Impac Mortgage Holdings, Inc. (NYSE: IMH) is a specialty mortgage real estate investment trust headquartered in Irvine, California. The company focuses on the acquisition, origination and servicing of residential mortgage loans, with a primary emphasis on home equity loans. Impac operates through a combination of correspondent and wholesale channels to purchase fully amortizing, closed-end junior lien home equity loans as well as senior first-lien conforming and non-conforming mortgage products.
Through its mortgage servicing arm, Impac Mortgage collects and remits borrower payments, manages escrow accounts, and handles loss mitigation and default management on behalf of investors. The servicing platform supports both performing and non-performing loan portfolios and complements the company’s investment strategy by generating fee-based income alongside its interest-earning assets. This dual focus on loan origination and servicing allows Impac to tailor customized mortgage solutions and maintain ongoing client relationships throughout the life of each loan.
Founded in the early 1990s, Impac Mortgage has grown into one of the more active issuers of home equity collateralized securitizations in the United States. Its geographic footprint spans more than 30 states, enabling the company to diversify credit exposure and tap a broad borrower base. Impac leverages its scale and expertise to navigate changing market conditions and regulatory environments across different regions.
The company’s executive team brings decades of experience in mortgage finance, real estate investment and securitization. Impac Mortgage emphasizes disciplined credit underwriting, prudent risk management and a service-oriented approach to support both retail borrowers and institutional investors. As a publicly traded REIT, Impac continues to reinvest in its servicing infrastructure and loan acquisition capabilities to drive long-term growth.
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