Reverse mortgage in Nebraska
HUD's loan records show who lends in Nebraska, where the loans are and who counsels there.
- In one year, 98 HECMs closed in Nebraska
- HUD counted a $279,000 Median home value
- Mutual of Omaha Mortgage Most HECMs in Nebraska (32), the largest share of the state total
HUD's HECM data shows 98 reverse mortgages closed in Nebraska between September 2025 and August 2026, 0.4% of the 24,529 closed nationwide, 41st among the 50 states and DC.
Among them, 1 was a HECM for Purchase loan used to buy a home, while 6 refinanced an older HECM.
Nebraska HECMs compared with the national figures
The final two rows come from the calculator.
| Nebraska | Against all HECMs | |
|---|---|---|
| HECMs closed | 98 | 0.4% of all 24,529 |
| Median home value counted | $279,000 | $161,000 less |
| Median principal limit | $120,857 | $73,315 less |
| Principal limit as a share of value | 42.1% | 1.3 points lower |
| Median expected rate | 5.875% | the same |
| HECM for Purchase | 1% | 4.5 points lower |
| Refinanced HECMs | 6.1% | 4.7 points lower |
| Lenders with a loan here | 8 | of 34 nationwide |
| Amount left after costs, at age 70, for a median home with no mortgage | $93,824 | $57,716 less |
| Usable in the first year at age 70 | $50,746 | $32,858 less |
HECM lenders in Nebraska ranked by loan count
In Nebraska, 8 lenders sponsored HECMs. Three lenders led the list: Mutual of Omaha Mortgage, followed by Finance of America Reverse and Longbridge Financial. Together they made 78 of the 98 loans (80%). See the national ranking for a comparison.
| Rank | Lender | HECMs | Share |
|---|---|---|---|
| 1 |  | 32 | 32.7% |
| 2 | Finance of America Reverse | 29 | 29.6% |
| 3 | Longbridge Financial | 17 | 17.3% |
| 4 |  | 10 | 10.2% |
| 5 | Guild Mortgage | 6 | 6.1% |
| 6 | South River Mortgage | 2 | 2% |
| 7 |  | 1 | 1% |
| 8 | VIP Mortgage | 1 | 1% |
Local lenders and brokers who originated HECMs in Nebraska
15 companies received Nebraska HECM applications. Setting aside the national lenders, the companies that originated the most were Atlantic Avenue Mortgage (6), Loandepot.com (2), Charter West Bank (2), Ark-La-Tex Financial Services (2), West Capital Lending (1), Magnolia Bank (1), Liberty 1 Lending (1) and Everett Financial (1). 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 Nebraska HECMs came from
Douglas County posted the highest count at 28 of the 98 loans; Lancaster had 14. Cities with the highest counts: Omaha (29), Lincoln (13), Grand Island (4), Columbus (3) and North Platte (2). 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 |
|---|---|---|
| Douglas | 28 | 28.6% |
| Lancaster | 14 | 14.3% |
| Sarpy | 10 | 10.2% |
| Scotts Bluff | 5 | 5.1% |
| Hall | 5 | 5.1% |
| Washington | 4 | 4.1% |
Nebraska's HUD-approved reverse mortgage counselors
HUD's counselor list names no agency that is based in Nebraska. You still need the session before you apply. HUD's counselor search lists agencies offering counseling by phone or video.
Relief on property taxes for older homeowners in Nebraska
In Nebraska, a homestead property tax exemption may be available to homeowners age 65 or older, subject to limits on income and homestead value: Nebraska Homestead Exemption Information Guide.
Who oversees reverse mortgage lenders in Nebraska
To work in Nebraska, mortgage lenders and brokers need a license or registration with the Nebraska Department of Banking & Finance. Mortgage Lending License | Nebraska Banking and Finance.
Data comes from the HUD HECM portfolio snapshot, covering September 2025 through August 2026. Every state.