All Western Mortgage Rates, Fees & Info

Henderson, NV

LEI: 549300D0TGZMG03GNM36

Tax ID: 88-0209429

3.6 stars - out of 5 stars, based on 69 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

All Western Mortgage is a small mortgage company specializing in Home Purchase and Refi loans. All Western Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Las Vegas, Reno, Phoenix, Denver, and San Francisco among others. All Western Mortgage has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. All Western Mortgage is typically an average fee lendor.


Originations

4,807

Origination Dollar Volume (All Markets)

$1,603,095,000

Awards

ALL WESTERN MORTGAGE  30 Year Conventional Loans silver ALL WESTERN MORTGAGE  30 Year Conventional Loans silver ALL WESTERN MORTGAGE  30 Year Conventional Loans silver
Show all (3) awards

Relative Rate

All Western Mortgage 's average 30 year fixed rate mortgage of loans were 3.44%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 0.29%.

Relative Fees

All Western Mortgage 's average total fees for a 30 year fixed rate mortgage are $5,266.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2,316 $718,400,000 $310,190 $4,971 3.45%
RENO, NV (FHA|USDA|VA) 677 $260,675,000 $385,044 $5,026 3.45%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 566 $165,550,000 $292,491 $5,624 3.44%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 235 $94,415,000 $401,766 $6,129 3.38%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 94 $64,600,000 $687,234 $5,885 3.55%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 54 $28,670,000 $530,926 $7,163 3.34%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 118 $27,290,000 $231,271 $5,360 3.37%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 67 $25,815,000 $385,299 $6,743 3.47%
Edwards, CO (FHA|USDA|VA) 62 $25,030,000 $403,710 $6,494 3.47%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 51 $18,125,000 $355,392 $3,765 3.38%
GREELEY, CO (FHA|USDA|VA) 32 $11,230,000 $350,938 $5,449 3.36%
Pahrump, NV (FHA|USDA|VA) 50 $10,750,000 $215,000 $4,805 3.32%
CARSON CITY, NV (FHA|USDA|VA) 28 $10,220,000 $365,000 $4,408 3.63%
Fernley, NV (FHA|USDA|VA) 32 $9,690,000 $302,813 $5,221 3.36%
FORT COLLINS, CO (FHA|USDA|VA) 23 $7,725,000 $335,870 $5,146 3.41%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 13 $7,495,000 $576,538 $8,532 3.79%
Outside of Metro Areas 20 $6,560,000 $328,000 $6,077 3.35%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 16 $6,090,000 $380,625 $3,917 3.41%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 17 $6,075,000 $357,353 $5,402 3.56%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 15 $5,765,000 $384,333 $5,200 3.27%
SALEM, OR (FHA|USDA|VA) 17 $5,515,000 $324,412 $4,664 3.43%
COLORADO SPRINGS, CO (FHA|USDA|VA) 15 $5,435,000 $362,333 $5,213 3.72%
Gardnerville Ranchos, NV (FHA|USDA|VA) 9 $4,865,000 $540,556 $4,645 3.04%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 22 $4,370,000 $198,636 $5,280 3.15%
BOULDER, CO (FHA|USDA|VA) 11 $4,165,000 $378,636 $5,091 3.56%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 15 $4,105,000 $273,667 $5,299 3.27%
TUCSON, AZ (FHA|USDA|VA) 20 $4,040,000 $202,000 $5,447 3.60%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 12 $3,160,000 $263,333 $6,035 3.61%
Fallon, NV (FHA|USDA|VA) 7 $2,925,000 $417,857 $7,294 3.32%
STOCKTON, CA (FHA|USDA|VA) 5 $2,205,000 $441,000 $7,210 3.44%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 15 $2,165,000 $144,333 $4,482 3.20%
Glenwood Springs, CO (FHA|USDA|VA) 6 $2,090,000 $348,333 $3,614 3.61%
GREENVILLE, NC (FHA|USDA|VA) 9 $1,925,000 $213,889 $5,581 3.15%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 5 $1,805,000 $361,000 $4,232 3.12%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 6 $1,670,000 $278,333 $5,341 3.27%
FRESNO, CA (FHA|USDA|VA) 6 $1,670,000 $278,333 $3,006 3.83%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 8 $1,610,000 $201,250 $5,887 3.14%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 4 $1,470,000 $367,500 $5,378 3.34%
Klamath Falls, OR (FHA|USDA|VA) 5 $1,445,000 $289,000 $3,764 3.75%
MODESTO, CA (FHA|USDA|VA) 2 $1,410,000 $705,000 $15,110 3.31%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $1,410,000 $705,000 $5,576 4.15%
Truckee-Grass Valley, CA (FHA|USDA|VA) 3 $1,395,000 $465,000 $3,611 3.50%
PROVO-OREM, UT (FHA|USDA|VA) 4 $1,380,000 $345,000 $5,111 3.50%
Elko, NV (FHA|USDA|VA) 5 $1,255,000 $251,000 $4,079 3.10%
SALT LAKE CITY, UT (FHA|USDA|VA) 4 $1,180,000 $295,000 $2,783 3.25%
BEND, OR (FHA|USDA|VA) 4 $1,130,000 $282,500 $5,025 3.69%
RALEIGH-CARY, NC (FHA|USDA|VA) 2 $1,050,000 $525,000 $6,148 3.31%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 4 $1,040,000 $260,000 $4,001 3.44%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $955,000 $318,333 $5,646 3.96%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 3 $895,000 $298,333 $4,245 4.08%
FLAGSTAFF, AZ (FHA|USDA|VA) 3 $865,000 $288,333 $3,611 3.17%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 2 $850,000 $425,000 $5,036 3.75%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $850,000 $425,000 $8,115 3.56%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 3 $815,000 $271,667 $3,773 3.21%
SALINAS, CA (FHA|USDA|VA) 2 $800,000 $400,000 $7,245 4.00%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 4 $740,000 $185,000 $4,875 3.19%
ST. GEORGE, UT (FHA|USDA|VA) 2 $710,000 $355,000 $9,323 4.27%
Prineville, OR (FHA|USDA|VA) 2 $710,000 $355,000 $11,901 3.50%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $710,000 $355,000 $5,928 2.94%
ANN ARBOR, MI (FHA|USDA|VA) 2 $700,000 $350,000 $10,783 3.25%
EL PASO, TX (FHA|USDA|VA) 1 $675,000 $675,000 $9,675 2.63%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 4 $650,000 $162,500 $5,513 4.16%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $575,000 $191,667 $6,822 3.56%
YUBA CITY, CA (FHA|USDA|VA) 2 $570,000 $285,000 $2,531 2.88%
Blackfoot, ID (FHA|USDA|VA) 1 $545,000 $545,000 $5,189 2.63%
NAPA, CA (FHA|USDA|VA) 1 $545,000 $545,000 $3,468 3.37%
Winnemucca, NV (FHA|USDA|VA) 2 $530,000 $265,000 $4,618 3.63%
Clearlake, CA (FHA|USDA|VA) 2 $500,000 $250,000 $6,941 3.56%
VALLEJO, CA (FHA|USDA|VA) 2 $490,000 $245,000 $2,309 3.50%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $485,000 $485,000 $6,017 2.75%
Cedar City, UT (FHA|USDA|VA) 2 $480,000 $240,000 $3,849 3.31%
CaƱon City, CO (FHA|USDA|VA) 2 $470,000 $235,000 $11,493 3.85%
Oak Harbor, WA (FHA|USDA|VA) 1 $425,000 $425,000 $10,386 3.25%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $420,000 $210,000 $3,255 3.56%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $415,000 $415,000 $4,512 3.63%
BATON ROUGE, LA (FHA|USDA|VA) 3 $415,000 $138,333 $4,227 3.42%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $385,000 $385,000 $5,480 3.38%
EL CENTRO, CA (FHA|USDA|VA) 2 $380,000 $190,000 $3,592 3.37%
MONROE, MI (FHA|USDA|VA) 1 $335,000 $335,000 $12,704 4.50%
PANAMA CITY, FL (FHA|USDA|VA) 1 $325,000 $325,000 $5,446 2.25%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $295,000 $295,000 $2,827 3.25%
BELLINGHAM, WA (FHA|USDA|VA) 1 $295,000 $295,000 $4,344 3.25%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $295,000 $295,000 $3,425 3.63%
Outside of Metro Areas 1 $285,000 $285,000 $10,949 3.50%
Show Low, AZ (FHA|USDA|VA) 1 $285,000 $285,000 $7,502 3.25%
Red Bluff, CA (FHA|USDA|VA) 1 $285,000 $285,000 $8,829 2.75%
PUEBLO, CO (FHA|USDA|VA) 1 $265,000 $265,000 $4,870 2.87%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $265,000 $265,000 $7,010 3.25%
POCATELLO, ID (FHA|USDA|VA) 1 $245,000 $245,000 $8,972 4.63%
OCALA, FL (FHA|USDA|VA) 2 $240,000 $120,000 $4,428 3.81%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $225,000 $225,000 $4,635 3.38%
Breckenridge, CO (FHA|USDA|VA) 1 $225,000 $225,000 $3,516 3.25%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $225,000 $225,000 $5,399 3.38%
ANCHORAGE, AK (FHA|USDA|VA) 1 $225,000 $225,000 $2,279 2.75%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $215,000 $215,000 $7,468 3.13%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $215,000 $215,000 $2,835 3.85%
Port Angeles, WA (FHA|USDA|VA) 1 $205,000 $205,000 $5,982 3.25%
Susanville, CA (FHA|USDA|VA) 1 $195,000 $195,000 $5,406 3.00%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $195,000 $195,000 $8,191 4.00%
LAS CRUCES, NM (FHA|USDA|VA) 1 $165,000 $165,000 $3,694 3.88%
HAMMOND, LA (FHA|USDA|VA) 1 $165,000 $165,000 $5,222 3.38%
VISALIA, CA (FHA|USDA|VA) 1 $155,000 $155,000 $3,180 2.63%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $155,000 $155,000 $3,612 3.25%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $125,000 $125,000 $4,726 3.50%
Coldwater, MI (FHA|USDA|VA) 1 $105,000 $105,000 $4,892 3.38%
ABILENE, TX (FHA|USDA|VA) 1 $95,000 $95,000 $5,456 3.37%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $95,000 $95,000 $2,689 3.50%
Wilson, NC (FHA|USDA|VA) 1 $85,000 $85,000 $2,765 2.99%

All Western Mortgage 's top markets include Las Vegas, Reno, Phoenix, Denver, and San Francisco among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 3,905 $1,299,795,000 $332,854 $4,279 3.44%
FHA 560 $166,430,000 $297,196 $9,957 3.45%
VA 334 $135,330,000 $405,180 $8,357 3.42%
USDA 8 $1,540,000 $192,500 $5,710 3.33%

For the 2021 period, All Western Mortgage 's most frequently originated loan type of loans were Conventional, with 3,905 originations. Their 2nd most popular type is FHA, with 560 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 2,475 $893,145,000 $360,867 $6,367 3.44%
Refi 2,068 $628,800,000 $304,062 $3,958 3.44%
Cash Out Refi 263 $80,845,000 $307,395 $4,521 3.41%
Other 1 $305,000 $305,000 $7,073 2.63%

For the 2021, All Western Mortgage 's most frequently cited loan purpose of loans were Home Purchase, with 2,475 originations. The 2nd most popular reason of loans were Refi, with 2,068 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 4,712 $1,581,250,000 $335,579 $5,266 3.44%
15 Year 65 $15,145,000 $233,000 $3,424 3.35%
20 Year 21 $4,845,000 $230,714 $3,341 3.52%
Other 9 $1,855,000 $206,111 $3,769 3.17%

For the 2021, All Western Mortgage 's most frequently cited loan length of loans were 30 Year, with 4,712 originations. The 2nd most popular length of loans were 15 Year, with 65 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 2,075 $648,215,000 $312,393
$<1k 1,015 $339,735,000 $334,714
$2k-3k 702 $216,680,000 $308,661
$3k-4k 687 $236,905,000 $344,840
$5k+ 313 $158,095,000 $505,096

$5,266 of loans were All Western Mortgage 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 2,075 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 3,197 $1,058,555,000 $331,109
2.5-3% 1,030 $341,080,000 $331,146
4-5% 429 $155,245,000 $361,876
<2.5% 94 $28,810,000 $306,489
5-6% 50 $16,370,000 $327,400

During 2021, All Western Mortgage 's average interest rate of loans were 3.44%, while their most frequently originated rate bucket of loans were 3-4%, with 3,197 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 2,723 $801,345,000 $294,288 $5,202 3.43%
$400k-600k 1,008 $482,210,000 $478,383 $5,747 3.48%
$100k-200k 779 $123,245,000 $158,209 $3,632 3.41%
$600k-1MM 182 $136,160,000 $748,132 $8,792 3.48%
$100,000 or less 73 $5,985,000 $81,986 $3,287 3.43%
$1MM+ 42 $54,150,000 $1,289,286 $11,959 3.56%

2021 saw All Western Mortgage place emphasis on $200k-400k loans with 2,723 originations, totaling $801,345,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k-75k 1,209 $337,835,000 $279,433 $5,456 3.45%
$100k-150k 1,000 $367,550,000 $367,550 $5,231 3.45%
$75k-100k 907 $290,535,000 $320,325 $5,162 3.41%
$50k or less 729 $152,105,000 $208,649 $4,578 3.42%
$150k-250k 666 $283,300,000 $425,375 $5,079 3.47%
$250k+ 286 $167,690,000 $586,329 $6,538 3.47%

All Western Mortgage lent most frequently to those with incomes in the $50k-75k range, with 1,209 originations. The second most popular income band? $100k-150k, with 1,000 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 1,710 $572,990,000 $335,082 $5,126 3.43%
<20% 1,517 $499,335,000 $329,160 $4,467 3.45%
30-36% 794 $270,170,000 $340,264 $5,800 3.43%
37% 99 $35,065,000 $354,192 $6,482 3.52%
38% 93 $29,045,000 $312,312 $5,803 3.50%
36% 85 $28,825,000 $339,118 $5,232 3.45%
39% 74 $25,210,000 $340,676 $5,996 3.41%
40% 67 $20,945,000 $312,612 $6,184 3.28%
44% 60 $21,140,000 $352,333 $8,518 3.40%
41% 60 $18,910,000 $315,167 $6,131 3.46%
42% 56 $18,920,000 $337,857 $6,515 3.42%
45% 48 $14,290,000 $297,708 $6,216 3.42%
43% 43 $14,755,000 $343,140 $7,266 3.57%
46% 32 $10,700,000 $334,375 $7,394 3.43%
47% 19 $5,235,000 $275,526 $5,988 3.45%
48% 19 $6,875,000 $361,842 $6,210 3.48%
49% 15 $4,775,000 $318,333 $5,348 3.22%
50-60% 10 $3,190,000 $319,000 $7,723 3.27%

All Western Mortgage lent most frequently to those with DTI ratios of 20-30%, with 1,710 originations. The next most common DTI ratio? <20%, with 1,517 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 3,900 $1,299,490,000 $333,203 $5,172 3.44%
Asian 374 $128,390,000 $343,289 $5,078 3.47%
Not provided 213 $69,425,000 $325,939 $5,404 3.46%
Black 207 $67,225,000 $324,758 $5,976 3.38%
American Indian 39 $14,045,000 $360,128 $5,663 3.53%
Not applicable 41 $12,855,000 $313,537 $6,055 3.33%
Native Hawaiian 28 $10,250,000 $366,071 $6,788 3.33%
Korean 1 $505,000 $505,000 $2,175 3.37%
Asian Indian 2 $320,000 $160,000 $4,516 3.44%
Other Pacific Islander 1 $305,000 $305,000 $7,287 4.50%
Filipino 1 $285,000 $285,000 $2,368 3.63%

Approval Rates

Total approvals of all applications
99.42%

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 origination
69.55%

All Western Mortgage has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

Points and Fees

Points Originations Total Value Average Loan
NA 4,807 $1,603,095,000 $333,492

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
4,807 $1,603,095,000 $333,492

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 239 $48,575,000 $203,243 $3,419 3.43%
40-60% 757 $219,425,000 $289,861 $3,755 3.46%
60-80% 1,829 $626,945,000 $342,780 $4,471 3.42%
80-100% 1,884 $669,510,000 $355,366 $6,369 3.45%
Over 100% 76 $34,150,000 $449,342 $15,927 3.45%
Under 20% 19 $3,725,000 $196,053 $3,984 3.29%