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AIFC

All in Federal Credit Union

Credit UnionDaleville, ALHQDirectReviews near you on Google

All in Federal Credit Union has 94 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pull-through
Mediocre
1/5
closing strength
Product
Sound
3/5
Conventional
Place
Strong
4/5
Regional · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

Things to Think About

  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

All in Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Mediocre
Bottom 20% of lenders
1/5
By Loan Product· Specialization by type
Conventional
93 loans
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
60 loans
Acceptable
Bottom 40% of lenders
2/5
Refinance
34 loans
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Regional · 3 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Pull Through
Sound
Volume93
Mix98.9%
Spread
Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Acceptable
Pricing
Pull Through
Acceptable
Volume60
Mix63.8%
Spread
Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Pull Through
Sound
Volume34
Mix36.2%
Spread
Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
94
Applications
248
Volume
$20 million
Pricing & Closing
Pullthrough Rate
37.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$213,085
Avg Borrower Income
$116,543
Avg Property Value
$294,362

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

4Full-year 2024 · HMDA
4 states with loan originations
Loans originated
< 1010+None
South4
ALFLMSTN

Top Metro Areas by Place Specialization Score

Volume 25Mix 26.60% of portfolio
70/100
Strong
Volume 18Mix 19.15% of portfolio
59/100
Sound

Top States by Place Specialization Score

Alabama
Alabama
1
AlabamaState
Volume 77Mix 81.91% of portfolio
71/100
Strong
Florida
Florida
2
FloridaState
Volume 13Mix 13.83% of portfolio
42/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.