Ally Bank
Ally Bank received 556 applications in 2025 and made 268 mortgages, in 335 counties across 48 states. The median rate its borrowers got was 6.625% on a median loan of $305,000. Of 346 decisions, 74 were denials — 21.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300C04BJ0G297NC13 |
|---|---|
| Applications received | 556 |
| Mortgages made | 268 |
| Denied | 74 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 210 |
| Loans bought from other lenders | 23 |
| Median rate spread over the prime offer rate | 0.092 points |
| FDIC-insured bank | Yes: Ally Bank, 1 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 232 | 6.625% | $320,000 | 15.4% |
| Refinancing | 17 | 6.500% | $285,000 | 26.1% |
| Cash-out refinancing | 11 | 7.000% | $195,000 | 59.3% |
| Other purposes | 8 | Under 10 loans | Under 10 loans | 52.9% |
Where Ally Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Harris County, TX | 7 | Under 10 loans | 0.0% |
| Cook County, IL | 5 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 4 | Under 10 loans | 0.0% |
| Dallas County, TX | 4 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 3 | Under 10 loans | 25.0% |
| Contra Costa County, CA | 3 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 3 | Under 10 loans | 0.0% |
| Solano County, CA | 3 | Under 10 loans | 0.0% |
| Lake County, IL | 3 | Under 10 loans | 0.0% |
| Hennepin County, MN | 3 | Under 10 loans | 0.0% |
| Morris County, NJ | 3 | Under 10 loans | 0.0% |
| Wake County, NC | 3 | Under 10 loans | 0.0% |
| Lucas County, OH | 3 | Under 10 loans | 0.0% |
| Allegheny County, PA | 3 | Under 10 loans | 0.0% |
| Lancaster County, PA | 3 | Under 10 loans | 0.0% |
| Midland County, TX | 3 | Under 10 loans | 0.0% |
| Tarrant County, TX | 3 | Under 10 loans | 0.0% |
| Alameda County, CA | 2 | Under 10 loans | 0.0% |
| El Paso County, CO | 2 | Under 10 loans | 0.0% |
| Larimer County, CO | 2 | Under 10 loans | 0.0% |
| Capitol Planning Region, CT | 2 | Under 10 loans | 0.0% |
| South Central Connecticut Planning Region, CT | 2 | Under 10 loans | 0.0% |
| Lake County, FL | 2 | Under 10 loans | 33.3% |
| Miami-Dade County, FL | 2 | Under 10 loans | 60.0% |
| Sangamon County, IL | 2 | Under 10 loans | 0.0% |
| Monroe County, IN | 2 | Under 10 loans | 0.0% |
| Fayette County, KY | 2 | Under 10 loans | 0.0% |
| Middlesex County, MA | 2 | Under 10 loans | 0.0% |
| Wayne County, MI | 2 | Under 10 loans | 50.0% |
| Washington County, MN | 2 | Under 10 loans | 0.0% |
| Rankin County, MS | 2 | Under 10 loans | 0.0% |
| Clark County, NV | 2 | Under 10 loans | 0.0% |
| Monmouth County, NJ | 2 | Under 10 loans | 0.0% |
| Sandoval County, NM | 2 | Under 10 loans | 0.0% |
| Kings County, NY | 2 | Under 10 loans | 0.0% |
| Nassau County, NY | 2 | Under 10 loans | 0.0% |
| Suffolk County, NY | 2 | Under 10 loans | 33.3% |
| Pitt County, NC | 2 | Under 10 loans | 0.0% |
| Butler County, OH | 2 | Under 10 loans | 0.0% |
| Tulsa County, OK | 2 | Under 10 loans | 33.3% |
| York County, SC | 2 | Under 10 loans | 0.0% |
| Williamson County, TX | 2 | Under 10 loans | 0.0% |
| Virginia Beach city, VA | 2 | Under 10 loans | 0.0% |
| Clark County, WA | 2 | Under 10 loans | 0.0% |
| Autauga County, AL | 1 | Under 10 loans | 0.0% |
| Madison County, AL | 1 | Under 10 loans | 0.0% |
| Mobile County, AL | 1 | Under 10 loans | 0.0% |
| Yavapai County, AZ | 1 | Under 10 loans | 0.0% |
| Baxter County, AR | 1 | Under 10 loans | 0.0% |
| Pulaski County, AR | 1 | Under 10 loans | 0.0% |
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When Ally Bank’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.