Members 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%
33rd14.3% deniedPricingmedian rate spread over APOR, weight 30%
71st0.11 ptsProcesswithdrawn + incomplete share, weight 15%
1st44.0%Closing coststotal loan costs ÷ loan amount, weight 10%
86th0.96% of loanTrend, 2024–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2024 | 517 | 386 | 4.6% | 5.8% | 6.50% | $25M |
| 2025 | 573 | 266 | 8.0% | 14.3% | 6.25% | $30M |
What Members 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: 32 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 1 investment properties.
Why Members Alliance Credit Union denies applications
Primary reason reported for each of the 46 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Members 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 | 109 | 28 | 36.2% |
| $50k – $100k | 203 | 116 | 10.5% |
| $100k – $150k | 133 | 76 | 13.2% |
| $150k – $250k | 62 | 40 | 6.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 80 | 53 | 8.3% |
| 35–44 | 76 | 51 | 7.1% |
| 45–54 | 94 | 56 | 19.4% |
| 55–64 | 78 | 48 | 14.0% |
| 65–74 | 56 | 38 | 15.2% |
| Over 74 | 20 | 11 | 13.3% |
Where Members Alliance Credit Union lends
13 states and 14 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Members Alliance Credit Union denied 14.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 33rd percentile of small mortgage lenders.
The most common reason Members Alliance Credit Union gave in 2025 was "debt-to-income ratio", cited on 58.7% 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 Members Alliance Credit Union originated in 2025 was 6.25%, and its median rate spread over the average prime offer rate was 0.11 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 39% of its applications were for home purchases, 19% for refinancing (including cash-out), and 42% 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.