Alliance 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 C grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
8th31.7% deniedPricingmedian rate spread over APOR, weight 30%
77th0.06 ptsProcesswithdrawn + incomplete share, weight 15%
67th13.5%Closing coststotal loan costs ÷ loan amount, weight 10%
63rd2.01% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,127 | 563 | 37.1% | 42.6% | 6.88% | $119M |
| 2024 | 1,747 | 1,024 | 27.9% | 32.2% | 6.63% | $234M |
| 2025 | 2,126 | 1,257 | 27.4% | 31.7% | 6.38% | $291M |
What Alliance 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: 192 home-equity lines, 0 reverse mortgages, 3 manufactured homes, 254 investment properties.
Why Alliance Credit Union denies applications
Primary reason reported for each of the 582 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Alliance 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 | 322 | 80 | 72.7% |
| $50k – $100k | 819 | 491 | 31.7% |
| $100k – $150k | 452 | 298 | 20.7% |
| $150k – $250k | 282 | 195 | 15.2% |
| Over $250k | 136 | 103 | 9.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 235 | 141 | 32.2% |
| 25–34 | 600 | 339 | 34.6% |
| 35–44 | 502 | 294 | 33.2% |
| 45–54 | 360 | 207 | 33.4% |
| 55–64 | 195 | 107 | 31.4% |
| 65–74 | 113 | 67 | 30.9% |
| Over 74 | 25 | 13 | 35.0% |
Where Alliance Credit Union lends
10 states and 69 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 1,533 | 1,231 | 1.4% | 6.38% | #130 |
| New Mexico | 23 | 18 | 0.0% | 6.75% | #193 |
Frequently asked questions
Alliance Credit Union denied 31.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 8th percentile of mid-size mortgage lenders.
The most common reason Alliance Credit Union gave in 2025 was "other", cited on 97.1% 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 Alliance Credit Union originated in 2025 was 6.38%, and its median rate spread over the average prime offer rate was 0.06 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 57% of its applications were for home purchases, 15% for refinancing (including cash-out), and 28% for home improvement or other purposes. By loan type: 64% conventional, 32% FHA, 3% 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.