Alliance Bank Central Texas at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C 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%
30th15.2% deniedProcesswithdrawn + incomplete share, weight 15%
92nd1.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 225 | 175 | 10.7% | 10.8% | — | $66M |
| 2024 | 221 | 159 | 12.7% | 13.1% | — | $45M |
| 2025 | 214 | 152 | 15.0% | 15.2% | — | $43M |
What Alliance Bank Central Texas 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, 1 manufactured homes, 101 investment properties.
Who gets approved at Alliance Bank Central Texas
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 25 | 9 | 56.0% |
| $50k – $100k | 46 | 29 | 15.6% |
| $100k – $150k | 32 | 20 | 16.1% |
| $150k – $250k | 22 | 16 | 13.6% |
| Over $250k | 30 | 27 | 3.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 29 | 23 | 17.2% |
| 35–44 | 52 | 33 | 19.6% |
| 45–54 | 38 | 25 | 24.3% |
Where Alliance Bank Central Texas lends
6 states and 20 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 206 | 144 | 15.5% | — | #411 |
Frequently asked questions
Alliance Bank Central Texas denied 15.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 30th percentile of small mortgage lenders.
In 2025, 70% of its applications were for home purchases, 17% for refinancing (including cash-out), and 13% 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.