All Western Mortgage Rates, Fees & Info

Henderson, NV

LEI: 549300D0TGZMG03GNM36

Tax ID: 88-0209429

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Mortgage Data

Review & 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 by origination volume include: Las Vegas, Reno, Phoenix, Denver, and San Francisco among others. We have data for 108 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. All Western Mortgage is typically an average 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.

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

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.90% 3/28/24
30 Year Conventional Refi 6.44% 3/28/24
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

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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

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

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) 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.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, All Western Mortgage's most frequently originated type of loan was Conventional, with 3,905 originations. Their 2nd most popular type was FHA, with 560 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, All Western Mortgage's most frequently cited loan purpose was Home Purchase, with 2,475 originations. The 2nd most popular reason was 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 2021, All Western Mortgage's most frequently cited loan duration was 30 Year, with 4,712 originations. The 2nd most popular length was 15 Year, with 65 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost 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 470 $157,170,000 $334,404
    $5k+ 313 $158,095,000 $505,096
    $4k-5k 217 $79,735,000 $367,442

    All Western Mortgage's average total fees were $5,266, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.44%, while their most frequently originated rate bucket for loans was 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 or Islander 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
    99.69%

    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
    84.69%

    All Western Mortgage has a below average pick rate.

    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%