# ALLIANCE CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/alliance-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ALLIANCE CREDIT UNION is a credit union, headquartered in LUBBOCK, TX, serving borrowers across 6 states, with 839 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 16% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 23% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300YHSRT5YOR5W454
- **Headquarters:** LUBBOCK, TX
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** AR, GA, MI, NM, TN, TX
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 84/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 77/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.168%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,175
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 839
- **Dollar Volume:** $207 million
- **Applications Received:** 1,176
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $246,573
- **Average Borrower Income:** $140,391
- **Average Property Value:** $290,948

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (78%)
- ⭐ **FHA Gold Superstar** (78%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 76/100 | 559 | +0.192% | $925 | Strong 😀 |
| FHA | 77/100 | 235 | +0.204% | $1,392 | Strong 😀 |
| VA | 69/100 | 34 | -0.513% | $2,733 | Strong 😀 |
| USDA | 47/100 | 10 | -0.019% | $1,648 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 516 loans, Score: 76/100 (Strong)
- Refinance: 43 loans, Score: 59/100 (Sound)

**FHA:**
- Purchase: 235 loans, Score: 77/100 (Strong)

**VA:**
- Purchase: 34 loans, Score: 69/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 77/100 | 795 | $194M | +0.165% | Strong 😀 |
| Refinance | 60/100 | 44 | $13M | +0.263% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 832 | 0.24% | 82/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Lubbock, TX | TX | 584 | 100/100 |
| Amarillo, TX | TX | 170 | 82/100 |
| Non |  | 54 | 42/100 |
| Dallas | TX | 14 | 41/100 |

## Where This Lender Ranks

ALLIANCE CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Texas for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/credit-unions/fha-loans)
- 🥇 **#1** in Lubbock, TX for Conventional Loans
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Lubbock, TX for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Lubbock, TX for USDA Loans
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Amarillo, TX Credit Unions
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Amarillo, TX for Conventional Loans
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Amarillo, TX for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Amarillo, TX for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/credit-unions/fha-loans)
- 🥇 **#1** in Amarillo, TX for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/credit-unions/va-loans)
- 🥈 **#2** in Texas Credit Unions
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Texas for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Lubbock, TX
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders)
- 🥈 **#2** in Lubbock, TX for FHA Loans
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Lubbock, TX for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/credit-unions/va-loans)
- 🥈 **#2** in Amarillo, TX
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders)
- 🥈 **#2** in Amarillo, TX for FHA Loans
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Amarillo, TX for VA Loans
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Texas for Conventional Loans
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Texas for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/credit-unions/va-loans)
- 🏆 **#4** in Lubbock, TX for VA Loans
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does ALLIANCE CREDIT UNION offer?

ALLIANCE CREDIT UNION offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ALLIANCE CREDIT UNION offer mortgages?

ALLIANCE CREDIT UNION offers mortgages in 6 states: AR, GA, MI, NM, TN, TX.

### How competitive are ALLIANCE CREDIT UNION's mortgage rates?

ALLIANCE CREDIT UNION has a pricing score of 84/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.168% above market average.

### What type of lender is ALLIANCE CREDIT UNION?

ALLIANCE CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in LUBBOCK, TX.

### What is ALLIANCE CREDIT UNION's loan approval success rate?

ALLIANCE CREDIT UNION has a pull-through score of 77/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/alliance-credit-union

### How to Cite

> "ALLIANCE CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/alliance-credit-union

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