All Reverse Mortgage Rates, Fees & Info

ORANGE, CA

LEI: 5493007BX4I89K17ZM64

Tax ID: 20-1255434

2021 Data | 2020 Data | 2019 Data | 2018 Data


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

621

Origination Dollar Volume (All Markets)

$220,525,000

Top 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 applications
98.34%

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 origination
69.57%

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%