Graph and download economic data for Real Residential Property Prices for Canada (QCAR628BIS) from Q1 1970 to Q2 2025 about Canada, residential, HPI, housing, real, price index, indexes, and price.

Housing markets in the United States and Canada are similar in many respects, but each has fared quite differently since the onset of the financial crisis. A comparison of the two markets suggests that relaxed lending standards likely played a critical role in the U.S. housing bust.

Discover the booming Canadian home lending market! Explore key trends, growth projections (CAGR > 5%), leading lenders (HSBC, Tangerine, BMO), and market segmentation insights for 2025-2033. Analyze the impact of interest rates, regulations, and economic factors on this dynamic sector. Recent developments include: On March 15, 2022, First Ontario Credit Union announced its merger with Heritage savings & Credit union to offer the best in financial products and services., On February 09, 2022, Hello safe announced a new partnership with Hard bacon, a personal finance application used by more than 35,000 Canadians, this partnership is to leverage Hard bacon's portfolio of comparison tools.. Notable trends are: A Rise in Home Prices Boosting Home Equity Lending Market.

The data and programs replicate tables and figures from "Housing market dynamics and macroprudential policies", by Bruneau, Christensen and Meh. Please see the ReadMe file for additional details. (2018-07-31)

Replication data and code for peer-reviewed article published in Canadian Journal of Economics. Paper published online July 31, 2018.

The North American mortgage/loan broker market, encompassing the United States and Canada, exhibits robust growth potential. Driven by factors such as increasing homeownership aspirations, fluctuating interest rates stimulating refinancing activity, and the rising complexity of mortgage products requiring expert guidance, the market is projected to maintain a healthy Compound Annual Growth Rate (CAGR) of 5.00% from 2025 to 2033. This growth is further fueled by the expanding segments within the market. The enterprise segment, particularly the medium and large-sized businesses, demonstrates strong demand for efficient loan processing solutions offered by brokers. Within applications, home loans continue to be a major driver, followed by growing demand for commercial and industrial loans, reflecting an active construction and business investment landscape. The increasing number of individuals and businesses seeking financial assistance contributes to market expansion, with geographical variations existing between the United States and Canada, reflective of their distinct economic climates and real estate markets. The presence of established players like PennyMac, Home Point, and JP Morgan Chase, alongside numerous regional and independent brokers, indicates a competitive yet dynamic market landscape. However, the market faces certain restraints. Economic downturns, stricter lending regulations, and technological disruptions impacting traditional broker models pose challenges to sustained growth. Nevertheless, the adaptation of innovative technologies, such as online platforms and AI-powered tools, by brokers is expected to mitigate these challenges. The segment comprising loans to governments, while presently smaller, presents a potential avenue for expansion, especially considering infrastructure development projects and government initiatives. Effective segmentation strategies, focusing on specific customer needs and leveraging advanced technologies, are crucial for brokers to gain a competitive edge and capitalize on market opportunities in the years to come. The overall outlook remains positive, with significant growth prospects for well-positioned players in the coming decade. Recent developments include: In November 2022, To expand the use of eNotes across 250 locations in 49 states, Primary Residential Mortgage Inc. (PRMI) employed the eVault and digital closing platform from Snapdocs., In August 2022, Due to the slowdown in home sales caused by rising interest rates, the two biggest mortgage lenders in the US are increasing pressure on their smaller rivals by providing discounts and other incentives. The two biggest mortgage originators in the US, Rocket Mortgage and United Wholesale Mortgage, respectively, are pursuing aggressive strategies at a time when many lenders are leaving the market or going out of business.. Notable trends are: Increase in Digitization in Lending and Blockchain Technology is driving the market.

In 2023, banks held over ** percent of the mortgages outstanding in Canada. Mortgage Investment Entities (MIEs) and private lenders only had a market share of **** percent. The average mortgage rate in Canada has increased notably since 2021. This has led to the housing market slowing and the value of mortgages outstanding to plateau.

View quarterly updates and historical trends for Canada House Price Index. Source: Federal Reserve Bank of Dallas. Track economic data with YCharts analyt…

The North America mortgage/loan broker market exhibits robust growth potential, projected to reach a substantial market size. While the exact 2025 market size ("XX") isn't specified, considering a typical CAGR of 5.00% and industry trends, a reasonable estimate for the 2025 market value could be placed between $150 billion and $200 billion (in USD). This significant value reflects the increasing complexity of the mortgage market, driving demand for expert brokerage services. The market's expansion is fueled by several key drivers, including rising home prices, low interest rates (historically), increasing consumer demand for personalized financial advice, and the expanding adoption of digital mortgage platforms. Emerging trends such as fintech integration, AI-powered lending solutions, and a heightened focus on customer experience are further shaping the competitive landscape. However, regulatory changes and economic uncertainties present potential restraints, impacting the overall market growth. The market is segmented by various factors such as loan type (conventional, FHA, VA), loan size, and borrower demographics. Key players like PennyMac, Home Point, Caliber Home Loans, Fairway Independent Corporation, JP Morgan Chase, Royal Bank of Canada, Flagstar Bank, PNC Bank, Ally, and New American Funding (among others) are actively competing in this dynamic market, employing various strategies to attract and retain clients. The forecast period (2025-2033) presents opportunities for significant expansion driven by consistent technological advancements and a growing preference for expert guidance in navigating the mortgage process. The projected 5.00% CAGR from 2025 to 2033 indicates a steady and sustained growth trajectory for the North American mortgage/loan broker market. This growth is expected to be driven by an increasingly complex regulatory environment and the need for personalized financial advice for both first-time homebuyers and experienced investors. Furthermore, an aging population, coupled with the desire for homeownership, is expected to fuel demand for mortgage brokerage services. Companies are continuously adapting their business models to incorporate technological advancements and optimize customer experience, leading to increased efficiency and market penetration. Competition is intense, with established players and new entrants vying for market share. Strategies focused on providing personalized service, leveraging technology, and building strong client relationships will be crucial for achieving success in this competitive landscape. Notable trends are: Increase in Digitization in Lending and Blockchain Technology is driving the market.

Graph and download economic data for Real Residential Property Prices for United States (QUSR628BIS) from Q1 1970 to Q2 2025 about residential, HPI, housing, real, price index, indexes, price, and USA.

The global Mortgage-Backed Security (MBS) market is poised for significant expansion, with an estimated market size of $2,500 million in 2025. The market is projected to grow at a Compound Annual Growth Rate (CAGR) of 7.5% through 2033, reaching approximately $4,400 million by the end of the forecast period. This robust growth is primarily fueled by increasing housing demand and a dynamic real estate sector, particularly in emerging economies. The rising popularity of residential MBS, driven by a desire for diversified investment portfolios and stable income streams, is a major catalyst. Furthermore, evolving financial regulations and innovative securitization techniques are creating a more conducive environment for MBS development and adoption. The market's expansion is also supported by the increasing sophistication of financial institutions in managing credit risk associated with mortgage portfolios. The Mortgage-Backed Security market is segmented into Commercial MBS and Residential MBS, with Residential MBS expected to dominate due to sustained demand for homeownership and favorable lending conditions. Key applications include Commercial Banks, Real Estate Enterprises, and Trust Plans, all of which are actively participating in the securitization process. Leading players such as Construction Bank, ICBC, and Bank of China are instrumental in shaping market dynamics through their substantial involvement in mortgage origination and MBS issuance. Geographically, the Asia Pacific region, led by China and India, is anticipated to be the fastest-growing market, owing to rapid urbanization and a burgeoning middle class. Conversely, North America and Europe, while mature, will continue to be significant contributors, driven by established financial infrastructure and ongoing housing market activities. Restrains such as interest rate volatility and regulatory scrutiny are present, but the overall market trajectory remains strongly positive. This comprehensive report provides an in-depth analysis of the global Mortgage-Backed Security (MBS) market, spanning the historical period of 2019-2024 and projecting future trends through 2033. With a base year of 2025 and an estimated year also set for 2025, this study offers granular insights into market dynamics, key players, and regional dominance. The report is structured to offer a holistic understanding, from concentration and characteristics to future projections and key drivers of growth.

Rates have been trending downward in Canada for the last five years. The ebbs and flows are caused by changes in Canada’s bond yields (driven by Canadians economic developments and international rate movements, particularly U.S. rate fluctuations) and the overnight rate (which is set by the Bank of Canada). As of August 2022, there has been a 225 bps increase in the prime rate, since beginning of year 2022, from 2.45% to 4.70% as of Aug 24th 2022. The following are the historical conventional mortgage rates offered by the 6 major chartered banks in Canada in the past 20 years.

We examine the relationship between concentration and price dispersion using variation induced by a merger in the Canadian mortgage market. Since interest rates are determined through a search and negotiation process, consolidation weakens consumers' bargaining positions. We use reduced-form techniques to estimate the mergers' distributional impact, and show that competition benefits only consumers at the bottom and middle of the transaction price distribution, and that mergers reduce the dispersion of prices. We illustrate that these effects can be explained by the presence of search frictions, and that the average effect of mergers on rates underestimates the increase in market power.

Discover the booming global mortgage/loan broker market! This comprehensive analysis reveals a 15% CAGR through 2033, driven by rising demand, technological advancements, and key players like Bank of America and Royal Bank of Canada. Explore regional market shares, key trends, and future projections. Recent developments include: In November 2022, Following the acquisition of Exane by the largest lender in the eurozone last year, BNP Paribas is extending its operation in the United States., In August 2022, For first-time homebuyers, Bank of America introduced a new mortgage option that includes a bank-provided down payment and no closing expenses. In specific Black/African American and/or Hispanic-Latino areas in Charlotte, Dallas, Detroit, Los Angeles, and Miami, the Community Affordable Loan Solution is offered in designated markets. In order to help qualified individuals and families buy a home, the Community Affordable Loan SolutionTM was created.. Notable trends are: Digitization is changing the future of Mortgage.

Property-Plant-and-Equipment-Net Time Series for National Bank of Canada. National Bank of Canada provides financial services to individuals, businesses, institutional clients, and governments in Canada and internationally. It operates through four segments: Personal and Commercial, Wealth Management, Financial Markets, and U.S. Specialty Finance and International. The Personal and Commercial segment offers personal banking services, including transaction solutions, mortgage loans and home equity lines of credit, consumer loans, payment solutions, and savings and investment solutions; various insurance products; and commercial banking services, such as credit, and deposit, investment solutions, international trade, foreign exchange transactions, payroll, cash management, insurance, electronic transactions, and complimentary services. The Wealth Management segment provides full-service brokerage, private banking, direct brokerage, investment solutions, administrative and trade execution, transaction products, and trust and estate services. The Financial Markets segment offers corporate banking, advisory, and capital markets services; and project financing, debt, and equity underwriting; advisory services in the areas of mergers and acquisitions, and financing. The U.S. Specialty Finance and International segment provides specialty finance products; and personal and commercial banking in Cambodia. National Bank of Canada was founded in 1859 and is headquartered in Montreal, Canada.

Discover the booming global mortgage/loan broker market! This in-depth analysis reveals a 15% CAGR through 2033, driven by tech advancements and rising demand. Learn about key trends, segments (home loans, commercial loans etc.), top companies, and regional growth projections. Get valuable insights into this lucrative market. Recent developments include: In November 2022, Following the acquisition of Exane by the largest lender in the eurozone last year, BNP Paribas is extending its operation in the United States., In August 2022, For first-time homebuyers, Bank of America introduced a new mortgage option that includes a bank-provided down payment and no closing expenses. In specific Black/African American and/or Hispanic-Latino areas in Charlotte, Dallas, Detroit, Los Angeles, and Miami, the Community Affordable Loan Solution is offered in designated markets. In order to help qualified individuals and families buy a home, the Community Affordable Loan SolutionTM was created.. Notable trends are: Digitization is changing the future of Mortgage.

The benchmark interest rate in Canada was last recorded at 2.25 percent. This dataset provides - Canada Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Homebuilders have endured considerable volatility. Immigration into Canada has led to unprecedented population growth, exacerbating an existing housing crisis. New housing starts haven't kept up with the population growth, making homebuilders more critical than ever to meet housing needs. Home shortages and changes in buying behaviour supported homebuilders during the COVID-19 pandemic early in the recent five year period. Still, the pandemic's disruption to global supply chains didn't spare contractors, with equipment and material costs reaching unprecedented highs. Interest rate hikes in 2022 and 2023 slowed new relevant housing construction, spurring apartment building construction as consumers increasingly sought out renting. Also, the First Time Homebuyer Incentive, which seemed like a potential boon to homebuilders, largely lacked success and was repealed. Industry-wide revenue has been declining at a CAGR of 0.1% over the past five years – totaling an estimated $30.3 billion in 2025 – when revenue will climb an estimated 1.6%. The Bank of Canada raising rates in 2022 and 2023 led to a massive slowdown for homebuilders, even as the Canadian government tried to ramp up the number of housing units constructed. Higher interest rates make developers cautious about new projects, drive up construction costs for builders and push potential homebuyers out of the market. The Bank of Canada has decreased rates in 2024 and 2025 for the first time since 2022, potentially providing a boost to homebuilders. Labour shortages for home builders have hiked wage costs and hindered profit. Homebuilders will enjoy solid growth over the next five years. Interest rate cuts and low housing supply will spur downstream homebuying activity. Still, labour shortages and material costs will continue to strain contractors' capacity. These challenges will impact the broader construction sector, incentivizing federal and provincial governments to fund workforce development and tech adoption programs. Government initiatives like the First-Time Home Buyers’ Tax Credit, the First Home Savings Account (FHSA) and the Home Buyers Plan (HBP) will support homebuilding. Homebuilders' revenue is forecast to expand at a CAGR of 1.7% to $33.0 billion through the end of 2030.

The statistic shows the average inflation rate in Canada from 1987 to 2024, with projections up until 2030. The inflation rate is calculated using the price increase of a defined product basket. This product basket contains products and services, on which the average consumer spends money throughout the year. They include expenses for groceries, clothes, rent, power, telecommunications, recreational activities and raw materials (e.g. gas, oil), as well as federal fees and taxes. In 2022, the average inflation rate in Canada was approximately 6.8 percent compared to the previous year. For comparison, inflation in India amounted to 5.56 percent that same year. Inflation in Canada In general, the inflation rate in Canada follows a global trend of decreasing inflation rates since 2011, with the lowest slump expected to occur during 2015, but forecasts show an increase over the following few years. Additionally, Canada's inflation rate is in quite good shape compared to the rest of the world. While oil and gas prices have dropped in Canada much like they have around the world, food and housing prices in Canada have been increasing. This has helped to offset some of the impact of dropping oil and gas prices and the effect this has had on Canada´s inflation rate. The annual consumer price index of food and non-alcoholic beverages in Canada has been steadily increasing over the last decade. The same is true for housing and other price indexes for the country. In general there is some confidence that the inflation rate will not stay this low for long, it is expected to return to a comfortable 2 percent by 2017 if estimates are correct.

Evaluate Canada’s best mortgage rates in one place. RATESDOTCA’s Rate Matrix lets you compare pricing for all key mortgage types and terms. Rates are based on an average mortgage of $300,000

Code and pseudo data for "The role of intermediaries in selection markets: Evidence from mortgage lending"

Replication data for peer-reviewed article published] in The Review of Financial Studies. Paper published online November 6, 2024.