Align Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
56th22.2% deniedPricingmedian rate spread over APOR, weight 30%
92nd-1.71 ptsProcesswithdrawn + incomplete share, weight 15%
12th21.5%Closing coststotal loan costs ÷ loan amount, weight 10%
72nd2.32% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 501 | 317 | 30.3% | 32.0% | 3.99% | $53M |
| 2024 | 501 | 289 | 28.3% | 32.4% | 4.99% | $48M |
| 2025 | 465 | 280 | 17.4% | 22.2% | 5.49% | $50M |
What Align Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 315 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 8 investment properties.
Why Align Credit Union denies applications
Primary reason reported for each of the 81 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Align Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 81 | 43 | 34.3% |
| $100k – $150k | 119 | 70 | 22.0% |
| $150k – $250k | 164 | 107 | 16.2% |
| Over $250k | 73 | 53 | 5.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 43 | 21 | 25.0% |
| 35–44 | 104 | 69 | 21.4% |
| 45–54 | 119 | 84 | 18.5% |
| 55–64 | 116 | 67 | 23.6% |
| 65–74 | 61 | 32 | 19.1% |
Where Align Credit Union lends
3 states and 22 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Massachusetts | 388 | 235 | 18.3% | 5.49% | #97 |
| New Hampshire | 68 | 41 | 11.8% | 5.49% | #102 |
| Maine | 9 | 4 | 22.2% | 5.49% | #227 |
Frequently asked questions
Align Credit Union denied 22.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 56th percentile of home-equity (HELOC) lenders.
The most common reason Align Credit Union gave in 2025 was "debt-to-income ratio", cited on 45.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Align Credit Union originated in 2025 was 5.49%, and its median rate spread over the average prime offer rate was -1.71 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 12% of its applications were for home purchases, 31% for refinancing (including cash-out), and 57% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.