Applications / Mortgage Analytics / Lenders / Missouri / Alliance Credit Union
Fenton, MO · Credit union · NCUA · $399 million assets · 142 loans in 2025
Alliance Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
142
loans originated, 2025
187
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Alliance Credit Union lends mainly to people who already own their homes: refinances and home improvements made up three-quarters of its 142 loans.
Refinances made up 45.1% of its loans and home improvement 29.6%; purchases were 22.5%. Every loan was conventional, and none was on a manufactured home. Its typical loan, $105,000, matched that of similar lenders (credit unions making between half and twice as many loans).
Its 142 loans came to $27.9 million, against $19.5 million at peers, higher than at about two-thirds of them.
It ranked 118 of 637 lenders in St. Louis, with 0.2% of the market in both years. Guild Mortgage Company led. Its count fell 8% while similar lenders grew 9%. With few purchase loans, its volume may follow homeowners' borrowing more than home sales.
Low- and moderate-income (LMI) neighborhoods took 9.9% of its loans, against 17.3% at peers, lower than at more than four in five. LMI borrowers took 28.3%, near the middle. One possible reason is simply where its members own homes, in the 14 counties it lends in.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 187 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 45.1% · Home improvement 29.6% · Purchase 22.5% · Not applicable 2.8%
Conventional 100.0% · of 142 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 |
|---|---|---|
| Missouri | 139 | 97.9% |
| Illinois | 3 | 2.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 136 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TN0HZ349E7ZH34 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 900892 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 563789 | 1991–2017 |
Established 1 January 1948. Reported under HMDA 1991-2025.
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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