At a glance
From its website, read 2 Nov 2026MortgageOne, Inc is a loan fund based in Carlsbad, California. Its website describes home mortgages. Stated loan amounts run from $25,000 to $2M. It says it considers borrowers with low or no credit history.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Toll-free | (800) 915-9218 source |
|---|---|
| Website | www.mortgageonehomeloans.com |
| Office (official list) | 2714 Loker Avenue W Suite 300, Carlsbad, CA 92010 |
What their website says about applying
Request a free personalized rate quote.
sourcePrepare necessary documents such as income verification, credit reports, and asset statements.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Home mortgages | Term: see their wording | Monthly payments based on interest rate, principal loan amount, and amortized interest over 30 years | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Minimum credit score: 580
Credit scores as low as 580 may qualify
source - Low or damaged credit considered
Even with less-than-perfect credit, we may be able to help you lower your monthly payment and pay off your higher-interest debt.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 8 Jan 2026 |
| RSSD ID | — (none listed) |
| Address | 2714 Loker Avenue W Suite 300, Carlsbad, CA 92010 Directions (Google Maps) |
| Website | www.mortgageonehomeloans.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. The pages describe mortgage products but state no explicit service area; licensing lists alone were not treated as a service area. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Home mortgages | $25,000 – $2M | Loan amounts from $25,000 to $2,000,000 | source |
Loan sizes
Loan amounts from $25,000 to $2,000,000
source
Range used for the size filter: $25,000 to $2M
Service area
Not stated on the pages we read.
Borrower focus
- Veterans
Are you are a veteran, member of the military or military spouse? You may qualify for a VA loan.
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.mortgageonehomeloans.com/
- https://www.mortgageonehomeloans.com/loan-options/fixed-rate-mortgage/
- https://www.mortgageonehomeloans.com/may-2026-mortgage-check-in-evaluating-the-benefits-of-refinancing-before-rates-change/
- https://www.mortgageonehomeloans.com/patriot-home-loans/
- https://www.mortgageonehomeloans.com/loan-options/va-home-loan/
- https://www.mortgageonehomeloans.com/loan-options/fha-home-loan/
- https://www.mortgageonehomeloans.com/category/mortgage-refinance/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What is the APR, including fees, on your home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025MortgageOne, Inc reported 1,694 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $798.2M (median loan about $395,000). 1,322 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 1,322 | 78% |
| Refinance (incl. 176 cash-out) | 372 | 22% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 943 | 56% |
| FHA-insured | 407 | 24% |
| VA-guaranteed | 342 | 20% |
Included above: 62 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 340 counties with at least one; 47% of its 2025 loans were for properties in California:
- San Diego County, CA (133)
- Shasta County, CA (123)
- Yuma County, AZ (110)
- Riverside County, CA (74)
- Orange County, CA (63)
- Sonoma County, CA (60)
- Los Angeles County, CA (53)
- San Bernardino County, CA (30)
Filed under LEI 5493002TJKC8NLH1ZP82 as “MortgageOne, Inc”; matched by name, state and city (checked by hand; see the method on our About page).
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $2M | Other loan funds whose website states a maximum: median $250,000. Higher than the stated maximum of 79% of these 184. |
| Home loans originated in 2025 (HMDA) | 1,694 | More than 96% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 79% |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 96% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Carlsbad and California
- AccessityLoan fund · San Diego, CASmall-business loansVerified
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- AltaOne Federal Credit UnionCredit union · Ridgecrest, CAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Altura Credit UnionCredit union · Riverside, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- American Nonprofits, Inc.Loan fund · Santa Cruz, CAVerified
- Apoyo Financiero Inc.Loan fund · Concord, CAPersonal / consumer loans, Small-business loansVerified
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.