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 score and performance metrics.

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 an overall pricing score of 77.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is ALLIANT CREDIT UNION?

ALLIANT CREDIT UNION is a Credit Union headquartered in Chicago, IL.

Unclaimed

Alliant Credit Union

Credit Union•Chicago, IL•Direct to Consumer

We analyzed every closed loan from Alliant Credit Union — 1.5k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Strong

vs. all lenders

Pull Through

Sound

closing strength

Products

Exceptional

FHA · Conventional · VA · Jumbo

Place

Sound

National · 36 mkts

Safe Rate Awards💎Jumbo Champion⭐VA Superstar

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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

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Report Card

Alliant Credit Union performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Strong	Highly Competitive Rates 6.8 bps below market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Sound	Industry Standard Top 60% of lenders
FHA	Acceptable	Near industry average Bottom 40% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
Jumbo	Exceptional	Market Leader Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Sound	Industry Standard Top 60% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders National37 markets

Loan Product Performance

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%Below	$840Fees
FHA Loans	Mediocre	Acceptable	—	Mediocre	18	1.2%	+0.095%Above	$1,001Fees
VA Loans	Strong	Strong	Exceptional	Sound	87	5.7%	-0.881%Below	$244Credit
Jumbo Loans	Exceptional	Exceptional	Exceptional	Strong	288	19.0%	-0.076%Below	$292Credit

Loan Purpose Performance

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%Below	$761Fees
Refinance	Sound	Sound	Strong	Sound	235	15.5%	-0.075%Below	$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

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

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Top Metro Areas by Place Specialization Score

Chicago, ILMSA

Volume: 170Mix: 11.19%of portfolio

Place

Strong

Denver, COMSA

Volume: 41Mix: 2.70%of portfolio

Place

Sound

Houston, TXMSA

Volume: 46Mix: 3.03%of portfolio

Place

Sound

Elgin, IL, ILMSA

Volume: 24Mix: 1.58%of portfolio

Place

Sound

Oakland, CAMSA

Volume: 29Mix: 1.91%of portfolio

Place

Sound

Asheville, NC, NCMSA

Volume: 20Mix: 1.32%of portfolio

Place

Sound

Lake County, IL, ILMSA

Volume: 17Mix: 1.12%of portfolio

Place

Sound

Phoenix, AZMSA

Volume: 32Mix: 2.11%of portfolio

Place

Sound

Dallas, TXMSA

Volume: 25Mix: 1.65%of portfolio

Place

Sound

Los Angeles, CAMSA

Volume: 23Mix: 1.51%of portfolio

Place

Sound

Showing 10 of 36 metro areas

Top States by Place Specialization Score

ILState

Volume: 221Mix: 14.55%of portfolio

Place

Strong

CAState

Volume: 156Mix: 10.27%of portfolio

Place

Strong

NCState

Volume: 101Mix: 6.65%of portfolio

Place

Sound

TXState

Volume: 128Mix: 8.43%of portfolio

Place

Sound

TNState

Volume: 70Mix: 4.61%of portfolio

Place

Sound

COState

Volume: 66Mix: 4.34%of portfolio

Place

Sound

VAState

Volume: 47Mix: 3.09%of portfolio

Place

Sound

WAState

Volume: 41Mix: 2.70%of portfolio

Place

Sound

PAState

Volume: 46Mix: 3.03%of portfolio

Place

Sound

SCState

Volume: 36Mix: 2.37%of portfolio

Place

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.