All Western Mortgage Rates, Fees & Info

Henderson, NV

LEI: 549300D0TGZMG03GNM36

Tax ID: 88-0209429

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    All Western Mortgage is a smaller mortgage company specializing in Home Purchase 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 by origination volume include: Las Vegas, Phoenix, San Francisco, Denver, and Reno among others. We have data for 60 markets. (Some data included below & more in-depth data is available with an active subscription.)

    All Western Mortgage has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. 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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.90% 4/18/24
    30 Year Conventional Refi 6.44% 4/18/24
    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.

    All Western Mortgage Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from All Western Mortgage. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    2,177

    Origination Dollar Volume (All Markets)

    $622,095,000

    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
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1,110 $293,300,000 $264,234 $0 5.05%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 312 $70,050,000 $224,519 $0 5.24%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 71 $45,485,000 $640,634 $0 5.02%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 125 $43,355,000 $346,840 $0 4.89%
    RENO, NV (FHA|USDA|VA) 106 $37,860,000 $357,170 $0 4.92%
    Outside of Metro Areas 114 $33,580,000 $294,561 $0 5.12%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 53 $10,195,000 $192,358 $0 4.98%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 34 $9,870,000 $290,294 $0 4.94%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 14 $7,010,000 $500,714 $0 4.88%
    GREELEY, CO (FHA|USDA|VA) 23 $6,625,000 $288,043 $0 5.06%
    Edwards, CO (FHA|USDA|VA) 15 $6,495,000 $433,000 $0 5.09%
    FORT COLLINS, CO (FHA|USDA|VA) 18 $5,820,000 $323,333 $0 4.81%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 14 $5,390,000 $385,000 $0 5.21%
    Pahrump, NV (FHA|USDA|VA) 21 $4,285,000 $204,048 $0 5.20%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 9 $3,315,000 $368,333 $0 4.81%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 7 $3,255,000 $465,000 $0 4.59%
    SALEM, OR (FHA|USDA|VA) 10 $2,750,000 $275,000 $0 4.91%
    Fernley, NV (FHA|USDA|VA) 11 $2,735,000 $248,636 $0 4.81%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 6 $2,710,000 $451,667 $0 5.35%
    Breckenridge, CO (FHA|USDA|VA) 2 $2,590,000 $1,295,000 $0 5.00%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $2,510,000 $1,255,000 $0 5.44%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 8 $2,350,000 $293,750 $0 5.09%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 15 $2,035,000 $135,667 $0 5.25%
    VALLEJO, CA (FHA|USDA|VA) 7 $2,035,000 $290,714 $0 4.64%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 7 $1,715,000 $245,000 $0 4.70%
    CARSON CITY, NV (FHA|USDA|VA) 4 $1,400,000 $350,000 $0 5.31%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 4 $1,370,000 $342,500 $0 4.81%
    Klamath Falls, OR (FHA|USDA|VA) 7 $1,345,000 $192,143 $0 5.32%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 10 $1,150,000 $115,000 $0 5.06%
    SALINAS, CA (FHA|USDA|VA) 1 $825,000 $825,000 $0 5.38%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $750,000 $375,000 $0 5.31%
    BOULDER, CO (FHA|USDA|VA) 2 $740,000 $370,000 $0 4.13%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 4 $650,000 $162,500 $0 4.94%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 2 $460,000 $230,000 $0 4.63%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $445,000 $445,000 $0 4.38%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $415,000 $415,000 $0 4.75%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $345,000 $345,000 $0 5.00%
    YUBA CITY, CA (FHA|USDA|VA) 1 $305,000 $305,000 $0 4.88%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $305,000 $305,000 $0 4.50%
    MODESTO, CA (FHA|USDA|VA) 1 $305,000 $305,000 $0 5.00%
    TUCSON, AZ (FHA|USDA|VA) 2 $300,000 $150,000 $0 4.94%
    Shelton, WA (FHA|USDA|VA) 1 $285,000 $285,000 $0 5.25%
    BAKERSFIELD, CA (FHA|USDA|VA) 1 $285,000 $285,000 $0 4.00%
    Craig, CO (FHA|USDA|VA) 1 $265,000 $265,000 $0 5.00%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.88%
    Montrose, CO (FHA|USDA|VA) 1 $245,000 $245,000 $0 4.00%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $245,000 $245,000 $0 5.13%
    NAPA, CA (FHA|USDA|VA) 1 $235,000 $235,000 $0 5.00%
    Sterling, CO (FHA|USDA|VA) 1 $195,000 $195,000 $0 4.63%
    Fallon, NV (FHA|USDA|VA) 1 $185,000 $185,000 $0 5.63%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.50%
    MADERA, CA (FHA|USDA|VA) 1 $175,000 $175,000 $0 4.88%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $175,000 $175,000 $0 5.25%
    REDDING, CA (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.25%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $145,000 $145,000 $0 5.00%
    Show Low, AZ (FHA|USDA|VA) 1 $145,000 $145,000 $0 5.25%
    EL PASO, TX (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.88%
    Nogales, AZ (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.88%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.88%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.75%
    All Western Mortgage's top markets include Las Vegas, Phoenix, San Francisco, Denver, and Reno among others.

    Their top states include:
  • Nevada (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • 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.

    People's Community Federal Credit Union
    Similarity Rank: 33
    MYPOINT Credit Union
    Similarity Rank: 55
    SOUTHERN LENDING SERVICES, LTD.
    Similarity Rank: 86
    FRONTWAVE
    Similarity Rank: 176
    LBS FINANCIAL
    Similarity Rank: 210
    El Dorado Savings Bank, F.S.B.
    Similarity Rank: 216
    Great Basin Federal Credit Union
    Similarity Rank: 220
    Cabrillo Credit Union
    Similarity Rank: 248
    Sno Falls Credit Union
    Similarity Rank: 309
    LA Financial Federal Credit Union
    Similarity Rank: 321

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,509 $448,395,000 $297,147 $0 5.12%
    FHA 497 $121,145,000 $243,753 $0 4.95%
    VA 162 $50,470,000 $311,543 $0 4.77%
    USDA 9 $2,085,000 $231,667 $0 4.81%

    For 2018, All Western Mortgage's most frequently originated type of loan was Conventional, with 1,509 originations. Their 2nd most popular type was FHA, with 497 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,797 $513,145,000 $285,556 $0 5.06%
    Cash Out Refi 286 $83,320,000 $291,329 $0 5.09%
    Refi 94 $25,630,000 $272,660 $0 4.82%

    For 2018, All Western Mortgage's most frequently cited loan purpose was Home Purchase, with 1,797 originations. The 2nd most popular reason was Cash Out Refi, with 286 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,093 $598,465,000 $285,936 $0 5.07%
    15 Year 54 $11,940,000 $221,111 $0 4.42%
    20 Year 21 $4,345,000 $206,905 $0 4.73%
    30+ year 5 $6,595,000 $1,319,000 $0 5.40%
    Other 3 $625,000 $208,333 $0 6.75%
    5 Year 1 $125,000 $125,000 $0 10.50%

    For 2018, All Western Mortgage's most frequently cited loan duration was 30 Year, with 2,093 originations. The 2nd most popular length was 15 Year, with 54 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 250 $62,550,000 $250,200
    $<1k 118 $25,950,000 $219,915
    $2k-3k 108 $32,280,000 $298,889
    $3k-4k 57 $20,355,000 $357,105
    $4k-5k 12 $5,150,000 $429,167
    $5k+ 9 $3,845,000 $427,222

    All Western Mortgage's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 250 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,167 $340,075,000 $291,410
    5-6% 910 $247,870,000 $272,385
    6-7% 48 $18,380,000 $382,917
    3-4% 40 $11,380,000 $284,500
    7-8% 7 $3,435,000 $490,714
    Over 8% 5 $955,000 $191,000

    During 2018, All Western Mortgage's average interest rate for loans was 5.07%, while their most frequently originated rate bucket for loans was 4-5%, with 1,167 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,293 $363,795,000 $281,357 $0 5.03%
    $100k-200k 531 $83,475,000 $157,203 $0 5.09%
    $400k-600k 242 $110,730,000 $457,562 $0 5.02%
    $600k-1MM 48 $34,580,000 $720,417 $0 5.04%
    $100,000 or less 46 $3,700,000 $80,435 $0 5.30%
    $1MM+ 17 $25,815,000 $1,518,529 $0 5.49%

    2018 saw All Western Mortgage place emphasis on $200k-400k loans with 1,293 originations, totaling $363,795,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 627 $155,295,000 $247,679 $0 5.02%
    $50k or less 531 $104,665,000 $197,109 $0 5.06%
    $75k-100k 398 $117,260,000 $294,623 $0 5.05%
    $100k-150k 365 $123,795,000 $339,164 $0 5.03%
    $150k-250k 178 $72,410,000 $406,798 $0 5.12%
    $250k+ 78 $48,670,000 $623,974 $0 5.14%

    All Western Mortgage lent most frequently to those with incomes in the $50k-75k range, with 627 originations. The second most popular income band? $50k or less, with 531 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 715 $208,955,000 $292,245 $0 5.03%
    30-36% 435 $125,835,000 $289,276 $0 5.05%
    <20% 427 $119,695,000 $280,316 $0 4.98%
    >60% 63 $20,155,000 $319,921 $0 5.38%
    37% 61 $16,415,000 $269,098 $0 5.09%
    41% 57 $17,895,000 $313,947 $0 5.02%
    38% 53 $15,315,000 $288,962 $0 5.09%
    36% 51 $12,925,000 $253,431 $0 5.00%
    50-60% 51 $13,955,000 $273,627 $0 5.35%
    39% 40 $11,190,000 $279,750 $0 5.11%
    40% 40 $10,260,000 $256,500 $0 4.98%
    43% 35 $9,085,000 $259,571 $0 5.11%
    44% 33 $8,935,000 $270,758 $0 5.09%
    42% 32 $8,160,000 $255,000 $0 5.05%
    46% 28 $7,350,000 $262,500 $0 5.26%
    45% 21 $6,305,000 $300,238 $0 5.10%
    47% 17 $4,965,000 $292,059 $0 5.08%
    48% 10 $2,140,000 $214,000 $0 5.16%
    49% 8 $2,560,000 $320,000 $0 5.00%

    All Western Mortgage lent most frequently to those with DTI ratios of 20-30%, with 715 originations. The next most common DTI ratio? 30-36%, with 435 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,827 $515,235,000 $282,011 $0 5.03%
    Asian 177 $59,685,000 $337,203 $0 5.12%
    Black 111 $29,985,000 $270,135 $0 5.25%
    American Indian 34 $9,260,000 $272,353 $0 5.12%
    Native Hawaiian or Islander 28 $7,930,000 $283,214 $0 5.31%

    Approval Rates

    Total approvals of all applications
    98.26%

    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
    75.15%

    All Western Mortgage has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,177 $622,095,000 $285,758

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 2,177 $622,095,000 $285,758

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 53 $9,245,000 $174,434 $0 4.97%
    40-60% 163 $45,955,000 $281,933 $0 4.94%
    60-80% 646 $194,240,000 $300,681 $0 5.13%
    80-100% 1,282 $363,320,000 $283,401 $0 5.04%
    Over 100% 28 $8,420,000 $300,714 $0 4.86%
    Under 20% 5 $915,000 $183,000 $0 4.53%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    ALL WESTERN MORTGAGE Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%