Alliance Bank Central Texas mortgage approval rate & lending review
Alliance Bank Central Texas decided 571 mortgage applications and funded 440 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Alliance Bank Central Texas reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Alliance Bank Central Texas at a glance
Approval is 5.8 points above the 82.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 86% | 168 / 196 | 82% | $205K | 137 |
| Home improvement loans | 80% | 33 / 41 | 79% | $85K | 26 |
| Refinance | 70% | 23 / 33 | 74% | $95K | 17 |
| Investment property purchase | 95% | 203 / 213 | 92% | $155K | 187 |
| Investment cash-out refinance | 92% | 36 / 39 | 89% | $105K | 32 |
| Investment refinance | 87% | 33 / 38 | 94% | $165K | 31 |
Alliance Bank Central Texas lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 88% | $155K | 556 | 425 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Alliance Bank Central Texas lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| McLennan County, TX | Investment property purchase | 95% | 168 | 144 |
| McLennan County, TX | Mortgage lenders | 85% | 163 | 112 |
| McLennan County, TX | Investment cash-out refinance | 91% | 35 | 29 |
| McLennan County, TX | Investment refinance | 85% | 34 | 27 |
| McLennan County, TX | Home improvement loans | 82% | 39 | 25 |
| Bell County, TX | Investment property purchase | 95% | 20 | 18 |
| McLennan County, TX | Refinance | 67% | 30 | 15 |
The county markets where Alliance Bank Central Texas made the most loans. Each link opens that market with every lender ranked.
Questions about Alliance Bank Central Texas
What is Alliance Bank Central Texas's mortgage approval rate?
Alliance Bank Central Texas approved 88.6% of the 571 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.8 points above the 82.8% national rate for the same mix of loan types.
How often do borrowers take the loan Alliance Bank Central Texas offers?
Borrowers accepted 87% of the loans Alliance Bank Central Texas approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Alliance Bank Central Texas make?
The typical investment property mortgage loan Alliance Bank Central Texas made was $155K; across all loan types its typical loan ran from $85K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Alliance Bank Central Texas lend?
Alliance Bank Central Texas decided applications in 9 of the states Fat Boy Data covers, most of them in Texas, Kansas and Colorado.
Can I apply to Alliance Bank Central Texas directly?
Yes. Alliance Bank Central Texas is a bank or credit union with 8 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Alliance Bank Central Texas's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Alliance Bank Central Texas treats applications, then get a rate quote from the lender.