#14
Ohio Reverse Mortgage Market Report
Statewide HECM Portfolio • Regulatory Framework: Standard HUD/FHA
42 Active FHA Lenders
Ohio Executive Market BLUF
Institutional VerifiedAugust 2026 (HUD FHA Single-Family Release)
Ohio represents an affordable Midwestern market where reverse mortgages provide substantial monthly tenure enhancements relative to low overall cost of living.
Strategic Key Takeaways
- •Statewide senior home equity: $460.0 Billion.
- •Average Maximum Claim Amount (MCA): $298,000.
- •Annual endorsement momentum: +5.6% YoY.
- •Regulatory category: Standard HUD/FHA.
Total Senior Equity Pool
$460BEquity Pool
2,510,000 seniors age 62+
Total HECM Volume
$0.28B+5.6%
Rank #14 Nationwide
Endorsements YTD
940Annual Pace
Prior Year: 890
Average MCA
$298,000FHA Insured
Median Home: $225,000
Ohio HECM Endorsement History
Annual volume trajectory vs average claim amount
Endorsements
Avg MCA
1,540 loans
2022
940 loans
2024 YTD
Latest Endorsements940
Average Claim (MCA)$298,000
Line of Credit Share87.3%
Avg Borrower Age74.7 yrs
Top HECM Origination Counties in Ohio
88 Total Counties TrackedOhio County-Level HECM & Senior Equity Directory (88 Jurisdictions)
Complete county-by-county reverse mortgage endorsements, average Maximum Claim Amounts, and senior housing wealth in Ohio.
| County | FIPS | Endorsements YTD | Avg MCA | Senior Equity | YoY Velocity |
|---|---|---|---|---|---|
| Summit County | 39153 | 337 | $197,100 | $7.4B | +6.5% |
| Montgomery County | 39113 | 327 | $166,644 | $6.1B | +6.5% |
| Stark County | 39151 | 249 | $178,092 | $4.9B | +6.5% |
| Lucas County | 39095 | 241 | $155,736 | $4.2B | +6.5% |
| Butler County | 39017 | 200 | $242,244 | $5.4B | +6.5% |
| Lorain County | 39093 | 199 | $207,252 | $4.6B | +6.5% |
| Cuyahoga County | 39035 | 190 | $182,196 | $16.0B | +6.5% |
| Mahoning County | 39099 | 165 | $142,560 | $2.6B | +6.5% |
| Lake County | 39085 | 161 | $204,768 | $3.7B | +6.5% |
| Franklin County | 39049 | 160 | $262,548 | $16.1B | +6.5% |
| Trumbull County | 39155 | 148 | $131,112 | $2.2B | +6.5% |
| Hamilton County | 39061 | 130 | $221,400 | $10.9B | +6.5% |
| Warren County | 39165 | 122 | $314,172 | $4.3B | +6.5% |
| Clermont County | 39025 | 121 | $242,784 | $3.3B | +6.5% |
| Medina County | 39103 | 114 | $269,676 | $3.4B | +6.5% |
| Delaware County | 39041 | 104 | $424,440 | $4.9B | +6.5% |
| Licking County | 39089 | 101 | $250,776 | $2.8B | +6.5% |
| Greene County | 39057 | 100 | $240,084 | $2.7B | +6.5% |
| Portage County | 39133 | 93 | $212,868 | $2.2B | +6.5% |
| Clark County | 39023 | 90 | $156,492 | $1.6B | +6.5% |
| Fairfield County | 39045 | 86 | $267,624 | $2.6B | +6.5% |
| Richland County | 39139 | 82 | $151,740 | $1.4B | +6.5% |
| Wayne County | 39169 | 71 | $204,984 | $1.6B | +6.5% |
| Columbiana County | 39029 | 71 | $134,352 | $1.1B | +6.5% |
| Wood County | 39173 | 70 | $219,564 | $1.7B | +6.5% |
| Miami County | 39109 | 69 | $206,172 | $1.6B | +6.5% |
| Geauga County | 39055 | 68 | $311,040 | $2.4B | +6.5% |
| Ashtabula County | 39007 | 64 | $150,120 | $1.1B | +6.5% |
| Allen County | 39003 | 63 | $158,760 | $1.1B | +6.5% |
| Tuscarawas County | 39157 | 61 | $176,796 | $1.2B | +6.5% |
| Erie County | 39043 | 56 | $182,952 | $1.2B | +6.5% |
| Muskingum County | 39119 | 51 | $168,588 | $1.0B | +6.5% |
| Jefferson County | 39081 | 48 | $124,308 | $0.7B | +6.5% |
| Belmont County | 39013 | 47 | $140,616 | $0.7B | +6.5% |
| Hancock County | 39063 | 45 | $193,968 | $1.0B | +6.5% |
| Scioto County | 39145 | 45 | $132,732 | $0.7B | +6.5% |
| Ross County | 39141 | 44 | $165,780 | $0.8B | +6.5% |
| Washington County | 39167 | 42 | $177,120 | $0.8B | +6.5% |
| Knox County | 39083 | 39 | $213,192 | $0.9B | +6.5% |
| Marion County | 39101 | 39 | $146,772 | $0.7B | +6.5% |
| Sandusky County | 39143 | 38 | $153,684 | $0.7B | +6.5% |
| Lawrence County | 39087 | 36 | $138,132 | $0.6B | +6.5% |
| Ottawa County | 39123 | 35 | $193,428 | $0.8B | +6.5% |
| Huron County | 39077 | 35 | $163,728 | $0.6B | +6.5% |
| Ashland County | 39005 | 34 | $176,688 | $0.7B | +6.5% |
| Darke County | 39037 | 34 | $170,424 | $0.7B | +6.5% |
| Seneca County | 39147 | 33 | $138,348 | $0.5B | +6.5% |
| Pickaway County | 39129 | 31 | $237,492 | $0.8B | +6.5% |
| Auglaize County | 39011 | 29 | $181,656 | $0.6B | +6.5% |
| Athens County | 39009 | 29 | $174,636 | $0.6B | +6.5% |
| Logan County | 39091 | 28 | $181,764 | $0.6B | +6.5% |
| Crawford County | 39033 | 28 | $126,360 | $0.4B | +6.5% |
| Union County | 39159 | 27 | $305,532 | $0.9B | +6.5% |
| Shelby County | 39149 | 27 | $188,136 | $0.6B | +6.5% |
| Brown County | 39015 | 27 | $177,660 | $0.5B | +6.5% |
| Mercer County | 39107 | 26 | $208,224 | $0.6B | +6.5% |
| Fulton County | 39051 | 26 | $176,148 | $0.5B | +6.5% |
| Preble County | 39135 | 26 | $171,396 | $0.5B | +6.5% |
| Highland County | 39071 | 26 | $158,004 | $0.5B | +6.5% |
| Clinton County | 39027 | 25 | $186,624 | $0.5B | +6.5% |
| Guernsey County | 39059 | 25 | $157,464 | $0.5B | +6.5% |
| Champaign County | 39021 | 24 | $180,252 | $0.5B | +6.5% |
| Defiance County | 39039 | 24 | $159,408 | $0.4B | +6.5% |
| Coshocton County | 39031 | 24 | $138,888 | $0.4B | +6.5% |
| Madison County | 39097 | 23 | $217,296 | $0.6B | +6.5% |
| Williams County | 39171 | 23 | $141,588 | $0.4B | +6.5% |
| Morrow County | 39117 | 21 | $200,664 | $0.5B | +6.5% |
| Holmes County | 39075 | 20 | $265,464 | $0.6B | +6.5% |
| Putnam County | 39137 | 20 | $190,296 | $0.4B | +6.5% |
| Perry County | 39127 | 20 | $174,204 | $0.4B | +6.5% |
| Carroll County | 39019 | 19 | $170,100 | $0.4B | +6.5% |
| Jackson County | 39079 | 19 | $137,700 | $0.3B | +6.5% |
| Hocking County | 39073 | 18 | $177,228 | $0.4B | +6.5% |
| Gallia County | 39053 | 18 | $144,720 | $0.3B | +6.5% |
| Van Wert County | 39161 | 18 | $139,644 | $0.3B | +6.5% |
| Henry County | 39069 | 17 | $170,100 | $0.3B | +6.5% |
| Fayette County | 39047 | 17 | $163,512 | $0.3B | +6.5% |
| Adams County | 39001 | 16 | $149,796 | $0.3B | +6.5% |
| Pike County | 39131 | 16 | $141,804 | $0.3B | +6.5% |
| Hardin County | 39065 | 16 | $135,648 | $0.3B | +6.5% |
| Meigs County | 39105 | 15 | $112,752 | $0.2B | +6.5% |
| Wyandot County | 39175 | 14 | $166,536 | $0.3B | +6.5% |
| Noble County | 39121 | 13 | $148,500 | $0.2B | +6.5% |
| Paulding County | 39125 | 12 | $131,976 | $0.2B | +6.5% |
| Monroe County | 39111 | 10 | $132,624 | $0.1B | +6.5% |
| Morgan County | 39115 | 10 | $130,896 | $0.1B | +6.5% |
| Harrison County | 39067 | 10 | $121,500 | $0.1B | +6.5% |
| Vinton County | 39163 | 7 | $133,272 | $0.1B | +6.5% |
Calculate Borrowing Power in Ohio
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). "Ohio Reverse Mortgage (HECM) Market Intelligence Report." Systemores Institutional Reverse Mortgage Intelligence. Retrieved from https://reverse.systemores.com/trends/ohio
Provenance: HUD FHA Single-Family Datasets & Ohio Housing Division