All One mortgage approval rate & lending review
All One decided 1,937 mortgage applications and funded 1,524 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions All One reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
All One at a glance
Approval is 8.1 points above the 72.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 75% | 262 / 350 | 99% | $285K | 260 |
| Home improvement loans | 78% | 642 / 828 | 98% | $75K | 629 |
| Cash-out refinance | 69% | 45 / 65 | 98% | $265K | 44 |
| Refinance | 88% | 583 / 663 | 97% | $115K | 568 |
All One lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 80% | $115K | 1,934 | 1,521 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where All One lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Worcester County, MA | Home improvement loans | 78% | 700 | 537 |
| Worcester County, MA | Refinance | 88% | 582 | 501 |
| Worcester County, MA | Mortgage lenders | 83% | 246 | 202 |
| Middlesex County, MA | Home improvement loans | 77% | 78 | 59 |
| Worcester County, MA | Cash-out refinance | 70% | 63 | 43 |
| Middlesex County, MA | Refinance | 84% | 51 | 42 |
| Hampden County, MA | Mortgage lenders | 45% | 47 | 21 |
The county markets where All One made the most loans. Each link opens that market with every lender ranked.
Questions about All One
What is All One's mortgage approval rate?
All One approved 80.3% of the 1,937 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.1 points above the 72.3% national rate for the same mix of loan types.
How often do borrowers take the loan All One offers?
Borrowers accepted 98% of the loans All One approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does All One make?
The typical home improvement loan loan All One made was $75K; across all loan types its typical loan ran from $75K to $285K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does All One lend?
All One decided applications in 3 of the states Fat Boy Data covers, most of them in Massachusetts, New Hampshire and Rhode Island.
Can I apply to All One directly?
Yes. All One is a bank or credit union with 11 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show All One's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how All One treats applications, then get a rate quote from the lender.