ReversePulseHECM 2026
Home/Market Trends/Kansas
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Kansas Reverse Mortgage Market Report

Statewide HECM Portfolio • Regulatory Framework: Standard HUD/FHA

25 Active FHA Lenders

Kansas Executive Market BLUF

Institutional VerifiedAugust 2026 (HUD FHA Single-Family Release)

Johnson County (Overland Park/Olathe) drives the vast majority of Kansas HECM activity with high equity retention.

Strategic Key Takeaways

  • •Statewide senior home equity: $110.0 Billion.
  • •Average Maximum Claim Amount (MCA): $250,000.
  • •Annual endorsement momentum: +6.7% YoY.
  • •Regulatory category: Standard HUD/FHA.
Total Senior Equity Pool
$110BEquity Pool

610,000 seniors age 62+

Total HECM Volume
$0.08B+6.7%

Rank #35 Nationwide

Endorsements YTD
320Annual Pace

Prior Year: 300

Average MCA
$250,000FHA Insured

Median Home: $220,000

Kansas HECM Endorsement History

Annual volume trajectory vs average claim amount

Endorsements
Avg MCA
320 loans
2024 YTD
Latest Endorsements320
Average Claim (MCA)$250,000
Line of Credit Share88%
Avg Borrower Age74.4 yrs

Top HECM Origination Counties in Kansas

105 Total Counties Tracked
Johnson County43.8% State Share

140 HECM Endorsements

View Local Data
Sedgwick County21.9% State Share

70 HECM Endorsements

View Local Data

Kansas County-Level HECM & Senior Equity Directory (105 Jurisdictions)

Complete county-by-county reverse mortgage endorsements, average Maximum Claim Amounts, and senior housing wealth in Kansas.

CountyFIPSEndorsements YTDAvg MCASenior EquityYoY Velocity
Johnson County20091140$370,764$12.8B+6.5%
Shawnee County20177111$172,692$2.1B+6.5%
Wyandotte County2020973$150,984$1.2B+6.5%
Sedgwick County2017370$189,756$5.6B+6.5%
Douglas County2004552$280,260$1.6B+6.5%
Leavenworth County2010341$260,064$1.2B+6.5%
Reno County2015541$128,736$0.6B+6.5%
Butler County2001535$196,236$0.8B+6.5%
Saline County2016933$174,852$0.7B+6.5%
Riley County2016123$249,480$0.6B+6.5%
Harvey County2007923$172,908$0.5B+6.5%
Cowley County2003521$112,320$0.3B+6.5%
Crawford County2003720$123,228$0.3B+6.5%
Montgomery County2012520$97,416$0.2B+6.5%
Miami County2012119$273,348$0.6B+6.5%
McPherson County2011319$195,372$0.4B+6.5%
Barton County2000917$122,256$0.2B+6.5%
Lyon County2011116$146,988$0.3B+6.5%
Franklin County2005915$189,540$0.3B+6.5%
Ellis County2005114$215,028$0.3B+6.5%
Finney County2005514$198,612$0.3B+6.5%
Sumner County2019114$125,712$0.2B+6.5%
Ford County2005713$131,220$0.2B+6.5%
Labette County2009913$102,168$0.1B+6.5%
Pottawatomie County2014912$239,328$0.3B+6.5%
Dickinson County2004112$147,960$0.2B+6.5%
Cherokee County2002112$99,144$0.1B+6.5%
Jefferson County2008711$208,440$0.3B+6.5%
Geary County2006110$175,392$0.2B+6.5%
Osage County2013910$149,472$0.2B+6.5%
Neosho County2013310$107,352$0.1B+6.5%
Atchison County200059$133,272$0.1B+6.5%
Marion County201159$123,876$0.1B+6.5%
Bourbon County200119$103,248$0.1B+6.5%
Jackson County200858$182,628$0.2B+6.5%
Allen County200018$103,356$0.1B+6.5%
Linn County201077$160,056$0.1B+6.5%
Seward County201757$136,080$0.1B+6.5%
Marshall County201177$121,284$0.1B+6.5%
Nemaha County201316$188,460$0.1B+6.5%
Clay County200276$147,528$0.1B+6.5%
Coffey County200316$141,696$0.1B+6.5%
Pratt County201516$119,988$0.1B+6.5%
Brown County200136$117,396$0.1B+6.5%
Cloud County200296$98,388$0.1B+6.5%
Wilson County202056$99,036$0.1B+6.5%
Rice County201596$94,716$0.1B+6.5%
Anderson County200035$153,036$0.1B+6.5%
Russell County201675$111,780$0.1B+6.5%
Greenwood County200735$70,092$0.0B+6.5%
Wabaunsee County201974$183,168$0.1B+6.5%
Gray County200694$175,392$0.1B+6.5%
Scott County201714$179,388$0.1B+6.5%
Thomas County201934$178,524$0.1B+6.5%
Ottawa County201434$170,424$0.1B+6.5%
Grant County200674$159,624$0.1B+6.5%
Kearny County200934$154,656$0.0B+6.5%
Meade County201194$148,500$0.0B+6.5%
Haskell County200814$143,100$0.0B+6.5%
Sheridan County201794$145,692$0.0B+6.5%
Stevens County201894$144,504$0.1B+6.5%
Sherman County201814$133,812$0.1B+6.5%
Kiowa County200974$131,328$0.0B+6.5%
Cheyenne County200234$123,876$0.0B+6.5%
Doniphan County200434$125,712$0.1B+6.5%
Greeley County200714$124,956$0.0B+6.5%
Hamilton County200754$126,144$0.0B+6.5%
Logan County201094$125,388$0.0B+6.5%
Morris County201274$120,636$0.1B+6.5%
Trego County201954$124,092$0.0B+6.5%
Chase County200174$116,964$0.0B+6.5%
Ellsworth County200534$118,152$0.1B+6.5%
Gove County200634$121,824$0.0B+6.5%
Norton County201374$118,584$0.1B+6.5%
Rawlins County201534$117,180$0.0B+6.5%
Washington County202014$114,588$0.1B+6.5%
Kingman County200954$105,300$0.1B+6.5%
Mitchell County201234$108,756$0.1B+6.5%
Lincoln County201054$101,628$0.0B+6.5%
Morton County201294$103,680$0.0B+6.5%
Pawnee County201454$101,304$0.1B+6.5%
Phillips County201474$103,032$0.1B+6.5%
Stafford County201854$103,788$0.0B+6.5%
Wallace County201994$103,896$0.0B+6.5%
Wichita County202034$104,436$0.0B+6.5%
Graham County200654$94,392$0.0B+6.5%
Rooks County201634$95,256$0.0B+6.5%
Barber County200074$89,964$0.0B+6.5%
Harper County200774$87,480$0.0B+6.5%
Hodgeman County200834$92,988$0.0B+6.5%
Lane County201014$88,884$0.0B+6.5%
Ness County201354$86,832$0.0B+6.5%
Osborne County201414$87,048$0.0B+6.5%
Smith County201834$90,612$0.0B+6.5%
Woodson County202074$92,124$0.0B+6.5%
Clark County200254$84,780$0.0B+6.5%
Decatur County200394$82,188$0.0B+6.5%
Republic County201574$76,680$0.0B+6.5%
Rush County201654$80,892$0.0B+6.5%
Stanton County201874$79,920$0.0B+6.5%
Comanche County200334$68,904$0.0B+6.5%
Edwards County200474$70,740$0.0B+6.5%
Chautauqua County200194$63,072$0.0B+6.5%
Elk County200494$61,668$0.0B+6.5%
Jewell County200894$63,072$0.0B+6.5%

Calculate Borrowing Power in Kansas

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

Growth Rate: 6.75%
YearAvailable LineLoan BalanceEst. 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). "Kansas Reverse Mortgage (HECM) Market Intelligence Report." Systemores Institutional Reverse Mortgage Intelligence. Retrieved from https://reverse.systemores.com/trends/kansas
Provenance: HUD FHA Single-Family Datasets & Kansas Housing Division