Applications / Mortgage Analytics / Lenders / Texas / Alliance Credit Union
Lubbock, TX · Credit union · STATE · $680 million assets · 1,257 loans in 2025
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1,257
loans originated, 2025
2,126
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Alliance Credit Union is a Texas credit union that lends mainly for home purchases and makes many government-backed loans, unlike similar credit unions, and it grew 23% in 2025.
Home purchases were 79.1% of its loans. FHA loans (insured by the Federal Housing Administration) were 27.3%, VA loans (guaranteed by the Department of Veterans Affairs) 2.1% and RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) 0.6%, against 0.0% for each at similar lenders (credit unions making between half and twice as many loans). Its typical loan, $205,000, was larger than at about nine in ten of them.
Originations rose 23% to 1,257, against 9% at similar lenders and 10% for the whole market, higher than about eight in ten of them.
It ranked 2 of 341 lenders in Lubbock, behind Texas Tech Federal Credit Union, though its share fell 0.8 points to 8.7%; competitors' growth or a shift toward other markets are possible reasons. In Amarillo it ranked 2 of 258, behind Amarillo National Bank, with its share up 1.8 points to 6.0%.
Of its loans, 3.6% were higher-priced (a rate well above the average for similar loans), against 1.4% at similar lenders; its FHA share, against none at peers, could account for most of the difference. Majority-minority areas took 29.3% of its loans, against 9.9%, while LMI (low- and moderate-income) borrowers took 21.6%, against 27.7%; its larger loans may explain the lower LMI share.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Alliance Credit Union took 2,126 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 79.1% · Refinance 20.8% · Home improvement 0.1%
Conventional 70.0% · FHA 27.3% · VA 2.1% · USDA (RHS or FSA) 0.6% · of 1,257 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 1,119 | 89.0% |
| New Mexico | 18 | 1.4% |
| Arkansas | 2 | 0.2% |
| Georgia | 2 | 0.2% |
| Alabama | 1 | 0.1% |
| Kansas | 1 | 0.1% |
| Minnesota | 1 | 0.1% |
| Oklahoma | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lubbock | 679 |
| Amarillo | 278 |
| San Antonio-New Braunfels | 19 |
| San Angelo | 16 |
| Fort Worth-Arlington-Grapevine | 14 |
| Dallas-Plano-Irving | 8 |
| Austin-Round Rock-San Marcos | 3 |
| Houston-Pasadena-The Woodlands | 3 |
| Midland | 3 |
| Odessa | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YHSRT5YOR5W454 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 520179 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 53987 | 1997–2016 |
| Respondent ID (the HMDA filer code before 2018) | 597103 | 2017–2017 |
Established 1 January 1940. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: Alliance Credit Union's data.
Alliance Credit Union's data
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Alliance Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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