All Western Mortgage Rates, Fees & Info
Henderson, NVLEI: 549300D0TGZMG03GNM36
Tax ID: 88-0209429
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Mortgage Data
Review & Overview
All Western Mortgage is a smaller mortgage company specializing in Home Purchase and Refi loans. All Western Mortgage has a high proportion of conventional loans. Their top two markets are Las Vegas and Denver .All Western Mortgage has an above average approval rate when compared to the average across all lenders. All Western Mortgage is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.90% | 3/24/23 |
| 30 Year Conventional Refi | 6.44% | 3/24/23 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Originations
2Origination Dollar Volume (All Markets)
$670,000Awards
ALL WESTERN MORTGAGE - 2022
ALL WESTERN MORTGAGE is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Relative Rate
All Western Mortgage's average 30 year fixed mortgage rate was
3.5%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of -1.26%.
Relative Fees (Closing Costs)
All Western Mortgage's average total fees/closing costs for a 30 year fixed rate
mortgage were $3,853.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
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 |
|---|---|---|---|---|---|
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 3.75% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,853 | 3.25% |
Similar Lenders
We use machine learning to identify the top lenders compared against ALL WESTERN MORTGAGE based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 172
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 2 | $670,000 | $335,000 | $3,853 | 3.50% |
For 2022, All Western Mortgage's most frequently originated type of loan was Conventional, with 2 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 1 | $385,000 | $385,000 | $0 | 3.75% |
| Refi | 1 | $285,000 | $285,000 | $3,853 | 3.25% |
For 2022, All Western Mortgage's most frequently cited loan purpose was Home Purchase, with 1 originations. The 2nd most popular reason was Refi, with 1 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 2 | $670,000 | $335,000 | $3,853 | 3.50% |
For 2022, All Western Mortgage's most frequently cited loan duration was 30 Year, with 2 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 1 | $385,000 | $385,000 |
| $2k-3k | 1 | $285,000 | $285,000 |
All Western Mortgage's average total fees were $3,853, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 2 | $670,000 | $335,000 |
During 2022, All Western Mortgage's average interest rate for loans was 3.50%, while their most frequently originated rate bucket for loans was 3-4%, with 2 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 2 | $670,000 | $335,000 | $3,853 | 3.50% |
2022 saw All Western Mortgage place emphasis on $200k-400k loans with 2 originations, totaling $670,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $250k+ | 1 | $385,000 | $385,000 | $0 | 3.75% |
| $50k or less | 1 | $285,000 | $285,000 | $3,853 | 3.25% |
All Western Mortgage lent most frequently to those with incomes in the $250k+ range, with 1 originations. The second most popular income band? $50k or less, with 1 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30-36% | 1 | $385,000 | $385,000 | $0 | 3.75% |
| 50-60% | 1 | $285,000 | $285,000 | $3,853 | 3.25% |
All Western Mortgage lent most frequently to those with DTI ratios of 30-36%, with 1 originations. The next most common DTI ratio? 50-60%, with 1 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Asian | 1 | $385,000 | $385,000 | $0 | 3.75% |
| White | 1 | $285,000 | $285,000 | $3,853 | 3.25% |
Approval Rates
Total approvals of all applications100.00%
All Western Mortgage has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 0.0 | 1 | $385,000 | $385,000 |
| NA | 1 | $285,000 | $285,000 |