#30
Louisiana Reverse Mortgage Market Report
Statewide HECM Portfolio • Regulatory Framework: Standard HUD/FHA
29 Active FHA Lenders
Louisiana Executive Market BLUF
Institutional VerifiedAugust 2026 (HUD FHA Single-Family Release)
Louisiana reverse mortgages provide crucial buffer liquidity against escalating Gulf Coast homeowners and flood insurance costs.
Strategic Key Takeaways
- •Statewide senior home equity: $180.0 Billion.
- •Average Maximum Claim Amount (MCA): $279,000.
- •Annual endorsement momentum: +7.5% YoY.
- •Regulatory category: Standard HUD/FHA.
Total Senior Equity Pool
$180BEquity Pool
980,000 seniors age 62+
Total HECM Volume
$0.12B+7.5%
Rank #30 Nationwide
Endorsements YTD
430Annual Pace
Prior Year: 400
Average MCA
$279,000FHA Insured
Median Home: $205,000
Louisiana HECM Endorsement History
Annual volume trajectory vs average claim amount
Endorsements
Avg MCA
430 loans
2024 YTD
Latest Endorsements430
Average Claim (MCA)$279,000
Line of Credit Share87.2%
Avg Borrower Age74.6 yrs
Top HECM Origination Counties in Louisiana
64 Total Counties TrackedLouisiana County-Level HECM & Senior Equity Directory (64 Jurisdictions)
Complete county-by-county reverse mortgage endorsements, average Maximum Claim Amounts, and senior housing wealth in Louisiana.
| County | FIPS | Endorsements YTD | Avg MCA | Senior Equity | YoY Velocity |
|---|---|---|---|---|---|
| Orleans Parish | 22071 | 203 | $304,020 | $6.9B | +6.5% |
| St. Tammany Parish | 22103 | 158 | $283,392 | $5.0B | +6.5% |
| Caddo Parish | 22017 | 142 | $180,036 | $2.9B | +6.5% |
| Lafayette Parish | 22055 | 114 | $240,192 | $3.0B | +6.5% |
| Calcasieu Parish | 22019 | 108 | $212,652 | $2.6B | +6.5% |
| East Baton Rouge Parish | 22033 | 90 | $251,424 | $6.3B | +6.5% |
| Ouachita Parish | 22073 | 82 | $186,624 | $1.7B | +6.5% |
| Jefferson Parish | 22051 | 80 | $250,236 | $7.3B | +6.5% |
| Rapides Parish | 22079 | 71 | $185,112 | $1.5B | +6.5% |
| Tangipahoa Parish | 22105 | 66 | $208,764 | $1.6B | +6.5% |
| Livingston Parish | 22063 | 65 | $226,908 | $1.6B | +6.5% |
| Bossier Parish | 22015 | 63 | $223,128 | $1.6B | +6.5% |
| Terrebonne Parish | 22109 | 55 | $188,352 | $1.1B | +6.5% |
| Ascension Parish | 22005 | 52 | $276,048 | $1.6B | +6.5% |
| Lafourche Parish | 22057 | 51 | $191,376 | $1.1B | +6.5% |
| St. Landry Parish | 22097 | 45 | $160,272 | $0.8B | +6.5% |
| Iberia Parish | 22045 | 36 | $164,592 | $0.7B | +6.5% |
| Vermilion Parish | 22113 | 30 | $166,320 | $0.6B | +6.5% |
| Acadia Parish | 22001 | 30 | $156,708 | $0.5B | +6.5% |
| St. Mary Parish | 22101 | 29 | $138,240 | $0.5B | +6.5% |
| St. Martin Parish | 22099 | 28 | $151,092 | $0.5B | +6.5% |
| Washington Parish | 22117 | 28 | $143,856 | $0.5B | +6.5% |
| St. Charles Parish | 22089 | 25 | $268,488 | $0.8B | +6.5% |
| Webster Parish | 22119 | 24 | $108,108 | $0.3B | +6.5% |
| Lincoln Parish | 22061 | 22 | $199,044 | $0.5B | +6.5% |
| Avoyelles Parish | 22009 | 22 | $133,488 | $0.3B | +6.5% |
| Vernon Parish | 22115 | 21 | $153,252 | $0.4B | +6.5% |
| St. John the Baptist Parish | 22095 | 20 | $187,056 | $0.4B | +6.5% |
| Natchitoches Parish | 22069 | 20 | $168,156 | $0.4B | +6.5% |
| Beauregard Parish | 22011 | 19 | $162,216 | $0.3B | +6.5% |
| St. Bernard Parish | 22087 | 18 | $198,720 | $0.4B | +6.5% |
| Jefferson Davis Parish | 22053 | 18 | $161,784 | $0.3B | +6.5% |
| Iberville Parish | 22047 | 16 | $174,312 | $0.3B | +6.5% |
| De Soto Parish | 22031 | 16 | $155,628 | $0.3B | +6.5% |
| Evangeline Parish | 22039 | 16 | $109,080 | $0.2B | +6.5% |
| Morehouse Parish | 22067 | 16 | $112,644 | $0.2B | +6.5% |
| Sabine Parish | 22085 | 15 | $121,284 | $0.2B | +6.5% |
| Union Parish | 22111 | 15 | $126,684 | $0.2B | +6.5% |
| Pointe Coupee Parish | 22077 | 14 | $186,300 | $0.3B | +6.5% |
| West Baton Rouge Parish | 22121 | 13 | $241,812 | $0.3B | +6.5% |
| Assumption Parish | 22007 | 13 | $141,048 | $0.2B | +6.5% |
| East Feliciana Parish | 22037 | 12 | $221,184 | $0.3B | +6.5% |
| St. James Parish | 22093 | 12 | $200,016 | $0.3B | +6.5% |
| Franklin Parish | 22041 | 12 | $107,136 | $0.1B | +6.5% |
| Grant Parish | 22043 | 11 | $138,348 | $0.2B | +6.5% |
| Richland Parish | 22083 | 11 | $131,544 | $0.2B | +6.5% |
| Allen Parish | 22003 | 11 | $122,472 | $0.2B | +6.5% |
| Concordia Parish | 22029 | 11 | $102,168 | $0.1B | +6.5% |
| Plaquemines Parish | 22075 | 10 | $273,564 | $0.3B | +6.5% |
| Jackson Parish | 22049 | 10 | $114,156 | $0.1B | +6.5% |
| Claiborne Parish | 22027 | 10 | $85,428 | $0.1B | +6.5% |
| Bienville Parish | 22013 | 9 | $92,664 | $0.1B | +6.5% |
| West Feliciana Parish | 22125 | 8 | $258,876 | $0.2B | +6.5% |
| Winn Parish | 22127 | 8 | $105,948 | $0.1B | +6.5% |
| LaSalle Parish | 22059 | 7 | $130,140 | $0.1B | +6.5% |
| St. Helena Parish | 22091 | 7 | $113,076 | $0.1B | +6.5% |
| West Carroll Parish | 22123 | 6 | $108,648 | $0.1B | +6.5% |
| Caldwell Parish | 22021 | 5 | $111,780 | $0.1B | +6.5% |
| Catahoula Parish | 22025 | 5 | $98,604 | $0.1B | +6.5% |
| Madison Parish | 22065 | 5 | $95,256 | $0.1B | +6.5% |
| Cameron Parish | 22023 | 4 | $191,808 | $0.1B | +6.5% |
| Red River Parish | 22081 | 4 | $107,028 | $0.1B | +6.5% |
| Tensas Parish | 22107 | 4 | $84,564 | $0.0B | +6.5% |
| East Carroll Parish | 22035 | 4 | $78,408 | $0.0B | +6.5% |
Calculate Borrowing Power in Louisiana
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). "Louisiana Reverse Mortgage (HECM) Market Intelligence Report." Systemores Institutional Reverse Mortgage Intelligence. Retrieved from https://reverse.systemores.com/trends/louisiana
Provenance: HUD FHA Single-Family Datasets & Louisiana Housing Division