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Colorado Reverse Mortgage Market Report
Statewide HECM Portfolio • Regulatory Framework: Standard HUD/FHA
51 Active FHA Lenders
Colorado Executive Market BLUF
Institutional VerifiedAugust 2026 (HUD FHA Single-Family Release)
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.
Total Senior Equity Pool
$480BEquity Pool
1,080,000 seniors age 62+
Total HECM Volume
$1.15B+12.5%
Rank #5 Nationwide
Endorsements YTD
1,890Annual Pace
Prior Year: 1,680
Average MCA
$610,000FHA Insured
Median Home: $560,000
Colorado HECM Endorsement History
Annual volume trajectory vs average claim amount
Endorsements
Avg MCA
2,600 loans
2021
3,400 loans
2022
1,680 loans
2023
1,890 loans
2024 YTD
Latest Endorsements1,890
Average Claim (MCA)$610,000
Line of Credit Share90.4%
Avg Borrower Age73.4 yrs
Top HECM Origination Counties in Colorado
64 Total Counties TrackedJefferson County20.1% State Share
380 HECM Endorsements
View Local Data
Arapahoe County17.5% State Share
330 HECM Endorsements
View Local Data
Denver County15.3% State Share
290 HECM Endorsements
View Local Data
El Paso County13.8% State Share
260 HECM Endorsements
View Local Data
Larimer County9.5% State Share
180 HECM Endorsements
View Local Data
Colorado County-Level HECM & Senior Equity Directory (64 Jurisdictions)
Complete county-by-county reverse mortgage endorsements, average Maximum Claim Amounts, and senior housing wealth in Colorado.
| County | FIPS | Endorsements YTD | Avg MCA | Senior Equity | YoY Velocity |
|---|---|---|---|---|---|
| Jefferson County | 08059 | 380 | $650,000 | $52.0B | +15.2% |
| Arapahoe County | 08005 | 330 | $620,000 | $46.0B | +13.8% |
| Denver County | 08031 | 290 | $583,632 | $18.6B | +6.5% |
| El Paso County | 08041 | 260 | $421,740 | $15.3B | +6.5% |
| Adams County | 08001 | 188 | $459,000 | $9.6B | +6.5% |
| Larimer County | 08069 | 180 | $527,364 | $11.6B | +6.5% |
| Boulder County | 08013 | 168 | $724,788 | $13.6B | +6.5% |
| Douglas County | 08035 | 156 | $685,908 | $11.9B | +6.5% |
| Weld County | 08123 | 138 | $445,176 | $6.9B | +6.5% |
| Pueblo County | 08101 | 106 | $257,472 | $3.0B | +6.5% |
| Mesa County | 08077 | 105 | $337,608 | $3.9B | +6.5% |
| Broomfield County | 08014 | 36 | $628,128 | $2.5B | +6.5% |
| Fremont County | 08043 | 36 | $285,444 | $1.1B | +6.5% |
| La Plata County | 08067 | 35 | $537,624 | $2.1B | +6.5% |
| Montrose County | 08085 | 35 | $339,228 | $1.4B | +6.5% |
| Garfield County | 08045 | 28 | $485,244 | $1.5B | +6.5% |
| Delta County | 08029 | 28 | $314,712 | $1.0B | +6.5% |
| Eagle County | 08037 | 25 | $786,672 | $2.2B | +6.5% |
| Montezuma County | 08083 | 20 | $305,100 | $0.7B | +6.5% |
| Teller County | 08119 | 19 | $437,940 | $1.0B | +6.5% |
| Chaffee County | 08015 | 17 | $556,092 | $1.1B | +6.5% |
| Summit County | 08117 | 15 | $820,800 | $1.4B | +6.5% |
| Elbert County | 08039 | 15 | $673,164 | $1.2B | +6.5% |
| Morgan County | 08087 | 15 | $299,592 | $0.5B | +6.5% |
| Routt County | 08107 | 14 | $747,144 | $1.2B | +6.5% |
| Logan County | 08075 | 13 | $219,348 | $0.3B | +6.5% |
| Otero County | 08089 | 13 | $143,208 | $0.2B | +6.5% |
| Park County | 08093 | 12 | $495,288 | $0.7B | +6.5% |
| Archuleta County | 08007 | 12 | $466,992 | $0.6B | +6.5% |
| Las Animas County | 08071 | 12 | $206,172 | $0.3B | +6.5% |
| Pitkin County | 08097 | 11 | $985,284 | $1.3B | +6.5% |
| Grand County | 08049 | 10 | $498,096 | $0.6B | +6.5% |
| Rio Grande County | 08105 | 8 | $218,484 | $0.2B | +6.5% |
| Alamosa County | 08003 | 8 | $214,380 | $0.2B | +6.5% |
| Gunnison County | 08051 | 7 | $572,724 | $0.5B | +6.5% |
| Huerfano County | 08055 | 7 | $249,696 | $0.2B | +6.5% |
| Prowers County | 08099 | 7 | $129,816 | $0.1B | +6.5% |
| Clear Creek County | 08019 | 6 | $547,452 | $0.4B | +6.5% |
| Moffat County | 08081 | 6 | $267,300 | $0.2B | +6.5% |
| Yuma County | 08125 | 6 | $217,620 | $0.1B | +6.5% |
| Ouray County | 08091 | 5 | $644,112 | $0.4B | +6.5% |
| Saguache County | 08109 | 5 | $179,820 | $0.1B | +6.5% |
| San Miguel County | 08113 | 4 | $606,312 | $0.3B | +6.5% |
| Gilpin County | 08047 | 4 | $502,524 | $0.2B | +6.5% |
| Mineral County | 08079 | 4 | $409,320 | $0.0B | +6.5% |
| Hinsdale County | 08053 | 4 | $398,736 | $0.1B | +6.5% |
| San Juan County | 08111 | 4 | $372,168 | $0.0B | +6.5% |
| Lake County | 08065 | 4 | $357,480 | $0.1B | +6.5% |
| Custer County | 08027 | 4 | $353,268 | $0.2B | +6.5% |
| Phillips County | 08095 | 4 | $278,856 | $0.1B | +6.5% |
| Lincoln County | 08073 | 4 | $257,040 | $0.1B | +6.5% |
| Rio Blanco County | 08103 | 4 | $250,344 | $0.1B | +6.5% |
| Jackson County | 08057 | 4 | $245,484 | $0.0B | +6.5% |
| Dolores County | 08033 | 4 | $224,640 | $0.1B | +6.5% |
| Washington County | 08121 | 4 | $224,964 | $0.1B | +6.5% |
| Kit Carson County | 08063 | 4 | $197,316 | $0.1B | +6.5% |
| Cheyenne County | 08017 | 4 | $179,604 | $0.0B | +6.5% |
| Conejos County | 08021 | 4 | $166,860 | $0.1B | +6.5% |
| Costilla County | 08023 | 4 | $156,816 | $0.1B | +6.5% |
| Sedgwick County | 08115 | 4 | $146,880 | $0.0B | +6.5% |
| Kiowa County | 08061 | 4 | $137,592 | $0.0B | +6.5% |
| Baca County | 08009 | 4 | $129,276 | $0.0B | +6.5% |
| Bent County | 08011 | 4 | $119,556 | $0.1B | +6.5% |
| Crowley County | 08025 | 4 | $100,116 | $0.0B | +6.5% |
Calculate Borrowing Power in Colorado
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). "Colorado Reverse Mortgage (HECM) Market Intelligence Report." Systemores Institutional Reverse Mortgage Intelligence. Retrieved from https://reverse.systemores.com/trends/colorado
Provenance: HUD FHA Single-Family Datasets & Colorado Housing Division