Alliant Credit Union Mortgage Review
See how often this lender's Bankrate auction price beats comparable loans from 2025.
Bankrate verified lender
This lender is a Bankrate Auction Participant, meaning we verify their offer authenticity and hold them to high standards to ensure you get the best possible rate offer.
How Bankrate scores Alliant Credit Union Mortgage
- Price competitiveness
How often this lender's borrowers pay at or below the typical price for a comparable loan.
5 out of 5 - Amount of overpayment
How much extra borrowers ended up paying with this lender compared to the best price for a comparable loan. A higher percentile score is always better.
5 out of 5 - Customer complaints
How often consumers complain about this lender, and whether they get relief.
2%3 out of 5 - Where and what they lend
How many states and loan types this lender serves.
89%5 out of 5
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
2025 ratings, across all four measures
A few more details worth knowing
Though these don't affect the star rating, we show them so you have the full picture.
For applicants age 62 and older, we measure two things: whether this lender denies them more often than its own lending patterns would predict after accounting for loan size, income, debt-to-income ratio, and loan type; and whether it lends to them at rates similar to comparable lenders. One of those two measures fell outside the expected range. Credit scores are not available in this dataset, so they are not included in the analysis. Because that variable is held constant across all lenders, it should reduce the extent to which missing credit-score data affects comparisons between them.
We looked at how often a lender's applications end up as closed loans, not counting any that were denied or the applicant withdrew. At this lender, 90% to 95% did, which might mean some quoted terms changed before closing, some applicants stepped away, or both.
Ready to get the lowest rate?
the lowest rate?See what Alliant Credit Union Mortgage will actually offer you when it has to compete — in minutes, with no hit to your credit.
What Bankrate's editors think
Alliant’s Advantage Mortgage program lets first-time buyers put 0% down on loans up to $650,000 with no PMI, and repeat buyers with 5% equity can often qualify with just 5% down. Ask about it directly — a generic rate quote won’t surface it.
On cost, Alliant charges less in added costs over eight years than rounghly 80% of comparable lenders we track. CFPB complaints run higher than average, though Alliant resolves enough of them with real relief to lift the score out of the lower tier.
You’ll need to join the credit union before you can borrow — typically through an employer, family tie or a $5 donation to the Alliant Credit Union Foundation.
At a glance
Good for buyers who qualify for the 0%-down, no-PMI Advantage Mortgage, especially first-time buyers who are short on down payment cash. Not a good fit if you’d rather skip the credit union membership step.
What consumers say
Summary: Alliant Credit Union reviewers most often identify an easily reached team, together with a loan officer whose explanations they find clear. Sentiment regarding closing is more divided: most consider it smooth, but a smaller share report delays or unexpected changes.
Great Experience Buying First Home
As first time homebuyers we were very anxious going into this process. Our lender Jeff was very communicative and great to work with. He and his team (shout out Trinette and Sherri!) made the whole process very easy. Jeff also communicated well with our realtor and everything went very smoothly for us!
Abigail B. · Nebraska
Refinance
Brian Duncan has been a great person to help refinance my home! Amazing communication and always on top of it explaining any detail during the process and staying honest! Definitely recommend!
J · Michigan
Great Relationship Lender
I worked with Charles Petruzzi to close a jumbo mortgage on a high-rise condo in Miami and he was extremely helpful guiding me through the process. He's very caring, always available, transparent about the process, and helps you navigate any bumps along the way with the utmost professionalism and personal courtesy.
Andrew L. · Miami, FL
Compare lenders
Get today's rates for youCompare Alliant Credit Union Mortgage with any of our rated 1,962+ lenders. We start by stacking it up against a lender of similar reach and scale — but you can swap in any lender you’d like.
Figures are drawn from public lending and complaint data and weighted by loan volume.
Ready to see what Alliant Credit Union Mortgage will really offer you?
See your real rate in minutes, with no hit to your credit.
