ALLEGIANCE Federal 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 D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
15th23.1% deniedPricingmedian rate spread over APOR, weight 30%
30th0.48 ptsProcesswithdrawn + incomplete share, weight 15%
8th27.5%Closing coststotal loan costs ÷ loan amount, weight 10%
80th1.14% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 231 | 117 | 23.8% | 26.4% | 7.25% | $17M |
| 2024 | 339 | 191 | 17.1% | 19.0% | 7.00% | $25M |
| 2025 | 316 | 150 | 16.8% | 23.1% | 6.38% | $21M |
What ALLEGIANCE Federal 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: 0 home-equity lines, 0 reverse mortgages, 3 manufactured homes, 19 investment properties.
Why ALLEGIANCE Federal Credit Union denies applications
Primary reason reported for each of the 53 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at ALLEGIANCE Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 44 | 11 | 42.9% |
| $50k – $100k | 96 | 36 | 35.7% |
| $100k – $150k | 77 | 51 | 15.2% |
| $150k – $250k | 60 | 34 | 6.8% |
| Over $250k | 31 | 18 | 14.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 43 | 16 | 23.1% |
| 35–44 | 77 | 39 | 18.0% |
| 45–54 | 76 | 33 | 30.9% |
| 55–64 | 60 | 33 | 26.1% |
| 65–74 | 42 | 22 | 16.7% |
Where ALLEGIANCE Federal Credit Union lends
2 states and 23 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Oklahoma | 306 | 150 | 17.0% | 6.38% | #92 |
Frequently asked questions
ALLEGIANCE Federal Credit Union denied 23.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 15th percentile of small mortgage lenders.
The most common reason ALLEGIANCE Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 45.3% 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 ALLEGIANCE Federal Credit Union originated in 2025 was 6.38%, and its median rate spread over the average prime offer rate was 0.48 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 26% of its applications were for home purchases, 65% for refinancing (including cash-out), and 9% for home improvement or other purposes. By loan type: 99% conventional, 1% 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.