HECM Market Comparative Intelligence Engine
Benchmark regional senior home equity concentration, endorsement velocity, and average loan proceeds across key US states and metropolitan counties.
Comparative Market Dynamics BLUF
Coastal metro markets (Los Angeles, Orange County, Seattle/King County) show high average claim sizes approaching or exceeding the FHA cap ($1,149,825), driving heavy proprietary jumbo reverse mortgage adoption. In contrast, Sunbelt retirement centers (Maricopa, Travis, Miami-Dade) demonstrate faster YoY velocity driven by downsizing HECM for Purchase transactions.
Strategic Key Takeaways
- •Highest Average MCA: Orange County, CA ($900,000).
- •Fastest YoY Growth: Maricopa County, AZ (+15.7%) and Jefferson County, CO (+15.2%).
- •Highest Senior Homeownership Rate: Maricopa County (82.4%) and Travis County (81.2%).
Featured Head-to-Head Regional Benchmarks
California leads in total volume ($6.85B), while Florida has higher retiree concentration and rapid HECM for Purchase growth.
Travis County holds higher average claim caps ($560k MCA), while Harris County commands greater volume ($288M).
Both Sunbelt destinations exceed +14% annual endorsement growth with heavy out-of-state retirement equity migration.
High-Volume Metropolitan County Benchmark Matrix
| County & State | Endorsements YTD | YoY Velocity | Average MCA | Median Home Value | Senior Equity | Owner Rate |
|---|---|---|---|---|---|---|
| Los Angeles County, CA | 2,410 | +10.5% | $780,000 | $865,000 | $540.0B | 64.5% |
| Orange County, CA | 1,390 | +13.9% | $900,000 | $1,120,000 | $210.0B | 74.8% |
| San Diego County, CA | 1,280 | +11.3% | $830,000 | $890,000 | $195.0B | 71.5% |
| Maricopa County, AZ | 1,180 | +15.7% | $530,000 | $450,000 | $260.0B | 82.4% |
| Riverside County, CA | 980 | +10.1% | $580,000 | $565,000 | $140.0B | 78.4% |
| Miami-Dade County, FL | 890 | +9.9% | $550,000 | $520,000 | $165.0B | 72% |
| Broward County, FL | 810 | +11.0% | $510,000 | $475,000 | $135.0B | 75% |
| Palm Beach County, FL | 760 | +11.8% | $650,000 | $560,000 | $170.0B | 81.2% |
| Harris County, TX | 740 | +10.4% | $390,000 | $295,000 | $118.0B | 76.5% |
| Clark County, NV | 620 | +14.8% | $495,000 | $435,000 | $140.0B | 77.2% |
| Suffolk County, NY | 580 | +5.5% | $660,000 | $620,000 | $115.0B | 84.5% |
| King County, WA | 540 | +10.2% | $800,000 | $840,000 | $195.0B | 75.1% |
| Dallas County, TX | 510 | +10.9% | $430,000 | $335,000 | $82.0B | 72.8% |
| Cook County, IL | 440 | +7.3% | $420,000 | $310,000 | $175.0B | 70.4% |
| Travis County, TX | 390 | +14.7% | $560,000 | $540,000 | $34.8B | 81.2% |
| Jefferson County, CO | 380 | +15.2% | $650,000 | $610,000 | $52.0B | 82.8% |
| Honolulu County, HI | 340 | +13.3% | $890,000 | $880,000 | $155.0B | 73.5% |
| Arapahoe County, CO | 330 | +13.8% | $620,000 | $575,000 | $46.0B | 80.2% |
| Pima County, AZ | 320 | +14.3% | $420,000 | $360,000 | $65.0B | 80.5% |
| Pierce County, WA | 280 | +12.0% | $580,000 | $525,000 | $65.0B | 77.8% |
| Fairfax County, VA | 280 | +12.0% | $740,000 | $720,000 | $78.0B | 83.1% |
| Salt Lake County, UT | 280 | +16.7% | $620,000 | $560,000 | $54.0B | 81.5% |
| Mecklenburg County, NC | 240 | +14.3% | $460,000 | $410,000 | $44.0B | 76.8% |
| Fulton County, GA | 210 | +10.5% | $490,000 | $440,000 | $48.0B | 74.2% |
| DuPage County, IL | 150 | +7.1% | $500,000 | $395,000 | $55.0B | 84.1% |