Breaking down the highest 10
Florida-based Atlantic Avenue Mortgage dominated the rankings with 75 endorsements in December and 899 for all of final yr. The corporate focuses on reverse mortgages and posted $563.5 million in quantity over the previous 12 months throughout 42 licensed mortgage officers, in line with Modex information.
The No. 2 spot on the checklist belongs to California-based loanDepot, which brokered 437 HECM loans in 2025, together with 47 in December. The corporate has a a lot bigger presence within the ahead mortgage house but in addition immediately endorsed 60 HECMs final yr — an 88% bounce from 2024, in line with RMI.
Caliver Seaside Mortgage, headquartered in Maryland, completed in third place by brokering 388 HECMs in 2025, together with 45 in December. The corporate can also be energetic within the ahead channel throughout quite a lot of standard, authorities and investor loan packages. Its 60 licensed LOs did $552 million in enterprise over the previous 12 months, per Modex.
Fourth place went to San Diego-based C2 Monetary Corp., with 204 HECM endorsements by its dealer channel in 2025. C2 is among the nation’s largest brokerages, with 1,115 licensed LOs, 111 branches and $4.85 billion in quantity over the previous yr.
California-headquartered Carrington Mortgage Providers and Florida-headquartered Senior Lending Corp. shared fifth place as every had 150 broker-endorsed HECMs in 2025.
The rest of the highest 10 for final yr contains West Capital Lending, Integrity 1st Mortgage Inc., NEXA Lending and Barrett Capital Group.
The HECM market remained relatively flat in 2025 with about 26,800 direct lender endorsements, in line with beforehand launched RMI information.
The highest 10 lenders accounted for almost 80% of this exercise, and the highest three originators — Mutual of Omaha Mortgage, Finance of America and Longbridge Monetary — mixed for a market share of 56%.
Lengthy-running struggles to extend HECM enterprise have prompted extra lenders to develop proprietary reverse mortgages. These loans, which generally have greater borrowing limits and decrease upfront mortgage insurance coverage premiums (MIPs), accounted for about 45% of reverse origination volume in December, in line with RMI.
The trade is awaiting additional info and path from the Federal Housing Administration and the U.S. Division of Housing and City Growth after the companies started seeking public feedback final yr on the way forward for the HECM and HECM Mortgage-Backed Securities (HMBS) packages.
A number of trade stakeholders — together with the National Reverse Mortgage Lenders Association, New View Advisors and individual originators — have supplied their recommendation on potential enhancements. These vary from decrease upfront MIP prices, the elimination of underutilized HECM product choices and the elimination of the borrower counseling requirement.
