During the month of March 2025, the company with the largest share of the reverse mortgage market in the United States was Mutual Of Omaha Mortgage Inc. Its share of **** percent was around ***** percent greater than the market share of Finance Of America Reverse LLC. Reverse mortgage volume increases Mutual Of Omaha Mortgage Inc. was the top lender of Home Equity Conversion Mortgages (HECMs) in 2023, with the highest number of loan originations. In 2023, the company, which specializes in home equity retirement solutions, closed a total of over ***** HECMs and ended the year as the leading reverse mortgage company in the United States. Despite the overall number of HECMs in the United States dropping dramatically between 2009 and 2019, this trend reversed in the following years, with 2022 recording the highest 10-year figure. Banks withdraw from reverse mortgage market In the past, some of the largest banks in the United States featured in the list of leading reverse mortgage lenders; as of 2024, financial services firm Wells Fargo remained the all-time leading reverse mortgage company in the country. However, banks have exited the reverse mortgage business, and the rankings now feature companies that focus primarily on HECMs. In 2011, Wells Fargo and Bank of America – the two largest providers of HECMs at the time – stopped offering the service because of an unpredictable housing market and the creditworthiness of borrowers.

The 10 largest mortgage lenders in the United Kingdom accounted for approximately 83 percent of the total market, with the top three alone accounting for 48 percent in 2024. Lloyds Banking Group had the largest market share of gross mortgage lending, with nearly 47 billion British pounds in lending in 2024. HSBC, which is the largest UK bank by total assets, ranked fifth. Development of the mortgage market In 2024, the value of outstanding in mortgage lending to individuals amounted to 1.6 trillion British pounds. Although this figure has continuously increased in the past, the UK mortgage market declined dramatically in 2024, registering the lowest value of mortgage lending since 2015. In 2020, the COVID-19 pandemic caused the market to contract for the first time since 2012. The next two years saw mortgage lending soar due to pent-up demand, but as interest rates soared, the housing market cooled, leading to a decrease in new loans of about 100 billion British pounds. The end of low interest rates In 2021, mortgage rates saw some of their lowest levels since recording began by the Bank of England. For a long time, this was particularly good news for first-time homebuyers and those remortgaging their property. Nevertheless, due to the rising inflation, mortgage rates started to rise in the second half of the year, resulting in the 10-year rate doubling in 2022.

2024 Rank Lender Name Originations Lender Market Share 1 UNITED WHOLESALE MORTGAGE, LLC 10,860 8.65% 2 ROCKET MORTGAGE, LLC 6,006 4.78% 3 CROSSCOUNTRY MORTGAGE, LLC 3,693 2.94% 4 U.S. BANK NATIONAL ASSOCIATION 3,162 2.52% 5 JPMORGAN CHASE BANK, NATIONAL ASSOCIATION 3,134 2.50% 6 GUARANTEED RATE, INC. 2,603 2.07% 7 WELLS FARGO BANK, NATIONAL ASSOCIATION 2,414 1.92% 8 CMG MORTGAGE, INC. 2,095 1.67% 9 BANK OF AMERICA, NATIONAL ASSOCIATION 1,990 1.59% 10 CITIBANK, NATIONAL ASSOCIATION 1,829 1.46%

Banks accounted for the largest share of mortgage lending in the Netherlands in the last quarter of 2024. The top three banks in the Netherlands alone were responsible for over ** percent of mortgage lending in that period. In recent years, the housing market has continued to rise in the Netherlands due to the asset purchase programme (APP) of the European Central Bank and the, consequently, low mortgage rates. This can be seen in the number of registered transactions, which has risen by over 100 percent since 2013.

Seller/Issuer Name YTD 2025 YTD Loan Volume Avg Loan Amount UNITED WHOLESALE MORTGAGE LLC 202,070 $76.50 $378,588 PENNYMAC LOAN SERVICES LLC 174,100 $63.68 $365,769 ROCKET MORTGAGE LLC 157,713 $48.14 $305,218 FREEDOM MORTGAGE CORP 88,720 $33.94 $382,556 NEWREZ LLC 84,045 $30.98 $368,612 AMERIHOME MORTGAGE COMPANY LLC 77,892 $26.97 $346,214 NATIONSTAR MORTGAGE LLC 57,131 $19.86 $347,670 PLANET HOME LENDING LLC 45,667 $14.19 $310,707 CROSSCOUNTRY MORTGAGE LLC 42,906 $15.98 $372,352 JPMORGAN CHASE BANK NA 39,775 $12.72 $319,766

Snapshot img { margin: 10px !important; } Overview of the global housing mortgage market

The global residential loan value segment will grow at a moderate CAGR of nearly 4% by 2020. The global housing real estate market is gaining from an improving business environment, low inflation rates, and surging consumer confidence. Enhanced risk management, underwriting standards, and supervision will drive the prospects for growth in this market until the end of the forecast period. The implementation of enhanced internal risk management frameworks and underwriting standards of all housing mortgage loan originators and brokers will help in the enforcement of the prudential supervision.

A good underwriting standard is consistent across mortgage lenders and brokers and has become a hallmark of the housing mortgage origination business. Such an underwriting takes into account the value of the property, the borrower’s creditworthiness, verification of the submitted information, and sound and independent appraisals.

Housing mortgage market facts based on drivers

In this market, factors such as the rising demand for building manufacturers will aid in the growth of this market during the forecast period. Due to intense material storage and increasing scarcity of skilled labor in the housing mortgage market, the policymakers have been compelled to design measures to ensure the easy availability of cash for builders. Additionally, governments have also started to devise mechanisms like LTV and DTI to encourage the construction of houses in different geographies. In this market, the real estate and housing mortgage managers, the investment community, and developers will need to collaborate with governments to manage and mitigate risks in schemes that might otherwise appear uneconomic.

Housing mortgage market value based on geography

Americas
APAC
EMEA

During 2015, the APAC region dominated the housing mortgage market by accounting for a share of nearly 44%. The introduction of a massive monetary stimulus program, which is aimed at stabilizing inflation and attracting large flows of capital, will aid in the growth of this market in APAC. The countries in this region have also started implementing strategic policies like minimum cash down payments, restricted loan tenures, and mortgage servicing ratio for electronic clearing services to bolster the prospects for market growth until 2020.

Housing mortgage market statistics: Competitive landscape and key vendors

In the global housing mortgage market, the competitive dynamics have changed drastically over the last ten years. Consequently, to remain competitive in this market, the mortgage originators appointed mobile lenders to reduce branch network costs. In addition, the mortgage lenders in this market competed for new businesses through product innovations like home-equity loans, which provide a line of credit against residential property.

Top vendors in this market

Bank of China
China Construction Bank
HSBC
Wells Fargo

Key questions answered in the report include

What will the housing mortgage market size and the growth rate be in 2020?
What are the key factors driving the global housing mortgage market?
What are the key market trends impacting the growth of the global housing mortgage market?
What are the challenges to market growth?
Who are the key vendors in the global housing mortgage market?
What are the market opportunities and threats faced by the vendors in the global housing mortgage market?
Trending factors influencing the market shares of the Americas, APAC, and EMEA.
What are the key outcomes of the five forces analysis of the global housing mortgage market?

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