Alliance Credit Union in Texas vs the state
1.4%Denial rate-17.99 pts vs state
1.8%Decision denial rate-23.14 pts vs state
80.3%Origination rate+25.42 pts vs state
6.38%Median rate-0.13 pts vs state
0.06Rate spread (pts)-0.14 pts vs state
$102kMedian applicant income
1,231Loans originated
22Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 723 | 559 | 5.7% | 6.88% | #204 |
| 2024 | 1,331 | 1,016 | 6.2% | 6.63% | #132 |
| 2025 | 1,533 | 1,231 | 1.4% | 6.38% | #130 |
What Alliance Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Alliance Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lubbock County | 802 | 640 | 13 | 1.6% |
| Randall County | 264 | 218 | 4 | 1.5% |
| Potter County | 64 | 53 | 0 | 0.0% |
| Hockley County | 33 | 24 | 1 | 3.0% |
| Howard County | 28 | 20 | 1 | 3.6% |
| Bexar County | 20 | 16 | 0 | 0.0% |
| Tom Green County | 19 | 16 | 0 | 0.0% |
| Tarrant County | 17 | 11 | 0 | 0.0% |
| Hale County | 17 | 13 | 2 | 11.8% |
| Terry County | 16 | 8 | 1 | 6.3% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 1,533 applications in 2025, of which 1,231 were originated and 22 denied.
1.4% of all applications, or 1.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Alliance Credit Union originated in Texas in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Alliance Credit Union's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology