Methodology: How We Determined the Highest Rated Reverse Mortgage Lender

Choosing a reverse mortgage lender should be based on clear, verifiable information. To support our claim as the Highest Rated Reverse Mortgage Lender, we followed a transparent and repeatable process using publicly available third-party data. Below is the exact methodology used to evaluate the nation’s top reverse mortgage lenders.

Our goal is simple: give older homeowners a fair, honest way to compare lenders based on customer experience, complaint history, and overall performance.

Step 1: Identify the National Peer Group

We began by defining the comparison group using RMInsight’s Top 20 HECM Lenders report, published October 1, 2025. RMInsight compiles endorsement data directly from the U.S. Department of Housing and Urban Development (HUD), making it one of the most accurate reflections of actual lending activity in the industry.

Only the top 20 lenders by endorsement volume were included to ensure the comparison reflected the largest and most active reverse mortgage lenders in the country.

Source: https://www.rminsight.net/hecm-lenders-september-2025/

Step 2: Collect Data From the Better Business Bureau (BBB)

For each lender identified in Step 1, we gathered the following information from its Better Business Bureau (BBB) profile:

• BBB letter rating

• BBB accreditation status

• Customer review score (1 to 5 stars)

• Number of verified BBB customer reviews

• Complaint counts (12-month and 3-year)

• Patterns of complaint or concerns noted by BBB

BBB information was collected and verified on December 10, 2025.

We chose BBB because it provides standardized measurements across all lenders, including verified complaint records and customer satisfaction metrics.

Step 3: Apply Minimum Review Requirements

To create a fair and reliable comparison, lenders with fewer than two BBB customer reviews were excluded from the ratings calculation.

A single review does not provide enough data to form a statistically meaningful average, and BBB notes that low review counts limit reliability. These lenders remain listed for transparency but were not evaluated for ranking.

Examples of lenders excluded due to insufficient review data:
GoodLife Home Loans, SmartFi Home Loans, Luminate Bank, MCM Holdings, The Money House.

Step 4: Standardize Customer Ratings Using Positive-Review Percentage

To compare lenders evenly regardless of how many reviews they had, we calculated each lender’s Positive Review Percentage.

This metric represents the share of BBB reviews that rated the lender 4 or 5 stars. It provides a clear and comparable measure of overall customer satisfaction, even when review counts differ.

Step 5: Evaluate Lenders Across All Measured Categories

Lenders meeting the review threshold were compared using the following objective criteria:

• BBB letter rating

• BBB accreditation

• BBB customer review score

• Positive-review percentage

• Complaint history

• Years in business (provided for context, not part of scoring)

This approach emphasizes customer experience and complaint performance, not size or marketing spend.

Step 6: Results of the Analysis

Based on the data collected, All Reverse Mortgage, Inc. ranked highest among eligible lenders with:

• A+ BBB letter rating

• BBB accreditation

• Zero complaints reported in the prior 12 months

• 4.94 out of 5 customer review rating

• 99 percent positive reviews

• 21 years in business

No other lender in the eligible peer group matched this combination of customer satisfaction, complaint record, and BBB standing.

Transparency and Data Integrity

All data used in this evaluation came from publicly available third-party sources. Ratings and complaint histories may change over time, and consumers are encouraged to review up-to-date information directly through BBB.org and RMInsight.net.

This methodology is published so that regulators, auditors, and the homeowners we serve can clearly understand how our rating was determined.

If you have questions about this process or would like additional details, please contact us directly at (800) 565-1722.