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Kentucky Reverse Mortgage Lenders

 

Map of the United States highlighting Kentucky

Reverse Mortgage Product Options in Kentucky

 

HomeForLife HECM
Traditional Reverse Mortgage
(Reverse Mortgage 101)		 Not Available Yes
Refinance Existing Reverse Mortgage with Another
(HECM to HECM)		 Not Available Yes
Purchase a Home with a Reverse Mortgage
(HECM for Purchase)		 Not Available Yes
Minimum Age for Eligibility in KY Not Available 62
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Reverse Mortgage Interest Rates in Kentucky

The 10-year CMT index average used here is 5.13%. Reverse mortgage interest rates adjust weekly on Tuesdays, so the next adjustment date will be Tuesday, November 3, 2026.

The projected index for next week is 5.00%, compared to this week’s index, which is 5.13%. This means that rates are projected to be between 6.75% and 7.50%.

Click to learn more about Reverse Mortgage Interest Rates (& how they affect you) →

Index data source: U.S. Treasury Daily Par Yield Curve Rates, 10-year. Latest observation October 26, 2026. Projected rates are estimates, not a personalized quote.

Local Reverse Mortgage Lenders in Kentucky

Although South River Mortgage originates loans all across the country, we do maintain a local presence in Kentucky. We have a resident agent location at 828 Lane Allen Road, Suite 219, Lexington, KY 40504. Get Your Quote →

HUD also maintains a list of local lenders. Get Your Quote →

Reverse Mortgage Loan Origination Statistics in Kentucky

We have pulled together a number of useful reverse mortgage loan statistics for KY. These loan origination statistics are put together below as a courtesy, and as such, we cannot make any guarantees about the accuracy of the information.

Note that this data was sourced from a proprietary data set, so it includes loans outside of the FHA HECM loans listed on the HECM Portfolio Snapshot.

Reverse Mortgages in Kentucky

Bar chart: Reverse mortgage loan origination over time in Kentucky
Download the dataset (anonymized) as a CSV file.

Average Reverse Mortgage Home Values in Kentucky

Bar chart: Average reverse mortgage home values over time in Kentucky

Download the dataset (anonymized) as a CSV file

Reverse Mortgage Interest Rates in Kentucky

Bar chart: Average reverse mortgage interest rates over time in Kentucky
Download the dataset (anonymized) as a CSV file

State Regulator & Licensing in Kentucky

Make sure you are working with a licensed mortgage lender in Kentucky. South River Mortgage maintains approval with Kentucky and holds the Mortgage Company License #MC 930583.

County-Specific Loan Information in Kentucky

Kentucky has 120, and each county has its own specifics. We have compiled county-by-county loan statistics and information, whether you are looking for a reverse mortgage or just curious about loan origination activity. Kindly note that this information is provided on a best-efforts basis – and while we do as much quality control work as possible – we make no guarantees to the accuracy of loan statistical information provided

Choose any county to learn more about reverse mortgages in that area:

START HERE: Get cash out with a reverse mortgage Check Eligibility ›