All in Credit Union Mortgage Lending & HMDA Data, 2025

In 2025, All in Credit Union of Daleville, AL reported 3,033 mortgage applications totaling $385.5 million, up 29% from 2024. The average application was for $127,116, and applicants reported an average income of $123,433. 39% of its applications resulted in an originated loan and 36% were denied. Its largest markets were Dothan, AL (473), Mobile, AL (330) and Crestview-Fort Walton Beach-Destin, FL (209) (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 3,033
Total Mortgage Loan Application Amount $385,545,000
Average Mortgage Loan Application Amount $127,116
Highest Mortgage Loan Application Amount $10,125,000
Average Applicant Income $123,433
Highest Applicant Income $3,600,000

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Act (HMDA) records All in Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Metropolitan Area in 2025

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Outside any metro area 1,428 $ 192,660,000 $ 134,915 $ 110,278
Dothan, AL 473 $ 43,195,000 $ 91,321 $ 99,000
Mobile, AL 330 $ 30,770,000 $ 93,242 $ 108,000
Crestview-Fort Walton Beach-Destin, FL 209 $ 36,695,000 $ 175,574 $ 164,000
Daphne-Fairhope-Foley, AL 65 $ 7,975,000 $ 122,692 $ 123,000
Birmingham-Hoover, AL 34 $ 3,980,000 $ 117,058 $ 363,000
Montgomery, AL 27 $ 13,195,000 $ 488,703 $ 139,000
Gulfport-Biloxi-Pascagoula, MS 25 $ 1,885,000 $ 75,400 $ 99,000
Pensacola-Ferry Pass-Brent, FL 25 $ 3,975,000 $ 159,000 $ 154,000
Atlanta-Sandy Springs-Roswell, GA 24 $ 3,200,000 $ 133,333 $ 197,000
Panama City, FL 23 $ 4,785,000 $ 208,043 $ 172,000
Tampa, FL 16 $ 3,480,000 $ 217,500 $ 186,000
Memphis, TN-MS-AR 12 $ 1,480,000 $ 123,333 $ 206,333
Jacksonville, FL 10 $ 3,900,000 $ 390,000 $ 348,000
Columbus, GA-AL 9 $ 785,000 $ 87,222 $ 83,444
Tuscaloosa, AL 9 $ 515,000 $ 57,222 $ 209,000
Akron, OH 8 $ 720,000 $ 90,000 $ 210,000
Houston-The Woodlands-Sugar Land, TX 8 $ 690,000 $ 86,250 $ 184,000
Marietta, GA 8 $ 720,000 $ 90,000 $ 438,000
Lakewood-New Brunswick, NJ 7 $ 635,000 $ 90,714 $ 114,000
Auburn-Opelika, AL 6 $ 410,000 $ 68,333 $ 188,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 6 $ 710,000 $ 118,333 $ 148,000
Huntsville, AL 6 $ 650,000 $ 108,333 $ 136,000
Miami-Miami Beach-Kendall, FL 6 $ 880,000 $ 146,666 $ 144,000
Orlando-Kissimmee-Sanford, FL 6 $ 620,000 $ 103,333 $ 108,000
San Diego-Carlsbad, CA 6 $ 1,620,000 $ 270,000 $ 178,000
St. Louis, MO-IL 6 $ 130,000 $ 21,666 $ 98,500
Augusta-Richmond County, GA-SC 5 $ 215,000 $ 43,000 $ 97,200
Los Angeles-Long Beach-Glendale, CA 5 $ 515,000 $ 103,000 $ 85,000
North Port-Sarasota-Bradenton, FL 5 $ 1,255,000 $ 251,000 $ 109,000
Phoenix-Mesa-Scottsdale, AZ 5 $ 235,000 $ 47,000 $ 132,000
Port St. Lucie, FL 5 $ 285,000 $ 57,000 $ 149,000
Savannah, GA 5 $ 1,295,000 $ 259,000 $ 595,000
Tallahassee, FL 5 $ 385,000 $ 77,000 $ 83,000
Charleston-North Charleston, SC 4 $ 1,390,000 $ 347,500 $ 741,000
Chicago-Naperville, IL 4 $ 500,000 $ 125,000 $ 333,000
Cleveland, OH 4 $ 330,000 $ 82,500 $ 319,000
Columbia, SC 4 $ 390,000 $ 97,500 $ 182,000
Punta Gorda, FL 4 $ 220,000 $ 55,000 $ 105,000
Riverside-San Bernardino-Ontario, CA 4 $ 730,000 $ 182,500 $ 80,000
Arlington-Alexandria-Reston, VA-WV 3 $ 305,000 $ 101,666 $ 153,000
Cape Coral-Fort Myers, FL 3 $ 255,000 $ 85,000 $ 101,000
Dalton, GA 3 $ 515,000 $ 171,666 $ 80,000
Dayton-Springfield-Kettering, OH 3 $ 355,000 $ 118,333 $ 128,000
Fort Worth-Arlington, TX 3 $ 185,000 $ 61,666 $ 85,000
Kansas City, MO-KS 3 $ 135,000 $ 45,000 $ 111,666
Las Vegas-Henderson-Paradise, NV 3 $ 385,000 $ 128,333 $ 67,000
Macon-Bibb County, GA 3 $ 85,000 $ 28,333 $ 54,000
Ocala, FL 3 $ 135,000 $ 45,000 $ 81,000
Oklahoma City, OK 3 $ 245,000 $ 81,666 $ 235,000
Pittsburgh, PA 3 $ 185,000 $ 61,666 $ 99,000
Spokane-Spokane Valley, WA 3 $ 315,000 $ 105,000 $ 125,000
Toledo, OH 3 $ 45,000 $ 15,000 $ 66,000
Tucson, AZ 3 $ 65,000 $ 21,666 $ 82,000
Warner Robins, GA 3 $ 485,000 $ 161,666 $ 179,000
Warren-Troy-Farmington Hills, MI 3 $ 275,000 $ 91,666 $ 310,000
Albany, GA 2 $ 120,000 $ 60,000 $ 117,000
Atlantic City-Hammonton, NJ 2 $ 310,000 $ 155,000 $ 45,000
Bakersfield, CA 2 $ 160,000 $ 80,000 $ 99,000
Cambridge-Newton-Framingham, MA 2 $ 420,000 $ 210,000 $ 130,000
Canton-Massillon, OH 2 $ 260,000 $ 130,000 $ 316,000
Charlotte-Concord-Gastonia, NC-SC 2 $ 240,000 $ 120,000 $ 165,000
Chattanooga, TN-GA 2 $ 170,000 $ 85,000 $ 236,000
Dallas-Plano-Irving, TX 2 $ 240,000 $ 120,000 $ 36,000
Denver-Aurora-Lakewood, CO 2 $ 110,000 $ 55,000 $ 97,000
Detroit-Dearborn-Livonia, MI 2 $ 30,000 $ 15,000 $ 77,000
El Paso, TX 2 $ 50,000 $ 25,000 $ 111,000
Fayetteville, NC 2 $ 100,000 $ 50,000 $ 149,000
Gainesville, FL 2 $ 30,000 $ 15,000 $ 25,000
Greeley, CO 2 $ 130,000 $ 65,000 $ 253,000
Greenville-Anderson-Mauldin, SC 2 $ 30,000 $ 15,000 $ 42,000
Hartford-West Hartford-East Hartford, CT 2 $ 210,000 $ 105,000 $ 174,000
Hickory-Lenoir-Morganton, NC 2 $ 40,000 $ 20,000 $ 30,000
Hot Springs, AR 2 $ 310,000 $ 155,000 $ 72,000
Indianapolis-Carmel-Anderson, IN 2 $ 70,000 $ 35,000 $ 160,000
Lake County-Porter County-Jasper County, IN 2 $ 110,000 $ 55,000 $ 150,000
Lakeland-Winter Haven, FL 2 $ 130,000 $ 65,000 $ 120,000
McAllen-Edinburg-Mission, TX 2 $ 310,000 $ 155,000 $ 110,000
Nashville-Davidson--Murfreesboro--Franklin, TN 2 $ 60,000 $ 30,000 $ 36,000
Owensboro, KY 2 $ 110,000 $ 55,000 $ 53,000
Palm Bay-Melbourne-Titusville, FL 2 $ 70,000 $ 35,000 $ 119,000
Portland-Vancouver-Hillsboro, OR-WA 2 $ 410,000 $ 205,000 $ 110,000
Richmond, VA 2 $ 90,000 $ 45,000 $ 104,000
Sacramento--Roseville--Arden-Arcade, CA 2 $ 590,000 $ 295,000 $ 350,000
Valdosta, GA 2 $ 430,000 $ 215,000 $ 193,000
West Palm Beach-Boca Raton-Delray Beach, FL 2 $ 330,000 $ 165,000 $ 136,000
Alexandria, LA 1 $ 55,000 $ 55,000 $ 146,000
Anniston-Oxford-Jacksonville, AL 1 $ 75,000 $ 75,000 $ 143,000
Austin-Round Rock, TX 1 $ 75,000 $ 75,000 $ 185,000
Baltimore-Columbia-Towson, MD 1 $ 55,000 $ 55,000 $ 117,000
Battle Creek, MI 1 $ 55,000 $ 55,000 $ 135,000
Bellingham, WA 1 $ 205,000 $ 205,000 $ 120,000
Bend-Redmond, OR 1 $ 325,000 $ 325,000 $ 263,000
Boston, MA 1 $ 155,000 $ 155,000 $ 219,000
Bridgeport-Stamford-Norwalk, CT 1 $ 65,000 $ 65,000 $ 212,000
Brunswick, GA 1 $ 55,000 $ 55,000 $ 61,000
Cincinnati, OH-KY-IN 1 $ 35,000 $ 35,000 $ 205,000
Cleveland, TN 1 $ 15,000 $ 15,000 $ 48,000
Colorado Springs, CO 1 $ 55,000 $ 55,000 $ 20,000
Decatur, AL 1 $ 15,000 $ 15,000 $ 22,000
Deltona-Daytona Beach-Ormond Beach, FL 1 $ 35,000 $ 35,000 $ 46,000
Eau Claire, WI 1 $ 65,000 $ 65,000 $ 90,000
Elizabethtown-Fort Knox, KY 1 $ 15,000 $ 15,000 $ 1,000
Evansville, IN-KY 1 $ 75,000 $ 75,000 $ 50,000
Fayetteville-Springdale-Rogers, AR-MO 1 $ 105,000 $ 105,000 $ 45,000
Flagstaff, AZ 1 $ 15,000 $ 15,000 $ 36,000
Fond Du Lac, WI 1 $ 15,000 $ 15,000 $ 45,000
Fresno, CA 1 $ 335,000 $ 335,000 $ 170,000
Greensboro-High Point, NC 1 $ 15,000 $ 15,000 $ 1,000
Hammond, LA 1 $ 15,000 $ 15,000 $ 65,000
Hattiesburg, MS 1 $ 55,000 $ 55,000 $ 120,000
Huntington-Ashland, WV-KY-OH 1 $ 15,000 $ 15,000 $ 64,000
Jackson, MS 1 $ 25,000 $ 25,000 $ 443,000
Knoxville, TN 1 $ 205,000 $ 205,000 $ 2,000
Lafayette, LA 1 $ 15,000 $ 15,000 $ 89,000
Lexington-Fayette, KY 1 $ 15,000 $ 15,000 $ 23,000
Little Rock-North Little Rock-Conway, AR 1 $ 35,000 $ 35,000 $ 275,000
Louisville/Jefferson County, KY-IN 1 $ 15,000 $ 15,000 $ 39,000
Midland, TX 1 $ 55,000 $ 55,000 $ 135,000
Minneapolis-St. Paul-Bloomington, MN-WI 1 $ 285,000 $ 285,000 $ 228,000
Montgomery County-Bucks County-Chester County, PA 1 $ 155,000 $ 155,000 $ 125,000
Mount Vernon-Anacortes, WA 1 $ 85,000 $ 85,000 $ 128,000
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 1 $ 375,000 $ 375,000 $ 350,000
New Orleans-Metairie, LA 1 $ 35,000 $ 35,000 $ 65,000
New York-Jersey City-White Plains, NY-NJ 1 $ 255,000 $ 255,000 $ 70,000
Newark, NJ-PA 1 $ 105,000 $ 105,000 $ 616,000
Niles-Benton Harbor, MI 1 $ 45,000 $ 45,000 $ 38,000
Oakland-Hayward-Berkeley, CA 1 $ 25,000 $ 25,000 $ 95,000
Ogden-Clearfield, UT 1 $ 45,000 $ 45,000 $ 45,000
Omaha-Council Bluffs, NE-IA 1 $ 175,000 $ 175,000 $ 217,000
Oshkosh-Neenah, WI 1 $ 55,000 $ 55,000 $ 50,000
Providence-Warwick, RI-MA 1 $ 155,000 $ 155,000 $ 101,000
Raleigh, NC 1 $ 25,000 $ 25,000 $ 40,000
Reading, PA 1 $ 15,000 $ 15,000 $ 60,000
Roanoke, VA 1 $ 15,000 $ 15,000 $ 120,000
Rochester, NY 1 $ 255,000 $ 255,000 $ 38,000
Rockingham County-Strafford County, NH 1 $ 15,000 $ 15,000 $ 59,000
Salem, OR 1 $ 265,000 $ 265,000 $ 225,000
San Antonio-New Braunfels, TX 1 $ 105,000 $ 105,000 $ 50,000
San Francisco-Redwood City-South San Francisco, CA 1 $ 365,000 $ 365,000 $ 260,000
San Jose-Sunnyvale-Santa Clara, CA 1 $ 505,000 $ 505,000 $ 96,000
San Luis Obispo-Paso Robles-Arroyo Grande, CA 1 $ 315,000 $ 315,000 $ 241,000
Santa Fe, NM 1 $ 155,000 $ 155,000 $ 100,000
Sebastian-Vero Beach, FL 1 $ 25,000 $ 25,000 $ 109,000
Shreveport-Bossier City, LA 1 $ 405,000 $ 405,000 $ 0
Slidell-Mandeville-Covington, LA 1 $ 15,000 $ 15,000 $ 63,000
Spartanburg, SC 1 $ 185,000 $ 185,000 $ 123,000
Springfield, MA 1 $ 45,000 $ 45,000 $ 87,000
St. George, UT 1 $ 55,000 $ 55,000 $ 72,000
Tacoma-Lakewood, WA 1 $ 155,000 $ 155,000 $ 68,000
Terre Haute, IN 1 $ 15,000 $ 15,000 $ 35,000
Trenton, NJ 1 $ 205,000 $ 205,000 $ 251,000
Tulsa, OK 1 $ 25,000 $ 25,000 $ 150,000
Tyler, TX 1 $ 105,000 $ 105,000 $ 60,000
Virginia Beach-Norfolk-Newport News, VA-NC 1 $ 15,000 $ 15,000 $ 96,000
Washington, DC-MD 1 $ 25,000 $ 25,000 $ 50,000
Washington-Baltimore-Arlington, DC 1 $ 155,000 $ 155,000 $ 83,000
Waterloo-Cedar Falls, IA 1 $ 35,000 $ 35,000 $ 62,000
Youngstown-Warren-Boardman, OH-PA 1 $ 15,000 $ 15,000 $ 116,000
Yuba City, CA 1 $ 225,000 $ 225,000 $ 246,000

Mortgage Loan Application Detail Totals for All in Credit Union in 2025

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 1,326 $103,220,000 $77,000 $1,015,000 $115,000 $1,800,000
Home Purchase 823 $184,865,000 $224,000 $10,125,000 $133,000 $1,441,000
Home Improvement 552 $45,660,000 $82,000 $4,005,000 $128,000 $3,600,000
Cash-out Refinancing 223 $34,395,000 $154,000 $2,665,000 $135,000 $1,444,000
Refinancing 109 $17,405,000 $159,000 $715,000 $107,000 $342,000
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 1,921 $232,865,000 $121,000 $1,495,000 $122,000 $1,444,000
Black or African American 477 $48,195,000 $101,000 $805,000 $83,000 $910,000
Not Provided 398 $54,950,000 $138,000 $4,005,000 $179,000 $3,600,000
Hispanic 136 $18,870,000 $138,000 $1,145,000 $116,000 $734,000
Asian 50 $7,950,000 $159,000 $755,000 $175,000 $683,000
American Indian or Alaskan Native 27 $3,855,000 $142,000 $435,000 $78,000 $215,000
Not applicable 18 $18,590,000 $1,032,000 $10,125,000 $0 $0
Native Hawaiian or Other Pacific Islander 6 $270,000 $45,000 $105,000 $93,000 $185,000

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) 2,992 $379,610,000 $126,000 $10,125,000 $124,000 $3,600,000
FHA-insured (Federal Housing Administration) 23 $3,675,000 $159,000 $345,000 $67,000 $176,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 12 $1,540,000 $128,000 $245,000 $50,000 $100,000
VA-guaranteed (Veterans Administration) 6 $720,000 $120,000 $275,000 $53,000 $74,000

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 1,185 $155,085,000 $130,000 $10,125,000 $147,000 $1,444,000
Application Denied By Financial Institution 1,087 $92,555,000 $85,000 $4,005,000 $101,000 $3,600,000
Application Approved But Not Accepted 240 $32,570,000 $135,000 $945,000 $132,000 $1,590,000
Preapproval Denied by Financial Institution 152 $30,770,000 $202,000 $895,000 $91,000 $363,000
Application Withdrawn By Applicant 144 $27,690,000 $192,000 $1,205,000 $116,000 $815,000
File Closed For Incompleteness 127 $24,505,000 $192,000 $1,495,000 $114,000 $1,441,000
Preapproval Approved but not Accepted 98 $22,370,000 $228,000 $805,000 $143,000 $910,000
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 1,794 $262,220,000 $146,000 $10,125,000 $140,000 $1,590,000
Other 309 $29,155,000 $94,000 $4,005,000 $136,000 $3,600,000
Credit History 303 $22,665,000 $74,000 $455,000 $82,000 $1,358,000
Credit Application Incomplete 241 $24,595,000 $102,000 $895,000 $89,000 $402,000
Collateral 174 $11,190,000 $64,000 $355,000 $85,000 $425,000
Debt-To-Income Ratio 102 $22,750,000 $223,000 $685,000 $83,000 $312,000
Unverifiable Information 90 $8,970,000 $99,000 $755,000 $106,000 $420,000
Insufficient Cash (Downpayment, Closing Cost) 14 $2,830,000 $202,000 $545,000 $88,000 $432,000
Employment History 6 $1,170,000 $195,000 $395,000 $121,000 $279,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into All in Credit Union's 2025 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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