Home Equity Conversion Mortgages (HECMs) have long been the gold standard product set for reverse mortgage originators, but they became a minority share of the market earlier this year as proprietary loan volume exceeded HECM volume in the first quarter of 2026.

While private-label reverse mortgages offer advantages like lower upfront costs and larger loan amounts, the shrinking market share for HECMs can also be chalked up to the fact that one of its flagship offerings, the HECM for Purchase program, remains underutilized. HECM for Purchase allows a senior homeowner to tap into their existing equity, sell their current details ⇒

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