ReversePulseHECM 2026
Home/Market Trends/Kentucky
#31

Kentucky Reverse Mortgage Market Report

Statewide HECM Portfolio • Regulatory Framework: Standard HUD/FHA

28 Active FHA Lenders

Kentucky Executive Market BLUF

Institutional VerifiedAugust 2026 (HUD FHA Single-Family Release)

Kentucky originations are concentrated in Louisville and Lexington, providing reliable pension supplementation.

Strategic Key Takeaways

  • •Statewide senior home equity: $170.0 Billion.
  • •Average Maximum Claim Amount (MCA): $243,000.
  • •Annual endorsement momentum: +7.9% YoY.
  • •Regulatory category: Standard HUD/FHA.
Total Senior Equity Pool
$170BEquity Pool

960,000 seniors age 62+

Total HECM Volume
$0.10B+7.9%

Rank #31 Nationwide

Endorsements YTD
410Annual Pace

Prior Year: 380

Average MCA
$243,000FHA Insured

Median Home: $200,000

Kentucky HECM Endorsement History

Annual volume trajectory vs average claim amount

Endorsements
Avg MCA
410 loans
2024 YTD
Latest Endorsements410
Average Claim (MCA)$243,000
Line of Credit Share86.9%
Avg Borrower Age74.7 yrs

Top HECM Origination Counties in Kentucky

120 Total Counties Tracked
Jefferson County29.3% State Share

120 HECM Endorsements

View Local Data
Fayette County19.5% State Share

80 HECM Endorsements

View Local Data

Kentucky County-Level HECM & Senior Equity Directory (120 Jurisdictions)

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

CountyFIPSEndorsements YTDAvg MCASenior EquityYoY Velocity
Jefferson County21111120$239,976$11.7B+6.5%
Kenton County2111785$224,316$2.1B+6.5%
Fayette County2106780$267,732$4.5B+6.5%
Boone County2101564$256,608$1.9B+6.5%
Warren County2122759$245,484$1.6B+6.5%
Daviess County2105959$184,788$1.2B+6.5%
Hardin County2109354$201,420$1.2B+6.5%
Campbell County2103752$231,552$1.3B+6.5%
Bullitt County2102945$231,120$1.2B+6.5%
McCracken County2114545$186,084$0.9B+6.5%
Madison County2115144$216,648$1.1B+6.5%
Pulaski County2119941$151,632$0.7B+6.5%
Pike County2119537$104,652$0.4B+6.5%
Laurel County2112535$152,604$0.6B+6.5%
Boyd County2101932$139,320$0.5B+6.5%
Oldham County2118531$386,100$1.4B+6.5%
Franklin County2107331$198,720$0.7B+6.5%
Christian County2104730$153,360$0.5B+6.5%
Hopkins County2110728$135,864$0.4B+6.5%
Jessamine County2111327$245,052$0.8B+6.5%
Henderson County2110127$168,696$0.5B+6.5%
Shelby County2121126$267,300$0.8B+6.5%
Nelson County2117926$220,320$0.6B+6.5%
Barren County2100926$169,344$0.5B+6.5%
Greenup County2108925$142,776$0.4B+6.5%
Scott County2120924$260,064$0.7B+6.5%
Marshall County2115723$173,448$0.5B+6.5%
Clark County2104922$197,856$0.5B+6.5%
Graves County2108322$145,692$0.4B+6.5%
Floyd County2107122$97,092$0.2B+6.5%
Calloway County2103521$182,628$0.4B+6.5%
Muhlenberg County2117720$125,172$0.3B+6.5%
Boyle County2102119$194,184$0.4B+6.5%
Whitley County2123519$123,444$0.3B+6.5%
Woodford County2123917$279,828$0.6B+6.5%
Logan County2114117$144,936$0.3B+6.5%
Carter County2104317$132,084$0.3B+6.5%
Knox County2112117$117,936$0.2B+6.5%
Perry County2119316$100,224$0.2B+6.5%
Harlan County2109516$77,004$0.1B+6.5%
Taylor County2121715$169,344$0.3B+6.5%
Grayson County2108515$152,820$0.3B+6.5%
Montgomery County2117315$153,684$0.3B+6.5%
Lincoln County2113715$140,508$0.2B+6.5%
Bell County2101315$82,836$0.1B+6.5%
Meade County2116314$202,392$0.3B+6.5%
Mercer County2116714$195,912$0.3B+6.5%
Johnson County2111514$141,372$0.2B+6.5%
Ohio County2118314$124,092$0.2B+6.5%
Letcher County2113314$71,280$0.1B+6.5%
Breckinridge County2102713$134,784$0.2B+6.5%
Wayne County2123113$121,824$0.2B+6.5%
Anderson County2100512$214,704$0.3B+6.5%
Bourbon County2101712$202,716$0.3B+6.5%
Allen County2100312$173,016$0.2B+6.5%
Adair County2100112$137,052$0.2B+6.5%
Russell County2120712$131,112$0.2B+6.5%
Grant County2108111$187,488$0.3B+6.5%
Harrison County2109711$184,248$0.2B+6.5%
Rowan County2120511$161,892$0.2B+6.5%
Marion County2115511$152,280$0.2B+6.5%
Casey County2104511$134,244$0.2B+6.5%
Simpson County2121310$192,888$0.2B+6.5%
Trigg County2122110$187,812$0.2B+6.5%
Garrard County2107910$184,464$0.2B+6.5%
Mason County2116110$169,128$0.2B+6.5%
Hart County2109910$124,740$0.1B+6.5%
Rockcastle County2120310$108,324$0.1B+6.5%
Clay County2105110$79,380$0.1B+6.5%
Spencer County212159$311,256$0.3B+6.5%
Henry County211039$174,528$0.2B+6.5%
Fleming County210699$118,044$0.1B+6.5%
Estill County210659$108,648$0.1B+6.5%
Lawrence County211279$108,324$0.1B+6.5%
McCreary County211479$92,124$0.1B+6.5%
Knott County211199$71,928$0.1B+6.5%
Larue County211238$177,120$0.2B+6.5%
Pendleton County211918$164,160$0.1B+6.5%
Edmonson County210618$125,280$0.1B+6.5%
Union County212258$117,828$0.1B+6.5%
Caldwell County210338$111,456$0.1B+6.5%
Lewis County211358$90,072$0.1B+6.5%
Breathitt County210258$63,504$0.1B+6.5%
Lyon County211437$177,228$0.1B+6.5%
Washington County212297$171,396$0.1B+6.5%
Owen County211877$163,404$0.1B+6.5%
Monroe County211717$123,012$0.1B+6.5%
Bath County210117$109,404$0.1B+6.5%
Butler County210317$110,376$0.1B+6.5%
Jackson County211097$110,052$0.1B+6.5%
Green County210877$104,868$0.1B+6.5%
Morgan County211757$98,064$0.1B+6.5%
Webster County212337$93,636$0.1B+6.5%
Magoffin County211537$90,072$0.1B+6.5%
McLean County211496$150,552$0.1B+6.5%
Powell County211976$133,272$0.1B+6.5%
Todd County212196$136,728$0.1B+6.5%
Crittenden County210556$113,724$0.1B+6.5%
Livingston County211396$116,748$0.1B+6.5%
Clinton County210536$97,848$0.1B+6.5%
Martin County211596$99,144$0.1B+6.5%
Metcalfe County211696$102,708$0.1B+6.5%
Leslie County211316$84,132$0.1B+6.5%
Trimble County212235$164,808$0.1B+6.5%
Carroll County210415$138,348$0.1B+6.5%
Hancock County210915$126,144$0.1B+6.5%
Ballard County210075$110,160$0.1B+6.5%
Elliott County210635$97,632$0.1B+6.5%
Gallatin County210774$166,968$0.1B+6.5%
Robertson County212014$154,980$0.0B+6.5%
Cumberland County210574$136,188$0.1B+6.5%
Bracken County210234$124,308$0.1B+6.5%
Hickman County211054$121,716$0.1B+6.5%
Nicholas County211814$120,204$0.1B+6.5%
Menifee County211654$112,968$0.1B+6.5%
Carlisle County210394$97,308$0.0B+6.5%
Lee County211294$83,592$0.0B+6.5%
Owsley County211894$84,780$0.0B+6.5%
Fulton County210754$81,000$0.0B+6.5%
Wolfe County212374$67,176$0.0B+6.5%

Calculate Borrowing Power in Kentucky

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). "Kentucky Reverse Mortgage (HECM) Market Intelligence Report." Systemores Institutional Reverse Mortgage Intelligence. Retrieved from https://reverse.systemores.com/trends/kentucky
Provenance: HUD FHA Single-Family Datasets & Kentucky Housing Division