Alliance Credit Union (Texas) mortgage approval rate & lending review
Alliance Credit Union (Texas) decided 2,339 mortgage applications and funded 2,324 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Alliance Credit Union (Texas) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Alliance Credit Union (Texas) at a glance
Approval is 14.4 points above the 84.9% 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 | 100% | 1,666 / 1,667 | 100% | $215K | 1,666 |
| Cash-out refinance | 96% | 238 / 249 | 100% | $95K | 238 |
| Refinance | 100% | 48 / 48 | 100% | $335K | 48 |
| Investment property purchase | 100% | 310 / 311 | 100% | $145K | 310 |
| Investment cash-out refinance | 96% | 46 / 48 | 100% | $115K | 46 |
Alliance Credit Union (Texas) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 99% | $215K | 2,327 | 2,312 |
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 Credit Union (Texas) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lubbock County, TX | Mortgage lenders | 100% | 1,198 | 1,197 |
| Randall County, TX | Mortgage lenders | 100% | 313 | 313 |
| Lubbock County, TX | Investment property purchase | 100% | 265 | 264 |
| Lubbock County, TX | Cash-out refinance | 95% | 209 | 199 |
| Potter County, TX | Mortgage lenders | 100% | 79 | 79 |
| Lubbock County, TX | Investment cash-out refinance | 95% | 41 | 39 |
| Lubbock County, TX | Refinance | 100% | 37 | 37 |
| Randall County, TX | Investment property purchase | 100% | 25 | 25 |
The county markets where Alliance Credit Union (Texas) made the most loans. Each link opens that market with every lender ranked.
Questions about Alliance Credit Union (Texas)
What is Alliance Credit Union (Texas)'s mortgage approval rate?
Alliance Credit Union (Texas) approved 99.4% of the 2,339 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.4 points above the 84.9% national rate for the same mix of loan types.
How often do borrowers take the loan Alliance Credit Union (Texas) offers?
Borrowers accepted 100% of the loans Alliance Credit Union (Texas) approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Alliance Credit Union (Texas) make?
The typical home purchase mortgage loan Alliance Credit Union (Texas) made was $215K; across all loan types its typical loan ran from $95K to $335K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Alliance Credit Union (Texas) lend?
Alliance Credit Union (Texas) decided applications in 10 of the states Fat Boy Data covers, most of them in Texas, Arkansas and Georgia.
Can I apply to Alliance Credit Union (Texas) directly?
Yes. Alliance Credit Union (Texas) is a bank or credit union with 22 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Alliance Credit Union (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 Credit Union (Texas) treats applications, then get a rate quote from the lender.