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 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%
44th11.2% deniedProcesswithdrawn + incomplete share, weight 15%
40th13.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 222 | 189 | 3.2% | 3.6% | 7.25% | $46M |
| 2024 | 167 | 155 | 0.0% | 0.0% | — | $28M |
| 2025 | 187 | 142 | 9.6% | 11.2% | — | $28M |
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: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 10 investment properties.
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 |
|---|---|---|---|
| $50k – $100k | 58 | 39 | 13.3% |
| $100k – $150k | 49 | 41 | 12.8% |
| $150k – $250k | 40 | 34 | 5.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 37 | 30 | 9.1% |
| 45–54 | 47 | 39 | 11.4% |
| 55–64 | 36 | 28 | 6.7% |
| 65–74 | 32 | 19 | 20.8% |
Where Alliance Credit Union lends
3 states and 15 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Alliance Credit Union denied 11.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 44th percentile of small mortgage lenders.
In 2025, 20% of its applications were for home purchases, 36% for refinancing (including cash-out), and 43% 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.