Impac Mortgage Holdings wants to make a positive impact on home ownership rates. The lender originates, sells, and services residential mortgage loans that are eligible to be sold to US government-sponsored enterprises such as Fannie Mae, Freddie Mac. It does the same for government-insured mortgage loans eligible for securitization that are issued through Ginnie Mae. Beyond lending, its Integrated Real Estate Services (IRES) subsidiary provides loan modifications, real estate brokerage, and monitoring and surveillance services. Other subsidiaries include Impac Mortgage Corp. (formerly Excel Mortgage), IMH Assets Corp., and Impac Funding Corp. The lender originated and sold $9 billion-plus in loans during 2015.