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OneTrust Home Loans Reviews


bestfor-icon Innovative Home Financing Solutions

Written by Angela Mae

About OneTrust | Read More


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  • LoanServicing@onetrustintl.com
  • (855) 995-3323
  • Headquarters: 3838 Camino del Rio N Suite 305, San Diego, CA 92108
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OneTrust Mortgages Review

OneTrust Home Loans is a direct lender that offers mortgaging financing and refinancing. This includes a variety of home loan options, such as conventional loans, FHA loans, USDA and VA loans, and Jumbo loans. They also have reverse mortgages and portfolio loans. Besides that, the lender has several educational resources — like mortgage calculators — on its website for prospective borrowers. If you choose this lender, you’ll work with a home loan specialist who will strive to make the homebuying journey as easy as possible.

OneTrust Mortgages Highlight


Min Credit Score

Max $3M

Mortgage Amount

10, 15, 20, 25, or 30 years

Repayment terms


Soft Credit Pull


Lender Type


Underwriting Fee


Other Fees


Origination Fee


Prepayment Fee



Pros & Cons

  • con-icon Variety of home loans, including conventional, FHA, VA, USDA, Jumbo, and portfolio loans
  • con-icon Some borrowers may qualify for down payment assistance
  • con-icon eClosing and eSigning can make the closing process faster and easier
  • con-icon Option to work with a loan officer in your state
  • con-icon Rates, terms, amounts, and availability not listed online
  • con-icon Application process isn’t fully online
  • con-icon Need to speak with a loan officer to learn more about your options

Mortgage Type

  • Mortgage Purchase
  • Mortgage Refinance
  • Fixed
  • Home Equity Loan
  • FHA
  • USDA
  • VA
  • Jumbo

OneTrust Mortgages Terms & Requirements

OneTrust Home Loans offers many home loans, including conventional loans, Jumbo loans, FHA loans, VA, and USDA loans. They also have specialty programs for those seeking a more innovative financing option.

However, the lender does not clearly indicate its mortgage loan terms or requirements online. However, most mortgage lenders have minimum credit score, income, and employment requirements. You may also need to be at least 18 years old and a resident of the state in which you’re applying to qualify.

Depending on the home loan type, you may also need to put down a minimum down payment amount. This is often between 3% and 5% of the home purchase price. A higher down payment and income could improve your approval odds.

How to Apply

The application process begins with a free consultation, which you can schedule online. Start by indicating whether you’re currently working with a loan officer. If you are, you’ll need to find them in OneTrust Home Loan’s database.

From there, indicate the purpose of your request — this could be to buy, build, or refinance a home. If you’re buying  a home, you’ll need to answer a few more questions, such as:

  • Where do you intend to buy (city and state)?
  • When you want to buy or secure refinancing
  • Estimated down payment
  • Estimated purchase price
  • Primary purpose of the home (ex. investment property or primary residence)
  • Estimated credit score (range)
  • First and last name of the primary borrower
  • Phone number and email address

If you’re refinancing, you will also need to indicate how much you currently owe on your home loan, and the property’s estimated current value.

The online process only takes a few minutes to complete. After filling out everything, submit your request and wait for a home loan specialist to reach out.

Qualification Requirements

Although OneTrust Home Loans does not specify its requirements online, these are the typical requirements when applying for a home loan:

  • 18 years of age or older
  • U.S. citizen or resident
  • 680+ credit score
  • Minimum down payment
  • Minimum income
  • Minimum time employed
  • Bank account information
  • Any other assets or liabilities

Required Information

To get started, either call OneTrust Home Loans or schedule a consultation online. You won’t need any documents at this time. However, you will need to provide some personal information, such as your name and contact details. You’ll also need to indicate a few things, such as: 

  • Purpose of the loan
  • Property’s location
  • When you want to buy it
  • Home’s approximate value

During the consultation, the specialist may request additional information or documentation.

Application Steps & Time Frames

  • Start by scheduling a free consultation. This take under five minutes and can be done online.
  • Speak with a qualified loan officer or specialist about your homebuying needs and expectations. They will provide you with the best options.
  • Proceed to the loan application. You can manage certain aspects of this through your online account.
  • Certain details, such as closing times and the time to funding, are dependent on the individual and other external factors. Because of this, they are not clearly listed online.

State Availability

Available - Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Hawaii, Idaho, Illinois, Indiana, Kansas, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wyoming

Not Available - Delaware, Georgia, Iowa, Kentucky, Massachusetts, Nebraska, New York, Pennsylvania, South Dakota, Wisconsin

Written by Angela Mae

Angela Mae is a personal finance writer specializing in loans, debt management, investing, retirement planning, and financial literacy. She comes from a journalistic background and pulls from hands-on experience and deep-dive research to breathe life into her stories. Her goal is to help others achieve financial stability and independence. When not writing, she can be found traveling, honing her yoga skills, hiking, or exploring new means of healthy, sustainable living.



What types of loan products does OneTrust Home Loans offer?

This lender provides conventional loans, FHA loans, USDA loans, VA loans, and Jumbo Financing. They also offer specialized loans, such as a Bridge Home Loan program, Fix & Flip Loan Program, and Bank Statement Loan Program. Each of these programs is suited to help borrowers who need financing for unique needs.

Is OneTrust Home Loans a direct lender or marketplace?

CalCon Mutual Mortgage, LLC — dba OneTrust Home Loans — is a direct lender. This means they service their own loans. It also means they set their own lending criteria.

Can you apply for a home online?

With OneTrust Home Loans, it’s possible to schedule a consultation or find a qualified loan officer online. You can also manage your account online or complete the next steps in the application process. However, it does not appear possible to complete the entire lending process digitally.

Customer Support

There are several ways to contact OneTrust Home Loans, including email and phone. The company’s phone response time is typically fast. Their email response time can be a couple of hours or business days.

On the lender’s website, prospective borrowers can also click “Find a Loan Officer” and then input their state to find out who’s available locally. Each loan officer has a profile image and their contact information. The wait time and callback options depend on the person contacted.

Overall, OneTrust Home Loans has a good reputation when it comes to customer service. The lender’s Zillow profile has mostly positive reviews with many customers touting them for their professionalism and helpful service. CalCon Mutual Mortgage, LLC also has largely positive reviews and 4.94 out of 5 stars on the site.

On the Better Business Bureau (BBB), the lender is accredited with an A+ rating.

Privacy & Security

CalCon Mutual Mortgage, LLC — dba OneTrust Home Loans — provides home loans to individuals in the states in which they’re licensed. This lender is licensed in all 50 states, Washington D.C., Puerto Rico, and the U.S. Virgin Islands. This licensing information and any relevant restrictions are clearly listed on the lender’s website.

Like other online mortgage lenders, OneTrust Home Loans may collect, use, and share certain information. This might include your Social Security number, bank account balance, credit score and history, employment history, and other personal data. The company may share this information for purposes such as affiliate marketing and everyday business reasons. You may be able to limit some of this sharing. This is standard in the industry.

OneTrust Home Loans’ website is encrypted to help keep user data safe. The lender also has several safeguards to keep your online account secure. Like many other online companies, however, there is no privacy or security guarantee.

In Conclusion

OneTrust Home Loans offers many of the usual types of home loans, such as conventional, Jumbo, and FHA loans, as well as reverse mortgages and portfolio loans. The company also provides mortgage refinancing loans.

Borrowers who work with this lender may benefit from working with a loan specialist throughout the homebuying process. They can also benefit from the company’s potential fast closing times and solid customer service.

One area where OneTrust Home Loans could improve is in its transparency. Although the lender’s website claims transparency, they do not clearly list their rates, terms, lending requirements, or loan product availability online.

Brand Disclaimer

Loans Provided by OneTrust Home Loans, a dba of CalCon Mutual Mortgage LLC NMLS #46375 (www.nmlsconsumeraccess.org); 3838 Camino del Rio N Suite 305, San Diego, CA 92108. Corporate phone (888) 488-3807.

All products are not available in all states. All options are not available on all programs. All programs are subject to borrower and property qualifications. Rates, terms and conditions are subject to change without notice.

By refinancing your existing loan, your total finance charges may be higher over the life of the loan. (Reference: 10 VAC 5-160-60 (F))