All In Mortgage Rates, Fees & Info

Daleville, AL

LEI: 549300J4330IBZ0BBI43

Tax ID: 63-0513743

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

Review & Overview

All In is a smaller mortgage company specializing in Home Purchase and Cash Out Refi loans. All In has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Dothan, Mobile, Crestview, Enterprise, and Ozark among others. We have data for 16 markets. (Some data included below & more in-depth data is available with an active subscription.)

All In has a below 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 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.

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SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
Home Equity Line of Credit (HELOC)	6.54%	5/5/24
30 Year Conventional Purchase	6.47%	5/5/24
30 Year Conventional Refi	9.65%	5/5/24
30 Year Cash-out Refi	6.27%	5/5/24
30 Year FHA Purchase	13.54%	5/5/24
30 Year VA Purchase	9.76%	5/5/24
30 Year VA Refi	12.54%	5/5/24
30 Year USDA Purchase	9.92%	5/5/24
15 Year Conventional Purchase	6.47%	5/5/24
15 Year Conventional Refi	6.63%	5/5/24
15 Year Cash-out Refi	6.63%	5/5/24
15 Year VA Purchase	5.68%	5/5/24
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

250

Origination Dollar Volume (All Markets)

$28,530,000

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
Outside of Metro Areas	88	$8,040,000	$91,364	$1,510	5.67%
DOTHAN, AL (FHA\|USDA\|VA)	51	$7,035,000	$137,941	$2,796	4.57%
MOBILE, AL (FHA\|USDA\|VA)	32	$3,010,000	$94,063	$2,120	4.72%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	11	$2,325,000	$211,364	$4,623	4.28%
Enterprise, AL (FHA\|USDA\|VA)	22	$2,150,000	$97,727	$2,216	4.83%
Ozark, AL (FHA\|USDA\|VA)	23	$2,085,000	$90,652	$2,002	4.91%
Troy, AL (FHA\|USDA\|VA)	9	$815,000	$90,556	$2,253	4.43%
SAVANNAH, GA (FHA\|USDA\|VA)	1	$725,000	$725,000	$11,696	4.25%
PANAMA CITY, FL (FHA\|USDA\|VA)	3	$665,000	$221,667	$4,724	4.50%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA\|USDA\|VA)	3	$565,000	$188,333	$3,668	3.92%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	2	$520,000	$260,000	$5,649	4.25%
Talladega-Sylacauga, AL (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,951	4.25%
AUBURN-OPELIKA, AL (FHA\|USDA\|VA)	1	$165,000	$165,000	$3,732	4.25%
Moultrie, GA (FHA\|USDA\|VA)	1	$125,000	$125,000	$3,424	5.00%
MONTGOMERY, AL (FHA\|USDA\|VA)	1	$95,000	$95,000	$2,995	4.25%
Eufaula, AL-GA (FHA\|USDA\|VA)	1	$25,000	$25,000	$400	5.50%

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

Their top states include:

Alabama (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Georgia (FHA|USDA|VA)

Mississippi (FHA|USDA|VA)

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	236	$27,390,000	$116,059	$2,299	4.99%
HELOC	12	$920,000	$76,667	n/a	5.58%
USDA	2	$220,000	$110,000	$4,711	3.50%

For 2019, All In's most frequently originated type of loan was Conventional, with 236 originations. Their 2nd most popular type was HELOC, with 12 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	109	$17,005,000	$156,009	$3,601	4.28%
Cash Out Refi	100	$8,280,000	$82,800	$1,264	5.56%
Home Improvement	28	$1,620,000	$57,857	$697	5.67%
Refi	12	$1,590,000	$132,500	$2,415	5.23%
Other	1	$35,000	$35,000	$0	7.25%

For 2019, All In's most frequently cited loan purpose was Home Purchase, with 109 originations. The 2nd most popular reason was Cash Out Refi, with 100 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
10 Year	128	$19,460,000	$152,031	$3,259	4.49%
15 Year	106	$7,140,000	$67,358	$1,035	5.64%
Other	10	$760,000	$76,000	$0	5.40%
30 Year	6	$1,170,000	$195,000	$4,701	4.08%

For 2019, All In's most frequently cited loan duration was 10 Year, with 128 originations. The 2nd most popular length was 15 Year, with 106 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	111	$5,115,000	$46,081
$1k-2k	78	$8,920,000	$114,359
$2k-3k	33	$7,165,000	$217,121
$3k-4k	9	$2,825,000	$313,889
$4k-5k	4	$1,700,000	$425,000
$5k+	3	$1,885,000	$628,333

All In's average total fees were $4,701, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 111 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
4-5%	119	$17,085,000	$143,571
3-4%	44	$6,690,000	$152,045
5-6%	43	$2,955,000	$68,721
7-8%	22	$770,000	$35,000
6-7%	21	$1,015,000	$48,333
Over 8%	1	$15,000	$15,000

During 2019, All In's average interest rate for loans was 4.08%, while their most frequently originated rate bucket for loans was 4-5%, with 119 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100,000 or less	143	$7,465,000	$52,203	$1,039	5.51%
$100k-200k	70	$9,610,000	$137,286	$3,077	4.31%
$200k-400k	30	$7,870,000	$262,333	$4,967	4.32%
$400k-600k	5	$2,225,000	$445,000	$7,075	4.40%
$600k-1MM	2	$1,360,000	$680,000	$11,476	4.25%

2019 saw All In place emphasis on $100,000 or less loans with 143 originations, totaling $7,465,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	67	$7,285,000	$108,731	$2,156	4.98%
$50k-75k	64	$6,330,000	$98,906	$2,157	5.00%
$75k-100k	43	$4,605,000	$107,093	$2,251	5.06%
$50k or less	42	$3,080,000	$73,333	$1,552	5.18%
$150k-250k	24	$5,090,000	$212,083	$4,044	5.02%
$250k+	10	$2,140,000	$214,000	$4,216	4.15%

All In lent most frequently to those with incomes in the $100k-150k range, with 67 originations. The second most popular income band? $50k-75k, with 64 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	75	$8,285,000	$110,467	$2,254	4.96%
<20%	45	$3,515,000	$78,111	$1,734	5.06%
30-36%	44	$6,560,000	$149,091	$2,812	4.60%
43%	11	$1,165,000	$105,909	$2,383	5.29%
50-60%	9	$1,085,000	$120,556	$2,317	5.28%
40%	8	$1,060,000	$132,500	$2,574	4.85%
38%	7	$975,000	$139,286	$2,641	4.73%
37%	6	$540,000	$90,000	$1,390	5.63%
>60%	5	$575,000	$115,000	$1,856	6.10%
44%	5	$865,000	$173,000	$3,620	5.40%
45%	5	$665,000	$133,000	$3,246	4.93%
48%	5	$1,315,000	$263,000	$4,764	4.88%
36%	4	$190,000	$47,500	$1,066	5.78%
46%	4	$320,000	$80,000	$1,646	5.25%
39%	4	$420,000	$105,000	$2,472	4.34%
42%	4	$340,000	$85,000	$2,495	4.91%
49%	3	$115,000	$38,333	$915	5.83%
41%	3	$295,000	$98,333	$1,913	5.17%
47%	2	$170,000	$85,000	$1,712	5.88%

All In lent most frequently to those with DTI ratios of 20-30%, with 75 originations. The next most common DTI ratio? <20%, with 45 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	206	$24,290,000	$117,913	$2,421	4.98%
Not provided	14	$1,360,000	$97,143	$1,989	4.88%
Asian	7	$1,145,000	$163,571	$2,904	4.57%
Black	19	$1,055,000	$55,526	$1,073	5.58%
American Indian	3	$525,000	$175,000	$3,403	4.94%
Asian Indian	1	$155,000	$155,000	$3,336	3.75%

Approval Rates

Total approvals of all applications
66.52%

All In has a low approval rate. They may have poor market targeting or stringent lending standards.

Pick Rate

Approvals leading to origination
77.60%

All In has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	250	$28,530,000	$114,120

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Single Family (1-4 Units):Site-Built	250	$28,530,000	$114,120

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	40	$1,960,000	$49,000	$227	6.33%
40-60%	20	$1,400,000	$70,000	$1,305	5.07%
60-80%	42	$5,050,000	$120,238	$2,751	4.27%
80-100%	117	$19,055,000	$162,863	$3,484	4.42%
Under 20%	31	$1,065,000	$34,355	$100	6.44%