Reverse mortgage in Idaho
Who lends in Idaho, where the loans are and who counsels there, all from HUD's own records of loans.
- In one year, 394 HECMs closed in Idaho
- Median home value HUD counted: $443,500
- Most HECMs in Idaho came from Finance of America Reverse (91)
HUD's HECM data records 394 closed reverse mortgages in Idaho between September 2025 and August 2026, 1.6% of all 24,529 loans nationwide, and a 21st-place ranking among 50 states and DC.
Among those loans, 59 were used to buy a home through a HECM for Purchase, 25 of them refinanced an older HECM. Another 14 hit the $1,249,125 value cap.
Idaho HECMs compared with the national figures
The final two rows come from the calculator.
| Idaho | Against all HECMs | |
|---|---|---|
| HECMs closed | 394 | 1.6% of all 24,529 |
| Median home value counted | $443,500 | $3,500 more |
| Median principal limit | $194,841 | $669 more |
| Principal limit as a share of value | 42.7% | 0.7 points lower |
| Median expected rate | 5.81% | 0.065 points lower |
| HECM for Purchase | 15% | 9.5 points higher |
| Refinanced HECMs | 6.3% | 4.5 points lower |
| Lenders with a loan here | 19 | of 34 nationwide |
| Left over after costs, age 70, median home, no mortgage | $152,821 | $1,281 more |
| Usable in the first year at age 70 | $84,345 | $741 more |
Idaho HECM lenders ranked by loans
In Idaho, 19 lenders sponsored HECMs. Finance of America Reverse, Mutual of Omaha Mortgage and Longbridge Financial led the list, making 260 of the 394 loans (66%). See how the national ranking compares.
| Rank | Lender | HECMs | Share |
|---|---|---|---|
| 1 | Finance of America Reverse | 91 | 23.1% |
| 2 |  | 88 | 22.3% |
| 3 | Longbridge Financial | 81 | 20.6% |
| 4 | Guild Mortgage | 32 | 8.1% |
| 5 | Traditional Mortgage Acceptance Corporation | 27 | 6.9% |
| 6 |  | 21 | 5.3% |
| 7 | PHH Mortgage | 11 | 2.8% |
| 8 |  | 9 | 2.3% |
| 9 | High Tech Lending | 7 | 1.8% |
| 10 | Plaza Home Mortgage | 6 | 1.5% |
Local lenders and brokers that made HECMs in Idaho
68 companies received Idaho HECM applications. The most active companies included Premier Mortgage Resources (28), Atlantic Avenue Mortgage (19), First Federal Savings Bank Twin Falls (17), American Pacific Mortgage (16), C2 Financial (15), Loandepot.com (8), New American Funding (7) and Fulcrum Home Loans (6), all beyond the national names above. 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 HECMs in Idaho were made
Ada County led the count, holding 112 of the 394 loans, and Canyon had 70. Cities with the highest counts were Boise (47), Nampa (39), Meridian (37), Caldwell (25) and Pocatello (13). 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 |
|---|---|---|
| Ada | 112 | 28.4% |
| Canyon | 70 | 17.8% |
| Kootenai | 44 | 11.2% |
| Twin Falls | 19 | 4.8% |
| Bonneville | 18 | 4.6% |
| Bannock | 14 | 3.6% |
HUD-approved reverse mortgage counselors located in Idaho
According to HUD, 4 reverse mortgage counseling agencies are based in Idaho, across 2 cities. Their phone numbers are in HUD's counselor search.
| City | Agency | How they counsel | Languages |
|---|---|---|---|
| Boise, ID | Idaho Housing and Finance Association | phone, in person, video, online, group | English, Spanish |
| Boise, ID | Money Fit | phone, in person, video, online | English, Spanish |
| Boise, ID | Idaho Housing and Finance Association | phone, in person, video, online, group | English, French, Spanish |
| Pocatello, ID | Neighborworks Pocatello | phone, in person, video, online, group | English |
Property tax relief for older Idaho homeowners
If you are 65 or older and live in an Idaho home you own, the Property Tax Reduction program may cut your property tax bill by $250 to $1,500, provided your 2026 income, after medical expenses, was $40,030 or less. Property Tax Reduction | Idaho State Tax Commission
Who oversees reverse mortgage lenders in Idaho
Mortgage lenders and brokers in Idaho are licensed and regulated by the Idaho Department of Finance. Mortgage | Department of Finance.
The source is the HUD HECM portfolio snapshot, covering September 2025 to August 2026. Every state.