Open HECM county data and embeddable reverse mortgage widgets
Published:
We publish the county-level data behind our Florida and Colorado reverse mortgage pages as an open dataset, plus a drop-in widget you can embed on your own site. Everything is sourced from the US Census Bureau and FHFA, refreshed on a schedule, and free to republish with attribution.
Get your Reverse Mortgage Estimate Summary.
Complete the short estimate form and we send back a full HECM summary: your estimated principal limit, complimentary home value estimate, payoff of any existing mortgage, and estimated proceeds available to you.
- Complimentary home value estimate
- Estimated principal limit for your age
- Existing mortgage payoff included
- Lump sum, line of credit, or monthly options
Illustration only, generated from the information you enter. Not a loan estimate, pre-qualification, commitment to lend, or approval. Subject to HUD counseling, appraisal, credit and income review, and final lender approval. You remain responsible for property taxes, insurance, and home maintenance.
Estimate summary
- Home value estimate
- $412,000
- Youngest borrower age
- 72
- Estimated principal limit
- $219,400
- Existing mortgage payoff
- $68,000
- Estimated proceeds available
- $151,400
Simply Approved Mortgages • NMLS #2620881 • Equal Housing Opportunity
Download the dataset
One row per county, refreshed automatically: Census demographics monthly and FHFA house-price values quarterly. Every row carries its vintage year and source URL.
Source: HUD — HECM Program
Embed the county snapshot widget
Pick a county, copy the snippet, and paste it anywhere HTML is allowed. The widget shows median home value, the share of residents 65 and older, homeownership, and the local house-price trend against HUD's $1,249,125 HECM lending limit for 2026.
How to credit this data
Attribution keeps the dataset free to publish. Use a line like: “County reverse mortgage data compiled by Simply Approved Mortgages from US Census Bureau ACS and FHFA House Price Index data,” linking to this page. Please cite the Census and FHFA source URLs included in every row when you republish specific figures.
Your numbers plus the 2026 Reverse Mortgage Guide.
Request your estimate and we include the 21-page plain-English guide: who qualifies at 62+, what a HECM costs, payout options, ongoing obligations, and the questions to ask before you sign.
- 21-page guide, no jargon
- HUD/FHA program rules explained
- Costs and fees broken down
- Questions to ask any loan officer
Illustration only, generated from the information you enter. Not a loan estimate, pre-qualification, commitment to lend, or approval. Subject to HUD counseling, appraisal, credit and income review, and final lender approval. You remain responsible for property taxes, insurance, and home maintenance.
Estimate summary
- Home value estimate
- $412,000
- Youngest borrower age
- 72
- Estimated principal limit
- $219,400
- Existing mortgage payoff
- $68,000
- Estimated proceeds available
- $151,400
Simply Approved Mortgages • NMLS #2620881 • Equal Housing Opportunity
Data and embed questions
- Is the HECM county dataset free to use?
- Yes. The county dataset and the embeddable widget are free for editorial, academic, and commercial use as long as you credit Simply Approved Mortgages and link to https://www.simplyapprovedreversemortgages.com/hecm-data. The underlying figures come from public US Census Bureau and FHFA data.
- Where does the data come from?
- Demographic figures come from the US Census Bureau American Community Survey 5-year estimates. Home-price trend figures come from the FHFA All-Transactions House Price Index, retrieved through the Federal Reserve Bank of St. Louis FRED API. Where FHFA does not publish a separate county index, the statewide index is used and labeled as statewide.
- How often is the data refreshed?
- Census demographics refresh monthly against the latest published ACS vintage, and FHFA House Price Index values refresh quarterly. Every record carries the vintage year and a source URL so you can verify it.
- What formats are available?
- JSON and CSV. Both cover all published Florida and Colorado counties, and both accept an optional state filter so you can pull just one state.
- Can I embed the county widget on my own site?
- Yes. Copy the iframe snippet on this page and change the state and county parameters. The widget is responsive, loads no tracking cookies, and includes its own data sources and licensing disclosure.
- Does the widget give a loan quote?
- No. The widget shows public demographic and home-price context alongside HUD's current HECM lending limit. It is educational only and is not an offer of credit, a rate quote, or an approval. Every borrower on title must be 62 or older to qualify for a HECM.
- What counties are included in the dataset?
- Every Florida and Colorado county that has a corresponding local page on this site, since Simply Approved Mortgages is only licensed to arrange residential mortgage loans in those two states. We do not publish data for counties outside our licensed footprint.
- Why does a county sometimes show a statewide house-price figure instead of its own?
- FHFA does not publish a separate House Price Index for every county — some rural or lower-population counties are only covered at the state level. When that happens, we substitute the statewide FHFA figure and label it clearly as statewide rather than county-specific.
- Can I use this data to calculate someone's exact reverse mortgage eligibility?
- No. The dataset is demographic and market context — senior population share, homeownership rate, median home value, income, and price trends. It does not calculate individual HECM Principal Limits; use our calculator for an age- and home-specific estimate.
- Is this the same data HUD or FHA publishes?
- No. HUD and FHA publish their own program statistics separately (see our HECM program statistics page). This dataset compiles publicly available Census Bureau and FHFA figures for local market context; we are not affiliated with HUD, FHA, the Census Bureau, or FHFA.
- Who maintains and updates this dataset?
- Simply Approved Mortgages compiles and republishes it from the public Census Bureau ACS and FHFA HPI feeds on the refresh schedule described above. If you spot an error or a stale figure, contact us and we will investigate against the original government source.
Explore the underlying pages
Keep reading: the next steps most people take
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Documents required for a reverse mortgage
When you apply for a HECM reverse mortgage, your lender will request documents that verify your identity, property ownership, income, and assets. Gathering these in advance can speed up your estimate and application.
- Government-issued photo ID
Current driver’s license, passport, or state-issued ID.
- Social Security number verification
Social Security card or award letter showing your SSN.
- Current mortgage statement
Most recent statement if refinancing; purchase agreement if buying.
- Homeowner’s insurance declarations page
Shows current coverage, premium, and mortgagee clause.
- Property tax statement or receipt
Latest county tax bill showing taxes are current or payment history.
- Bank statements
Last 1-2 months to verify closing funds and residual reserves.
- Investment or retirement accounts
Recent statements for IRA, 401(k), brokerage, or other liquid assets.
- HOA or condo information
Homeowners association statement or condo questionnaire if applicable.
- Trust or title vesting documents
Required when the home is held in a living trust or entity.
- Flood insurance declaration
Current policy if the property is in a flood zone.
- HUD-approved counseling certificate
Required before loan application. Obtained from a HUD-approved reverse mortgage counselor.
Why we pull credit for your reverse mortgage pre-approval
HUD requires a Financial Assessment for every HECM reverse mortgage, including a review of your credit history and record of paying property taxes and homeowners insurance. As part of our standard broker/lender pre-approval process, we typically order a tri-merge credit report through a HUD-approved credit vendor to verify identity, review obligations, and confirm that you can continue paying property taxes, homeowners insurance, and maintenance after closing. Whether a tri-merge is required, and any fees, are set by the wholesale lender and credit vendor — not by HUD as a stand-alone rule.
Pay for your credit report — SmartPay
Simply Approved Mortgages uses SmartPay to securely collect the credit report fee for your reverse mortgage pre-approval. Payment goes directly to the credit vendor — not to us — and unlocks a tri-merge credit report (Equifax, Experian, TransUnion) that your loan officer uses to complete the broker/lender pre-approval file for HUD's Financial Assessment.
- Secure, PCI-compliant checkout hosted by SmartPay
- Standard step in our broker/lender pre-approval process (not a HUD stand-alone requirement)
- Optional — you can decline; your loan officer will explain any impact on your options
You'll be redirected to cic.cra.xedalink.net (SmartPay).
Check your credit first — $1 trial at MyITINCredit
Before you apply, it's smart to know exactly where your credit stands. MyITINCredit offers a $1 trial for 15 days that includes all three credit reports and scores (Equifax, Experian, TransUnion), plus ongoing credit monitoring so you can catch errors, dispute inaccuracies, and watch for identity theft.
- See all 3 bureau reports & scores before your lender does
- Ongoing monitoring alerts you to new accounts or score changes
- Fix errors early — cleaner credit can widen your reverse mortgage options
You'll be redirected to myitincredit.com. Third-party service — terms apply.
Credit report fees are paid directly to the credit vendor. Simply Approved Mortgages (NMLS #2620881) does not receive compensation from these credit services. MyITINCredit is an independent third-party service; pricing, terms, and features are set by that provider.
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How preferred sources work in Google Search →Simply Approved Mortgages is not affiliated with, endorsed by or approved by Google, and selecting a preferred source does not change search rankings for anyone else.
Ready to See Your Reverse Mortgage Numbers?
Get your personalized HECM estimate from a Simply Approved Mortgages licensed loan officer, or run the numbers yourself with our calculator — free and with no obligation.