All In Mortgage Rates, Fees & Info
Daleville, ALLEI: 549300J4330IBZ0BBI43
Tax ID: 63-0513743
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Mortgage Data
Review & Overview
All In is a smaller mortgage company specializing in Other and Home Purchase loans. All In has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Dothan, Crestview, Mobile, Enterprise, and Daphne among others. We have data for 67 markets. (Some data included below & more in-depth data is available with an active subscription.)All In has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. All In 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 relatively high 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 |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.54% | 11/17/24 |
| 30 Year Conventional Purchase | 6.47% | 11/17/24 |
| 30 Year Conventional Refi | 9.65% | 11/17/24 |
| 30 Year Cash-out Refi | 6.27% | 11/17/24 |
| 30 Year FHA Purchase | 13.54% | 11/17/24 |
| 30 Year VA Purchase | 9.76% | 11/17/24 |
| 30 Year VA Refi | 12.54% | 11/17/24 |
| 30 Year USDA Purchase | 9.92% | 11/17/24 |
| 15 Year Conventional Purchase | 6.47% | 11/17/24 |
| 15 Year Conventional Refi | 6.63% | 11/17/24 |
| 15 Year Cash-out Refi | 6.63% | 11/17/24 |
| 15 Year VA Purchase | 5.68% | 11/17/24 |
| 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 In Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,127Origination Dollar Volume (All Markets)
$143,195,000Relative Rate
All In's average 30 year fixed mortgage rate was
6.65%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.17%.
Relative Fees (Closing Costs)
All In's average total fees/closing costs for a 30 year fixed rate
mortgage were $3,536.
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 $9,089.
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 |
|---|---|---|---|---|---|
| DOTHAN, AL (FHA|USDA|VA) | 226 | $17,640,000 | $78,053 | $1,397 | 8.61% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 104 | $17,400,000 | $167,308 | $3,814 | 8.48% |
| MOBILE, AL (FHA|USDA|VA) | 149 | $13,505,000 | $90,638 | $2,021 | 8.70% |
| Enterprise, AL (FHA|USDA|VA) | 142 | $13,250,000 | $93,310 | $1,906 | 8.69% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 49 | $10,045,000 | $205,000 | $1,768 | 8.89% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 44 | $9,550,000 | $217,045 | $5,785 | 8.82% |
| Cullman, AL (FHA|USDA|VA) | 29 | $8,245,000 | $284,310 | $5,626 | 8.64% |
| Ozark, AL (FHA|USDA|VA) | 99 | $7,005,000 | $70,758 | $1,794 | 8.42% |
| Outside of Metro Areas | 61 | $6,885,000 | $112,869 | $3,685 | 8.20% |
| PANAMA CITY, FL (FHA|USDA|VA) | 29 | $6,265,000 | $216,034 | $3,026 | 8.59% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 19 | $5,855,000 | $308,158 | $0 | 9.29% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 22 | $5,640,000 | $256,364 | $5,464 | 8.49% |
| Jasper, AL (FHA|USDA|VA) | 10 | $2,860,000 | $286,000 | $6,023 | 8.55% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 11 | $2,185,000 | $198,636 | $0 | 8.84% |
| DECATUR, AL (FHA|USDA|VA) | 8 | $1,840,000 | $230,000 | $0 | 8.78% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 6 | $1,630,000 | $271,667 | $0 | 8.50% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 3 | $1,345,000 | $448,333 | $9,851 | 8.33% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 11 | $1,145,000 | $104,091 | $263 | 8.80% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 11 | $1,125,000 | $102,273 | $0 | 9.07% |
| JACKSON, MS (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $0 | 8.50% |
| Troy, AL (FHA|USDA|VA) | 12 | $820,000 | $68,333 | $1,719 | 8.40% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $0 | 7.75% |
| MONTGOMERY, AL (FHA|USDA|VA) | 8 | $590,000 | $73,750 | $2,100 | 8.50% |
| OCALA, FL (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $0 | 9.00% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 6.75% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $0 | 8.83% |
| SAVANNAH, GA (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $0 | 10.17% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 9.00% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 9.75% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 7.00% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 6 | $260,000 | $43,333 | $0 | 11.00% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 9.50% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 3 | $245,000 | $81,667 | $0 | 8.75% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 4 | $220,000 | $55,000 | $0 | 9.00% |
| Bainbridge, GA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $3,950 | 7.63% |
| Atmore, AL (FHA|USDA|VA) | 4 | $210,000 | $52,500 | $0 | 9.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 9.38% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 7.75% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,298 | 6.75% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 8.88% |
| Eufaula, AL-GA (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $0 | 8.83% |
| ROME, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 8.50% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 9.00% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 7.75% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 7.75% |
| AKRON, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 9.50% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.75% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 11.00% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.50% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 8.25% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 11.50% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.75% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 9.50% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.50% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.50% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.75% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $205 | 9.50% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.75% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 9.50% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.00% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 9.50% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.75% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.50% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $205 | 9.50% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 6.50% |
| REDDING, CA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 10.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| HELOC | 774 | $64,070,000 | $82,778 | n/a | 8.81% |
| Conventional | 352 | $79,100,000 | $224,716 | $2,564 | 8.26% |
| FHA | 1 | $25,000 | $25,000 | $0 | 9.50% |
For 2023, All In's most frequently originated type of loan was HELOC, with 774 originations. Their 2nd most popular type was Conventional, with 352 originations.
Loan Reason
For 2023, All In's most frequently cited loan purpose was Other, with 391 originations. The 2nd most popular reason was Home Improvement, with 329 originations.
Loan Duration/Length
For 2023, All In's most frequently cited loan duration was Other, with 776 originations. The 2nd most popular length was 10 Year, with 267 originations.
Origination Fees/Closing Costs
All In's average total fees were $3,536, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 59 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 757 | $94,755,000 | $125,172 |
| 7-8% | 269 | $31,125,000 | $115,706 |
| 6-7% | 92 | $15,510,000 | $168,587 |
| 5-6% | 9 | $1,805,000 | $200,556 |
During 2023, All In's average interest rate for loans was 6.65%, while their most frequently originated rate bucket for loans was Over 8%, with 757 originations.
Loan Sizing
2023 saw All In place emphasis on $100,000 or less loans with 654 originations, totaling $34,270,000 in origination value.
Applicant Income
All In lent most frequently to those with incomes in the $100k-150k range, with 245 originations. The second most popular income band? $150k-250k, with 206 originations.
Applicant Debt to Income Ratio
All In lent most frequently to those with DTI ratios of 20-30%, with 213 originations. The next most common DTI ratio? 30-36%, with 185 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications73.52%
All In has a below average approval rate.
Pick Rate
Approvals leading to origination68.23%
All In 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 |
|---|---|---|---|
| 0.0 | 1 | $45,000 | $45,000 |
| NA | 1,126 | $143,150,000 | $127,131 |