All Reverse Mortgage Rates, Fees & Info

ORANGE, CA

LEI: 5493007BX4I89K17ZM64

Tax ID: 20-1255434

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Mortgage Data

Review & Overview

All Reverse Mortgage is a smaller mortgage company specializing in Cash Out Refi and Refi loans. They have a a high proportion of FHA loans. All Reverse Mortgage has a low ratio of conventional loans.They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Los Angeles, San Francisco, Seattle, San Diego, and Denver among others. We have data for 96 markets. (Some data included below & more in-depth data is available with an active subscription.)

All Reverse Mortgage has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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Originations

427

Origination Dollar Volume (All Markets)

$128,705,000

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 64 $32,070,000 $501,094 $0 4.62%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 26 $13,710,000 $527,308 $0 5.21%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 22 $7,880,000 $358,182 $0 3.94%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 12 $6,620,000 $551,667 $0 4.57%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 18 $6,170,000 $342,778 $0 3.93%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 23 $5,535,000 $240,652 $0 3.69%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 18 $3,640,000 $202,222 $0 3.87%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 15 $3,085,000 $205,667 $0 3.69%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 12 $3,070,000 $255,833 $0 3.62%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 5 $2,895,000 $579,000 $0 5.96%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 9 $2,345,000 $260,556 $0 3.94%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 9 $2,225,000 $247,222 $0 3.41%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 12 $2,130,000 $177,500 $0 3.76%
Outside of Metro Areas 8 $2,070,000 $258,750 $0 3.80%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 8 $2,000,000 $250,000 $0 3.49%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 7 $1,905,000 $272,143 $0 3.29%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 5 $1,605,000 $321,000 $0 3.86%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 11 $1,435,000 $130,455 $0 3.83%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 6 $1,410,000 $235,000 $0 3.63%
NAPA, CA (FHA|USDA|VA) 2 $1,190,000 $595,000 $0 5.38%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 5 $1,025,000 $205,000 $0 3.94%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 5 $915,000 $183,000 $0 3.46%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $885,000 $295,000 $0 4.08%
Glenwood Springs, CO (FHA|USDA|VA) 2 $840,000 $420,000 $0 5.23%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 4 $810,000 $202,500 $0 3.40%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 3 $795,000 $265,000 $0 3.72%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $780,000 $390,000 $0 3.28%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 5 $725,000 $145,000 $0 3.67%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 5 $725,000 $145,000 $0 3.70%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 4 $720,000 $180,000 $0 3.59%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $705,000 $235,000 $0 3.58%
JACKSONVILLE, FL (FHA|USDA|VA) 3 $655,000 $218,333 $0 3.77%
TUCSON, AZ (FHA|USDA|VA) 3 $655,000 $218,333 $0 3.53%
ASHEVILLE, NC (FHA|USDA|VA) 3 $595,000 $198,333 $0 3.84%
SALINAS, CA (FHA|USDA|VA) 2 $590,000 $295,000 $0 3.84%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 3 $585,000 $195,000 $0 3.81%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 4 $580,000 $145,000 $0 3.78%
STOCKTON, CA (FHA|USDA|VA) 3 $575,000 $191,667 $0 4.09%
COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $490,000 $245,000 $0 3.43%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $480,000 $240,000 $0 3.40%
GREELEY, CO (FHA|USDA|VA) 2 $460,000 $230,000 $0 3.81%
Oak Harbor, WA (FHA|USDA|VA) 1 $405,000 $405,000 $0 3.42%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $405,000 $135,000 $0 3.75%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $385,000 $128,333 $0 3.73%
BELLINGHAM, WA (FHA|USDA|VA) 1 $375,000 $375,000 $0 3.88%
FORT COLLINS, CO (FHA|USDA|VA) 2 $360,000 $180,000 $0 3.51%
WACO, TX (FHA|USDA|VA) 1 $355,000 $355,000 $0 4.03%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $355,000 $355,000 $0 3.46%
Ukiah, CA (FHA|USDA|VA) 1 $335,000 $335,000 $0 4.50%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 2 $330,000 $165,000 $0 3.72%
BOULDER, CO (FHA|USDA|VA) 1 $325,000 $325,000 $0 3.84%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $320,000 $160,000 $0 3.49%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $315,000 $315,000 $0 3.45%
MEDFORD, OR (FHA|USDA|VA) 2 $300,000 $150,000 $0 4.05%
BEND, OR (FHA|USDA|VA) 2 $300,000 $150,000 $0 3.60%
RICHMOND, VA (FHA|USDA|VA) 2 $280,000 $140,000 $0 3.78%
CORVALLIS, OR (FHA|USDA|VA) 1 $265,000 $265,000 $0 4.46%
Andrews, TX (FHA|USDA|VA) 1 $265,000 $265,000 $0 3.53%
FRESNO, CA (FHA|USDA|VA) 2 $250,000 $125,000 $0 3.99%
YAKIMA, WA (FHA|USDA|VA) 1 $235,000 $235,000 $0 3.46%
Wauchula, FL (FHA|USDA|VA) 1 $235,000 $235,000 $0 3.71%
Key West, FL (FHA|USDA|VA) 1 $225,000 $225,000 $0 3.51%
VALLEJO, CA (FHA|USDA|VA) 1 $225,000 $225,000 $0 3.75%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $215,000 $215,000 $0 4.21%
AMARILLO, TX (FHA|USDA|VA) 1 $195,000 $195,000 $0 3.55%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 2 $190,000 $95,000 $0 3.66%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $185,000 $185,000 $0 3.32%
CHICO, CA (FHA|USDA|VA) 1 $185,000 $185,000 $0 3.79%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $175,000 $175,000 $0 3.75%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $165,000 $165,000 $0 3.40%
Montrose, CO (FHA|USDA|VA) 1 $165,000 $165,000 $0 3.63%
PEORIA, IL (FHA|USDA|VA) 1 $165,000 $165,000 $0 3.84%
Sonora, CA (FHA|USDA|VA) 1 $165,000 $165,000 $0 3.64%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.03%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $145,000 $145,000 $0 3.36%
OCALA, FL (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.12%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $135,000 $135,000 $0 3.75%
Othello, WA (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.32%
GAINESVILLE, FL (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.70%
Granbury, TX (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.11%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.70%
MIDLAND, TX (FHA|USDA|VA) 1 $115,000 $115,000 $0 3.99%
LANCASTER, PA (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.46%
VISALIA, CA (FHA|USDA|VA) 1 $115,000 $115,000 $0 3.96%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.32%
SALEM, OR (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.39%
AKRON, OH (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.35%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.54%
WILLIAMSPORT, PA (FHA|USDA|VA) 1 $95,000 $95,000 $0 3.73%
VICTORIA, TX (FHA|USDA|VA) 1 $95,000 $95,000 $0 3.80%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $95,000 $95,000 $0 3.71%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.25%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $85,000 $85,000 $0 3.91%
Palatka, FL (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.75%
Defiance, OH (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.43%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $45,000 $45,000 $0 3.23%
All Reverse Mortgage's top markets include Los Angeles, San Francisco, Seattle, San Diego, and Denver among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    FHA 372 $89,930,000 $241,747 $0 3.68%
    Reverse Mortgage 52 $38,150,000 $733,654 $0 6.49%
    Conventional 2 $470,000 $235,000 $0 3.69%
    FHA 1 $155,000 $155,000 $0 3.71%

    For 2019, All Reverse Mortgage's most frequently originated type of loan was FHA, with 372 originations. Their 2nd most popular type was Reverse Mortgage, with 52 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 307 $90,545,000 $294,935 $0 4.02%
    Refi 99 $32,125,000 $324,495 $0 3.99%
    Home Purchase 13 $3,235,000 $248,846 $0 3.95%
    Other 7 $2,465,000 $352,143 $0 4.56%
    Home Improvement 1 $335,000 $335,000 $0 0.00%

    For 2019, All Reverse Mortgage's most frequently cited loan purpose was Cash Out Refi, with 307 originations. The 2nd most popular reason was Refi, with 99 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 427 $128,705,000 $301,417 $0 4.02%

    For 2019, All Reverse Mortgage's most frequently cited loan duration was Other, with 427 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 317 $77,605,000 $244,811
    4-5% 53 $11,665,000 $220,094
    6-7% 39 $26,425,000 $677,564
    5-6% 15 $12,145,000 $809,667
    2.5-3% 2 $530,000 $265,000

    During 2019, All Reverse Mortgage's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 3-4%, with 317 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 175 $53,355,000 $304,886 $0 3.67%
    $100k-200k 141 $20,975,000 $148,759 $0 3.74%
    $400k-600k 52 $23,870,000 $459,038 $0 4.64%
    $100,000 or less 28 $2,290,000 $81,786 $0 3.78%
    $600k-1MM 23 $17,325,000 $753,261 $0 6.60%
    $1MM+ 8 $10,890,000 $1,361,250 $0 6.19%

    2019 saw All Reverse Mortgage place emphasis on $200k-400k loans with 175 originations, totaling $53,355,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 334 $89,120,000 $266,826 $0 3.90%
    $50k-75k 55 $18,315,000 $333,000 $0 4.16%
    $100k-150k 17 $10,365,000 $609,706 $0 5.32%
    $75k-100k 15 $6,455,000 $430,333 $0 4.46%
    $150k-250k 6 $4,450,000 $741,667 $0 4.88%

    All Reverse Mortgage lent most frequently to those with incomes in the $50k or less range, with 334 originations. The second most popular income band? $50k-75k, with 55 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 395 $119,315,000 $302,063 $0 4.02%
    Asian 10 $3,330,000 $333,000 $0 4.83%
    Not provided 7 $2,315,000 $330,714 $0 4.02%
    Black 12 $2,180,000 $181,667 $0 3.54%
    Native Hawaiian or Islander 2 $1,340,000 $670,000 $0 4.42%
    American Indian 1 $225,000 $225,000 $0 3.20%

    Approval Rates

    Total approvals of all applications
    98.97%

    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
    65.57%

    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 427 $128,705,000 $301,417

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 2 $150,000 $75,000
    Single Family (1-4 Units):Site-Built 425 $128,555,000 $302,482

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 30 $14,000,000 $466,667 $0 5.18%
    40-60% 320 $94,770,000 $296,156 $0 4.02%
    60-80% 76 $19,600,000 $257,895 $0 3.57%