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ALLIANT CREDIT UNION
Credit Union|Chicago, IL|National
Loans Originated
1,519
Applications
2,371
Volume
$812 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Sound
Safe Rate Awards💎Jumbo Champion⭐VA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.068%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$590
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
64.1%
Percentage of applications that result in closed loans
Safe Rate's 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
Report Card
ALLIANT CREDIT UNION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Acceptable | Near industry average | |
VA | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | National · 37 metro areas · 50 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$535,151
Average Borrower Income
$243,993
Average Property Value
$689,273
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Strong | Acceptable | 1,126 | 74.1% | -0.018% | $840 |
FHA Loans | Mediocre | Acceptable | N/A | Mediocre | 18 | 1.2% | +0.095% | $1,001 |
VA Loans | Strong | Strong | Exceptional | Sound | 87 | 5.7% | -0.881% | -$244 |
Jumbo Loans | Exceptional | Exceptional | Exceptional | Strong | 288 | 19.0% | -0.076% | -$292 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Strong | Acceptable | 1,284 | 84.5% | -0.067% | $761 |
Refinance | Sound | Sound | Strong | Sound | 235 | 15.5% | -0.075% | -$382 |
Geographic Coverage
Metro Areas
36
States Served
50
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Chicago, ILMSA
Volume: 170Mix: 11.19%
Place Specialization
Strong
2
Denver, COMSA
Volume: 41Mix: 2.70%
Place Specialization
Sound
3
Houston, TXMSA
Volume: 46Mix: 3.03%
Place Specialization
Sound
4
Elgin, IL, ILMSA
Volume: 24Mix: 1.58%
Place Specialization
Sound
5
Oakland, CAMSA
Volume: 29Mix: 1.91%
Place Specialization
Sound
6
Asheville, NC, NCMSA
Volume: 20Mix: 1.32%
Place Specialization
Sound
7
Lake County, IL, ILMSA
Volume: 17Mix: 1.12%
Place Specialization
Sound
8
Phoenix, AZMSA
Volume: 32Mix: 2.11%
Place Specialization
Sound
9
Dallas, TXMSA
Volume: 25Mix: 1.65%
Place Specialization
Sound
10
Los Angeles, CAMSA
Volume: 23Mix: 1.51%
Place Specialization
Sound
Showing 10 of 36 metro areas
Top States by Place Specialization Score
1
ILState
Volume: 221Mix: 14.55%
Place Specialization
Strong
2
CAState
Volume: 156Mix: 10.27%
Place Specialization
Strong
3
NCState
Volume: 101Mix: 6.65%
Place Specialization
Sound
4
TXState
Volume: 128Mix: 8.43%
Place Specialization
Sound
5
TNState
Volume: 70Mix: 4.61%
Place Specialization
Sound
6
COState
Volume: 66Mix: 4.34%
Place Specialization
Sound
7
VAState
Volume: 47Mix: 3.09%
Place Specialization
Sound
8
WAState
Volume: 41Mix: 2.70%
Place Specialization
Sound
9
PAState
Volume: 46Mix: 3.03%
Place Specialization
Sound
10
SCState
Volume: 36Mix: 2.37%
Place Specialization
Sound
Showing 10 of 30 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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