First Alliance Credit Union
First Alliance Credit Union received 462 applications in 2025 and made 192 mortgages, in 23 counties across 6 states. The median rate its borrowers got was 7.000% on a median loan of $75,000. Of 369 decisions, 161 were denials — 43.6%, most often for credit history. 153 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900ERAT50PIMMZH17 |
|---|---|
| Applications received | 462 |
| Mortgages made | 192 |
| Denied | 161 |
| Approved, not taken up | 16 |
| Withdrawn or incomplete | 93 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.885 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 65 | 7.250% | $115,000 | 60.8% |
| Refinancing | 36 | 7.000% | $80,000 | 27.8% |
| Cash-out refinancing | 14 | 6.500% | $195,000 | 12.5% |
| Other purposes | 77 | 7.000% | $55,000 | 27.4% |
Where First Alliance Credit Union lends most
The 23 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Olmsted County, MN | 114 | 7.000% | 20.4% |
| Dodge County, MN | 19 | 6.840% | 17.4% |
| Mower County, MN | 13 | 7.000% | 12.5% |
| Wabasha County, MN | 12 | 6.920% | 18.8% |
| Goodhue County, MN | 7 | Under 10 loans | 0.0% |
| Tulare County, CA | 4 | Under 10 loans | 0.0% |
| Dakota County, MN | 4 | Under 10 loans | 33.3% |
| Fillmore County, MN | 4 | Under 10 loans | 20.0% |
| Scott County, MN | 3 | Under 10 loans | 0.0% |
| Hennepin County, MN | 2 | Under 10 loans | 0.0% |
| Isanti County, MN | 2 | Under 10 loans | 0.0% |
| Rice County, MN | 2 | Under 10 loans | 0.0% |
| Steele County, MN | 2 | Under 10 loans | 0.0% |
| Winona County, MN | 2 | Under 10 loans | 50.0% |
| Cass County, MN | 1 | Under 10 loans | 0.0% |
| Washington County, MN | 1 | Under 10 loans | 0.0% |
| Madera County, CA | 0 | Under 10 loans | Not published |
| Aroostook County, ME | 0 | Under 10 loans | 100.0% |
| Anoka County, MN | 0 | Under 10 loans | 100.0% |
| Blue Earth County, MN | 0 | Under 10 loans | 100.0% |
| Chisago County, MN | 0 | Under 10 loans | Not published |
| Meeker County, MN | 0 | Under 10 loans | Not published |
| Mecklenburg County, NC | 0 | Under 10 loans | Not published |
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When First Alliance Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.