Alliance Bank 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%
11th25.8% deniedProcesswithdrawn + incomplete share, weight 15%
45th12.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 302 | 170 | 21.2% | 22.5% | — | $60M |
| 2024 | 224 | 124 | 18.3% | 19.9% | — | $47M |
| 2025 | 262 | 128 | 22.5% | 25.8% | — | $47M |
What Alliance Bank 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, 14 manufactured homes, 44 investment properties.
Who gets approved at Alliance Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 29 | 8 | 56.5% |
| $50k – $100k | 101 | 43 | 27.3% |
| $100k – $150k | 34 | 18 | 28.1% |
| $150k – $250k | 38 | 22 | 17.1% |
| Over $250k | 36 | 23 | 6.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 25 | 10 | 23.8% |
| 25–34 | 46 | 24 | 24.4% |
| 35–44 | 47 | 22 | 31.8% |
| 45–54 | 46 | 24 | 13.2% |
| 55–64 | 45 | 21 | 33.3% |
| 65–74 | 26 | 10 | 36.4% |
Where Alliance Bank lends
1 states and 29 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 262 | 128 | 22.5% | — | #365 |
Frequently asked questions
Alliance Bank denied 25.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 11th percentile of small mortgage lenders.
In 2025, 68% of its applications were for home purchases, 19% for refinancing (including cash-out), and 13% 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.