Reverse mortgage in Arkansas
In Arkansas, HUD's own loan records show which lenders provide loans, where those loans are and who counsels.
- Arkansas saw the closing of 144 HECMs during a year
- Median home value HUD counted: $270,500
- Arkansas leader: Mutual of Omaha Mortgage Most HECMs in Arkansas (43)
According to HUD's HECM records, Arkansas had 144 reverse mortgages closed from September 2025 through August 2026, 0.6% of the 24,529 loans nationwide. That places it 36th most of the 50 states and DC.
Among those loans, 2 were used to buy a home with a HECM for Purchase, while 17 refinanced an older HECM.
How Arkansas HECMs compare with the national numbers
Those final two rows come from the calculator.
| Arkansas | Against all HECMs | |
|---|---|---|
| HECMs closed | 144 | 0.6% of all 24,529 |
| Median home value counted | $270,500 | $169,500 less |
| Median principal limit | $122,255 | $71,917 less |
| Principal limit as a share of value | 43.6% | 0.2 points higher |
| Median expected rate | 5.75% | 0.125 points lower |
| HECM for Purchase | 1.4% | 4.1 points lower |
| Refinanced HECMs | 11.8% | 0.9 points higher |
| Lenders with a loan here | 12 | of 34 nationwide |
| Amount left after costs at age 70, for a median home with no mortgage on it | $90,798 | $60,742 less |
| Usable in the first year at age 70 | $49,033 | $34,571 less |
Arkansas HECM lenders ranked by loan count
HECMs in Arkansas were sponsored by 12 lenders. The top three lenders made 98 of the 144 loans (68%): Mutual of Omaha Mortgage, Longbridge Financial, Finance of America Reverse. Compare that with the national ranking.
| Rank | Lender | HECMs | Share |
|---|---|---|---|
| 1 |  | 43 | 29.9% |
| 2 | Longbridge Financial | 32 | 22.2% |
| 3 | Finance of America Reverse | 23 | 16% |
| 4 | Traditional Mortgage Acceptance Corporation | 13 | 9% |
| 5 |  | 10 | 6.9% |
| 6 | South River Mortgage | 8 | 5.6% |
| 7 |  | 5 | 3.5% |
| 8 | Plaza Home Mortgage | 4 | 2.8% |
| 9 |  | 2 | 1.4% |
| 10 |  | 2 | 1.4% |
Arkansas HECMs originated by local lenders and brokers
28 companies received Arkansas HECM applications. Outside the national names above, the firms that originated the most were Atlantic Avenue Mortgage (11), Nosari Home Mortgage (5), West Capital Lending (4), Stockton Mortgage (4), Movement Mortgage (4), Carrington Mortgage Services (4), Citywide Professional Lending (3) and Caliver Beach Mortgage (2). These counts are of the company that originated each loan, while the ranking above counts the lender that sponsored it, so the two lists are not comparable.
Where Arkansas HECMs came from
Washington had 22 of the 144 loans, but Benton County led with 28. Among the top cities, Springdale had 15 loans and Mountain Home had 7. Hot Springs Villa recorded 7, Little Rock 7 and Bella Vista 6. City names are the mailing city on each HUD record and can reach into nearby counties, so a city's count need not match the county table.
| County | HECMs | Share |
|---|---|---|
| Benton | 28 | 19.4% |
| Washington | 22 | 15.3% |
| Pulaski | 16 | 11.1% |
| Baxter | 9 | 6.2% |
| Garland | 9 | 6.2% |
| Saline | 9 | 6.2% |
Arkansas HUD-approved reverse mortgage counselors
HUD's list shows 2 reverse mortgage counseling agencies with bases in Arkansas, spread across 2 cities. You can find their phone numbers in HUD's counselor search.
| City | Agency | How they counsel | Languages |
|---|---|---|---|
| Bentonville, AR | Credit Counseling of Arkansas - Bentonville | phone, in person | English, Spanish |
| Fayetteville, AR | Credit Counseling of Arkansas | phone, in person | English, Spanish |
Property tax relief for older Arkansas homeowners
Arkansas homeowners aged 65 or older who meet the homestead tax credit rules can ask the county assessor to freeze the taxable assessed value of their home. The bill for your property tax may still change. Details: Property Tax Relief, Arkansas Department of Finance and Administration.
Who oversees reverse mortgage lenders in Arkansas
In Arkansas, the Arkansas Securities Department licenses mortgage lenders, brokers and other people and businesses active in mortgage loan activity. Mortgage Loans - Arkansas Securities Department
Every state. Source: HUD HECM portfolio snapshot covering September 2025 to August 2026.