Applications / Mortgage Analytics / Lenders / Minnesota / First Alliance Credit Union
Rochester, MN · Credit union · NCUA · $301 million assets · 192 loans in 2025
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192
loans originated, 2025
462
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Alliance Credit Union, a Minnesota credit union, lends to people most lenders rarely reach: 52.0% of its loans went to low- and moderate-income borrowers, and 24.0% were for manufactured homes.
Manufactured homes took 24.0% of its loans; the typical similar lender (credit unions making between half and twice as many loans) made none. Its typical loan, $75,000, was smaller than at about four in five of them. Purchases were 33.9% of its loans.
Low- and moderate-income (LMI) borrowers took 52.0% of its loans, against 27.9% at similar lenders, more than at nearly all of them. Its manufactured-home and small-loan lending fits that pattern. LMI neighborhoods took 14.1%, against 17.0%, which may reflect where its 16 counties lie.
Higher-priced loans (a rate well above the average for similar loans) were 15.1% of its lending, against 2.0% at similar lenders. Manufactured-home loans are commonly priced this way and could account for most of the difference.
It made 192 loans, up 34% from 143, while similar lenders grew 7%. In Rochester, MN, it ranked 19 of 276 lenders, and its share edged up from 1.1% to 1.2%. In 2025 it also began lending in Visalia, CA.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Alliance Credit Union took 462 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 33.9% · Refinance 26.0% · Other 23.4% · Home improvement 16.7%
Conventional 100.0% · of 192 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 |
|---|---|---|
| Minnesota | 188 | 97.9% |
| California | 4 | 2.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rochester | 149 |
| Minneapolis-St. Paul-Bloomington | 12 |
| Visalia | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900ERAT50PIMMZH17 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 828099 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562872 | 1990–2017 |
Established 1 January 1932. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Alliance Credit Union's data.
First Alliance Credit Union's data
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First 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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