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Nebraska Reverse Mortgage Market Report
Statewide HECM Portfolio • Regulatory Framework: Standard HUD/FHA
22 Active FHA Lenders
Nebraska Executive Market BLUF
Institutional VerifiedAugust 2026 (HUD FHA Single-Family Release)
Nebraska originations are centered in Omaha and Lincoln, with Mutual of Omaha corporate presence driving high consumer awareness.
Strategic Key Takeaways
- •Statewide senior home equity: $75.0 Billion.
- •Average Maximum Claim Amount (MCA): $250,000.
- •Annual endorsement momentum: +9.1% YoY.
- •Regulatory category: Standard HUD/FHA.
Total Senior Equity Pool
$75BEquity Pool
410,000 seniors age 62+
Total HECM Volume
$0.06B+9.1%
Rank #39 Nationwide
Endorsements YTD
240Annual Pace
Prior Year: 220
Average MCA
$250,000FHA Insured
Median Home: $245,000
Nebraska HECM Endorsement History
Annual volume trajectory vs average claim amount
Endorsements
Avg MCA
240 loans
2024 YTD
Latest Endorsements240
Average Claim (MCA)$250,000
Line of Credit Share87.5%
Avg Borrower Age74.5 yrs
Top HECM Origination Counties in Nebraska
93 Total Counties TrackedNebraska County-Level HECM & Senior Equity Directory (93 Jurisdictions)
Complete county-by-county reverse mortgage endorsements, average Maximum Claim Amounts, and senior housing wealth in Nebraska.
| County | FIPS | Endorsements YTD | Avg MCA | Senior Equity | YoY Velocity |
|---|---|---|---|---|---|
| Douglas County | 31055 | 110 | $245,592 | $7.2B | +6.5% |
| Sarpy County | 31153 | 78 | $284,040 | $2.5B | +6.5% |
| Lancaster County | 31109 | 60 | $259,092 | $4.5B | +6.5% |
| Hall County | 31079 | 32 | $206,064 | $0.7B | +6.5% |
| Buffalo County | 31019 | 26 | $236,088 | $0.7B | +6.5% |
| Dodge County | 31053 | 24 | $182,412 | $0.5B | +6.5% |
| Scotts Bluff County | 31157 | 24 | $162,648 | $0.4B | +6.5% |
| Lincoln County | 31111 | 23 | $181,332 | $0.5B | +6.5% |
| Platte County | 31141 | 20 | $211,464 | $0.5B | +6.5% |
| Madison County | 31119 | 19 | $202,068 | $0.4B | +6.5% |
| Adams County | 31001 | 18 | $179,604 | $0.4B | +6.5% |
| Cass County | 31025 | 16 | $253,044 | $0.5B | +6.5% |
| Gage County | 31067 | 15 | $168,048 | $0.3B | +6.5% |
| Saunders County | 31155 | 13 | $238,248 | $0.4B | +6.5% |
| Dawson County | 31047 | 13 | $147,852 | $0.2B | +6.5% |
| Washington County | 31177 | 12 | $287,064 | $0.4B | +6.5% |
| Seward County | 31159 | 10 | $225,396 | $0.3B | +6.5% |
| Otoe County | 31131 | 10 | $186,300 | $0.2B | +6.5% |
| Dakota County | 31043 | 9 | $171,396 | $0.2B | +6.5% |
| York County | 31185 | 9 | $173,340 | $0.2B | +6.5% |
| Keith County | 31101 | 7 | $171,612 | $0.1B | +6.5% |
| Saline County | 31151 | 7 | $168,264 | $0.1B | +6.5% |
| Holt County | 31089 | 7 | $160,812 | $0.1B | +6.5% |
| Red Willow County | 31145 | 7 | $156,276 | $0.1B | +6.5% |
| Custer County | 31041 | 7 | $144,072 | $0.1B | +6.5% |
| Knox County | 31107 | 7 | $121,716 | $0.1B | +6.5% |
| Hamilton County | 31081 | 6 | $217,296 | $0.1B | +6.5% |
| Box Butte County | 31013 | 6 | $174,528 | $0.1B | +6.5% |
| Cedar County | 31027 | 6 | $173,556 | $0.1B | +6.5% |
| Cuming County | 31039 | 6 | $172,800 | $0.1B | +6.5% |
| Phelps County | 31137 | 6 | $174,204 | $0.1B | +6.5% |
| Cheyenne County | 31033 | 6 | $126,684 | $0.1B | +6.5% |
| Richardson County | 31147 | 6 | $96,660 | $0.1B | +6.5% |
| Wayne County | 31179 | 5 | $190,296 | $0.1B | +6.5% |
| Merrick County | 31121 | 5 | $172,044 | $0.1B | +6.5% |
| Butler County | 31023 | 5 | $162,432 | $0.1B | +6.5% |
| Dawes County | 31045 | 5 | $153,468 | $0.1B | +6.5% |
| Burt County | 31021 | 5 | $132,948 | $0.1B | +6.5% |
| Jefferson County | 31095 | 5 | $126,036 | $0.1B | +6.5% |
| Antelope County | 31003 | 5 | $112,860 | $0.1B | +6.5% |
| Kearney County | 31099 | 4 | $219,456 | $0.1B | +6.5% |
| Gosper County | 31073 | 4 | $207,468 | $0.0B | +6.5% |
| Howard County | 31093 | 4 | $196,128 | $0.1B | +6.5% |
| Chase County | 31029 | 4 | $191,052 | $0.1B | +6.5% |
| Banner County | 31007 | 4 | $188,136 | $0.0B | +6.5% |
| Pierce County | 31139 | 4 | $180,792 | $0.1B | +6.5% |
| Stanton County | 31167 | 4 | $184,572 | $0.1B | +6.5% |
| Arthur County | 31005 | 4 | $177,444 | $0.0B | +6.5% |
| Boone County | 31011 | 4 | $178,632 | $0.1B | +6.5% |
| Polk County | 31143 | 4 | $164,916 | $0.1B | +6.5% |
| Sioux County | 31165 | 4 | $170,424 | $0.0B | +6.5% |
| Perkins County | 31135 | 4 | $154,764 | $0.0B | +6.5% |
| Cherry County | 31031 | 4 | $148,284 | $0.1B | +6.5% |
| Thomas County | 31171 | 4 | $151,848 | $0.0B | +6.5% |
| Harlan County | 31083 | 4 | $146,664 | $0.1B | +6.5% |
| Clay County | 31035 | 4 | $139,968 | $0.1B | +6.5% |
| Valley County | 31175 | 4 | $135,864 | $0.1B | +6.5% |
| Dixon County | 31051 | 4 | $133,380 | $0.1B | +6.5% |
| Fillmore County | 31059 | 4 | $132,516 | $0.1B | +6.5% |
| Frontier County | 31063 | 4 | $134,460 | $0.0B | +6.5% |
| Garfield County | 31071 | 4 | $133,380 | $0.0B | +6.5% |
| Logan County | 31113 | 4 | $133,488 | $0.0B | +6.5% |
| Nemaha County | 31127 | 4 | $127,764 | $0.1B | +6.5% |
| Johnson County | 31097 | 4 | $126,684 | $0.1B | +6.5% |
| Loup County | 31115 | 4 | $125,820 | $0.0B | +6.5% |
| Dundy County | 31057 | 4 | $118,692 | $0.0B | +6.5% |
| Keya Paha County | 31103 | 4 | $117,720 | $0.0B | +6.5% |
| Morrill County | 31123 | 4 | $116,316 | $0.0B | +6.5% |
| Nance County | 31125 | 4 | $116,640 | $0.0B | +6.5% |
| Sherman County | 31163 | 4 | $121,500 | $0.0B | +6.5% |
| Colfax County | 31037 | 4 | $111,672 | $0.1B | +6.5% |
| Grant County | 31075 | 4 | $112,536 | $0.0B | +6.5% |
| Hayes County | 31085 | 4 | $113,184 | $0.0B | +6.5% |
| McPherson County | 31117 | 4 | $113,724 | $0.0B | +6.5% |
| Boyd County | 31015 | 4 | $102,816 | $0.0B | +6.5% |
| Franklin County | 31061 | 4 | $103,032 | $0.0B | +6.5% |
| Sheridan County | 31161 | 4 | $104,652 | $0.1B | +6.5% |
| Thayer County | 31169 | 4 | $98,928 | $0.1B | +6.5% |
| Wheeler County | 31183 | 4 | $109,512 | $0.0B | +6.5% |
| Brown County | 31017 | 4 | $96,876 | $0.0B | +6.5% |
| Deuel County | 31049 | 4 | $99,252 | $0.0B | +6.5% |
| Furnas County | 31065 | 4 | $92,448 | $0.0B | +6.5% |
| Garden County | 31069 | 4 | $99,036 | $0.0B | +6.5% |
| Kimball County | 31105 | 4 | $99,900 | $0.0B | +6.5% |
| Nuckolls County | 31129 | 4 | $95,580 | $0.0B | +6.5% |
| Thurston County | 31173 | 4 | $97,200 | $0.0B | +6.5% |
| Webster County | 31181 | 4 | $100,224 | $0.0B | +6.5% |
| Blaine County | 31009 | 4 | $92,556 | $0.0B | +6.5% |
| Greeley County | 31077 | 4 | $92,124 | $0.0B | +6.5% |
| Hitchcock County | 31087 | 4 | $92,340 | $0.0B | +6.5% |
| Rock County | 31149 | 4 | $94,284 | $0.0B | +6.5% |
| Hooker County | 31091 | 4 | $84,564 | $0.0B | +6.5% |
| Pawnee County | 31133 | 4 | $79,920 | $0.0B | +6.5% |
Calculate Borrowing Power in Nebraska
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). "Nebraska Reverse Mortgage (HECM) Market Intelligence Report." Systemores Institutional Reverse Mortgage Intelligence. Retrieved from https://reverse.systemores.com/trends/nebraska
Provenance: HUD FHA Single-Family Datasets & Nebraska Housing Division