# ALLIANT CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/alliant-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ALLIANT CREDIT UNION is a credit union, headquartered in Chicago, IL, serving borrowers nationwide, with 1,519 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 22% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 58% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300T94GSH3C4U5M59
- **Headquarters:** Chicago, IL
- **Geographic Reach:** National
- **States Served:** 50
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 37
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 78/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.068%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $590
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,519
- **Dollar Volume:** $813 million
- **Applications Received:** 2,371
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $535,151
- **Average Borrower Income:** $243,993
- **Average Property Value:** $689,273

## Safe Rate Awards 🏆

- 💎 **Jumbo Diamond Champion** (84%)
- ⭐ **VA Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 57/100 | 1,126 | -0.018% | $840 | Sound ☺️ |
| FHA | 37/100 | 18 | +0.095% | $1,001 | Acceptable 🙂 |
| VA | 66/100 | 87 | -0.881% | $-244 | Strong 😀 |
| Jumbo | 83/100 | 288 | -0.076% | $-292 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 952 loans, Score: 59/100 (Sound)
- Refinance: 174 loans, Score: 58/100 (Sound)

**VA:**
- Purchase: 82 loans, Score: 68/100 (Strong)

**Jumbo:**
- Purchase: 235 loans, Score: 84/100 (Exceptional)
- Refinance: 53 loans, Score: 82/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 62/100 | 1,284 | $677M | -0.067% | Strong 😀 |
| Refinance | 57/100 | 235 | $136M | -0.075% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 221 | 0.18% | 70/100 |
| CA | 156 | 0.05% | 60/100 |
| TX | 128 | 0.04% | 58/100 |
| NC | 101 | 0.07% | 59/100 |
| TN | 70 | 0.08% | 57/100 |
| CO | 66 | 0.08% | 57/100 |
| FL | 63 | 0.02% | 50/100 |
| VA | 47 | 0.04% | 53/100 |
| PA | 46 | 0.04% | 52/100 |
| OH | 45 | 0.03% | 51/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 206 | 60/100 |
| Chicago | IL | 170 | 69/100 |
| Houston | TX | 46 | 53/100 |
| Denver | CO | 41 | 54/100 |
| Phoenix | AZ | 32 | 49/100 |
| Oakland | CA | 29 | 53/100 |
| Dallas | TX | 25 | 47/100 |
| Elgin, IL | IL | 24 | 53/100 |
| Los Angeles | CA | 23 | 47/100 |
| Asheville, NC | NC | 20 | 53/100 |
| Cambridge | MA | 18 | 46/100 |
| Arlington | VA-WV | 17 | 44/100 |
| Atlanta | GA | 17 | 43/100 |
| Lake County, IL | IL | 17 | 49/100 |
| Raleigh | NC | 17 | 46/100 |

## Where This Lender Ranks

ALLIANT CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Chicago for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/chicago/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Asheville, NC for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/asheville-nc/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in Chicago Credit Unions
  - [View Full Rankings](https://saferate.com/chicago/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Elgin, IL Credit Unions
  - [View Full Rankings](https://saferate.com/elgin-il/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Chicago for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/chicago/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Elgin, IL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/elgin-il/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Asheville, NC Credit Unions
  - [View Full Rankings](https://saferate.com/asheville-nc/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Asheville, NC for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/asheville-nc/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Lake County, IL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/lake-county-il/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#8** in Asheville, NC for Jumbo Loans
  - [View Full Rankings](https://saferate.com/asheville-nc/best-mortgage-lenders/jumbo-loans)
- 🏆 **#9** in Chicago for Jumbo Loans
  - [View Full Rankings](https://saferate.com/chicago/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does ALLIANT CREDIT UNION offer?

ALLIANT CREDIT UNION offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ALLIANT CREDIT UNION offer mortgages?

ALLIANT CREDIT UNION is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are ALLIANT CREDIT UNION's mortgage rates?

ALLIANT CREDIT UNION has a pricing score of 78/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.068% below market average.

### What type of lender is ALLIANT CREDIT UNION?

ALLIANT CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Chicago, IL.

### What is ALLIANT CREDIT UNION's loan approval success rate?

ALLIANT CREDIT UNION has a pull-through score of 42/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/alliant-credit-union

### How to Cite

> "ALLIANT CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/alliant-credit-union

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