Reverse mortgage companies ranked by HUD-insured loans

Mutual of Omaha Mortgage led with 3,842 reverse mortgages over October 2025 to August 2026, or 17.2% of the HECMs insured by HUD. Finance of America Reverse and Longbridge Financial come next. Those three lenders together accounted for 39% of all loans.

Sorted by HUD-insured HECMs closed, October 2025 to August 2026. No lender pays to be listed or ranked.

#	Lender	Loans	Share	States	Top state	Median home value
1	Mutual of Omaha Mortgage	3,842	17.2%	50	California	$401,500
2	Finance of America Reverse	2,755	12.3%	51	California	$415,000
3	Longbridge Financial	2,116	9.5%	51	California	$403,500
4	Atlantic Avenue Mortgage	926	4.1%	35	California	$344,500
5	South River Mortgage	780	3.5%	32	Texas	$280,000
6	Fairway Independent Mortgage	729	3.3%	47	Washington	$450,000
7	Guild Mortgage	646	2.9%	45	California	$450,000
8	loanDepot.com	494	2.2%	51	California	$331,000
9	Movement Mortgage	359	1.6%	44	Florida	$429,943
10	Caliver Beach Mortgage	321	1.4%	28	California	$476,400
11	Guaranteed Rate	283	1.3%	36	California	$425,000
12	Onity Mortgage	267	1.2%	41	California	$425,000
13	CrossCountry Mortgage	257	1.2%	35	California	$498,000
14	New American Funding	253	1.1%	40	California	$488,000
15	West Capital Lending	215	1%	38	California	$395,700
16	High Tech Lending	204	0.9%	22	California	$526,500
17	C2 Financial	179	0.8%	16	California	$730,000
18	CMG Mortgage	172	0.8%	31	California	$500,500
19	Ennkar	153	0.7%	13	California	$660,000
20	Barrett Financial Group	144	0.6%	22	Arizona	$553,000
21	All Western Mortgage	140	0.6%	36	Nevada	$427,500
22	Nexa Mortgage	133	0.6%	27	Tennessee	$400,000
23	All Reverse Mortgage	133	0.6%	13	California	$580,000
24	American Pacific Mortgage	127	0.6%	19	California	$545,000
25	Access Home Lending	120	0.5%	21	California	$457,000
26	Luminate Bank	108	0.5%	25	Colorado	$469,500
27	Carrington Mortgage Services	104	0.5%	31	California	$411,500
28	Senior Lending	100	0.4%	5	Florida	$337,100
29	Integrity 1st Mortgage	99	0.4%	2	California	$1,050,000
30	Opulence Funding	78	0.3%	5	New York	$680,000
31	Calcon Mutual Mortgage	78	0.3%	16	Colorado	$421,500
32	Reverse Freedom	76	0.3%	2	Utah	$654,400
33	East Coast Capital	75	0.3%	13	New York	$575,000
34	Everett Financial (Supreme Lending)	74	0.3%	22	Florida	$438,500
35	Edge Home Finance	73	0.3%	22	Colorado	$467,000
36	Mortgage South of Tennessee	72	0.3%	2	Tennessee	$352,500
37	V.I.P. Mortgage	71	0.3%	9	Nevada	$500,000
38	Atlantic Coast Mortgage	61	0.3%	10	Virginia	$490,000
39	First American Home Loans	59	0.3%	6	California	$440,000
40	Contour Mortgage	56	0.3%	5	New York	$772,500

The 40 lenders who closed the most loans. The lender needs at least one closed loan in a state for that state to count; DC counts as one too.

Estimate my reverse mortgageThree questions. No name, email or ZIP code.

By fiscal year, the HECM loans each lender made.

October 1 marks the start of HUD's fiscal year. Fiscal 2026 starts in October 2025 and the HUD files go through August 2026, so it isn't a complete year yet.

Lender	FY 2025	FY 2026 to Aug
Mutual of Omaha Mortgage	5,006	3,842
Finance of America Reverse	3,863	2,755
Longbridge Financial	2,258	2,116
Atlantic Avenue Mortgage	843	926
South River Mortgage	951	780
Fairway Independent Mortgage	1,018	729
Guild Mortgage	729	646
loanDepot.com	469	494
Movement Mortgage	402	359
Caliver Beach Mortgage	392	321

You can download hecm-loans-by-lender.csv, plus hecm-loans-by-state.csv and hecm-loans-by-county.csv, from here. The data comes from HUD's monthly HECM endorsement snapshots; you can reuse it for free as long as you link to reverse-mortgage-estimate.com.

A number of lenders focus on refinancing older reverse mortgages into new ones. As an example, Atlantic Avenue Mortgage originated 926 loans, and 594 of them were HECM-to-HECM refinances. Other lenders, Fairway Independent Mortgage with 100 among them, lean more toward HECM for purchase loans, in which the reverse mortgage helps pay for a new home.

How to compare the best reverse mortgage lenders

The lender with the most loans has the most experience, but that doesn't mean they offer the best price. HUD's single lending limit and factor table apply to every HECM, so your borrowing amount hardly shifts from lender to lender. Three things do differ:

Your margin. Your rate is set by adding it to the index, and a lower rate gives you more room to borrow. New loans carried a median margin around 2.125% in August 2026. Check out the current reverse mortgage rates.
Your origination fee. It's capped by HUD at 2% of your home's first $200,000 in value plus 1% on any amount beyond that, and the total can't go over $6,000. A lender might not charge the full amount.
The other closing costs, like the appraisal, title work and recording fees, which local companies set.

Get a written quote from two or three reverse mortgage lenders on the same day so you can compare the rates. Before signing, use NMLS Consumer Access to verify the loan officer's license and search the Consumer Financial Protection Bureau's database for complaints. A HUD-approved counselor will review the quotes with you, and the session is often free or roughly $125.

Find lenders that operate in your area: reverse mortgage by state. Before you pick up the phone, get your own number: the reverse mortgage estimate.

Want quotes from more than one lender? Call (833) 962-5300. A reverse mortgage specialist answers; we are not a lender.