All In Mortgage Rates, Fees & Info

Daleville, AL

LEI: 549300J4330IBZ0BBI43

Tax ID: 63-0513743

5 stars - Updated: 7/11/24 - out of 5 stars, based on 34 reviews

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

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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.

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
Home Equity Line of Credit (HELOC) 6.54% 7/11/24
30 Year Conventional Purchase 6.47% 7/11/24
30 Year Conventional Refi 9.65% 7/11/24
30 Year Cash-out Refi 6.27% 7/11/24
30 Year FHA Purchase 13.54% 7/11/24
30 Year VA Purchase 9.76% 7/11/24
30 Year VA Refi 12.54% 7/11/24
30 Year USDA Purchase 9.92% 7/11/24
15 Year Conventional Purchase 6.47% 7/11/24
15 Year Conventional Refi 6.63% 7/11/24
15 Year Cash-out Refi 6.63% 7/11/24
15 Year VA Purchase 5.68% 7/11/24
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






Your Estimates

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

This is not an official calculator from All In. 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

1,127

Origination Dollar Volume (All Markets)

$143,195,000

Relative 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%
All In's top markets include Dothan, Crestview, Mobile, Enterprise, and Daphne among others.

Their top states include:
  • Alabama (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Mississippi (FHA|USDA|VA)
  • 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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Other 391 $29,665,000 $75,870 $48 8.90%
    Home Improvement 329 $25,995,000 $79,012 $108 8.68%
    Home Purchase 299 $70,795,000 $236,773 $4,227 8.32%
    Cash Out Refi 64 $8,550,000 $133,594 $3,498 8.55%
    Refi 44 $8,190,000 $186,136 $2,479 8.42%

    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

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 776 $66,130,000 $85,219 $0 8.81%
    10 Year 267 $65,415,000 $245,000 $4,837 8.31%
    15 Year 54 $4,220,000 $78,148 $396 8.60%
    30 Year 16 $3,870,000 $241,875 $3,536 6.65%
    20 Year 14 $3,560,000 $254,286 $205 8.23%

    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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 59 $6,365,000 $107,881
    $1k-2k 37 $4,455,000 $120,405
    $2k-3k 22 $5,010,000 $227,727
    $3k-4k 21 $6,425,000 $305,952
    $4k-5k 9 $3,685,000 $409,444
    $5k+ 1 $515,000 $515,000

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 654 $34,270,000 $52,401 $811 8.81%
    $200k-400k 251 $69,785,000 $278,028 $5,079 8.47%
    $100k-200k 199 $25,745,000 $129,372 $1,860 8.41%
    $400k-600k 19 $8,555,000 $450,263 $6,513 7.94%
    $1MM+ 2 $3,120,000 $1,560,000 $0 7.83%
    $600k-1MM 2 $1,720,000 $860,000 $0 7.75%

    2023 saw All In place emphasis on $100,000 or less loans with 654 originations, totaling $34,270,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 245 $26,775,000 $109,286 $1,792 8.74%
    $150k-250k 206 $32,210,000 $156,359 $2,965 8.72%
    $75k-100k 185 $16,415,000 $88,730 $2,561 8.52%
    $50k-75k 178 $12,020,000 $67,528 $964 8.52%
    $250k+ 176 $42,990,000 $244,261 $5,284 8.90%
    $50k or less 109 $6,235,000 $57,202 $1,306 8.36%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 213 $26,115,000 $122,606 $2,642 8.50%
    30-36% 185 $20,875,000 $112,838 $2,011 8.72%
    <20% 121 $16,375,000 $135,331 $5,056 8.33%
    50-60% 81 $11,055,000 $136,481 $51 8.66%
    42% 44 $4,850,000 $110,227 $1,295 8.95%
    39% 42 $4,730,000 $112,619 $1,191 8.58%
    36% 41 $4,805,000 $117,195 $2,662 8.50%
    40% 40 $5,860,000 $146,500 $3,772 8.59%
    48% 38 $4,060,000 $106,842 $0 8.76%
    41% 38 $5,480,000 $144,211 $1,566 8.59%
    43% 38 $6,760,000 $177,895 $8,170 8.88%
    38% 38 $4,950,000 $130,263 $0 8.92%
    44% 36 $4,180,000 $116,111 $2,213 8.80%
    49% 34 $3,220,000 $94,706 $1,896 8.88%
    45% 32 $4,140,000 $129,375 $0 8.93%
    47% 29 $2,915,000 $100,517 $1,137 8.86%
    46% 28 $2,890,000 $103,214 $3,055 8.58%
    37% 27 $3,575,000 $132,407 $3,052 9.00%
    >60% 5 $525,000 $105,000 $0 7.95%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 751 $90,295,000 $120,233 $2,125 8.55%
    Not provided 136 $17,270,000 $126,985 $4,957 8.95%
    Asian 63 $16,215,000 $257,381 $2,659 8.62%
    Black 150 $10,980,000 $73,200 $2,130 8.88%
    Not applicable 17 $5,835,000 $343,235 $0 8.18%
    American Indian 6 $1,460,000 $243,333 $0 9.00%
    Other Pacific Islander 4 $1,140,000 $285,000 $6,100 8.75%

    Approval Rates

    Total approvals of all applications
    73.52%

    All In has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    68.23%

    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

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,127 $143,195,000 $127,059

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 351 $31,515,000 $89,786 $514 8.76%
    40-60% 99 $14,035,000 $141,768 $1,032 8.72%
    60-80% 83 $13,845,000 $166,807 $3,605 8.02%
    80-100% 286 $69,100,000 $241,608 $4,492 8.46%
    Under 20% 308 $14,700,000 $47,727 $30 8.82%