Alliant Credit Union mortgage approval rate & lending review
Alliant Credit Union decided 19,579 mortgage applications and funded 12,168 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Alliant Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Alliant Credit Union at a glance
Approval is 10.6 points below the 75.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 86% | 5,874 / 6,822 | 98% | $285K | 5,757 |
| Home improvement loans | 42% | 3,156 / 7,473 | 93% | $105K | 2,948 |
| Cash-out refinance | 75% | 180 / 240 | 96% | $305K | 173 |
| Refinance | 67% | 2,684 / 4,004 | 96% | $195K | 2,580 |
| Investment property purchase | 86% | 574 / 664 | 98% | $275K | 560 |
| Investment cash-out refinance | 67% | 26 / 39 | 100% | $165K | 26 |
| Investment refinance | 63% | 72 / 114 | 100% | $245K | 72 |
| Investment home improvement | 25% | 55 / 223 | 95% | $135K | 52 |
Alliant Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 64% | $255K | 4,448 | 2,743 |
| Illinois | 66% | $185K | 2,455 | 1,554 |
| Florida | 60% | $95K | 2,239 | 1,265 |
| Arizona | 66% | $245K | 1,001 | 649 |
| Colorado | 68% | $145K | 976 | 642 |
| Georgia | 62% | $225K | 880 | 524 |
| Washington | 76% | $285K | 839 | 614 |
| New Jersey | 49% | $175K | 698 | 334 |
| New York | 35% | $195K | 594 | 192 |
| North Carolina | 59% | $355K | 556 | 319 |
| Pennsylvania | 62% | $155K | 542 | 321 |
| Texas | 89% | $385K | 390 | 347 |
| Virginia | 61% | $255K | 387 | 226 |
| Oregon | 89% | $235K | 366 | 318 |
| Nevada | 69% | $245K | 363 | 239 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Alliant Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cook County, IL | Home improvement loans | 45% | 647 | 271 |
| Miami-Dade County, FL | Mortgage lenders | 79% | 358 | 268 |
| Cook County, IL | Refinance | 69% | 284 | 183 |
| Broward County, FL | Mortgage lenders | 81% | 236 | 174 |
| Los Angeles County, CA | Refinance | 68% | 259 | 168 |
| Los Angeles County, CA | Home improvement loans | 40% | 403 | 151 |
| Maricopa County, AZ | Home improvement loans | 53% | 263 | 137 |
| Maricopa County, AZ | Refinance | 63% | 169 | 104 |
| Alameda County, CA | Mortgage lenders | 91% | 95 | 86 |
| Santa Clara County, CA | Mortgage lenders | 87% | 97 | 82 |
| DuPage County, IL | Home improvement loans | 52% | 159 | 79 |
| Alameda County, CA | Home improvement loans | 54% | 140 | 71 |
The county markets where Alliant Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Alliant Credit Union
What is Alliant Credit Union's mortgage approval rate?
Alliant Credit Union approved 64.5% of the 19,579 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.6 points below the 75.1% national rate for the same mix of loan types.
How often do borrowers take the loan Alliant Credit Union offers?
Borrowers accepted 96% of the loans Alliant Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Alliant Credit Union make?
The typical home improvement loan loan Alliant Credit Union made was $105K; across all loan types its typical loan ran from $105K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Alliant Credit Union lend?
Alliant Credit Union decided applications in 50 of the states Fat Boy Data covers, most of them in California, Illinois and Florida.
Can I apply to Alliant Credit Union directly?
Yes. Alliant Credit Union is a bank or credit union with 1 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Alliant Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Alliant Credit Union treats applications, then get a rate quote from the lender.