Oregon Reverse Mortgage Market Report
Statewide HECM Portfolio • Regulatory Framework: Standard HUD/FHA
Oregon Executive Market BLUF
Oregon senior homeowners in the Willamette Valley and Central Oregon show high preference for standby credit lines as hedge instruments against potential medical expenses.
Strategic Key Takeaways
- •Statewide senior home equity: $390.0 Billion.
- •Average Maximum Claim Amount (MCA): $595,000.
- •Annual endorsement momentum: +12.7% YoY.
- •Regulatory category: Standard HUD/FHA.
960,000 seniors age 62+
Rank #16 Nationwide
Prior Year: 790
Median Home: $510,000
Oregon HECM Endorsement History
Annual volume trajectory vs average claim amount
Top HECM Origination Counties in Oregon
36 Total Counties TrackedOregon County-Level HECM & Senior Equity Directory (36 Jurisdictions)
Complete county-by-county reverse mortgage endorsements, average Maximum Claim Amounts, and senior housing wealth in Oregon.
| County | FIPS | Endorsements YTD | Avg MCA | Senior Equity | YoY Velocity |
|---|---|---|---|---|---|
| Lane County | 41039 | 257 | $392,904 | $11.3B | +6.5% |
| Multnomah County | 41051 | 230 | $531,468 | $22.7B | +6.5% |
| Washington County | 41067 | 190 | $544,644 | $17.1B | +6.5% |
| Marion County | 41047 | 187 | $380,700 | $7.9B | +6.5% |
| Jackson County | 41029 | 168 | $399,060 | $7.5B | +6.5% |
| Clackamas County | 41005 | 160 | $574,776 | $17.1B | +6.5% |
| Deschutes County | 41017 | 137 | $568,296 | $8.7B | +6.5% |
| Douglas County | 41019 | 97 | $283,392 | $3.1B | +6.5% |
| Linn County | 41043 | 82 | $345,384 | $3.1B | +6.5% |
| Josephine County | 41033 | 78 | $382,104 | $3.3B | +6.5% |
| Yamhill County | 41071 | 65 | $441,180 | $3.2B | +6.5% |
| Coos County | 41011 | 58 | $298,404 | $1.9B | +6.5% |
| Benton County | 41003 | 54 | $477,684 | $2.9B | +6.5% |
| Polk County | 41053 | 54 | $412,776 | $2.5B | +6.5% |
| Lincoln County | 41041 | 51 | $372,924 | $2.1B | +6.5% |
| Klamath County | 41035 | 50 | $252,936 | $1.4B | +6.5% |
| Umatilla County | 41059 | 43 | $255,744 | $1.2B | +6.5% |
| Columbia County | 41009 | 34 | $394,308 | $1.5B | +6.5% |
| Clatsop County | 41007 | 32 | $440,316 | $1.6B | +6.5% |
| Curry County | 41015 | 27 | $381,456 | $1.1B | +6.5% |
| Tillamook County | 41057 | 24 | $392,148 | $1.1B | +6.5% |
| Crook County | 41013 | 20 | $397,656 | $0.9B | +6.5% |
| Wasco County | 41065 | 18 | $322,056 | $0.7B | +6.5% |
| Union County | 41061 | 18 | $262,872 | $0.5B | +6.5% |
| Malheur County | 41045 | 17 | $202,500 | $0.4B | +6.5% |
| Jefferson County | 41031 | 16 | $331,776 | $0.6B | +6.5% |
| Baker County | 41001 | 15 | $249,588 | $0.4B | +6.5% |
| Hood River County | 41027 | 13 | $531,900 | $0.8B | +6.5% |
| Wallowa County | 41063 | 7 | $363,852 | $0.3B | +6.5% |
| Grant County | 41023 | 7 | $200,340 | $0.2B | +6.5% |
| Morrow County | 41049 | 6 | $231,012 | $0.2B | +6.5% |
| Harney County | 41025 | 6 | $188,028 | $0.1B | +6.5% |
| Lake County | 41037 | 6 | $182,520 | $0.1B | +6.5% |
| Wheeler County | 41069 | 4 | $210,492 | $0.0B | +6.5% |
| Sherman County | 41055 | 4 | $201,204 | $0.0B | +6.5% |
| Gilliam County | 41021 | 4 | $163,620 | $0.0B | +6.5% |
Calculate Borrowing Power in Oregon
Institutional FHA HECM Principal Limit Calculator
HUD Mortgagee Letter 2017-17 Actuarial Matrix • Active FHA MCA Cap: $1,149,825
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.
Available immediately as an unused, guaranteed growing Line of Credit, or distributed as monthly tenure payments for life.
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 |