Applications / Mortgage Analytics / Lenders / Utah / Ally Bank
Sandy, UT · State member bank · FRS · $185 billion assets · 268 loans in 2025
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268
loans originated, 2025
556
applications, 2025
42
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ally Bank, a national lender with loans in 42 states, made just 268 home loans in 2025, 90% fewer than the year before, so its figures now describe a far smaller business than its history.
It made 268 loans in 2025, against 2,599 in 2024, 10,701 in 2020 and 19,587 in 2021. Similar lenders (state member banks making between half and twice as many loans) grew 7%. The public data do not say why. A narrower range of products could produce this pattern, and the product and county detail would show which lending stopped. It also bought far fewer loans from other lenders: 23, against 8,085 in 2020.
Because peers are chosen by number of loans, Ally Bank is now set beside banks making a few hundred loans a year. Yet its 268 loans spread across 121 metros and 198 counties. The comparisons describe its 2025 mix, not its size.
Home purchases made up 86.6% of its loans, all conventional. Its typical loan, $310,000, was bigger than at about six in seven of its peers. Majority-minority neighborhoods took 20.9% of its loans, against 4.9%. Both fit lending spread across large metros such as Dallas-Fort Worth-Arlington.
Borrowers with low or moderate incomes (LMI) took 16.9% of its loans, against 28.2% at its peers, lower than at nearly nine in ten. Larger loans in large metros, which call for higher incomes, could account for much of that. Its typical rate, 6.62%, was close to the 6.75% its peers charged.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Ally Bank took 556 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 86.6% · Refinance 10.4% · Home improvement 1.5% · Other 1.5%
Conventional 100.0% · of 268 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 | 26 | 9.7% |
| Florida | 21 | 7.8% |
| California | 18 | 6.7% |
| Pennsylvania | 16 | 6.0% |
| Illinois | 15 | 5.6% |
| North Carolina | 15 | 5.6% |
| New York | 13 | 4.9% |
| New Jersey | 10 | 3.7% |
| Colorado | 8 | 3.0% |
| Indiana | 8 | 3.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 8 |
| Houston-Pasadena-The Woodlands | 8 |
| Chicago-Naperville-Schaumburg | 6 |
| Minneapolis-St. Paul-Bloomington | 6 |
| Pittsburgh | 6 |
| Newark | 5 |
| Oakland-Fremont-Berkeley | 5 |
| Charlotte-Concord-Gastonia | 4 |
| Nassau County-Suffolk County | 4 |
| New York-Jersey City-White Plains | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300C04BJ0G297NC13 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3284070 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 93284070 | 2011–2016 |
Established 2 August 2004. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Ally Bank's data.
Ally Bank's data
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