Applications / Mortgage Analytics / Lenders / Texas / Alliance Bank Central Texas
Woodway, TX · State non-member bank · FDIC · $1.2 billion assets · 152 loans in 2025
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152
loans originated, 2025
214
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Alliance Bank Central Texas makes half its loans in low- and moderate-income neighborhoods, nearly three times the share at similar banks, and has done so for years.
Low- and moderate-income (LMI) neighborhoods took 50.3% of its loans, against 17.5% at similar lenders (state non-member banks making between half and twice as many loans), higher than nearly all of them. Majority-minority neighborhoods took 50.7%, against 5.1%. None of this is new: five years before, LMI neighborhoods took 46.8%.
LMI borrowers took 19.8% of its loans, against 28.1% at peers, lower than about three-quarters of them. Its loans run larger, with a jumbo share (loans larger than the conforming limit) of 5.8% against 1.4%. People who live in LMI neighborhoods need not have low incomes themselves, which could explain the gap.
Its loans fell 4% while similar lenders' and the whole market's rose 10%. Its share slipped as a result, by 0.4 points to 1.6% in Waco, where it ranked 16 of 368 lenders, and from 0.4% to 0.2% in Killeen-Temple. With 152 loans, a few larger loans more or less can also move a share.
It made 152 loans, against 173 five years before. But its typical loan rose from $115,000 to $185,000, so its total grew from $32.7 million to $43.4 million.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Bank Central Texas took 214 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.0% · Refinance 16.4% · Home improvement 7.9% · Other 0.7%
Conventional 100.0% · of 152 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 | 144 | 94.7% |
| Colorado | 3 | 2.0% |
| Kansas | 2 | 1.3% |
| Michigan | 1 | 0.7% |
| Oklahoma | 1 | 0.7% |
| Pennsylvania | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Waco | 106 |
| Killeen-Temple | 21 |
| Austin-Round Rock-San Marcos | 7 |
| Kansas City | 2 |
| San Antonio-New Braunfels | 2 |
| College Station-Bryan | 1 |
| Denver-Aurora-Centennial | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
| Houston-Pasadena-The Woodlands | 1 |
| Kalamazoo-Portage | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006XPYTPLP6BLN10 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 601658 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315657 | 2008–2017 |
Established 16 March 1939. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Alliance Bank Central Texas's data.
Alliance Bank Central Texas's data
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Alliance Bank Central Texas 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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