One Reverse Mortgage, LLC Mortgage Lending & HMDA Data, 2020

In 2020, One Reverse Mortgage, LLC of San Diego, CA reported 891 mortgage applications totaling $262.4 million, down 85% from 2019. The average application was for $294,539, and applicants reported an average income of $34,867. 55% of its applications resulted in an originated loan and 40% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (99), Oakland-Hayward-Berkeley, CA (39) and Denver-Aurora-Lakewood, CO (31) (applications in parentheses).

Mortgage Company & Address One Reverse Mortgage, LLC
4445 Eastgate Mall, Suite 320
San Diego, CA 92121
Tel #: available with data download
Federal Regulator * available with data download
Years 2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  
Total Number of Mortgage Applications 891
Total Mortgage Loan Application Amount $262,435,000
Average Mortgage Loan Application Amount $294,539
Highest Mortgage Loan Application Amount $3,775,000
Average Applicant Income $34,867
Highest Applicant Income $340,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records One Reverse Mortgage, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for One Reverse Mortgage, LLC by Metropolitan Area in 2020

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles-Long Beach-Glendale, CA 99 $ 52,575,000 $ 531,060 $ 37,000
Outside any metro area 73 $ 10,765,000 $ 147,465 $ 28,986
Oakland-Hayward-Berkeley, CA 39 $ 16,225,000 $ 416,025 $ 31,000
Denver-Aurora-Lakewood, CO 31 $ 8,005,000 $ 258,225 $ 31,000
Anaheim-Santa Ana-Irvine, CA 28 $ 15,130,000 $ 540,357 $ 39,000
Phoenix-Mesa-Scottsdale, AZ 27 $ 6,815,000 $ 252,407 $ 38,000
Riverside-San Bernardino-Ontario, CA 27 $ 6,475,000 $ 239,814 $ 30,000
San Diego-Carlsbad, CA 25 $ 10,705,000 $ 428,200 $ 34,000
Dallas-Plano-Irving, TX 20 $ 3,110,000 $ 155,500 $ 34,000
Miami-Miami Beach-Kendall, FL 20 $ 4,730,000 $ 236,500 $ 25,000
San Francisco-Redwood City-South San Francisco, CA 20 $ 16,560,000 $ 828,000 $ 72,000
Sacramento--Roseville--Arden-Arcade, CA 18 $ 4,740,000 $ 263,333 $ 32,000
Houston-The Woodlands-Sugar Land, TX 16 $ 2,770,000 $ 173,125 $ 36,000
Oxnard-Thousand Oaks-Ventura, CA 14 $ 5,450,000 $ 389,285 $ 45,000
West Palm Beach-Boca Raton-Delray Beach, FL 14 $ 4,760,000 $ 340,000 $ 46,000
Atlanta-Sandy Springs-Roswell, GA 13 $ 2,405,000 $ 185,000 $ 35,000
Las Vegas-Henderson-Paradise, NV 12 $ 2,850,000 $ 237,500 $ 38,000
Orlando-Kissimmee-Sanford, FL 12 $ 1,680,000 $ 140,000 $ 26,000
Warren-Troy-Farmington Hills, MI 12 $ 1,850,000 $ 154,166 $ 31,000
Deltona-Daytona Beach-Ormond Beach, FL 9 $ 1,555,000 $ 172,777 $ 23,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 9 $ 2,045,000 $ 227,222 $ 33,000
New York-Jersey City-White Plains, NY-NJ 9 $ 3,195,000 $ 355,000 $ 41,000
San Jose-Sunnyvale-Santa Clara, CA 9 $ 4,825,000 $ 536,111 $ 37,000
Charlotte-Concord-Gastonia, NC-SC 7 $ 995,000 $ 142,142 $ 38,000
Fort Collins, CO 7 $ 1,495,000 $ 213,571 $ 27,000
North Port-Sarasota-Bradenton, FL 7 $ 1,485,000 $ 212,142 $ 39,000
Portland-Vancouver-Hillsboro, OR-WA 7 $ 1,955,000 $ 279,285 $ 33,714
Tampa-St. Petersburg-Clearwater, FL 7 $ 945,000 $ 135,000 $ 36,000
Washington-Arlington-Alexandria, DC-VA-MD-WV 7 $ 3,135,000 $ 447,857 $ 30,714
Montgomery County-Bucks County-Chester County, PA 6 $ 1,460,000 $ 243,333 $ 29,000
Nassau County-Suffolk County, NY 6 $ 1,620,000 $ 270,000 $ 26,000
Santa Cruz-Watsonville, CA 6 $ 2,940,000 $ 490,000 $ 40,000
Santa Maria-Santa Barbara, CA 6 $ 4,080,000 $ 680,000 $ 55,000
Seattle-Bellevue-Everett, WA 6 $ 2,240,000 $ 373,333 $ 36,000
Austin-Round Rock, TX 5 $ 955,000 $ 191,000 $ 45,000
Charleston-North Charleston, SC 5 $ 1,255,000 $ 251,000 $ 40,000
Colorado Springs, CO 5 $ 1,025,000 $ 205,000 $ 25,000
Oklahoma City, OK 5 $ 385,000 $ 77,000 $ 31,000
Reno, NV 5 $ 845,000 $ 169,000 $ 25,000
Salt Lake City, UT 5 $ 915,000 $ 183,000 $ 16,000
San Antonio-New Braunfels, TX 5 $ 645,000 $ 129,000 $ 53,000
San Luis Obispo-Paso Robles-Arroyo Grande, CA 5 $ 1,895,000 $ 379,000 $ 30,000
Santa Rosa, CA 5 $ 1,785,000 $ 357,000 $ 38,000
Stockton-Lodi, CA 5 $ 1,185,000 $ 237,000 $ 37,000
Bakersfield, CA 4 $ 690,000 $ 172,500 $ 19,000
Baltimore-Columbia-Towson, MD 4 $ 490,000 $ 122,500 $ 17,000
Boston, MA 4 $ 880,000 $ 220,000 $ 24,000
Cambridge-Newton-Framingham, MA 4 $ 1,370,000 $ 342,500 $ 66,000
Fort Worth-Arlington, TX 4 $ 790,000 $ 197,500 $ 49,000
Jacksonville, FL 4 $ 580,000 $ 145,000 $ 20,000
Lake Havasu City-Kingman, AZ 4 $ 470,000 $ 117,500 $ 29,000
Modesto, CA 4 $ 830,000 $ 207,500 $ 32,000
New York-Newark, NY 4 $ 570,000 $ 142,500 $ 35,750
Ocala, FL 4 $ 800,000 $ 200,000 $ 25,000
Port St. Lucie, FL 4 $ 620,000 $ 155,000 $ 32,000
San Rafael, CA 4 $ 2,310,000 $ 577,500 $ 42,000
Boulder, CO 3 $ 1,435,000 $ 478,333 $ 27,000
Camden, NJ 3 $ 615,000 $ 205,000 $ 25,000
Chicago-Naperville, IL 3 $ 355,000 $ 118,333 $ 25,000
Indianapolis-Carmel-Anderson, IN 3 $ 275,000 $ 91,666 $ 27,000
Memphis, TN-MS-AR 3 $ 185,000 $ 61,666 $ 43,666
Minneapolis-St. Paul-Bloomington, MN-WI 3 $ 655,000 $ 218,333 $ 33,000
Nashville-Davidson--Murfreesboro--Franklin, TN 3 $ 515,000 $ 171,666 $ 25,000
St. Louis, MO-IL 3 $ 245,000 $ 81,666 $ 22,000
Tacoma-Lakewood, WA 3 $ 765,000 $ 255,000 $ 48,000
Tucson, AZ 3 $ 515,000 $ 171,666 $ 25,000
Urban Honolulu, HI 3 $ 2,075,000 $ 691,666 $ 161,000
Albuquerque, NM 2 $ 510,000 $ 255,000 $ 21,000
Bend-Redmond, OR 2 $ 500,000 $ 250,000 $ 42,000
Birmingham-Hoover, AL 2 $ 440,000 $ 220,000 $ 55,000
Boise City, ID 2 $ 270,000 $ 135,000 $ 49,000
Bridgeport-Stamford-Norwalk, CT 2 $ 340,000 $ 170,000 $ 31,000
Buffalo-Cheektowaga-Niagara Falls, NY 2 $ 200,000 $ 100,000 $ 26,000
Cape Coral-Fort Myers, FL 2 $ 230,000 $ 115,000 $ 25,000
Charlottesville, VA 2 $ 840,000 $ 420,000 $ 36,000
Chico, CA 2 $ 500,000 $ 250,000 $ 18,000
Cleveland-Elyria, OH 2 $ 350,000 $ 175,000 $ 55,000
Columbia, SC 2 $ 480,000 $ 240,000 $ 34,000
Columbus, OH 2 $ 210,000 $ 105,000 $ 19,000
Fresno, CA 2 $ 230,000 $ 115,000 $ 15,000
Grants Pass, OR 2 $ 380,000 $ 190,000 $ 42,000
Greenville-Anderson-Mauldin, SC 2 $ 190,000 $ 95,000 $ 22,000
Gulfport-Biloxi-Pascagoula, MS 2 $ 210,000 $ 105,000 $ 29,000
Kalamazoo-Portage, MI 2 $ 170,000 $ 85,000 $ 75,000
Kansas City, MO-KS 2 $ 140,000 $ 70,000 $ 16,000
Milwaukee-Waukesha-West Allis, WI 2 $ 240,000 $ 120,000 $ 24,000
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 2 $ 220,000 $ 110,000 $ 33,000
Pensacola-Ferry Pass-Brent, FL 2 $ 490,000 $ 245,000 $ 39,000
Philadelphia, PA 2 $ 200,000 $ 100,000 $ 20,000
Pittsburgh, PA 2 $ 350,000 $ 175,000 $ 28,000
Prescott Valley-Prescott, AZ 2 $ 560,000 $ 280,000 $ 37,000
Provo-Orem, UT 2 $ 500,000 $ 250,000 $ 65,000
Pueblo, CO 2 $ 440,000 $ 220,000 $ 31,000
Raleigh, NC 2 $ 210,000 $ 105,000 $ 25,000
Richmond, VA 2 $ 210,000 $ 105,000 $ 31,000
Salinas, CA 2 $ 1,090,000 $ 545,000 $ 46,000
Spokane-Spokane Valley, WA 2 $ 220,000 $ 110,000 $ 19,000
Springfield, MO 2 $ 320,000 $ 160,000 $ 36,000
The Villages, FL 2 $ 260,000 $ 130,000 $ 30,000
Vallejo-Fairfield, CA 2 $ 470,000 $ 235,000 $ 39,000
Virginia Beach-Norfolk-Newport News, VA-NC 2 $ 210,000 $ 105,000 $ 36,000
Winchester, VA-WV 2 $ 260,000 $ 130,000 $ 29,000
Yuba City, CA 2 $ 390,000 $ 195,000 $ 42,000
Albany, OR 1 $ 135,000 $ 135,000 $ 14,000
Albany-Schenectady-Troy, NY 1 $ 125,000 $ 125,000 $ 64,000
Allentown-Bethlehem-Easton, PA-NJ 1 $ 75,000 $ 75,000 $ 17,000
Appleton, WI 1 $ 145,000 $ 145,000 $ 34,000
Canton-Massillon, OH 1 $ 425,000 $ 425,000 $ 39,000
Cheyenne, WY 1 $ 275,000 $ 275,000 $ 71,000
Cincinnati, OH-KY-IN 1 $ 75,000 $ 75,000 $ 30,000
Corpus Christi, TX 1 $ 445,000 $ 445,000 $ 243,000
Crestview-Fort Walton Beach-Destin, FL 1 $ 135,000 $ 135,000 $ 28,000
Daphne-Fairhope-Foley, AL 1 $ 425,000 $ 425,000 $ 21,000
Dayton-Springfield-Kettering, OH 1 $ 105,000 $ 105,000 $ 26,000
Des Moines-West Des Moines, IA 1 $ 125,000 $ 125,000 $ 52,000
Detroit-Dearborn-Livonia, MI 1 $ 105,000 $ 105,000 $ 20,000
Duluth, MN-WI 1 $ 185,000 $ 185,000 $ 40,000
Durham-Chapel Hill, NC 1 $ 175,000 $ 175,000 $ 37,000
Flint, MI 1 $ 55,000 $ 55,000 $ 34,000
Florence, SC 1 $ 35,000 $ 35,000 $ 16,000
Gainesville, GA 1 $ 75,000 $ 75,000 $ 13,000
Gary, IN 1 $ 55,000 $ 55,000 $ 31,000
Glens Falls, NY 1 $ 75,000 $ 75,000 $ 14,000
Greeley, CO 1 $ 185,000 $ 185,000 $ 30,000
Hartford-West Hartford-East Hartford, CT 1 $ 115,000 $ 115,000 $ 19,000
Jackson, MS 1 $ 45,000 $ 45,000 $ 14,000
Lafayette-West Lafayette, IN 1 $ 185,000 $ 185,000 $ 58,000
Lakeland-Winter Haven, FL 1 $ 95,000 $ 95,000 $ 17,000
Lewiston-Auburn, ME 1 $ 165,000 $ 165,000 $ 59,000
Longview, TX 1 $ 65,000 $ 65,000 $ 41,000
Longview, WA 1 $ 125,000 $ 125,000 $ 50,000
Lubbock, TX 1 $ 125,000 $ 125,000 $ 31,000
Manchester-Nashua, NH 1 $ 135,000 $ 135,000 $ 22,000
Monroe, MI 1 $ 95,000 $ 95,000 $ 37,000
Montgomery, AL 1 $ 95,000 $ 95,000 $ 21,000
Morristown, TN 1 $ 225,000 $ 225,000 $ 26,000
Mount Vernon-Anacortes, WA 1 $ 325,000 $ 325,000 $ 31,000
Naples-Immokalee-Marco Island, FL 1 $ 365,000 $ 365,000 $ 9,000
New Orleans-Metairie, LA 1 $ 305,000 $ 305,000 $ 24,000
Newark, NJ-PA 1 $ 285,000 $ 285,000 $ 18,000
Ogden-Clearfield, UT 1 $ 285,000 $ 285,000 $ 39,000
Omaha-Council Bluffs, NE-IA 1 $ 105,000 $ 105,000 $ 45,000
Palm Bay-Melbourne-Titusville, FL 1 $ 75,000 $ 75,000 $ 10,000
Providence-Warwick, RI-MA 1 $ 115,000 $ 115,000 $ 18,000
Punta Gorda, FL 1 $ 135,000 $ 135,000 $ 23,000
Reading, PA 1 $ 75,000 $ 75,000 $ 23,000
Redding, CA 1 $ 175,000 $ 175,000 $ 31,000
Roanoke, VA 1 $ 55,000 $ 55,000 $ 37,000
San Angelo, TX 1 $ 105,000 $ 105,000 $ 36,000
Savannah, GA 1 $ 85,000 $ 85,000 $ 23,000
Scranton--Wilkes-Barre--Hazleton, PA 1 $ 85,000 $ 85,000 $ 25,000
Sebastian-Vero Beach, FL 1 $ 95,000 $ 95,000 $ 17,000
Sherman-Denison, TX 1 $ 75,000 $ 75,000 $ 31,000
Shreveport-Bossier City, LA 1 $ 85,000 $ 85,000 $ 17,000
St. George, UT 1 $ 215,000 $ 215,000 $ 43,000
Texarkana, TX-AR 1 $ 65,000 $ 65,000 $ 70,000
Toledo, OH 1 $ 125,000 $ 125,000 $ 33,000
Topeka, KS 1 $ 285,000 $ 285,000 $ 25,000
Tulsa, OK 1 $ 125,000 $ 125,000 $ 49,000
Twin Falls, ID 1 $ 175,000 $ 175,000 $ 16,000
Waco, TX 1 $ 235,000 $ 235,000 $ 30,000
Wichita, KS 1 $ 75,000 $ 75,000 $ 16,000
Winston-Salem, NC 1 $ 75,000 $ 75,000 $ 32,000

Mortgage Loan Application Detail Totals for One Reverse Mortgage, LLC in 2020

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Cash-out Refinancing 538 $160,320,000 $297,000 $1,675,000 $33,000 $198,000
Refinancing 193 $70,125,000 $363,000 $3,775,000 $45,000 $340,000
Other Purpose 143 $28,845,000 $201,000 $1,365,000 $29,000 $128,000
Home Improvement 12 $2,200,000 $183,000 $495,000 $28,000 $109,000
Home Purchase 5 $945,000 $189,000 $225,000 $29,000 $44,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 600 $176,320,000 $293,000 $3,775,000 $36,000 $340,000
Not Provided 120 $39,990,000 $333,000 $1,315,000 $34,000 $225,000
Black or African American 75 $17,465,000 $232,000 $935,000 $32,000 $95,000
Hispanic 63 $15,565,000 $247,000 $525,000 $30,000 $91,000
Asian 21 $10,245,000 $487,000 $1,105,000 $37,000 $146,000
American Indian or Alaskan Native 4 $290,000 $72,000 $85,000 $29,000 $35,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
FHA-insured (Federal Housing Administration) 768 $171,710,000 $223,000 $1,105,000 $31,000 $198,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 123 $90,725,000 $737,000 $3,775,000 $61,000 $340,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 486 $140,420,000 $288,000 $2,645,000 $33,000 $214,000
Application Denied By Financial Institution 353 $104,305,000 $295,000 $3,015,000 $36,000 $340,000
Application Withdrawn By Applicant 33 $12,155,000 $368,000 $3,775,000 $39,000 $232,000
Application Approved But Not Accepted 19 $5,555,000 $292,000 $1,315,000 $46,000 $225,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 538 $158,130,000 $293,000 $3,775,000 $34,000 $232,000
Collateral 135 $32,615,000 $241,000 $1,215,000 $33,000 $154,000
Unverifiable Information 63 $17,585,000 $279,000 $955,000 $34,000 $243,000
Other 49 $24,445,000 $498,000 $1,905,000 $58,000 $340,000
Credit Application Incomplete 42 $13,640,000 $324,000 $3,015,000 $33,000 $98,000
Insufficient Cash (Downpayment, Closing Cost) 25 $5,605,000 $224,000 $825,000 $34,000 $68,000
Credit History 20 $3,690,000 $184,000 $655,000 $34,000 $56,000
Debt-To-Income Ratio 19 $6,725,000 $353,000 $1,155,000 $25,000 $91,000
Employment History 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into One Reverse Mortgage, LLC's 2020 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess One Reverse Mortgage, LLC's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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