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September 03.2025

2 Minutes Read

Dive into the Falling Reverse Mortgage Production Metrics: Key Insights

House model with arrows illustrating reverse mortgage production metrics.

Understanding the Drop in Reverse Mortgage Production

The reverse mortgage landscape took a significant hit in August 2025, with Home Equity Conversion Mortgage (HECM) endorsements plummeting by 13% compared to July. As lender concentrations continue to rise, the latest figures reveal distinct market dynamics worth analyzing for homeowners and prospective borrowers alike.

Market Concentration: Who Are the Major Players?

The dominance of key players has become increasingly apparent within the reverse mortgage space. In August, Mutual of Omaha Mortgage led with 460 loans, commanding a robust 23% share of the market. Following closely were Finance of America (FOA) and Longbridge Financial, with 402 and 306 loans, respectively. This trio collectively accounted for about 61% of all HECM endorsements between September 2024 and August 2025, raising questions about the implications of such concentrated power on mortgage accessibility.

Regional Insights and Variations

California continues to shape the reverse mortgage narrative, particularly through its Santa Ana Homeownership Center, which reported 699 endorsements in August. Even with a slight decrease from previous months, it remains significantly ahead of regions like Atlanta and Philadelphia, which logged 497 and 427 endorsements, respectively. As these metrics fluctuate, understanding regional trends becomes increasingly valuable for stakeholders engaged in the real estate market.

HMBS Issuance: Trends and Observations

Alongside the drop in endorsements, August 2025 also saw a downturn in HMBS (Home Equity Conversion Mortgage-Backed Securities) issuance, which fell to $502 million—$39 million less than the previous month. The top issuer for August was again FOA, with $152 million, while Longbridge and Mutual of Omaha reported decreases in their issuances. Tracking these movements reveals potential end-of-summer stagnation that may affect loan availability.

What This Means for Homeowners

With fewer loans being endorsed, homeowners and those considering reverse mortgages need to think critically about timing and options. A tighter lending environment, driven by both market concentration and shrinking production metrics, could suggest higher variability in loan terms moving forward. Understanding this landscape is crucial for making informed financial decisions.

Future of Reverse Mortgages: Predictions and Considerations

As we move beyond the summer months, the outlook for reverse mortgages is uncertain. Given the current metrics and lender dynamics, analysts might predict fluctuations that could either stabilize or further challenge the market. Staying informed will empower borrowers to make educated choices amid evolving circumstances.

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