All Reverse Mortgage
All Reverse Mortgage is a HUD-approved direct lender specializing exclusively in reverse mortgages since 2004, serving homeowners aged 62+ and high-value property owners through its proprietary ARLO™ pricing engine and HECM, jumbo, and HECM for Purchase loan programs.
- Company typePrivate
- Founded2004
- HeadquartersOrange, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What All Reverse Mortgage does
All Reverse Mortgage, Inc. (ARLO™) is a privately held, HUD-approved direct lender incorporated in California and headquartered at 2019 W Chapman Ave, Orange, CA. Founded in 2004, the company specializes exclusively in reverse mortgages — originating, processing, and funding every loan in-house without brokers or intermediaries. It serves two primary customer segments: homeowners aged 62+ seeking FHA-insured HECM products, and high-value homeowners (55+ in most states, 60+ in Washington as of February 2026) with properties above FHA lending limits who require jumbo reverse mortgages up to $4,000,000. The company is licensed in 13 states spanning all major US regions and is a member of the National Reverse Mortgage Lenders Association (NRMLA).
The company's product portfolio comprises four loan programs — HECM, HECM for Purchase, Jumbo Reverse Mortgage, and HECM Refinance — supported by a proprietary technology platform branded ARLO™ (All Reverse Loan Option). ARLO™ functions as a real-time reverse mortgage pricing engine and consumer education suite, including a no-SSN/no-credit-pull calculator, line-of-credit growth projector, purchase estimator, amortization calculator with downloadable Excel reports, a mobile app on iOS/Android, a blog with CEO market commentary reaching 30,000+ weekly subscribers, and an "Ask ARLO™" searchable database of 2,000+ answered customer questions. The team originated the industry's first fixed-rate jumbo reverse mortgage in 2008.
Revenue is generated through loan origination fees, interest on outstanding balances, and FHA mortgage insurance premium pass-throughs, with loans repaid when the borrower sells the home, moves out, or passes away (non-recourse structure). The go-to-market is direct-to-consumer: SEO-optimized state landing pages, the ARLO™ pricing tool, the weekly newsletter, and a toll-free inside-sales line (800-565-1722) drive lead flow, with named loan officers handling conversion. Distribution is regional but spans 13 states; loan servicing is handled in partnership with Longbridge Financial, LLC. The company holds an A+ BBB rating with zero complaints since 2008, a 4.9/5 rating across 1,200+ verified reviews, BBB Torch Award for Ethics finalist recognition for three consecutive years, and a Top 100 HECM Lender designation for nine consecutive years.
All Reverse Mortgage firmographics
Firmographics- Name
- All Reverse Mortgage
- Legal name
- All Reverse Mortgage, Inc.
- Website
- https://reverse.mortgage
- Company type
- Private
- Founded year
- 2004
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- All Reverse Mortgage is a HUD-approved direct lender specializing exclusively in reverse mortgages since 2004, serving homeowners aged 62+ and high-value property owners through its proprietary ARLO™ pricing engine and HECM, jumbo, and HECM for Purchase loan programs.
- Ownership category
- akta.pro rank
All Reverse Mortgage industry classification
Industry- Product category
- Reverse Mortgage Lending
- NAICS
- Real Estate Credit (522292)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Reverse Mortgage Origination (HECM & Proprietary) (FSALAIAA)
- akta.pro secondary industry
- Reverse Mortgage Technology & Compliance (LOS/CRM/HECM Calculators) (FSALAIAI)
Keywords
Where All Reverse Mortgage is headquartered
LocationHeadquarters
- HQ city
- Orange
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
All Reverse Mortgage business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Reverse Mortgage Loan Origination: The company originates HECM (FHA-insured) and jumbo/proprietary reverse mortgages. Revenue is generated through loan origination fees, interest on outstanding balances, and FHA mortgage insurance premiums (MIP). Borrowers receive funds as lump sum, monthly payments, growing line of credit, or any combination. The loan is repaid when the borrower sells, moves out, or passes away.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | HECM (Home Equity Conversion Mortgage) - Standard FHA-insured reverse mortgage for homeowners 62+ |
| Other | Pay-as-you-go | Jumbo Reverse Mortgage - For properties above FHA lending limits |
| Other | Pay-as-you-go | HECM for Purchase - Buy a new home with a reverse mortgage |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels6 records
All Reverse Mortgage product offering
Product offeringCore offering
All Reverse Mortgage is a HUD-approved direct lender that originates, processes, and funds reverse mortgages in-house with no brokers or hand-offs. The company offers HECM (FHA-insured), Jumbo Reverse Mortgage (proprietary up to $4M), HECM for Purchase, and HECM Refinance products to homeowners aged 62 and older, using its proprietary ARLO™ real-time pricing engine and calculator platform to provide live rate comparisons and ZIP-accurate closing costs.
Product overview
All Reverse Mortgage, Inc. (ARLO™) operates as a HUD-approved direct lender specializing exclusively in reverse mortgages since 2004. The core product is ARLO™ — a technology platform that encompasses a suite of calculator tools (Reverse Mortgage Calculator, Line of Credit Calculator, Purchase Calculator, Amortization Calculator), a mobile app, blog content, and an interactive Q&A system. The company offers four main loan programs: HECM (the standard FHA-insured reverse mortgage), HECM for Purchase (reverse mortgage for buying a new home), Jumbo Reverse Mortgage (proprietary loans up to $4M for high-value properties), and HECM Refinance (for refinancing existing reverse mortgages). ARLO™ serves as both the technology brand and the primary customer-facing interface, integrating calculators, educational content, and loan application support into a unified experience.
Differentiator
Problem solved
Functional benefit
Products and services
- HECM (Home Equity Conversion Mortgage)
Quantifiable outcome
- 4.9/5 customer satisfaction rating from 1,200+ verified reviews
- +4 more outcomes
Companies that use All Reverse Mortgage
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
All Reverse Mortgage technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
All Reverse Mortgage partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- Longbridge Financial, LLCcoreLongbridge Financial serves as All Reverse Mortgage's loan-servaging partner. When customers request a quote or apply for a reverse mortgage, their information may be shared with Longbridge Financial to provide and service the reverse mortgage loan. Customers provide prior express written consent for All Reverse Mortgage, Inc. and Longbridge Financial to contact them at provided telephone numbers and email addresses.
- National Reverse Mortgage Lenders Association (NRMLA)coreAll Reverse Mortgage is a member of the NRMLA, the industry trade association for reverse mortgage lenders. Membership demonstrates commitment to industry standards, ethical practices, and professional development in the reverse mortgage industry.
- U.S. Department of Housing and Urban Development (HUD)coreHUD-approved direct lender since 2004. All Reverse Mortgage originates FHA-insured Home Equity Conversion Mortgages (HECMs) under HUD oversight. HUD Lender ID #26031-0007. Subject to HUD regulations, required counseling protocols, and program guidelines for HECM loans.
- Third-Party Identity Resolution and Advertising ProvidersminorThe company works with third-party identity-resolution and advertising providers that recognize website visitors and help with follow-up marketing. These providers use online identifiers to match visitors with consumer databases and may share associated information (name, email, audience attributes) with All Reverse for marketing purposes. Visitors can opt out at any time.
Scale indicators7 records
Recent moves5 records
Expansion highlights5 records
All Reverse Mortgage competitors and assessment
Company assessmentBroad incumbents
- Rocket Mortgage: Largest U.S. mortgage originator with a dedicated reverse mortgage offering (formerly One Reverse Mortgage); broader product portfolio but national distribution, brand, and balance sheet give it asymmetric pricing and acquisition advantages over smaller specialists like ARM.
- Fairway Independent Mortgage: Large retail mortgage lender with a reverse mortgage division; broader product mix (purchase, refinance, reverse) provides diversification, but the reverse division competes directly with ARM in HECM and jumbo reverse origination.
Direct peers
- Longbridge Financial: Direct reverse mortgage lender offering HECM and proprietary jumbo products nationwide; comparable product mix, also partners with All Reverse Mortgage for loan servicing, and competes head-to-head for the same 62+ homeowner segment.
- Finance of America Reverse: Reverse mortgage division of Finance of America Companies offering HECM and proprietary reverse products; a direct competitor for HECM endorsement volume with similar target customers and product set.
- HighTechLending: Direct-to-consumer HECM and reverse mortgage lender focused on retail loan officers; operates in similar geographies and competes directly for senior homeowner relationships.
- Mutual of Omaha Reverse Mortgage: Insurance-owned lender offering reverse mortgages to the same 62+ demographic; competes across both HECM and proprietary products from a brand-name, well-capitalized parent.
Others
- OpenClose: Provider of loan origination software (LOS) used by reverse mortgage lenders; operates on a different side of the same industry and is a potential technology partner or comparison for ARM's proprietary ARLO™ platform.
- National Reverse Mortgage Lenders Association (NRMLA): Industry trade association for reverse mortgage lenders of which ARM is a member; sets ethical and professional standards for the industry and influences HUD/policy advocacy that shapes the playing field.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
All Reverse Mortgage social profiles
Digital presenceAll Reverse Mortgage compliance and trust
Trust signalCompliance7 records
All Reverse Mortgage financial estimates
Financial estimateRevenue estimate
Valuation estimate
All Reverse Mortgage leadership team
Management profileNumber of profiles
Profiles3 records
All Reverse Mortgage funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
All Reverse Mortgage M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about All Reverse Mortgage
What does All Reverse Mortgage do?
All Reverse Mortgage is a HUD-approved direct lender that originates, processes, and funds reverse mortgages in-house with no brokers or hand-offs. The company offers HECM (FHA-insured), Jumbo Reverse Mortgage (proprietary up to $4M), HECM for Purchase, and HECM Refinance products to homeowners aged 62 and older, using its proprietary ARLO™ real-time pricing engine and calculator platform to provide live rate comparisons and ZIP-accurate closing costs.
Is All Reverse Mortgage a public or private company?
All Reverse Mortgage is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was All Reverse Mortgage founded?
All Reverse Mortgage was founded in 2004. It employs 11 to 50 people.
Where is All Reverse Mortgage based?
All Reverse Mortgage is headquartered in Orange, United States, in the North America region.
How does All Reverse Mortgage make money?
One revenue line is on record: reverse Mortgage Loan Origination.
Who are All Reverse Mortgage's main competitors?
Broad incumbents on record are Rocket Mortgage and Fairway Independent Mortgage. Direct peers are Longbridge Financial, Finance of America Reverse, HighTechLending and Mutual of Omaha Reverse Mortgage. Others are OpenClose and National Reverse Mortgage Lenders Association (NRMLA).
Does All Reverse Mortgage have an API?
No public API is recorded for All Reverse Mortgage.
What industry is All Reverse Mortgage in?
All Reverse Mortgage's product category is Reverse Mortgage Lending. Its primary akta.pro industry code is FSALAIAA, Reverse Mortgage Origination (HECM & Proprietary), with a secondary code of FSALAIAI, Reverse Mortgage Technology & Compliance (LOS/CRM/HECM Calculators). Its NAICS code is 522292 and its SIC code is 6162.