All America Bank Mortgage Rates, Fees & Info

Oklahoma City, OK

LEI: 5493005MFZ2ASTT3WX73

Tax ID: 73-0785513

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Mortgage Data

Review & Overview

All America Bank is a smaller bank specializing in Home Purchase and Refi loans. All America Bank has a high proportion of conventional loans. Their top markets by origination volume include: Oklahoma City, Lawton, Miami, Ardmore, and Stillwater among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)

All America Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.

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Originations

159

Origination Dollar Volume (All Markets)

$22,865,000

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
OKLAHOMA CITY, OK (FHA|USDA|VA) 41 $10,405,000 $253,780 $0 0.00%
LAWTON, OK (FHA|USDA|VA) 86 $8,460,000 $98,372 $0 0.00%
Outside of Metro Areas 28 $2,690,000 $96,071 $0 0.00%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $785,000 $785,000 $0 0.00%
Ardmore, OK (FHA|USDA|VA) 1 $365,000 $365,000 $0 0.00%
Stillwater, OK (FHA|USDA|VA) 1 $135,000 $135,000 $0 0.00%
Altus, OK (FHA|USDA|VA) 1 $25,000 $25,000 $0 0.00%
All America Bank's top markets include Oklahoma City, Lawton, Miami, Ardmore, and Stillwater among others.

Their top states include:
  • Oklahoma (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 159 $22,865,000 $143,805 $0 0.00%

    For 2023, All America Bank's most frequently originated type of loan was Conventional, with 159 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 111 $13,745,000 $123,829 $0 0.00%
    Refi 39 $8,255,000 $211,667 $0 0.00%
    Home Improvement 6 $510,000 $85,000 $0 0.00%
    Other 3 $355,000 $118,333 $0 0.00%

    For 2023, All America Bank's most frequently cited loan purpose was Home Purchase, with 111 originations. The 2nd most popular reason was Refi, with 39 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 159 $22,865,000 $143,805 $0 0.00%

    For 2023, All America Bank's most frequently cited loan duration was Other, with 159 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 90 $5,040,000 $56,000 $0 0.00%
    $100k-200k 41 $5,535,000 $135,000 $0 0.00%
    $200k-400k 17 $5,095,000 $299,706 $0 0.00%
    $400k-600k 6 $2,950,000 $491,667 $0 0.00%
    $600k-1MM 3 $2,095,000 $698,333 $0 0.00%
    $1MM+ 2 $2,150,000 $1,075,000 $0 0.00%

    2023 saw All America Bank place emphasis on $100,000 or less loans with 90 originations, totaling $5,040,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 18 $3,470,000 $192,778 $0 0.00%
    $150k-250k 16 $2,050,000 $128,125 $0 0.00%
    $100k-150k 15 $2,035,000 $135,667 $0 0.00%
    $75k-100k 12 $1,190,000 $99,167 $0 0.00%
    $50k-75k 7 $375,000 $53,571 $0 0.00%
    $50k or less 7 $365,000 $52,143 $0 0.00%

    All America Bank lent most frequently to those with incomes in the $250k+ range, with 18 originations. The second most popular income band? $150k-250k, with 16 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 159 $22,865,000 $143,805 $0 0.00%

    All America Bank lent most frequently to those with DTI ratios of Exempt%, with 159 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 84 $13,380,000 $159,286 $0 0.00%
    White 64 $7,970,000 $124,531 $0 0.00%
    Asian 3 $685,000 $228,333 $0 0.00%
    Not provided 3 $465,000 $155,000 $0 0.00%
    Other Asian 1 $185,000 $185,000 $0 0.00%
    Black 3 $155,000 $51,667 $0 0.00%
    American Indian 1 $25,000 $25,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    96.57%

    All America Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    93.71%

    All America Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 159 $22,865,000 $143,805

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    159 $22,865,000 $143,805