667 $2,916 3.66%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $535,000 $178,333 $3,958 4.70%
Gardnerville Ranchos, NV (FHA|USDA|VA) 3 $535,000 $178,333 $0 4.16%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $515,000 $515,000 $10,881 3.00%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 5 $505,000 $101,000 $2,981 4.04%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $505,000 $505,000 $0 4.00%
SANTA FE, NM (FHA|USDA|VA) 2 $500,000 $250,000 $4,548 3.19%
STATE COLLEGE, PA (FHA|USDA|VA) 2 $500,000 $250,000 $12,018 3.13%
Aberdeen, WA (FHA|USDA|VA) 2 $500,000 $250,000 $4,349 3.75%
OCEAN CITY, NJ (FHA|USDA|VA) 3 $475,000 $158,333 $2,970 3.91%
GAINESVILLE, FL (FHA|USDA|VA) 3 $475,000 $158,333 $3,527 4.20%
Newport, OR (FHA|USDA|VA) 2 $470,000 $235,000 $0 5.24%
THE VILLAGES, FL (FHA|USDA|VA) 4 $450,000 $112,500 $4,719 4.34%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 4 $450,000 $112,500 $5,119 3.75%
LANCASTER, PA (FHA|USDA|VA) 6 $450,000 $75,000 $3,927 3.77%
YUBA CITY, CA (FHA|USDA|VA) 5 $445,000 $89,000 $0 5.05%
SYRACUSE, NY (FHA|USDA|VA) 2 $440,000 $220,000 $5,093 3.44%
PUEBLO, CO (FHA|USDA|VA) 3 $425,000 $141,667 $3,526 3.58%
Freeport, IL (FHA|USDA|VA) 1 $425,000 $425,000 $4,103 3.13%
Brainerd, MN (FHA|USDA|VA) 1 $415,000 $415,000 $4,407 2.50%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 4 $410,000 $102,500 $3,996 4.18%
Sonora, CA (FHA|USDA|VA) 1 $405,000 $405,000 $3,115 3.25%
TOLEDO, OH (FHA|USDA|VA) 2 $400,000 $200,000 $5,013 4.06%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 2 $400,000 $200,000 $3,374 3.63%
Hailey, ID (FHA|USDA|VA) 2 $400,000 $200,000 $4,264 3.06%
YORK-HANOVER, PA (FHA|USDA|VA) 4 $390,000 $97,500 $4,641 3.34%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $385,000 $385,000 $2,673 3.25%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $375,000 $375,000 $4,994 3.00%
GREEN BAY, WI (FHA|USDA|VA) 3 $375,000 $125,000 $3,160 3.87%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $365,000 $365,000 $4,301 3.63%
ROCKFORD, IL (FHA|USDA|VA) 4 $360,000 $90,000 $3,840 3.13%
Red Bluff, CA (FHA|USDA|VA) 2 $360,000 $180,000 $3,183 4.50%
BRUNSWICK, GA (FHA|USDA|VA) 2 $350,000 $175,000 $0 5.37%
Gallup, NM (FHA|USDA|VA) 1 $345,000 $345,000 $6,771 2.50%
Kalispell, MT (FHA|USDA|VA) 2 $340,000 $170,000 $6,592 3.62%
LONGVIEW, WA (FHA|USDA|VA) 2 $330,000 $165,000 $0 4.00%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $330,000 $165,000 $3,002 3.18%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $325,000 $325,000 $0 3.99%
KINGSTON, NY (FHA|USDA|VA) 2 $320,000 $160,000 $5,347 3.44%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $320,000 $160,000 $4,525 2.75%
PEORIA, IL (FHA|USDA|VA) 3 $315,000 $105,000 $3,089 3.00%
PANAMA CITY, FL (FHA|USDA|VA) 3 $315,000 $105,000 $0 5.08%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $315,000 $315,000 $3,655 3.00%
MISSOULA, MT (FHA|USDA|VA) 3 $315,000 $105,000 $2,810 4.62%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 2 $310,000 $155,000 $5,310 2.50%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $305,000 $305,000 $7,173 2.25%
YAKIMA, WA (FHA|USDA|VA) 3 $305,000 $101,667 $0 4.74%
Coos Bay, OR (FHA|USDA|VA) 1 $305,000 $305,000 $4,739 2.88%
ROCHESTER, NY (FHA|USDA|VA) 2 $300,000 $150,000 $5,179 2.63%
Port Angeles, WA (FHA|USDA|VA) 2 $300,000 $150,000 $5,026 3.81%
PITTSFIELD, MA (FHA|USDA|VA) 1 $295,000 $295,000 $7,193 2.38%
LYNCHBURG, VA (FHA|USDA|VA) 2 $290,000 $145,000 $5,217 3.06%
Glenwood Springs, CO (FHA|USDA|VA) 2 $290,000 $145,000 $0 4.62%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $285,000 $285,000 $6,480 2.25%
Plymouth, IN (FHA|USDA|VA) 2 $280,000 $140,000 $2,864 3.94%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $280,000 $140,000 $4,774 2.19%
Effingham, IL (FHA|USDA|VA) 2 $270,000 $135,000 $3,661 3.00%
Payson, AZ (FHA|USDA|VA) 2 $270,000 $135,000 $0 4.50%
CHEYENNE, WY (FHA|USDA|VA) 1 $265,000 $265,000 $5,955 2.00%
NEW BERN, NC (FHA|USDA|VA) 2 $260,000 $130,000 $3,722 2.94%
Durango, CO (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.00%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $255,000 $255,000 $5,448 2.38%
Astoria, OR (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.24%
CEDAR RAPIDS, IA (FHA|USDA|VA) 2 $250,000 $125,000 $3,835 2.63%
DULUTH, MN-WI (FHA|USDA|VA) 2 $250,000 $125,000 $3,623 2.56%
Shelton, WA (FHA|USDA|VA) 2 $250,000 $125,000 $3,377 4.00%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $250,000 $125,000 $6,945 2.94%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $245,000 $245,000 $5,489 2.50%
WACO, TX (FHA|USDA|VA) 1 $245,000 $245,000 $5,560 3.38%
Marietta, OH (FHA|USDA|VA) 2 $240,000 $120,000 $6,944 3.69%
JACKSON, MI (FHA|USDA|VA) 2 $240,000 $120,000 $4,044 3.25%
LAS CRUCES, NM (FHA|USDA|VA) 1 $235,000 $235,000 $3,331 2.88%
WARNER ROBINS, GA (FHA|USDA|VA) 2 $230,000 $115,000 $5,469 3.75%
SPRINGFIELD, IL (FHA|USDA|VA) 2 $230,000 $115,000 $2,596 3.19%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $225,000 $225,000 $3,338 2.88%
SPARTANBURG, SC (FHA|USDA|VA) 1 $215,000 $215,000 $2,924 2.88%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $215,000 $215,000 $3,718 2.75%
Sikeston, MO (FHA|USDA|VA) 2 $210,000 $105,000 $3,498 2.94%
MOBILE, AL (FHA|USDA|VA) 1 $205,000 $205,000 $2,845 2.75%
Mount Pleasant, MI (FHA|USDA|VA) 1 $205,000 $205,000 $5,252 2.25%
ROANOKE, VA (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.75%
LAFAYETTE, LA (FHA|USDA|VA) 1 $205,000 $205,000 $3,766 2.38%
VALDOSTA, GA (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.25%
Concord, NH (FHA|USDA|VA) 1 $205,000 $205,000 $4,600 3.13%
ANN ARBOR, MI (FHA|USDA|VA) 2 $200,000 $100,000 $3,760 3.50%
TALLAHASSEE, FL (FHA|USDA|VA) 3 $195,000 $65,000 $0 4.82%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $195,000 $195,000 $7,366 3.13%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $185,000 $185,000 $8,689 1.88%
Pullman, WA (FHA|USDA|VA) 1 $185,000 $185,000 $2,917 2.75%
Fort Morgan, CO (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.99%
UTICA-ROME, NY (FHA|USDA|VA) 2 $180,000 $90,000 $5,806 3.13%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $180,000 $90,000 $4,246 3.19%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $180,000 $90,000 $5,384 3.63%
Elko, NV (FHA|USDA|VA) 2 $180,000 $90,000 $0 5.99%
GREAT FALLS, MT (FHA|USDA|VA) 1 $175,000 $175,000 $4,253 2.88%
Hudson, NY (FHA|USDA|VA) 1 $175,000 $175,000 $6,344 2.88%
Montrose, CO (FHA|USDA|VA) 1 $175,000 $175,000 $4,083 3.00%
Prineville, OR (FHA|USDA|VA) 1 $175,000 $175,000 $0 3.99%
OWENSBORO, KY (FHA|USDA|VA) 1 $175,000 $175,000 $2,628 2.50%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $170,000 $85,000 $0 4.99%
St. Marys, GA (FHA|USDA|VA) 1 $165,000 $165,000 $4,465 2.25%
Adrian, MI (FHA|USDA|VA) 2 $160,000 $80,000 $0 4.00%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $155,000 $155,000 $2,869 2.75%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.49%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $155,000 $155,000 $3,681 3.00%
KANKAKEE, IL (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.00%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $155,000 $155,000 $4,009 2.38%
WINSTON-SALEM, NC (FHA|USDA|VA) 2 $150,000 $75,000 $3,593 3.63%
Keene, NH (FHA|USDA|VA) 1 $145,000 $145,000 $2,433 2.75%
JACKSON, MS (FHA|USDA|VA) 1 $145,000 $145,000 $6,935 3.13%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.25%
MUSKEGON, MI (FHA|USDA|VA) 2 $140,000 $70,000 $0 4.62%
West Plains, MO (FHA|USDA|VA) 1 $135,000 $135,000 $3,621 3.25%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $135,000 $135,000 $3,802 2.38%
Milledgeville, GA (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.25%
Jackson, WY-ID (FHA|USDA|VA) 1 $135,000 $135,000 $4,497 3.00%
Show Low, AZ (FHA|USDA|VA) 1 $125,000 $125,000 $3,453 2.88%
BISMARCK, ND (FHA|USDA|VA) 1 $125,000 $125,000 $2,971 2.13%
APPLETON, WI (FHA|USDA|VA) 1 $125,000 $125,000 $2,753 2.13%
Warren, PA (FHA|USDA|VA) 1 $125,000 $125,000 $4,446 2.75%
MUNCIE, IN (FHA|USDA|VA) 1 $125,000 $125,000 $2,759 2.88%
Malone, NY (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.00%
Clovis, NM (FHA|USDA|VA) 1 $115,000 $115,000 $3,648 3.13%
Angola, IN (FHA|USDA|VA) 1 $115,000 $115,000 $3,617 2.38%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $115,000 $115,000 $3,289 2.25%
DALTON, GA (FHA|USDA|VA) 2 $110,000 $55,000 $0 4.99%
Houghton, MI (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.00%
Palatka, FL (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.49%
LAWRENCE, KS (FHA|USDA|VA) 1 $105,000 $105,000 $3,668 2.00%
Jefferson, GA (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.49%
Huntingdon, PA (FHA|USDA|VA) 1 $105,000 $105,000 $6,126 2.88%
Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 1 $105,000 $105,000 $3,803 2.13%
Danville, KY (FHA|USDA|VA) 1 $105,000 $105,000 $3,749 2.63%
Sturgis, MI (FHA|USDA|VA) 1 $105,000 $105,000 $2,752 2.88%
Cullowhee, NC (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.00%
Tifton, GA (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.49%
CaƱon City, CO (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.00%
Georgetown, SC (FHA|USDA|VA) 1 $95,000 $95,000 $3,374 3.13%
Gillette, WY (FHA|USDA|VA) 1 $95,000 $95,000 $3,614 2.38%
Mount Vernon, OH (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.25%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $95,000 $95,000 $0 6.49%
Levelland, TX (FHA|USDA|VA) 1 $95,000 $95,000 $4,496 2.75%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 2 $90,000 $45,000 $3,821 4.06%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $85,000 $85,000 $3,545 2.38%
Steamboat Springs, CO (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.49%
Tiffin, OH (FHA|USDA|VA) 1 $85,000 $85,000 $4,115 2.88%
Boone, NC (FHA|USDA|VA) 2 $80,000 $40,000 $0 4.00%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 2 $80,000 $40,000 $0 4.62%
DECATUR, IL (FHA|USDA|VA) 1 $75,000 $75,000 $2,471 2.88%
Dixon, IL (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.25%
Greenville, OH (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.49%
Nogales, AZ (FHA|USDA|VA) 1 $75,000 $75,000 $3,871 2.25%
Helena, MT (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.49%
Calhoun, GA (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.49%
WALLA WALLA, WA (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.49%
Ukiah, CA (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.24%
Wilmington, OH (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.49%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.24%
Brevard, NC (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.00%
GETTYSBURG, PA (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.75%
Moses Lake, WA (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.49%
ALBANY, GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.63%
Fernley, NV (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.00%
Statesboro, GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.25%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.49%
Norwalk, OH (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.75%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.00%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.00%
LEBANON, PA (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.00%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.00%
Wilson, NC (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.00%
Richmond, IN (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.00%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.00%
Willmar, MN (FHA|USDA|VA) 1 $25,000 $25,000 $0 4.00%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $15,000 $15,000 $0 4.25%
Alliant Credit Union's top markets include Los Angeles, Chicago, San Francisco, Miami, and Seattle 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 7,992 $1,284,970,000 $160,782 n/a 4.96%
    Conventional 1,839 $941,695,000 $512,069 $4,627 2.80%

    For 2021, Alliant Credit Union's most frequently originated type of loan was HELOC, with 7,992 originations. Their 2nd most popular type was Conventional, with 1,839 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,416 $973,810,000 $220,519 $5,519 4.85%
    Refi 2,234 $700,370,000 $313,505 $4,126 4.12%
    Other 1,462 $218,500,000 $149,453 $8,191 5.00%
    Home Improvement 1,303 $152,125,000 $116,750 $5,090 4.33%
    Cash Out Refi 416 $181,860,000 $437,163 $4,609 2.84%

    For 2021, Alliant Credit Union's most frequently cited loan purpose was Home Purchase, with 4,416 originations. The 2nd most popular reason was Refi, with 2,234 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 8,157 $1,718,475,000 $210,675 $4,747 4.75%
    15 Year 1,521 $239,155,000 $157,235 $4,325 3.67%
    20 Year 86 $21,510,000 $250,116 $4,776 2.83%
    Other 41 $139,685,000 $3,406,951 $4,523 3.02%
    10 Year 24 $48,230,000 $2,009,583 $3,641 2.46%
    5 Year 2 $59,610,000 $29,805,000 $0 3.38%

    For 2021, Alliant Credit Union's most frequently cited loan duration was 30 Year, with 8,157 originations. The 2nd most popular length was 15 Year, with 1,521 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 837 $259,935,000 $310,556
    $<1k 386 $247,470,000 $641,114
    $2k-3k 267 $77,325,000 $289,607
    $5k+ 152 $69,860,000 $459,605
    $3k-4k 104 $29,620,000 $284,808
    $4k-5k 64 $20,150,000 $314,844

    Alliant Credit Union's average total fees were $4,747, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 837 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 3,515 $587,315,000 $167,088
    3-4% 2,099 $651,035,000 $310,164
    5-6% 1,927 $289,235,000 $150,096
    2.5-3% 910 $449,830,000 $494,319
    6-7% 779 $82,985,000 $106,528
    <2.5% 501 $156,155,000 $311,687
    7-8% 97 $9,975,000 $102,835
    Over 8% 3 $135,000 $45,000

    During 2021, Alliant Credit Union's average interest rate for loans was 4.75%, while their most frequently originated rate bucket for loans was 4-5%, with 3,515 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 3,169 $208,335,000 $65,742 $3,732 5.03%
    $100k-200k 3,031 $432,735,000 $142,770 $4,011 4.74%
    $200k-400k 2,475 $675,295,000 $272,846 $4,614 4.15%
    $400k-600k 766 $366,300,000 $478,198 $5,084 3.97%
    $600k-1MM 323 $246,295,000 $762,523 $5,002 2.95%
    $1MM+ 67 $297,705,000 $4,443,358 $6,125 2.89%

    2021 saw Alliant Credit Union place emphasis on $100,000 or less loans with 3,169 originations, totaling $208,335,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 3,694 $730,070,000 $197,637 $4,836 4.70%
    $250k+ 3,031 $808,165,000 $266,633 $4,899 4.67%
    $100k-150k 1,774 $281,060,000 $158,433 $4,519 4.41%
    $75k-100k 632 $91,840,000 $145,316 $4,658 4.10%
    $50k-75k 512 $64,440,000 $125,859 $4,236 4.07%
    $50k or less 174 $16,520,000 $94,943 $3,939 3.95%

    Alliant Credit Union lent most frequently to those with incomes in the $150k-250k range, with 3,694 originations. The second most popular income band? $250k+, with 3,031 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 2,221 $458,335,000 $206,364 $4,489 4.30%
    30-36% 1,918 $386,090,000 $201,298 $4,669 4.57%
    44% 993 $185,785,000 $187,095 $5,401 5.01%
    <20% 824 $172,280,000 $209,078 $4,173 3.93%
    43% 604 $114,720,000 $189,934 $4,801 4.95%
    42% 476 $93,080,000 $195,546 $4,424 4.88%
    41% 462 $91,400,000 $197,835 $5,491 4.84%
    39% 447 $90,755,000 $203,031 $5,099 4.74%
    40% 444 $90,510,000 $203,851 $4,639 4.84%
    38% 422 $78,850,000 $186,848 $4,432 4.75%
    36% 380 $81,070,000 $213,342 $4,044 4.58%
    37% 372 $69,830,000 $187,715 $4,953 4.75%
    45% 71 $15,325,000 $215,845 $4,254 4.26%
    49% 50 $16,410,000 $328,200 $5,809 3.10%
    46% 48 $16,670,000 $347,292 $4,486 3.35%
    47% 39 $15,225,000 $390,385 $5,522 2.84%
    48% 39 $14,085,000 $361,154 $5,346 3.01%
    50-60% 6 $1,440,000 $240,000 $4,899 3.04%
    >60% 1 $235,000 $235,000 $3,199 2.50%

    Alliant Credit Union lent most frequently to those with DTI ratios of 20-30%, with 2,221 originations. The next most common DTI ratio? 30-36%, with 1,918 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 6,556 $1,303,390,000 $198,809 $4,584 4.54%
    Not provided 1,843 $371,585,000 $201,620 $4,680 4.52%
    Not applicable 12 $234,210,000 $19,517,500 $0 3.32%
    Asian 949 $213,725,000 $225,211 $4,879 4.70%
    Black 345 $59,825,000 $173,406 $4,861 4.74%
    Asian Indian 35 $23,145,000 $661,286 $4,286 2.86%
    American Indian 48 $10,200,000 $212,500 $4,433 4.73%
    Native Hawaiian or Islander 27 $4,355,000 $161,296 $3,120 5.15%
    Other Asian 5 $1,935,000 $387,000 $4,796 2.85%
    Filipino 5 $1,815,000 $363,000 $4,995 3.00%
    Chinese 2 $1,220,000 $610,000 $5,358 2.56%
    Korean 1 $545,000 $545,000 $4,020 3.00%
    Samoan 1 $375,000 $375,000 $0 3.13%
    Japanese 2 $340,000 $170,000 $2,870 2.44%

    Approval Rates

    Total approvals of all applications
    82.46%

    Alliant Credit Union has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    80.12%

    Alliant Credit Union has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 9,831 $2,226,665,000 $226,494

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    9,831 $2,226,665,000 $226,494

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 2,813 $696,885,000 $247,737 $4,029 4.63%
    40-60% 634 $211,530,000 $333,644 $4,328 3.24%
    60-80% 851 $591,445,000 $695,000 $4,745 2.90%
    80-100% 389 $155,395,000 $399,473 $5,030 3.10%
    Under 20% 5,144 $571,410,000 $111,083 $4,829 5.06%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    ALLIANT CREDIT UNION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 4 26.7%
    ALLIANT CREDIT UNION Conventional home mortgage Closing on a mortgage 1 6.7%
    ALLIANT CREDIT UNION Conventional home mortgage Trouble during payment process 6 40.0%
    ALLIANT CREDIT UNION Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 6.7%
    ALLIANT CREDIT UNION Other type of mortgage Incorrect information on your report 1 6.7%
    ALLIANT CREDIT UNION Other type of mortgage Trouble during payment process 2 13.3%