Reverse mortgage in Maryland
HUD's own loan records show who lends in Maryland, where the loans are and who counsels there.
- In one year, 394 HECMs closed in Maryland
- Median home value HUD counted: $429,000
- Most HECMs in Maryland: Longbridge Financial (113)
HUD's HECM records show 394 closed reverse mortgages in Maryland between September 2025 and August 2026, 1.6% of the 24,529 loans nationwide. Maryland places 21st out of the 50 states and DC.
The group included 15 home purchases with a HECM for Purchase, 42 refinancings of an older HECM and 9 loans reaching the $1,249,125 limit on value.
How Maryland HECMs compare with the national figures
The two bottom rows come from the calculator.
| Maryland | Against all HECMs | |
|---|---|---|
| HECMs closed | 394 | 1.6% of all 24,529 |
| Median home value counted | $429,000 | $11,000 less |
| Median principal limit | $191,860 | $2,312 less |
| Principal limit as a share of value | 44.3% | 0.9 points higher |
| Median expected rate | 5.75% | 0.125 points lower |
| HECM for Purchase | 3.8% | 1.7 points lower |
| Refinanced HECMs | 10.7% | 0.2 points lower |
| Lenders with a loan here | 22 | of 34 nationwide |
| Median home, no mortgage: amount left at age 70 after costs | $147,514 | $4,026 less |
| Usable in the first year at age 70 | $81,276 | $2,328 less |
Maryland HECM lenders ranked by loan count
In Maryland, 22 lenders sponsored HECMs. The top three lenders made 289 of the 394 loans (73%): Longbridge Financial, Mutual of Omaha Mortgage and Finance of America Reverse. Compare that with the national ranking.
| Rank | Lender | HECMs | Share |
|---|---|---|---|
| 1 | Longbridge Financial | 113 | 28.7% |
| 2 |  | 98 | 24.9% |
| 3 | Finance of America Reverse | 78 | 19.8% |
| 4 | South River Mortgage | 28 | 7.1% |
| 5 | Traditional Mortgage Acceptance Corporation | 18 | 4.6% |
| 6 | Plaza Home Mortgage | 11 | 2.8% |
| 7 | PHH Mortgage | 9 | 2.3% |
| 8 | MCM Holdings | 6 | 1.5% |
| 9 |  | 5 | 1.3% |
| 10 |  | 5 | 1.3% |
Maryland HECMs originated by local lenders and brokers
Companies accepting Maryland HECM applications numbered 78. Set aside the national lenders, and the top originators were Acre Mortgage & Financial (21) and Atlantic Avenue Mortgage (16). Next came Atlantic Coast Mortgage (12), Caliver Beach Mortgage (10), Nationwide Mortgage Bankers (5) and Loandepot.com (5). Primary Residential Mortgage (4) and Movement Mortgage (4) followed them. These counts are of the company that originated each loan, while the ranking above counts the lender that sponsored it, so the two lists are not comparable.
Where Maryland HECMs originated
Prince George's County ranked first with 71 loans from a total of 394, ahead of Baltimore County at 66. Leading cities: Baltimore (38), Silver Spring (15), Laurel (11), Hyattsville (9) and Easton (9). City names are the mailing city on each HUD record and can reach into nearby counties, so a city's count need not match the county table.
| County | HECMs | Share |
|---|---|---|
| Prince George's | 71 | 18% |
| Baltimore County | 66 | 16.8% |
| Anne Arundel | 40 | 10.2% |
| Montgomery | 40 | 10.2% |
| Baltimore City | 22 | 5.6% |
| Howard | 21 | 5.3% |
HUD-approved counselors for reverse mortgages in Maryland
HUD's list includes 5 agencies in Maryland that provide reverse mortgage counseling, spread across 4 cities. Their phone numbers are in HUD's counselor search.
| City | Agency | How they counsel | Languages |
|---|---|---|---|
| Baltimore, MD | Credit.org - Maryland Branch | phone, video | English, Spanish |
| Baltimore, MD | Druid Heights Community Development Corp. | phone, in person, video, online, group | English |
| Bel Air, MD | Harford County, Maryland | phone, in person, video, online, group | English |
| Elkton, MD | Cecil County Housing Agency | phone, in person, video, online, group | English |
| Frederick, MD | The City of Frederick | phone, in person, video, online, group | English |
Maryland: property tax relief for older homeowners
You may qualify at age 70 for Maryland’s Homeowners' Property Tax Credit if combined gross household income is $60,000 or less and property taxes are high relative to income. Homeowners' Property Tax Credit Program.
Who oversees reverse mortgage lenders in Maryland
Maryland’s Mortgage Lender Law appears under Financial Institutions Article, Title 11, Subtitle 5. Mortgage Loan Originators - Industry - Office of Financial Regulation.
Source: HECM portfolio snapshot from HUD, covering September 2025 through August 2026. Data for every state.