Impac Mortgage Holdings, Inc. (NYSE: IMH) is a publicly traded mortgage real estate investment trust specializing in the origination, investment and servicing of residential mortgage loans. The company is best known for its focus on reverse mortgage products, particularly under the Federal Housing Administration’s Home Equity Conversion Mortgage (HECM) program, which enables homeowners aged 62 and older to tap into the equity in their homes. In addition to reverse mortgages, Impac Mortgage offers a range of loan solutions and invests in both forward and reverse mortgage assets through its investment portfolio.
Impac Mortgage’s core activities include the origination of HECM reverse mortgages through wholesale, retail and correspondent channels, as well as comprehensive loan servicing and asset management. The company maintains an in-house servicing platform that handles everything from loan underwriting and closing to ongoing administration, borrower support and default management. Impac also structures mortgage-backed securitizations and participates in secondary market trading, enabling diversification across mortgage assets and liquidity management.
Founded in the mid-2000s and headquartered in Irvine, California, Impac Mortgage has expanded its reach across the United States through a network of regional offices and correspondent partners. The company leverages its West Coast heritage and strategic relationships to serve homeowners in markets nationwide, with a focus on communities where home equity conversion loans can provide critical retirement funding. Over the years, Impac Mortgage has evolved its product offerings and distribution channels to adapt to regulatory changes and shifting borrower demographics.
Impac Mortgage is led by an experienced management team headed by President and Chief Executive Officer John F. Walsh, whose career spans mortgage origination, securitization and servicing. The company’s board and leadership group bring decades of combined industry expertise, guiding Impac’s strategic priorities in product development, risk management and investor relations. With a commitment to responsible lending and borrower education, Impac Mortgage continues to position itself as a specialist provider of home equity solutions for aging Americans.
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