All Reverse Mortgage Rates, Fees & Info
ORANGE, CALEI: 5493007BX4I89K17ZM64
Tax ID: 20-1255434
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Overview
All Reverse Mortgage is a smaller mortgage company specializing in Refi and Cash Out Refi loans. They have a a high proportion of FHA loans. All Reverse Mortgage has an average proportion of conventional loans. Their top markets include Los Angeles, San Diego, Phoenix, San Francisco, and Seattle among others. All Reverse Mortgage has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors.Originations
621Origination Dollar Volume (All Markets)
$220,525,000Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 90 | $47,080,000 | $523,111 | $0 | 2.98% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 32 | $19,450,000 | $607,813 | $0 | 3.18% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 54 | $15,830,000 | $293,148 | $0 | 2.28% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 20 | $11,960,000 | $598,000 | $0 | 3.47% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 27 | $11,115,000 | $411,667 | $0 | 2.42% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 29 | $9,145,000 | $315,345 | $0 | 2.30% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 21 | $6,995,000 | $333,095 | $0 | 2.40% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 8 | $5,260,000 | $657,500 | $0 | 2.53% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 12 | $4,520,000 | $376,667 | $0 | 2.33% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 17 | $3,905,000 | $229,706 | $0 | 2.40% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 15 | $3,835,000 | $255,667 | $0 | 2.21% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 14 | $3,820,000 | $272,857 | $0 | 2.45% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 9 | $3,675,000 | $408,333 | $0 | 2.85% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 11 | $3,125,000 | $284,091 | $0 | 1.85% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 15 | $3,055,000 | $203,667 | $0 | 1.98% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 9 | $2,625,000 | $291,667 | $0 | 2.01% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 8 | $2,550,000 | $318,750 | $0 | 2.14% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 5 | $2,535,000 | $507,000 | $0 | 3.15% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 7 | $2,535,000 | $362,143 | $0 | 2.19% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 7 | $2,505,000 | $357,857 | $0 | 1.93% |
| SALINAS, CA (FHA|USDA|VA) | 5 | $2,485,000 | $497,000 | $0 | 2.14% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 7 | $2,475,000 | $353,571 | $0 | 2.02% |
| BOULDER, CO (FHA|USDA|VA) | 6 | $1,930,000 | $321,667 | $0 | 2.41% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 8 | $1,850,000 | $231,250 | $0 | 2.29% |
| Outside of Metro Areas | 7 | $1,805,000 | $257,857 | $0 | 2.11% |
| BEND, OR (FHA|USDA|VA) | 5 | $1,795,000 | $359,000 | $0 | 2.32% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $1,760,000 | $880,000 | $0 | 7.18% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 5 | $1,675,000 | $335,000 | $0 | 2.08% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 5 | $1,535,000 | $307,000 | $0 | 2.16% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 5 | $1,335,000 | $267,000 | $0 | 2.05% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 5 | $1,265,000 | $253,000 | $0 | 1.94% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 6 | $1,260,000 | $210,000 | $0 | 2.13% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $1,250,000 | $312,500 | $0 | 1.87% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 8 | $1,210,000 | $151,250 | $0 | 2.22% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 6 | $1,150,000 | $191,667 | $0 | 2.89% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 6 | $1,110,000 | $185,000 | $0 | 2.15% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 6 | $1,090,000 | $181,667 | $0 | 2.57% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $1,085,000 | $361,667 | $0 | 2.73% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $0 | 2.17% |
| STOCKTON, CA (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $0 | 1.73% |
| Rockport, TX (FHA|USDA|VA) | 1 | $995,000 | $995,000 | $0 | 6.50% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $0 | 2.37% |
| RICHMOND, VA (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $0 | 2.29% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $0 | 2.13% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $0 | 2.66% |
| CHICO, CA (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $0 | 1.82% |
| Montrose, CO (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $0 | 2.69% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $0 | 6.99% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $0 | 2.08% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $0 | 2.03% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $0 | 2.33% |
| SALEM, OR (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $0 | 2.56% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $0 | 5.26% |
| Port Angeles, WA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $0 | 2.48% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 2.04% |
| Aberdeen, WA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $0 | 1.90% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $0 | 1.90% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $0 | 1.91% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 1.83% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $0 | 2.47% |
| Key West, FL (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 2.19% |
| PUEBLO, CO (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $0 | 1.58% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 1.95% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $0 | 2.52% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $0 | 2.64% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 2.02% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 1.69% |
| La Grande, OR (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 2.22% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 3.31% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $0 | 2.38% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 2.02% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 2.40% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 2.21% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 1.71% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 1.84% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 3.06% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 1.86% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 7.13% |
| OCALA, FL (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 1.81% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 3.06% |
| Payson, AZ (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 2.61% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 1.99% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 1.72% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 2.49% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 1.90% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 3.31% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 1.96% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 1.70% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 1.64% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 2.49% |
| Prineville, OR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 2.21% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 3.06% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 1.81% |
| Waycross, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 2.21% |
| Sonora, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 1.70% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 1.71% |
| Sanford, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 1.57% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 2.23% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 2.13% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 2.13% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 2.32% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 1.83% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 2.22% |
| North Wilkesboro, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 1.78% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 1.70% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 2.29% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 2.32% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 2.30% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 1.90% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 2.30% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 1.84% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 2.61% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 3.06% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 3.06% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 2.36% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 2.43% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 1.93% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 2.32% |
All Reverse Mortgage 's top markets include Los Angeles, San Diego, Phoenix, San Francisco, and Seattle among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| FHA | 569 | $175,525,000 | $308,480 | $0 | 2.18% |
| Conventional | 52 | $45,000,000 | $865,385 | $0 | 5.96% |
For the 2021 period, All Reverse Mortgage 's most frequently originated loan type of loans were FHA, with 569 originations. Their 2nd most popular type is Conventional, with 52 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Refi | 305 | $103,325,000 | $338,770 | $0 | 2.31% |
| Cash Out Refi | 290 | $109,660,000 | $378,138 | $0 | 2.65% |
| Other | 15 | $4,325,000 | $288,333 | $0 | 2.88% |
| Home Purchase | 11 | $3,215,000 | $292,273 | $0 | 3.37% |
For the 2021, All Reverse Mortgage 's most frequently cited loan purpose of loans were Refi, with 305 originations. The 2nd most popular reason of loans were Cash Out Refi, with 290 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 621 | $220,525,000 | $355,113 | $0 | 2.50% |
For the 2021, All Reverse Mortgage 's most frequently cited loan length of loans were Other, with 621 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| <2.5% | 454 | $139,480,000 | $307,225 |
| 3-4% | 90 | $28,440,000 | $316,000 |
| 5-6% | 27 | $25,145,000 | $931,296 |
| 2.5-3% | 25 | $7,605,000 | $304,200 |
| 6-7% | 17 | $14,015,000 | $824,412 |
| 4-5% | 4 | $3,730,000 | $932,500 |
| 7-8% | 4 | $2,110,000 | $527,500 |
During 2021, All Reverse Mortgage 's average interest rate of loans were 0.00%, while their most frequently originated rate bucket of loans were <2.5%, with 454 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 266 | $77,220,000 | $290,301 | $0 | 2.19% |
| $400k-600k | 176 | $82,810,000 | $470,511 | $0 | 2.40% |
| $100k-200k | 118 | $18,390,000 | $155,847 | $0 | 2.24% |
| $600k-1MM | 28 | $21,510,000 | $768,214 | $0 | 5.82% |
| $100,000 or less | 20 | $1,690,000 | $84,500 | $0 | 2.31% |
| $1MM+ | 13 | $18,905,000 | $1,454,231 | $0 | 5.78% |
2021 saw All Reverse Mortgage place emphasis on $200k-400k loans with 266 originations, totaling $77,220,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $50k or less | 473 | $149,935,000 | $316,987 | $0 | 2.37% |
| $50k-75k | 94 | $40,540,000 | $431,277 | $0 | 2.78% |
| $75k-100k | 29 | $11,785,000 | $406,379 | $0 | 2.67% |
| $100k-150k | 16 | $8,610,000 | $538,125 | $0 | 3.21% |
| $150k-250k | 6 | $6,140,000 | $1,023,333 | $0 | 4.20% |
| $250k+ | 2 | $1,230,000 | $615,000 | $0 | 4.15% |
All Reverse Mortgage lent most frequently to those with incomes in the $50k or less range, with 473 originations. The second most popular income band? $50k-75k, with 94 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 551 | $195,535,000 | $354,873 | $0 | 2.50% |
| Not provided | 26 | $10,920,000 | $420,000 | $0 | 2.35% |
| Black | 28 | $7,680,000 | $274,286 | $0 | 2.77% |
| Asian | 12 | $4,960,000 | $413,333 | $0 | 2.51% |
| American Indian | 3 | $1,215,000 | $405,000 | $0 | 1.84% |
| Native Hawaiian | 1 | $215,000 | $215,000 | $0 | 2.00% |
Approval Rates
Total approvals of all applications98.34%
All Reverse Mortgage has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination69.57%
All Reverse Mortgage has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 621 | $220,525,000 | $355,113 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 621 | $220,525,000 | $355,113 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 22 | $12,800,000 | $581,818 | $0 | 2.65% |
| 40-60% | 444 | $155,540,000 | $350,315 | $0 | 2.59% |
| 60-80% | 152 | $50,840,000 | $334,474 | $0 | 2.23% |
| Under 20% | 3 | $1,345,000 | $448,333 | $0 | 2.47% |
