Snapshot img { margin: 10px !important; } About Housing Mortgage Mortgage is a debt instrument that the borrower is obliged to pay back with a fixed set of payments and is secured by the collateral of a specified real estate property. Mortgages enable individuals and businesses to make large real estate purchases without paying the entire value of the purchase in one go. Borrowers repay the loan along with interest over a period of many years until they eventually own the property free and clear. However, if borrowers stop paying the mortgage, the lender can foreclose and may evict the property’s owner and sell it, using the income from the sale to clear the mortgage debt. In a fixed-rate mortgage system, borrowers pay the same interest rate for the life of the loan. Most fixed-rate mortgages have a 15 or 30-year term. There is no influence on borrowers’ payment if market interest rates rise. However, if market interest rates decline significantly, borrowers may be able to secure that lower rate by means of refinancing the mortgage. TechNavio's analysts forecast the Housing Mortgage market in the US to grow at a CAGR of 1.75 percent over the period 2013-2018.Covered in this Report This report covers the present scenario and the growth prospects of the Housing Mortgage market in the US for the period 2014-2018. To calculate the market size, the report considers the loan volume of primary housing mortgage banks, credit unions, and financial institutions. It takes into consideration the various product segments such as Home Purchase, Home Improvement, and Refinancing. The report mentions the role played by Federal Government by the way of government-sponsored enterprises operating in the system. TechNavio's report, the Housing Mortgage Market in the US 2014-2018, has been prepared based on an in-depth market analysis with inputs from industry experts. The report covers the US; it also covers the landscape of the Housing Mortgage market in the US and its growth prospects in the coming years. The report also includes a discussion of the key vendors operating in this market.Key Regions • USKey Vendors • Bank of America • Citigroup • JPMorgan Chase • U.S. Bancorp • Wells FargoOther Prominent Vendors • Ally Financial • Capital One Financial • Fifth Third Bancorp • Flagstar Bank, FSB • SunTrust Banks • Quicken Loans • Regions FinancialMarket Driver • Improved Demand for Home Loans • For a full, detailed list, view our reportMarket Challenge • Shrinking Lending Capacity • For a full, detailed list, view our reportMarket Trend • Less Incidence of Foreclosures • For a full, detailed list, view our reportKey Questions Answered in this Report • What will the market size be in 2018 and what will the growth rate be? • What are the key market trends? • What is driving this market? • What are the challenges to market growth? • Who are the key vendors in this market space? • What are the market opportunities and threats faced by the key vendors? • What are the strengths and weaknesses of the key vendors?

The U.S. mortgage market has declined notably since 2020 and 2021, mostly due to the effect of higher borrowing costs on refinance mortgages. The value of refinancing mortgage originations amounted to 112 billion U.S. dollars in the first quarter of 2025, down from a peak of 851 billion U.S. dollars in the fourth quarter of 2020. The value of mortgage loans for the purchase of a property recorded milder fluctuations, with a value of 272 billion U.S. dollars in the first quarter of 2025. According to the forecast, mortgage lending is expected to slightly increase until the end of 2026. The cost of mortgage borrowing in the U.S. Mortgage interest rates in the U.S. rose dramatically in 2022, peaking in the final quarter of 2024. In 2020, a homebuyer could lock in a 30-year fixed interest rate of under three percent, whereas in 2024, the average rate for the same mortgage type exceeded 6.6 percent. This has led to a decline in homebuyer sentiment and an increasing share of the population pessimistic about buying a home in the current market. The effect of a slower housing market on property prices and rents According to the S&P/Case Shiller U.S. National Home Price Index, housing prices experienced a slight correction in early 2023, as property transactions declined. Nevertheless, the index continued to grow in the following months. On the other hand, residential rents have increased steadily since 2000.

This statistic shows the leading mortgage providers in Belgium as of 2018, by market share. The source mentions that out of the ** most important players on the mortgage market in the country, five of these are Belgian daughters of EU bank/insurance groups, with a market share of ** percent. In addition, the source lists ING Belgium, BNP Paribas Fortis, Record Bank and AXA Bank Europe as the biggest of these five banks. In comparison, non-banks reached a market share of *** percent.

In recent years, the housing market in Belgium remained stable. Between 2005 and 2014, for example, the number of real estate transactions in housing in the Flemish region increased from approximately ****** transactions in 2005 to a value of approximately ****** transactions in 2014. In 2015, however, the number reached a provisional level of approximately ******.

Annual market share comparison between purchase and refinance mortgages from 2018-2024.

In financial year 2024, banks in India advanced over *** trillion Indian rupees in housing loans. This was an increase compared to the previous year. This reflected renewed homebuyer sentiment, as an increasing number of Indians were investing in buying residential property. Growth of home loans market Forty years ago, home loans were an alien concept. People would direct their provident fund savings and retirement benefits toward buying a home. However, three key institutions: HDFC, ICICI Ltd, and the State bank of India with their new lending concepts led to significant changes in the home loan market. Currently different commercial banks, NBFCs, and housing finance companies have flooded the mortgage market, and giving prospective home buyers from diverse strata of society with bargaining power and a chance at affording a home. Inflation and home loans   India is not untouched by global inflation. To address the problem, the Reserve Bank of India hiked the repo rate **** times since April 2022 to *** percent. Consequently, leading banks and housing finance companies raised their lending rates. For a prospective homebuyer, this meant a rise in tenure for home loans. In other words, equivalent monthly payments (EMIs)for homebuyers have lengthened and become more expensive. In financial year 2022, banks in India advanced around *** trillion Indian rupees in housing loans almost reaching pre-COVID levels.

Explore borrowing and mortgage trends in Clark County, including conventional vs. government loan performance, average loan sizes, and market share shifts. Data sourced from HMDA regulatory filings shows how local lending patterns evolve through changing market conditions.

Explore borrowing and mortgage trends in Carlton County, including conventional vs. government loan performance, average loan sizes, and market share shifts. Data sourced from HMDA regulatory filings shows how local lending patterns evolve through changing market conditions.

Annual market share for fixed-rate and ARM mortgages from 2018-2024.

Explore borrowing and mortgage trends in Manatee County, including conventional vs. government loan performance, average loan sizes, and market share shifts. Data sourced from HMDA regulatory filings shows how local lending patterns evolve through changing market conditions.

Explore borrowing and mortgage trends in Orange County, including conventional vs. government loan performance, average loan sizes, and market share shifts. Data sourced from HMDA regulatory filings shows how local lending patterns evolve through changing market conditions.

Explore borrowing and mortgage trends in Miami County, including conventional vs. government loan performance, average loan sizes, and market share shifts. Data sourced from HMDA regulatory filings shows how local lending patterns evolve through changing market conditions.

Explore borrowing and mortgage trends in Jo Daviess County, including conventional vs. government loan performance, average loan sizes, and market share shifts. Data sourced from HMDA regulatory filings shows how local lending patterns evolve through changing market conditions.

Explore borrowing and mortgage trends in Wood County, including conventional vs. government loan performance, average loan sizes, and market share shifts. Data sourced from HMDA regulatory filings shows how local lending patterns evolve through changing market conditions.

Explore borrowing and mortgage trends in Raleigh County, including conventional vs. government loan performance, average loan sizes, and market share shifts. Data sourced from HMDA regulatory filings shows how local lending patterns evolve through changing market conditions.

Explore borrowing and mortgage trends in Union County, including conventional vs. government loan performance, average loan sizes, and market share shifts. Data sourced from HMDA regulatory filings shows how local lending patterns evolve through changing market conditions.

Explore borrowing and mortgage trends in New York County, including conventional vs. government loan performance, average loan sizes, and market share shifts. Data sourced from HMDA regulatory filings shows how local lending patterns evolve through changing market conditions.

Explore borrowing and mortgage trends in Madison County, including conventional vs. government loan performance, average loan sizes, and market share shifts. Data sourced from HMDA regulatory filings shows how local lending patterns evolve through changing market conditions.

Explore borrowing and mortgage trends in Madison County, including conventional vs. government loan performance, average loan sizes, and market share shifts. Data sourced from HMDA regulatory filings shows how local lending patterns evolve through changing market conditions.

Explore borrowing and mortgage trends in Pike County, including conventional vs. government loan performance, average loan sizes, and market share shifts. Data sourced from HMDA regulatory filings shows how local lending patterns evolve through changing market conditions.

Explore borrowing and mortgage trends in Searcy County, including conventional vs. government loan performance, average loan sizes, and market share shifts. Data sourced from HMDA regulatory filings shows how local lending patterns evolve through changing market conditions.