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Arkansas Reverse Mortgage Market Report
Statewide HECM Portfolio • Regulatory Framework: Standard HUD/FHA
24 Active FHA Lenders
Arkansas Executive Market BLUF
Institutional VerifiedAugust 2026 (HUD FHA Single-Family Release)
Northwest Arkansas (Benton County) and Little Rock show steady reverse mortgage demand for retirement cash flow optimization.
Strategic Key Takeaways
- •Statewide senior home equity: $100.0 Billion.
- •Average Maximum Claim Amount (MCA): $206,000.
- •Annual endorsement momentum: +7.4% YoY.
- •Regulatory category: Standard HUD/FHA.
Total Senior Equity Pool
$100BEquity Pool
680,000 seniors age 62+
Total HECM Volume
$0.06B+7.4%
Rank #36 Nationwide
Endorsements YTD
290Annual Pace
Prior Year: 270
Average MCA
$206,000FHA Insured
Median Home: $190,000
Arkansas HECM Endorsement History
Annual volume trajectory vs average claim amount
Endorsements
Avg MCA
290 loans
2024 YTD
Latest Endorsements290
Average Claim (MCA)$206,000
Line of Credit Share86.8%
Avg Borrower Age74.7 yrs
Top HECM Origination Counties in Arkansas
75 Total Counties TrackedArkansas County-Level HECM & Senior Equity Directory (75 Jurisdictions)
Complete county-by-county reverse mortgage endorsements, average Maximum Claim Amounts, and senior housing wealth in Arkansas.
| County | FIPS | Endorsements YTD | Avg MCA | Senior Equity | YoY Velocity |
|---|---|---|---|---|---|
| Washington County | 05143 | 99 | $254,340 | $2.8B | +6.5% |
| Pulaski County | 05119 | 80 | $202,608 | $4.9B | +6.5% |
| Garland County | 05051 | 80 | $179,928 | $1.6B | +6.5% |
| Saline County | 05125 | 76 | $209,952 | $1.8B | +6.5% |
| Sebastian County | 05131 | 71 | $167,292 | $1.3B | +6.5% |
| Benton County | 05007 | 70 | $274,320 | $4.0B | +6.5% |
| Faulkner County | 05045 | 55 | $211,464 | $1.3B | +6.5% |
| Craighead County | 05031 | 50 | $197,208 | $1.1B | +6.5% |
| Baxter County | 05005 | 43 | $168,048 | $0.8B | +6.5% |
| White County | 05145 | 42 | $162,756 | $0.8B | +6.5% |
| Jefferson County | 05069 | 39 | $113,724 | $0.5B | +6.5% |
| Crawford County | 05033 | 35 | $167,292 | $0.7B | +6.5% |
| Lonoke County | 05085 | 34 | $183,168 | $0.7B | +6.5% |
| Pope County | 05115 | 33 | $164,160 | $0.6B | +6.5% |
| Boone County | 05009 | 26 | $170,748 | $0.5B | +6.5% |
| Greene County | 05055 | 24 | $169,992 | $0.5B | +6.5% |
| Crittenden County | 05035 | 23 | $159,084 | $0.4B | +6.5% |
| Miller County | 05091 | 23 | $148,716 | $0.4B | +6.5% |
| Union County | 05139 | 23 | $119,772 | $0.3B | +6.5% |
| Carroll County | 05015 | 22 | $183,276 | $0.5B | +6.5% |
| Cleburne County | 05023 | 22 | $175,176 | $0.5B | +6.5% |
| Independence County | 05063 | 22 | $120,204 | $0.3B | +6.5% |
| Hot Spring County | 05059 | 21 | $129,168 | $0.3B | +6.5% |
| Mississippi County | 05093 | 20 | $118,800 | $0.3B | +6.5% |
| Marion County | 05089 | 16 | $158,868 | $0.3B | +6.5% |
| Ouachita County | 05103 | 15 | $103,680 | $0.2B | +6.5% |
| Logan County | 05083 | 14 | $131,328 | $0.2B | +6.5% |
| Polk County | 05113 | 14 | $130,464 | $0.2B | +6.5% |
| Johnson County | 05071 | 14 | $129,384 | $0.2B | +6.5% |
| Van Buren County | 05141 | 14 | $127,332 | $0.2B | +6.5% |
| Poinsett County | 05111 | 14 | $101,412 | $0.2B | +6.5% |
| Sharp County | 05135 | 14 | $97,092 | $0.2B | +6.5% |
| Conway County | 05029 | 13 | $139,968 | $0.2B | +6.5% |
| Columbia County | 05027 | 13 | $133,056 | $0.2B | +6.5% |
| Ashley County | 05003 | 13 | $93,528 | $0.1B | +6.5% |
| St. Francis County | 05123 | 13 | $88,992 | $0.1B | +6.5% |
| Randolph County | 05121 | 12 | $119,556 | $0.2B | +6.5% |
| Hempstead County | 05057 | 12 | $113,076 | $0.1B | +6.5% |
| Stone County | 05137 | 11 | $165,996 | $0.2B | +6.5% |
| Clark County | 05019 | 11 | $154,764 | $0.2B | +6.5% |
| Arkansas County | 05001 | 11 | $135,972 | $0.2B | +6.5% |
| Yell County | 05149 | 11 | $138,672 | $0.2B | +6.5% |
| Franklin County | 05047 | 11 | $126,900 | $0.2B | +6.5% |
| Izard County | 05065 | 11 | $119,448 | $0.2B | +6.5% |
| Madison County | 05087 | 10 | $160,164 | $0.2B | +6.5% |
| Grant County | 05053 | 10 | $152,712 | $0.2B | +6.5% |
| Drew County | 05043 | 10 | $133,812 | $0.1B | +6.5% |
| Cross County | 05037 | 10 | $105,300 | $0.1B | +6.5% |
| Fulton County | 05049 | 10 | $108,000 | $0.1B | +6.5% |
| Clay County | 05021 | 10 | $92,664 | $0.1B | +6.5% |
| Jackson County | 05067 | 10 | $92,556 | $0.1B | +6.5% |
| Lawrence County | 05075 | 10 | $91,044 | $0.1B | +6.5% |
| Phillips County | 05107 | 10 | $80,028 | $0.1B | +6.5% |
| Little River County | 05081 | 8 | $116,856 | $0.1B | +6.5% |
| Howard County | 05061 | 7 | $135,324 | $0.1B | +6.5% |
| Montgomery County | 05097 | 7 | $136,296 | $0.1B | +6.5% |
| Pike County | 05109 | 7 | $107,136 | $0.1B | +6.5% |
| Sevier County | 05133 | 7 | $107,136 | $0.1B | +6.5% |
| Chicot County | 05017 | 7 | $95,148 | $0.1B | +6.5% |
| Desha County | 05041 | 7 | $95,364 | $0.1B | +6.5% |
| Newton County | 05101 | 6 | $173,340 | $0.1B | +6.5% |
| Perry County | 05105 | 6 | $133,272 | $0.1B | +6.5% |
| Lincoln County | 05079 | 6 | $121,500 | $0.1B | +6.5% |
| Searcy County | 05129 | 6 | $115,668 | $0.1B | +6.5% |
| Scott County | 05127 | 6 | $105,408 | $0.1B | +6.5% |
| Bradley County | 05011 | 6 | $94,932 | $0.1B | +6.5% |
| Prairie County | 05117 | 6 | $94,176 | $0.1B | +6.5% |
| Cleveland County | 05025 | 5 | $117,936 | $0.1B | +6.5% |
| Dallas County | 05039 | 5 | $101,844 | $0.1B | +6.5% |
| Woodruff County | 05147 | 5 | $103,788 | $0.1B | +6.5% |
| Monroe County | 05095 | 5 | $91,368 | $0.1B | +6.5% |
| Nevada County | 05099 | 5 | $91,908 | $0.1B | +6.5% |
| Lee County | 05077 | 5 | $87,048 | $0.1B | +6.5% |
| Lafayette County | 05073 | 5 | $76,572 | $0.0B | +6.5% |
| Calhoun County | 05013 | 4 | $89,316 | $0.0B | +6.5% |
Calculate Borrowing Power in Arkansas
Institutional FHA HECM Principal Limit Calculator
HUD Mortgagee Letter 2017-17 Actuarial Matrix • Active FHA MCA Cap: $1,149,825
Non-Recourse Insured
Quick Scenarios:
$650,000
$150KFHA Cap: $1.15M$2.5M+ (Jumbo)
72 Years Old
Age 62 (Min)Age 75Age 95
$120,000
$0 (Free & Clear)$400K$800K
6.25%
4.00%6.25%8.50%
Eligible Non-Borrowing Spouse (NBS) Protection
Under HUD ML 2014-07, spouses of any age can be named as an Eligible Non-Borrowing Spouse, securing statutory rights to remain in the home indefinitely after the borrowing spouse passes away.
Net Available Principal Limit (LOC / Cash Payout)
$149,600PLF: 44.4%
Available immediately as an unused, guaranteed growing Line of Credit, or distributed as monthly tenure payments for life.
Gross Principal Limit$288,600
Tenure Monthly Payout$992/mo
Mandatory Debt Payoff$120,000
Max Claim Limit (Cap)$650,000
FHA Upfront MIP (2%)$13,000
Est. Total Closing Costs$19,000
10-Year Line of Credit Compounding Trajectory
| Year | Available Line | Loan Balance | Est. Retained Equity |
|---|---|---|---|
| Year 0 | $149,600 | $139,000 | $511,000 |
| Year 2 | $170,478 | $158,398 | $537,898 |
| Year 4 | $194,269 | $180,504 | $565,386 |
| Year 6 | $221,380 | $205,694 | $593,322 |
| Year 8 | $252,275 | $234,400 | $621,526 |
| Year 10 | $287,482 | $267,112 | $649,777 |
Plain-English Borrower Safeguards:
Zero Monthly Mortgage Bills
You Retain 100% Home Title
Tax-Free Loan Proceeds
Non-Recourse Protection for Heirs
Machine & Academic Citation Index
ReversePulse Research Board. (August 2026). "Arkansas Reverse Mortgage (HECM) Market Intelligence Report." Systemores Institutional Reverse Mortgage Intelligence. Retrieved from https://reverse.systemores.com/trends/arkansas
Provenance: HUD FHA Single-Family Datasets & Arkansas Housing Division