We analyzed every closed loan from Alliant Credit Union — 1.5k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
National · 36 mkts
Awards
VA
Superstar
Jumbo
Superstar
Summary
What They Do Well
- Offers rates 6.80 basis points below market average
- Lower than average lender fees
- Particularly strong in VA and Jumbo loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
Alliant Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 6.8 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Acceptable
Bottom 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
National · 37 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,126 | 74.1% | -0.018%Below | $840Fees | ||||
FHA Loans | — | 18 | 1.2% | +0.095%Above | $1,001Fees | |||
VA Loans | 87 | 5.7% | -0.881%Below | $244Credit | ||||
Jumbo Loans | 288 | 19.0% | -0.076%Below | $292Credit |
Conventional
OverallSound
ProductSound
PricingStrong
Pull ThroughAcceptable
Volume1,126
Mix74.1%
Spread
-0.018%Below
Fees
$840Fees
FHA Loans
OverallAcceptable
ProductAcceptable
Pricing—
Pull ThroughMediocre
Volume18
Mix1.2%
Spread
+0.095%Above
Fees
$1,001Fees
VA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume87
Mix5.7%
Spread
-0.881%Below
Fees
$244Credit
Jumbo Loans
OverallStrong
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume288
Mix19.0%
Spread
-0.076%Below
Fees
$292Credit
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,284 | 84.5% | -0.067%Below | $761Fees | ||||
Refinance | 235 | 15.5% | -0.075%Below | $382Credit |
Purchase
OverallSound
ProductStrong
PricingStrong
Pull ThroughAcceptable
Volume1,284
Mix84.5%
Spread
-0.067%Below
Fees
$761Fees
Refinance
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume235
Mix15.5%
Spread
-0.075%Below
Fees
$382Credit
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,519
Applications
2,371
Volume
$812 million
Pricing & Closing
Avg Rate Spread
-0.068%
vs. market APOR
Avg Net Fees
$590
Origination − Credits
Pullthrough Rate
64.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$535,151
Avg Borrower Income
$243,993
Avg Property Value
$689,273
Geographic Coverage
Geographic Performance
Metro Areas
36
markets with activity
States Served
50
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
50Northeast9
CTMEMANHNJNYPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South16
ALARDCDEFLGAKYLAMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Volume 170Mix 11.19% of portfolio
69/100
Strong
Volume 41Mix 2.70% of portfolio
54/100
Sound
Volume 46Mix 3.03% of portfolio
53/100
Sound
Volume 24Mix 1.58% of portfolio
53/100
Sound
Volume 29Mix 1.91% of portfolio
53/100
Sound
Volume 20Mix 1.32% of portfolio
53/100
Sound
Volume 17Mix 1.12% of portfolio
49/100
Sound
Volume 32Mix 2.11% of portfolio
49/100
Sound
Volume 25Mix 1.65% of portfolio
47/100
Sound
Volume 23Mix 1.51% of portfolio
47/100
SoundShowing 10 of 36 metro areas
Top States by Place Specialization Score
1
IllinoisState
Volume 221Mix 14.55% of portfolio
70/100
Strong2
CaliforniaState
Volume 156Mix 10.27% of portfolio
60/100
Strong3
North CarolinaState
Volume 101Mix 6.65% of portfolio
59/100
Sound4
TexasState
Volume 128Mix 8.43% of portfolio
58/100
Sound5
TennesseeState
Volume 70Mix 4.61% of portfolio
57/100
Sound6
ColoradoState
Volume 66Mix 4.34% of portfolio
57/100
Sound7
VirginiaState
Volume 47Mix 3.09% of portfolio
53/100
Sound8
WashingtonState
Volume 41Mix 2.70% of portfolio
53/100
Sound9
PennsylvaniaState
Volume 46Mix 3.03% of portfolio
52/100
Sound10
South CarolinaState
Volume 36Mix 2.37% of portfolio
51/100
SoundShowing 10 of 30 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.