SmartRatesUSA
Mortgage Lender Review🏥 Best for No-PMI Programs

Alliant Credit Union

Credit Union

30-yr fixed APR around 6.38%. Conventional borrowers, physicians, and first responders who want no-PMI, low-down-payment financing.

At a Glance

30-Yr Fixed APR

6.38%

15-Yr Fixed APR

5.72%

Min. Credit Score

620

Min. Down Payment

0% (First Responder/Physician programs)

Lender Type

Credit Union

Avg. Closing Time

30–45 days

Key Features

0%-down, no-PMI programs for eligible first-time buyers, physicians, and first responders

Not-for-profit, member-owned pricing structure

Open nationwide membership via a small foundation donation

Pros & Cons

Pros

  • Strong no-PMI and low-down-payment programs for eligible borrowers
  • Competitive rates as a member-owned, not-for-profit institution
  • Open membership available to anyone nationwide

Tradeoffs

  • Does not offer FHA, VA, or USDA government loans
  • Membership sign-up step required before applying

Best for: Conventional borrowers, physicians, and first responders who want no-PMI, low-down-payment financing

Frequently Asked Questions

What credit score do I need for a mortgage with Alliant Credit Union?

Alliant Credit Union generally works with borrowers around 620+, though the exact rate and approval odds depend on your full credit profile, down payment, and loan program.

What loan types does Alliant Credit Union offer?

Alliant Credit Union offers Conventional, Jumbo, Refinance, HELOC. Availability can vary by state and property type, so confirm your specific loan program directly with the lender.

Does Alliant Credit Union charge lender fees?

Alliant Credit Union charges standard lender fees as part of closing costs — ask for a full Loan Estimate to see the exact breakdown before committing.

Other Mortgage Lenders

Rocket Mortgage

6.75% 30-yr fixed APR

Better Mortgage

6.49% 30-yr fixed APR

Navy Federal Credit Union

6.35% 30-yr fixed APR

Rates shown are illustrative national averages for 2026 and change daily based on market conditions, loan amount, credit score, and property type — always confirm current rates directly with the lender.

← Compare all mortgage lenders