Applications / Mortgage Analytics / Lenders / Illinois / Alliant Credit Union
Chicago, IL · Credit union · NCUA · $20.3 billion assets · 8,359 loans in 2025
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8,359
loans originated, 2025
14,986
applications, 2025
50
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Alliant Credit Union lends nationwide in much larger amounts than similar credit unions, with a typical loan of $205,000 against $115,000, and its loans rose 27% in 2025.
Similar lenders are credit unions making between half and twice as many loans. Its typical loan is higher than nearly all of theirs, and 16.4% of its loans were jumbo (larger than the conforming limit) against 1.3%. It lent in 50 states, led by California, and bought 1,452 loans where the typical similar lender bought none.
Originations rose 27% to 8,359, against 9% for similar lenders and 10% for the market, faster than about nine in ten of them. Purchases were 34.7% of loans; home improvement and other purposes made up close to half.
LMI (low- and moderate-income) borrowers took 14.2% of its loans against 25.6%, lower than nearly all similar lenders, though up from 9.3%. Its larger loans and California-heavy lending may draw higher-income borrowers. In contrast, 22.3% of loans were in majority-minority areas against 8.5%, higher than about three-quarters of similar lenders.
Its typical rate of 7.75% was higher than about nine in ten similar lenders' 6.75%; its home-improvement, other-purpose and jumbo lending could explain part of that. It turned down 16.5% of first-lien refinance applications on owner-occupied homes, lower than about two-thirds of similar lenders (20.4%).
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Alliant Credit Union took 14,986 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 34.7% · Other 30.5% · Refinance 18.9% · Home improvement 15.8%
Conventional 98.3% · VA 1.2% · FHA 0.5% · of 8,359 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 1,937 | 23.2% |
| Illinois | 777 | 9.3% |
| Florida | 679 | 8.1% |
| Washington | 593 | 7.1% |
| Arizona | 482 | 5.8% |
| Colorado | 385 | 4.6% |
| Oregon | 353 | 4.2% |
| Georgia | 331 | 4.0% |
| New Jersey | 280 | 3.3% |
| Virginia | 212 | 2.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 600 |
| Los Angeles-Long Beach-Glendale | 414 |
| Phoenix-Mesa-Chandler | 371 |
| Portland-Vancouver-Hillsboro | 256 |
| Denver-Aurora-Centennial | 250 |
| Oakland-Fremont-Berkeley | 218 |
| Atlanta-Sandy Springs-Roswell | 191 |
| San Diego-Chula Vista-Carlsbad | 189 |
| Seattle-Bellevue-Kent | 183 |
| Riverside-San Bernardino-Ontario | 169 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300T94GSH3C4U5M59 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 367392 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567955 | 1994–2017 |
Established 1 January 1935. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Alliant Credit Union's data.
Alliant Credit Union's data
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Alliant Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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