All in Credit Union Mortgage Lending & HMDA Data, 2024

In 2024, All in Credit Union of Daleville, AL reported 2,355 mortgage applications totaling $296.9 million, down 1% from 2023. The average application was for $126,061, and applicants reported an average income of $131,283. 43% of its applications resulted in an originated loan and 32% were denied. Its largest markets were Dothan, AL (365), Mobile, AL (288) and Crestview-Fort Walton Beach-Destin, FL (213) (applications in parentheses).

Mortgage Company & Address All in Credit Union
238 Virginia Avenue
Daleville, AL 36322
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 2,355
Total Mortgage Loan Application Amount $296,875,000
Average Mortgage Loan Application Amount $126,061
Highest Mortgage Loan Application Amount $6,005,000
Average Applicant Income $131,283
Highest Applicant Income $6,410,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records All in Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for All in Credit Union by County in 2024

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Mobile, Alabama 288 $ 37,070,000 $ 128,715 $ 101,000
Houston, Alabama 262 $ 23,160,000 $ 88,396 $ 104,000
Coffee, Alabama 190 $ 16,130,000 $ 84,894 $ 123,000
Walton, Florida 156 $ 26,490,000 $ 169,807 $ 201,000
Dale, Alabama 139 $ 10,495,000 $ 75,503 $ 110,000
Covington, Alabama 85 $ 6,165,000 $ 72,529 $ 76,000
Geneva, Alabama 72 $ 5,080,000 $ 70,555 $ 100,000
Okaloosa, Florida 57 $ 7,145,000 $ 125,350 $ 186,000
Baldwin, Alabama 51 $ 6,255,000 $ 122,647 $ 159,000
Henry, Alabama 31 $ 2,875,000 $ 92,741 $ 116,000
Pike, Alabama 25 $ 1,485,000 $ 59,400 $ 99,000
Bay, Florida 16 $ 2,400,000 $ 150,000 $ 225,000
Jackson, Florida 16 $ 1,340,000 $ 83,750 $ 79,000
Montgomery, Alabama 15 $ 1,405,000 $ 93,666 $ 142,000
Barbour, Alabama 14 $ 1,030,000 $ 73,571 $ 72,000
Manatee, Florida 13 $ 4,055,000 $ 311,923 $ 333,000
Escambia, Alabama 11 $ 915,000 $ 83,181 $ 94,000
Holmes, Florida 11 $ 905,000 $ 82,272 $ 104,000
Santa Rosa, Florida 11 $ 1,275,000 $ 115,909 $ 133,000
Conecuh, Alabama 10 $ 460,000 $ 46,000 $ 66,000
Jefferson, Alabama 10 $ 750,000 $ 75,000 $ 213,000
Lee, Florida 10 $ 1,720,000 $ 172,000 $ 249,000
Escambia, Florida 8 $ 780,000 $ 97,500 $ 94,000
George, Mississippi 8 $ 620,000 $ 77,500 $ 105,000
Flagler, Florida 7 $ 2,165,000 $ 309,285 $ 781,000
Washington, Florida 7 $ 805,000 $ 115,000 $ 64,000
Shelby, Tennessee 7 $ 495,000 $ 70,714 $ 208,000
Broward, Florida 6 $ 1,640,000 $ 273,333 $ 174,000
Chatham, Georgia 6 $ 700,000 $ 116,666 $ 125,000
Summit, Ohio 6 $ 770,000 $ 128,333 $ 136,000
Madison, Alabama 5 $ 1,245,000 $ 249,000 $ 117,000
St. Clair, Alabama 5 $ 265,000 $ 53,000 $ 124,000
Jackson, Mississippi 5 $ 615,000 $ 123,000 $ 126,000
Crenshaw, Alabama 4 $ 270,000 $ 67,500 $ 68,000
Hillsborough, Florida 4 $ 470,000 $ 117,500 $ 125,000
Fulton, Georgia 4 $ 1,160,000 $ 290,000 $ 294,000
Hamilton, Tennessee 4 $ 670,000 $ 167,500 $ 192,000
Calhoun, Alabama 3 $ 85,000 $ 28,333 $ 58,000
Elmore, Alabama 3 $ 335,000 $ 111,666 $ 132,000
Shelby, Alabama 3 $ 845,000 $ 281,666 $ 127,000
Pinal, Arizona 3 $ 15,000 $ 5,000 $ 32,000
Leon, Florida 3 $ 175,000 $ 58,333 $ 116,000
Osceola, Florida 3 $ 205,000 $ 68,333 $ 69,000
Cobb, Georgia 3 $ 265,000 $ 88,333 $ 695,000
Gwinnett, Georgia 3 $ 605,000 $ 201,666 $ 190,000
Houston, Georgia 3 $ 325,000 $ 108,333 $ 210,000
Cook, Illinois 3 $ 285,000 $ 95,000 $ 120,000
Anne Arundel, Maryland 3 $ 185,000 $ 61,666 $ 242,000
Macomb, Michigan 3 $ 145,000 $ 48,333 $ 245,000
Stark, Ohio 3 $ 375,000 $ 125,000 $ 133,000
Autauga, Alabama 2 $ 330,000 $ 165,000 $ 177,000
Lee, Alabama 2 $ 190,000 $ 95,000 $ 185,000
Anchorage, Alaska 2 $ 70,000 $ 35,000 $ 216,000
Maricopa, Arizona 2 $ 110,000 $ 55,000 $ 136,000
Riverside, California 2 $ 290,000 $ 145,000 $ 144,000
San Diego, California 2 $ 610,000 $ 305,000 $ 173,000
Gadsden, Florida 2 $ 100,000 $ 50,000 $ 112,000
Gulf, Florida 2 $ 530,000 $ 265,000 $ 131,000
Palm Beach, Florida 2 $ 50,000 $ 25,000 $ 53,000
Polk, Florida 2 $ 340,000 $ 170,000 $ 97,000
St. Lucie, Florida 2 $ 290,000 $ 145,000 $ 99,000
Barrow, Georgia 2 $ 140,000 $ 70,000 $ 125,000
Effingham, Georgia 2 $ 200,000 $ 100,000 $ 149,000
Fayette, Georgia 2 $ 550,000 $ 275,000 $ 530,000
Paulding, Georgia 2 $ 70,000 $ 35,000 $ 128,000
Will, Illinois 2 $ 150,000 $ 75,000 $ 153,000
Lake, Indiana 2 $ 180,000 $ 90,000 $ 346,000
Anderson, South Carolina 2 $ 300,000 $ 150,000 $ 128,000
Charleston, South Carolina 2 $ 900,000 $ 450,000 $ 1,230,000
Richland, South Carolina 2 $ 560,000 $ 280,000 $ 232,000
Butler, Alabama 1 $ 15,000 $ 15,000 $ 83,000
Chilton, Alabama 1 $ 255,000 $ 255,000 $ 144,000
Colbert, Alabama 1 $ 145,000 $ 145,000 $ 204,000
Lamar, Alabama 1 $ 65,000 $ 65,000 $ 20,000
Marshall, Alabama 1 $ 55,000 $ 55,000 $ 400,000
Monroe, Alabama 1 $ 15,000 $ 15,000 $ 54,000
Morgan, Alabama 1 $ 75,000 $ 75,000 $ 449,000
Randolph, Alabama 1 $ 45,000 $ 45,000 $ 946,000
Russell, Alabama 1 $ 105,000 $ 105,000 $ 74,000
Talladega, Alabama 1 $ 25,000 $ 25,000 $ 109,000
Tuscaloosa, Alabama 1 $ 285,000 $ 285,000 $ 506,000
Washington, Alabama 1 $ 45,000 $ 45,000 $ 54,000
Contra Costa, California 1 $ 55,000 $ 55,000 $ 144,000
Kern, California 1 $ 35,000 $ 35,000 $ 78,000
Orange, California 1 $ 505,000 $ 505,000 $ 255,000
San Bernardino, California 1 $ 85,000 $ 85,000 $ 136,000
Solano, California 1 $ 275,000 $ 275,000 $ 91,000
Stanislaus, California 1 $ 45,000 $ 45,000 $ 150,000
Arapahoe, Colorado 1 $ 45,000 $ 45,000 $ 50,000
Capitol Planning Region, Connecticut 1 $ 155,000 $ 155,000 $ 982,000
Lower Connecticut River Valley Planning Region, Connecticut 1 $ 85,000 $ 85,000 $ 95,000
Kent, Delaware 1 $ 105,000 $ 105,000 $ 68,000
Brevard, Florida 1 $ 65,000 $ 65,000 $ 246,000
Clay, Florida 1 $ 105,000 $ 105,000 $ 222,000
Columbia, Florida 1 $ 245,000 $ 245,000 $ 91,000
Duval, Florida 1 $ 45,000 $ 45,000 $ 40,000
Lake, Florida 1 $ 15,000 $ 15,000 $ 11,000
Marion, Florida 1 $ 105,000 $ 105,000 $ 80,000
Martin, Florida 1 $ 165,000 $ 165,000 $ 194,000
Monroe, Florida 1 $ 205,000 $ 205,000 $ 168,000
Orange, Florida 1 $ 35,000 $ 35,000 $ 198,000
Sarasota, Florida 1 $ 375,000 $ 375,000 $ 306,000
Seminole, Florida 1 $ 105,000 $ 105,000 $ 131,000
St. Johns, Florida 1 $ 405,000 $ 405,000 $ 250,000
Volusia, Florida 1 $ 125,000 $ 125,000 $ 46,000
Bibb, Georgia 1 $ 25,000 $ 25,000 $ 93,000
Calhoun, Georgia 1 $ 65,000 $ 65,000 $ 98,000
Carroll, Georgia 1 $ 65,000 $ 65,000 $ 240,000
Clayton, Georgia 1 $ 35,000 $ 35,000 $ 92,000
Columbia, Georgia 1 $ 85,000 $ 85,000 $ 113,000
Coweta, Georgia 1 $ 15,000 $ 15,000 $ 72,000
Decatur, Georgia 1 $ 55,000 $ 55,000 $ 15,000
DeKalb, Georgia 1 $ 315,000 $ 315,000 $ 98,000
Dougherty, Georgia 1 $ 115,000 $ 115,000 $ 220,000
Early, Georgia 1 $ 245,000 $ 245,000 $ 109,000
Hall, Georgia 1 $ 75,000 $ 75,000 $ 177,000
Henry, Georgia 1 $ 95,000 $ 95,000 $ 133,000
Liberty, Georgia 1 $ 95,000 $ 95,000 $ 137,000
Newton, Georgia 1 $ 305,000 $ 305,000 $ 82,000
Rockdale, Georgia 1 $ 155,000 $ 155,000 $ 148,000
Vermilion, Illinois 1 $ 155,000 $ 155,000 $ 170,000
Winnebago, Illinois 1 $ 25,000 $ 25,000 $ 25,000
Marion, Indiana 1 $ 75,000 $ 75,000 $ 1,392,000
Steuben, Indiana 1 $ 175,000 $ 175,000 $ 97,000
Vigo, Indiana 1 $ 75,000 $ 75,000 $ 78,000
McPherson, Kansas 1 $ 25,000 $ 25,000 $ 102,000
Miami, Kansas 1 $ 105,000 $ 105,000 $ 241,000
Lincoln, Louisiana 1 $ 15,000 $ 15,000 $ 125,000
Plaquemines, Louisiana 1 $ 25,000 $ 25,000 $ 251,000
St. Tammany, Louisiana 1 $ 55,000 $ 55,000 $ 1,000
Prince George's, Maryland 1 $ 105,000 $ 105,000 $ 109,000
Essex, Massachusetts 1 $ 265,000 $ 265,000 $ 302,000
Bay, Michigan 1 $ 75,000 $ 75,000 $ 147,000
Jackson, Michigan 1 $ 125,000 $ 125,000 $ 69,000
Oakland, Michigan 1 $ 75,000 $ 75,000 $ 102,000
Hennepin, Minnesota 1 $ 155,000 $ 155,000 $ 114,000
Harrison, Mississippi 1 $ 105,000 $ 105,000 $ 67,000
Jones, Mississippi 1 $ 55,000 $ 55,000 $ 95,000
Lowndes, Mississippi 1 $ 35,000 $ 35,000 $ 108,000
Barry, Missouri 1 $ 55,000 $ 55,000 $ 48,000
St. Charles, Missouri 1 $ 35,000 $ 35,000 $ 52,000
St. Francois, Missouri 1 $ 205,000 $ 205,000 $ 42,000
Gallatin, Montana 1 $ 205,000 $ 205,000 $ 261,000
Bergen, New Jersey 1 $ 75,000 $ 75,000 $ 363,000
Cape May, New Jersey 1 $ 45,000 $ 45,000 $ 142,000
Mercer, New Jersey 1 $ 155,000 $ 155,000 $ 101,000
Ocean, New Jersey 1 $ 155,000 $ 155,000 $ 260,000
Somerset, New Jersey 1 $ 95,000 $ 95,000 $ 196,000
Harnett, North Carolina 1 $ 105,000 $ 105,000 $ 170,000
Cuyahoga, Ohio 1 $ 105,000 $ 105,000 $ 579,000
Lawrence, Ohio 1 $ 15,000 $ 15,000 $ 172,000
Oklahoma, Oklahoma 1 $ 95,000 $ 95,000 $ 850,000
Tulsa, Oklahoma 1 $ 335,000 $ 335,000 $ 398,000
Lancaster, Pennsylvania 1 $ 45,000 $ 45,000 $ 185,000
Schuylkill, Pennsylvania 1 $ 5,000 $ 5,000 $ 103,000
Anderson, Tennessee 1 $ 85,000 $ 85,000 $ 214,000
Bradley, Tennessee 1 $ 225,000 $ 225,000 $ 126,000
Cannon, Tennessee 1 $ 265,000 $ 265,000 $ 108,000
Davidson, Tennessee 1 $ 185,000 $ 185,000 $ 0
Lawrence, Tennessee 1 $ 285,000 $ 285,000 $ 125,000
Lewis, Tennessee 1 $ 455,000 $ 455,000 $ 108,000
Sevier, Tennessee 1 $ 55,000 $ 55,000 $ 647,000
Wilson, Tennessee 1 $ 55,000 $ 55,000 $ 93,000
Bell, Texas 1 $ 75,000 $ 75,000 $ 117,000
El Paso, Texas 1 $ 155,000 $ 155,000 $ 150,000
Nueces, Texas 1 $ 45,000 $ 45,000 $ 120,000
Webb, Texas 1 $ 55,000 $ 55,000 $ 250,000
Pierce, Washington 1 $ 125,000 $ 125,000 $ 164,000
Thurston, Washington 1 $ 185,000 $ 185,000 $ 416,000
Brown, Wisconsin 1 $ 65,000 $ 65,000 $ 189,000

Mortgage Loan Application Detail Totals for All in Credit Union in 2024

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Other Purpose 880 $66,790,000 $75,000 $1,105,000 $117,000 $1,476,000
Home Purchase 650 $137,890,000 $212,000 $2,175,000 $149,000 $1,973,000
Home Improvement 557 $45,385,000 $81,000 $1,295,000 $147,000 $6,410,000
Cash-out Refinancing 207 $31,545,000 $152,000 $6,005,000 $98,000 $376,000
Refinancing 61 $15,265,000 $250,000 $2,355,000 $118,000 $388,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 1,231 $157,915,000 $128,000 $2,175,000 $132,000 $6,410,000
Not Provided 528 $52,190,000 $98,000 $785,000 $135,000 $1,440,000
Black or African American 340 $27,500,000 $80,000 $825,000 $94,000 $1,973,000
Hispanic 126 $20,120,000 $159,000 $905,000 $166,000 $1,440,000
Asian 72 $18,360,000 $255,000 $615,000 $217,000 $887,000
Not applicable 30 $17,900,000 $596,000 $6,005,000 $0 $0
American Indian or Alaskan Native 26 $2,760,000 $106,000 $255,000 $104,000 $380,000
Native Hawaiian or Other Pacific Islander 2 $130,000 $65,000 $75,000 $98,000 $147,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 2,326 $292,210,000 $125,000 $6,005,000 $132,000 $6,410,000
FHA-insured (Federal Housing Administration) 12 $1,670,000 $139,000 $345,000 $85,000 $203,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 9 $1,505,000 $167,000 $305,000 $62,000 $126,000
VA-guaranteed (Veterans Administration) 8 $1,490,000 $186,000 $325,000 $137,000 $241,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 1,018 $119,570,000 $117,000 $2,355,000 $160,000 $6,410,000
Application Denied By Financial Institution 754 $64,360,000 $85,000 $6,005,000 $91,000 $1,440,000
Application Withdrawn By Applicant 238 $46,330,000 $194,000 $1,105,000 $148,000 $887,000
Preapproval Denied by Financial Institution 170 $32,330,000 $190,000 $1,045,000 $100,000 $1,973,000
Preapproval Approved but not Accepted 88 $23,220,000 $263,000 $1,605,000 $178,000 $1,001,000
File Closed For Incompleteness 67 $9,155,000 $136,000 $365,000 $121,000 $1,440,000
Application Approved But Not Accepted 20 $1,910,000 $95,000 $395,000 $91,000 $220,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 1,431 $200,185,000 $139,000 $2,355,000 $156,000 $6,410,000
Credit History 253 $18,175,000 $71,000 $825,000 $89,000 $1,973,000
Credit Application Incomplete 179 $17,925,000 $100,000 $505,000 $91,000 $959,000
Debt-To-Income Ratio 171 $26,845,000 $156,000 $805,000 $80,000 $409,000
Other 134 $19,680,000 $146,000 $6,005,000 $107,000 $411,000
Collateral 131 $8,155,000 $62,000 $455,000 $96,000 $1,440,000
Unverifiable Information 46 $4,200,000 $91,000 $585,000 $125,000 $519,000
Insufficient Cash (Downpayment, Closing Cost) 6 $1,120,000 $186,000 $305,000 $73,000 $102,000
Employment History 4 $590,000 $147,000 $285,000 $78,000 $102,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into All in Credit Union's 2024 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess All in Credit Union's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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