One Reverse Mortgage, LLC Mortgage Lending & HMDA Data, 2019
In 2019, One Reverse Mortgage, LLC of San Diego, CA reported 5,780 mortgage applications totaling $1.2 billion, up 11% from 2018. The average application was for $214,282, and applicants reported an average income of $34,228. 51% of its applications resulted in an originated loan and 44% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (307), Houston-The Woodlands-Sugar Land, TX (155) and Denver-Aurora-Lakewood, CO (143) (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 | 5,780 |
| Total Mortgage Loan Application Amount | $1,238,550,000 |
| Average Mortgage Loan Application Amount | $214,282 |
| Highest Mortgage Loan Application Amount | $3,605,000 |
| Average Applicant Income | $34,228 |
| Highest Applicant Income | $420,000 |
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records One Reverse Mortgage, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for One Reverse Mortgage, LLC in 2019
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 |
|---|---|---|---|---|---|---|
| Refinancing | 5,542 | $1,181,170,000 | $213,000 | $3,605,000 | $34,000 | $420,000 |
| Cash-out Refinancing | 131 | $29,445,000 | $224,000 | $515,000 | $33,000 | $148,000 |
| Home Purchase | 57 | $11,575,000 | $203,000 | $415,000 | $41,000 | $103,000 |
| Other Purpose | 38 | $13,620,000 | $358,000 | $1,365,000 | $61,000 | $334,000 |
| Home Improvement | 12 | $2,740,000 | $228,000 | $635,000 | $36,000 | $81,000 |
| 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 | 4,329 | $925,015,000 | $213,000 | $2,855,000 | $34,000 | $323,000 |
| Black or African American | 763 | $131,675,000 | $172,000 | $1,125,000 | $33,000 | $259,000 |
| Hispanic | 263 | $59,105,000 | $224,000 | $1,605,000 | $35,000 | $197,000 |
| Not Provided | 214 | $63,140,000 | $295,000 | $2,365,000 | $41,000 | $420,000 |
| Asian | 97 | $31,495,000 | $324,000 | $1,765,000 | $40,000 | $205,000 |
| American Indian or Alaskan Native | 71 | $12,155,000 | $171,000 | $715,000 | $30,000 | $101,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $2,420,000 | $242,000 | $465,000 | $31,000 | $49,000 |
| 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) | 5,276 | $922,370,000 | $174,000 | $545,000 | $32,000 | $420,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 504 | $316,180,000 | $627,000 | $3,605,000 | $52,000 | $334,000 |
| 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 | 2,931 | $655,255,000 | $223,000 | $3,605,000 | $35,000 | $285,000 |
| Application Denied By Financial Institution | 2,571 | $525,555,000 | $204,000 | $2,155,000 | $32,000 | $420,000 |
| Application Withdrawn By Applicant | 219 | $42,935,000 | $196,000 | $965,000 | $34,000 | $259,000 |
| Application Approved But Not Accepted | 59 | $14,805,000 | $250,000 | $1,225,000 | $33,000 | $105,000 |
| 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 | 3,209 | $712,995,000 | $222,000 | $3,605,000 | $35,000 | $285,000 |
| Collateral | 1,392 | $297,010,000 | $213,000 | $2,155,000 | $32,000 | $394,000 |
| Credit Application Incomplete | 379 | $70,725,000 | $186,000 | $1,805,000 | $32,000 | $181,000 |
| Credit History | 304 | $51,060,000 | $167,000 | $1,035,000 | $34,000 | $420,000 |
| Debt-To-Income Ratio | 231 | $42,935,000 | $185,000 | $845,000 | $24,000 | $156,000 |
| Unverifiable Information | 145 | $36,965,000 | $254,000 | $1,335,000 | $36,000 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 78 | $13,460,000 | $172,000 | $635,000 | $35,000 | $135,000 |
| Other | 40 | $13,120,000 | $328,000 | $1,415,000 | $44,000 | $334,000 |
| Employment History | 2 | $280,000 | $140,000 | $165,000 | $17,000 | $28,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into One Reverse Mortgage, LLC's 2019 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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with aggregated HMDA statistics today.
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