Colorado Reverse Mortgage Market Report
Statewide HECM Portfolio • Regulatory Framework: Standard HUD/FHA
Colorado Executive Market BLUF
Colorado consistently ranks among the top per-capita HECM markets nationwide. High Front Range property valuations combined with active retirement lifestyles drive high line-of-credit establishment as financial buffer strategies.
Strategic Key Takeaways
- •Statewide senior home equity: $480.0 Billion.
- •Average Maximum Claim Amount (MCA): $610,000.
- •Annual endorsement momentum: +12.5% YoY.
- •Regulatory category: Standard HUD/FHA.
1,080,000 seniors age 62+
Rank #5 Nationwide
Prior Year: 1,680
Median Home: $560,000
Colorado HECM Endorsement History
Annual volume trajectory vs average claim amount
Top HECM Origination Counties in Colorado
380 HECM Endorsements
330 HECM Endorsements
290 HECM Endorsements
260 HECM Endorsements
180 HECM Endorsements
Calculate Borrowing Power in Colorado
Institutional FHA HECM Principal Limit Calculator
HUD Mortgagee Letter 2017-17 Calibrated • 2026 FHA MCA Cap: $1,149,825
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.
Available immediately as an unused, guaranteed growing Line of Credit, or distributed as monthly tenure payments for life.
10-Year Line of Credit Compounding Trajectory
| Year | Available Line | Loan Balance | Est. Retained Equity |
|---|---|---|---|
| Year 0 | $148,300 | $139,000 | $511,000 |
| Year 2 | $168,996 | $158,398 | $537,898 |
| Year 4 | $192,581 | $180,504 | $565,386 |
| Year 6 | $219,457 | $205,694 | $593,322 |
| Year 8 | $250,083 | $234,400 | $621,526 |
| Year 10 | $284,984 | $267,112 | $649,777 |