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Alliant vs. Ally Bank mortgages

One lender has a wider range of loan options, but you'll need good credit to qualify.

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Britny Lawhorn
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How do Alliant Credit Union and Ally compare?

Alliant Credit Union logo
Ally logo
  • Choose this lender for fixed- and adjustable-rate mortgages with rate locks
  • Watch out for the long hold times with customer service
  • A good option for first-time homebuyers with high credit scores
  • Choose this lender for clear time estimates
  • Not ideal if you’re looking for in-person support
  • A good option for first-time homebuyers

Read review

Read review

Loans offered

  • Conventional
  • Refinance
  • Jumbo
  • Home Equity
  • FHA
  • VA
  • USDA
  • Conventional
  • Refinance
  • Jumbo
  • Home Equity
  • FHA
  • VA
  • USDA

Minimum credit score

Conventional: 620

Conventional: 620

States available

Available in all states

Not available in: AK, HI, MD, MA, MN, NV, NH, NY, VT, VA, WY

Pros

  • No down payment
  • Cashback rebates
  • Rate locks
  • No prepayment penalties
  • Rate watch
  • Clear timeline
  • Customer discount
  • First-time buyers guide

Cons

  • Limited eligibility
  • Limited in-person support
  • No government-backed loans
  • No branch locations
  • No home equity line of credit (HELOC) options

Customer reviews

Alliant Credit Union is an accredited business with the Better Business Bureau that gives it an A+ rating. While customers appreciate Alliant’s competitive rates, many online reviews complain of subpar customer service, website bugs and long waits on hold.
Reviews across Trustpilot and the Better Business Bureau (BBB) are overwhelmingly negative. But they number relatively fewer compared to bigger-name financial institutions — with only 82 and 274, respectively. As of January 2021, Ally is not accredited with the BBB and has a D- rating for failing to respond to complaints. The average customer rating is 1.25 out of 5 stars. Complaints generally focus on poor customer service experiences, misinformation and mishandling of funds. While the reviews are mostly negative, keep in mind that people generally aren’t as likely to go out of their way to leave positive reviews.

Compare mortgage lenders

Compare top brands by home loan type, state availability and credit score. Select See rates to provide the lender with basic property and financial details for personalized rates.

Data updated regularly
Name Product Loan products offered State availability Min. credit score
SoFi
(NMLS #1121636)
SoFi
Conventional, Home equity, Refinance
Not available in: HI, MO, NM, NY, WV
620
No hidden fees, multiple loan terms, and member discounts available.
See rates
More Info
Rocket Mortgage
(NMLS #3030)
Rocket Mortgage
Conventional, Jumbo, FHA, VA, Refinance
Available in all states
620
Streamline your mortgage from quote to final payment — all from your computer or phone.
See rates
More Info
Better
(NMLS #330511)
Better
Conventional, Jumbo, FHA, Refinance
Not available in: HI, MA, MN, NV, NH, VT, VA
620
Online preapproval in minutes and no origination fees with this direct lender.
See rates
More Info
LendingTree
(NMLS #1136)
LendingTree
Conventional, Jumbo, FHA, VA, USDA, Home Equity, HELOC, Reverse, Refinance
Available in all states
620
Connect with vetted home loan lenders quickly through this online marketplace.
See rates
More Info
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