Approximately ** percent of homebuyers in the United States in 2024 found their lender through a referral from a real estate agent, realtor, or broker. Real estate websites emerged as the second most important lead channel, according to ** percent of the respondents.

The Global Financial Crisis of 2008-09 was a period of severe macroeconomic instability for the United States and the global economy more generally. The crisis was precipitated by the collapse of a number of financial institutions who were deeply involved in the U.S. mortgage market and associated credit markets. Beginning in the Summer of 2007, a number of banks began to report issues with increasing mortgage delinquencies and the problem of not being able to accurately price derivatives contracts which were based on bundles of these U.S. residential mortgages. By the end of 2008, U.S. financial institutions had begun to fail due to their exposure to the housing market, leading to one of the deepest recessions in the history of the United States and to extensive government bailouts of the financial sector.

Subprime and the collapse of the U.S. mortgage market

The early 2000s had seen explosive growth in the U.S. mortgage market, as credit became cheaper due to the Federal Reserve's decision to lower interest rates in the aftermath of the 2001 'Dot Com' Crash, as well as because of the increasing globalization of financial flows which directed funds into U.S. financial markets. Lower mortgage rates gave incentive to financial institutions to begin lending to riskier borrowers, using so-called 'subprime' loans. These were loans to borrowers with poor credit scores, who would not have met the requirements for a conventional mortgage loan. In order to hedge against the risk of these riskier loans, financial institutions began to use complex financial instruments known as derivatives, which bundled mortgage loans together and allowed the risk of default to be sold on to willing investors. This practice was supposed to remove the risk from these loans, by effectively allowing credit institutions to buy insurance against delinquencies. Due to the fraudulent practices of credit ratings agencies, however, the price of these contacts did not reflect the real risk of the loans involved. As the reality of the inability of the borrowers to repay began to kick in during 2007, the financial markets which traded these derivatives came under increasing stress and eventually led to a 'sudden stop' in trading and credit intermediation during 2008.

Market Panic and The Great Recession

As borrowers failed to make repayments, this had a knock-on effect among financial institutions who were highly leveraged with financial instruments based on the mortgage market. Lehman Brothers, one of the world's largest investment banks, failed on September 15th 2008, causing widespread panic in financial markets. Due to the fear of an unprecedented collapse in the financial sector which would have untold consequences for the wider economy, the U.S. government and central bank, The Fed, intervened the following day to bailout the United States' largest insurance company, AIG, and to backstop financial markets. The crisis prompted a deep recession, known colloquially as The Great Recession, drawing parallels between this period and The Great Depression. The collapse of credit intermediation in the economy lead to further issues in the real economy, as business were increasingly unable to pay back loans and were forced to lay off staff, driving unemployment to a high of almost 10 percent in 2010. While there has been criticism of the U.S. government's actions to bailout the financial institutions involved, the actions of the government and the Fed are seen by many as having prevented the crisis from spiraling into a depression of the magnitude of The Great Depression.

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The Japan Mortgage/Loan Brokers Market, valued at ¥5.20 billion in 2025, is projected to experience steady growth with a Compound Annual Growth Rate (CAGR) of 3.92% from 2025 to 2033. This growth is driven primarily by increasing urbanization, a rising young population entering the housing market, and government initiatives aimed at boosting homeownership. Low interest rates in recent years have also stimulated mortgage demand. However, fluctuating economic conditions and potential regulatory changes pose challenges. The market is segmented by mortgage loan type (conventional, jumbo, government-insured, and others), loan terms (15, 20, and 30-year mortgages, and others), interest rates (fixed and adjustable), and provider (primary and secondary lenders). Major players include prominent Japanese financial institutions like the Bank of Japan, Bank of China (with significant operations in Japan), Suruga Bank, SMBC Trust Bank, Shinsei Bank, and several international banks with a presence in the Japanese market. The market's future trajectory will likely depend on the effectiveness of government policies supporting homeownership, the stability of the Japanese economy, and the adaptability of brokers to evolving technological advancements in financial services. Competition among brokers is expected to intensify, pushing for innovation in services and digital platforms to attract customers. The dominance of established financial institutions in the market highlights the need for smaller brokers to establish strong partnerships or differentiate themselves through specialized services. While the 30-year mortgage remains a significant segment, growing awareness of financial prudence and shorter-term financial goals could lead to increased demand for 15 and 20-year mortgage options. The increasing adoption of online platforms and fintech solutions is also anticipated to transform how mortgage brokerage services are delivered, potentially impacting the operational models of traditional players. Analyzing trends in interest rates and their correlation with overall market growth will be crucial for predicting future market performance. The impact of macroeconomic factors, such as inflation and unemployment, will also play a significant role in influencing mortgage demand and consequently, the growth of the brokerage market. Recent developments include: In March 2024, Leading Japanese online stocks broker Matsui Stocks Co., Ltd. established a partnership with global fintech firm Broadridge Financial Solutions, Inc. to boost its stock lending business via Broadridge's cloud-based SaaS post-trade processing technology., In July 2023, Mitsubishi UFJ Financial Group and Morgan Stanley expanded their 15-year-old partnership. At their joint brokerage operations, the Japanese and American institutions have decided to work together more closely on forex trading, as well as on researching and selling Japanese stocks to institutional investors.. Key drivers for this market are: Increase in demand for Financial Home Loan Solutions, Increased Accessibility to Loan Broker Services. Potential restraints include: Increase in demand for Financial Home Loan Solutions, Increased Accessibility to Loan Broker Services. Notable trends are: Consistent level of interest rate and Increasing Real Estate price affecting Japan's Mortgage/Loan Broker Market..

Carbon-Neutral Mortgage Market Outlook

As per our latest research, the global carbon-neutral mortgage market size reached USD 13.8 billion in 2024, reflecting a robust momentum in sustainable finance. The market is expected to advance at a CAGR of 19.7% from 2025 to 2033, reaching a forecasted value of USD 81.4 billion by 2033. This impressive growth is primarily driven by rising consumer demand for environmentally responsible housing, increasing regulatory support for green financing, and the growing integration of climate risk considerations within the broader mortgage industry.

One of the primary growth factors propelling the carbon-neutral mortgage market is the intensifying global focus on climate change mitigation. Governments and regulatory bodies across North America, Europe, and Asia Pacific are implementing stricter emissions targets and incentivizing both lenders and borrowers to adopt sustainable financial products. These policy frameworks, including tax credits, green bond initiatives, and carbon offset requirements, are pushing financial institutions to innovate and expand their portfolios of carbon-neutral mortgage products. Furthermore, the alignment with international climate agreements such as the Paris Accord has encouraged mortgage providers to take proactive steps in reducing the carbon footprint of their lending activities, thereby driving the adoption and development of carbon-neutral mortgages.

Another significant driver is the evolving consumer mindset, particularly among younger demographics and environmentally conscious homebuyers. Millennials and Gen Z buyers, who are entering the housing market in greater numbers, are increasingly prioritizing sustainability in their purchasing decisions. This shift is evident in the growing demand for energy-efficient homes, green certifications, and carbon-neutral living spaces. As a result, mortgage lenders are responding with tailored products such as green home loans and carbon-offset mortgage options. These offerings not only help borrowers finance eco-friendly homes but also enable them to actively participate in global efforts to combat climate change, further fueling market growth.

Technological advancements and digital transformation within the financial services sector have also played a pivotal role in the expansion of the carbon-neutral mortgage market. The integration of advanced analytics, blockchain, and digital verification tools has streamlined the process of tracking, verifying, and offsetting carbon emissions associated with mortgage portfolios. This has enabled lenders to provide transparent and credible carbon-neutral products, thereby enhancing consumer trust and market uptake. Additionally, the rise of fintech platforms and online lenders has democratized access to green financing, making it easier for a broader segment of the population to participate in the carbon-neutral mortgage market.

From a regional perspective, Europe continues to lead the carbon-neutral mortgage market, accounting for nearly 38% of the global market share in 2024. The region's leadership can be attributed to stringent environmental regulations, widespread adoption of green building standards, and robust government incentives for sustainable housing. North America follows closely, driven by progressive policies in the United States and Canada, as well as growing consumer awareness of climate risks. The Asia Pacific region is emerging as a high-growth market, with countries like Japan, Australia, and China investing heavily in green infrastructure and sustainable urban development. These regional dynamics underscore the global shift towards integrating environmental sustainability within the mortgage industry.

Product Type Analysis

The carbon-neutral mortgage market is segmented by product type into fixed-rate carbon-neutral mortgages, adjustable-rate carbon-neutral mortgages, green home loans, and others. Fixed-rate carbon-neutral mortgages have gained substantial traction, as they offer borrowers predictable payment schedules while supporting investments in energy-efficient properties or carbon offset projects. Lenders are increasingly bundling these mortgages with incentives such as lower interest rates or reduced fees for homes that meet specific green certification standards. This approach not only attracts environmentally conscious borrowers but also aligns with institutional sustainability goals, driving significant growth in this segm

The table shows the level of mortgage credit extended by banks around the world including the most recent value and recent changes. This is the level of outstanding housing credit at a given point in time. The numbers are in billion local currency units and are updated right after the new data are released by the national authorities. Mortgage credit is by far the main component of household credit which also includes consumer credit. In many countries it exceeds the level of business credit. Greater access to mortgage credit makes it easier for households to buy real estate which is very beneficial but it does not contribute to long-term economic growth. In fact, if its growth is excessive it could lead to banking crises.

Finances are an important part of life. When looking at the people with mortgage in selected countries worldwide, Norway and the Netherlands lead the ranking. ** percent of consumers from Norway as well as ** percent from the Netherlands are part of this category. Statista Consumer Insights offer you all results of our exclusive Statista surveys, based on more than ********* interviews.

Mortgage CRM Software Market Outlook

The Mortgage CRM software market was valued at approximately USD 1.2 billion in 2023 and is expected to grow to USD 2.7 billion by 2032, reflecting a Compound Annual Growth Rate (CAGR) of 9.1%. This robust growth in market size is driven primarily by the increasing digital transformation initiatives in the financial sector, the growing emphasis on customer experience, and the need for more streamlined and efficient operational processes in mortgage management. The financial institutions' transition toward more customer-centered and automated operations is a pivotal growth factor, pushing the adoption of CRM solutions tailored specifically for mortgage processes.

One of the major growth drivers in the mortgage CRM software market is the burgeoning demand for enhanced customer interaction and relationship management in the highly competitive mortgage industry. Financial institutions are increasingly recognizing the importance of nurturing customer relationships and providing personalized services, which CRM software can facilitate. As customers now demand more transparency and timely updates regarding their mortgage processes, mortgage CRM systems provide the tools necessary to meet these expectations, thus fostering customer loyalty and retention. This shift towards customer-centric strategies is further accentuated by the increasing competition among banks, credit unions, and mortgage brokers to capture and retain market shares, thereby driving the market growth.

Another significant factor fueling the growth of this market is the proliferation of cloud technology, which offers scalable and cost-effective solutions for mortgage CRM systems. Cloud-based CRMs provide accessibility, flexibility, and integration capabilities that are essential for the dynamic needs of modern mortgage operations. With the adoption of cloud technology, mortgage CRM systems can be easily updated, maintained, and scaled according to the evolving requirements of the enterprise, making them an attractive option for both small and medium enterprises and large enterprises. Moreover, the security advancements in cloud technology are alleviating concerns over data protection, making the cloud a viable option for sensitive financial data.

Furthermore, the ongoing digital transformation initiatives across the banking and financial services industry have significantly contributed to the adoption of sophisticated technology solutions like mortgage CRM software. Financial institutions are leveraging CRM systems to automate marketing campaigns, manage leads efficiently, and ensure seamless integration with other financial and loan origination systems. This digitization trend is anticipated to continue, with a focus on advanced analytics and artificial intelligence capabilities, enabling more informed decision-making and predictive analytics in customer relationship management.

Regionally, North America holds the largest share in the mortgage CRM software market due to the early adoption of technology and the presence of major market players. However, the Asia Pacific region is expected to witness the fastest growth during the forecast period, with a projected CAGR of 10.5%. This is attributed to the rapid digitalization of financial services and increasing investments in CRM technologies. Europe also presents substantial growth opportunities, driven by the regulatory push towards digital banking solutions and enhanced customer service standards. Latin America and the Middle East & Africa, while currently smaller markets, are also expected to see steady growth due to rising investments in banking technology infrastructure and increasing demand for efficient mortgage solutions.

In the broader landscape of customer relationship management, Real Estate CRM Software plays a pivotal role in transforming how real estate professionals manage their client interactions and transactions. This specialized software is designed to streamline operations, enhance customer engagement, and improve sales processes by providing real-time insights and analytics. Real estate agents and brokers benefit from features such as lead tracking, automated follow-ups, and personalized communication, which are essential for maintaining competitive advantage in a fast-paced market. As the real estate industry continues to embrace digital solutions, the demand for robust CRM systems that cater to its unique needs is expected to grow, paralleling trends observed in the mortgage sector.

Deployment Type An

Companies in the Subprime Auto Loans industry have contended with rising interest rates and significant economic volatility. Several small, specialized creditors have been pushed to bankruptcy because of diminishing profit and growing subprime auto loan delinquencies. According to Fitch Ratings Inc., the index of the 60-day delinquency rate of subprime auto loans reached 6.11% in September 2023 and remained significantly elevated at 6.00% in October 2023 (latest data available), a worse rating than during the great financial crisis. As a result, many businesses have exited the industry. However, in 2024 the Federal Reserve cut interest rates by half a point and is anticipated to cut rates further in the near future which will positively impact the industry. The pandemic shocked industry revenue in 2020, dampening profit and income for many lenders as stay-at-home orders rendered personal transportation less crucial to many. However, as the economy settles back to normal, many subprime consumers will return to work and lead the industry to growth in the latter part of the period. Overall, industry revenue has lagged at a CAGR of 1.2% to $19.0 billion over the five years to 2024, including an expected jump of 0.4% in 2024 alone. Despite the potential payout of subprime interest rates, many companies in the Auto Leasing, Loans and Sales Financing industry (IBISWorld report 52222) still chose not to expand the number of high-risk loans in their portfolios. Instead, they have sought super-prime and prime borrowers during heightened delinquency rates, which will aid in recovery. Moreover, many primary auto dealers have begun reducing their auto financing divisions to eliminate high-risk borrowers. Moving forward, industry revenue declines will be limited by rising access to credit and growth in consumer confidence, which will accelerate vehicle sales. Also, interest rates are expected to come down as the FED continues to monitor inflation and reduce rates accordingly. In addition, some consumers will seek to lock in financing deals as interest rates continue to be reduced. Overall, industry revenue is forecast to slump at a CAGR of 1.2% to $17.9 billion over the five years to 2029.

Data Dictionary

The Data contains 1 file :

• loan.csv: In this file there are 18 columns:
  1. loanId: This is a unique loan identifier. Use this for joins with the payment.csv file
  2. anon_ssn: This is a hash based on a client’s SSN (Anonymous ssn). You can use this as if it is a SSN to compare if a loan belongs to a previous customer.
  3. payFrequency: This column represents repayment frequency of the loan:
     • B is biweekly payments
     • I is irregular
     • M is monthly
     • S is semi monthly
     • W is weekly
  4. apr: Annual Percentage Rate of the loan (%)
  5. applicationDate: Date of application (start date)
  6. originated: Indicates if the loan has been initiated (underwriting process started).
  7. originatedDate: Date of origination, day the loan was originated
  8. nPaidOff: Number of MoneyLion loans previously paid off by the client.
  9. approved: Indicates if the loan has been approved (final step of underwriting).
  10. isFunded: Whether or not a loan is ultimately funded. a loan can be voided by a customer shortly after it is approved, so not all approved loans are ultimately funded.
  11. loanStatus: Current loan status (this column is used for prediction). Most are selfexplanatory. Below are the statuses which need clarification:
      • Withdrawn Application: The applicant has withdrawn their loan application before it was approved or funded.
      • Paid Off Loan: The loan has been fully paid off by the borrower according to the repayment terms.
      • Rejected: The loan application was rejected, typically due to failure to meet underwriting criteria.
      • New Loan: A newly approved loan that has not yet been funded.
      • Internal Collection: The loan is being managed and collected internally by MoneyLion due to missed payments or delinquency.
      • CSR Voided New Loan: A new loan application was voided by a customer service representative (CSR) before funding.
      • External Collection: The loan has been transferred to an external collection agency for management and collection.
      • Returned Item: A payment on the loan has been returned due to insufficient funds in the borrower's account.
      • Customer Voided New Loan: The borrower voided a new loan application before funding.
      • Credit Return Void: The loan was voided due to a credit return, typically related to a refunded transaction.
      • Pending Paid Off: The loan is in the process of being paid off, but the process is pending completion.
      • Charged Off Paid Off: The loan has been charged off as a loss by MoneyLion but has also been paid off by the borrower.
      • Settled Bankruptcy: The loan has been settled as part of a bankruptcy proceeding.
      • Settlement Paid Off: The loan has been paid off through a settlement agreement.
      • Charged Off: The loan has been charged off as a loss by MoneyLion due to nonpayment.
      • Pending Rescind: The loan is pending rescission, meaning it may be canceled or reversed.
      • Customver Voided New Loan: Typo: Likely should be "Customer Voided New Loan". Similar to "Customer Voided New Loan", indicating the borrower voided a new loan application before funding.
      • Pending Application: The loan application is pending review and approval.
      • Voided New Loan: The loan application was voided before funding.• Pending Application Fee: The loan application is pending due to the application fee not being paid.
      • Settlement Pending Paid Off: The loan is pending being paid off through a settlement agreement.
  12. loanAmount: Principal amount of the loan ('Dollars') (for non-funded loans this will be the principal in the loan application)
  13. originallyScheduledPaymentAmount: This is the Initialy scheduled repayment amount ('Dollars') (if a customer pays off all his scheduled payments, this is the amount we should receive)
  14. state: State of the client
  15. Lead type: The lead type determines the underwriting rules for a lead.
      • bvMandatory: leads that are bought from the ping tree – required to perform bank verification before loan approval
      • lead: very similar to bvMandatory, except bank verification is optional for loan approval
      • california: similar to lead, but optimized for California lending rules
      • organic: customers that came through the MoneyLion website
      • rc_returning: customers who have at least 1 paid off loan in another loan portfolio. (The first paid off loan is not in this data set).
      • prescreen: preselected customers who have been offered a loan through direct mail campaigns
      • express: promotional “express” loans
      • repeat: promotional loans offered through ...

AI-Powered Mortgage Underwriting Market Outlook

According to our latest research, the AI-powered mortgage underwriting market size reached USD 1.24 billion in 2024, with a robust CAGR of 24.6% projected from 2025 to 2033. By the end of 2033, the market is expected to attain a value of USD 10.77 billion, driven primarily by the rapid adoption of automation and artificial intelligence within the global financial sector. The market’s exponential growth is fueled by increasing demand for faster, more accurate loan processing, significant cost reductions, and an enhanced customer experience, as lenders and financial institutions worldwide seek to streamline their operations and mitigate risk using advanced AI solutions.

One of the most significant growth factors propelling the AI-powered mortgage underwriting market is the rising need for operational efficiency in the mortgage industry. Traditional underwriting processes are often time-consuming, labor-intensive, and susceptible to human error, which can lead to delays and increased costs. By integrating AI-powered solutions, lenders can automate document verification, risk assessment, and decision-making processes, reducing turnaround times from weeks to mere hours. This efficiency not only accelerates loan approvals but also improves accuracy, ensuring that underwriting decisions are based on comprehensive data analysis and minimizing the risk of defaults. The growing pressure on financial institutions to deliver faster, more reliable services to tech-savvy consumers is a major driver behind the widespread adoption of AI in mortgage underwriting.

Another key driver behind the surge in the AI-powered mortgage underwriting market is the increasing regulatory scrutiny and compliance requirements facing financial institutions. AI technologies are uniquely positioned to assist lenders in navigating complex regulatory environments by automating compliance checks, flagging potential issues, and maintaining meticulous audit trails. This capability is especially crucial as global regulatory frameworks evolve and become more stringent, requiring lenders to demonstrate transparency and accountability in their underwriting practices. The adoption of AI not only ensures adherence to regulations but also reduces the risk of costly penalties and reputational damage associated with non-compliance. As a result, financial institutions are increasingly investing in advanced AI-driven platforms to future-proof their operations and maintain a competitive edge.

Furthermore, the proliferation of digital transformation initiatives across the financial services sector is catalyzing the growth of the AI-powered mortgage underwriting market. The shift towards digital banking and online lending platforms has heightened consumer expectations for seamless, personalized, and efficient mortgage experiences. AI-powered underwriting systems are instrumental in delivering these experiences by leveraging machine learning algorithms to analyze vast datasets, predict borrower behavior, and tailor loan offerings. This data-driven approach not only enhances the accuracy of credit risk assessments but also enables lenders to expand their customer base by identifying creditworthy applicants who may have been overlooked by traditional methods. The synergy between AI and digital transformation is expected to continue driving innovation and growth in the mortgage underwriting landscape.

From a regional perspective, North America currently dominates the AI-powered mortgage underwriting market, accounting for the largest share in 2024, followed closely by Europe and Asia Pacific. The strong presence of leading technology providers, advanced financial infrastructure, and a high rate of digital adoption among consumers have positioned North America at the forefront of AI implementation in mortgage underwriting. In Europe, regulatory initiatives such as PSD2 and open banking are accelerating the adoption of AI-driven solutions, while Asia Pacific is witnessing rapid growth due to the expansion of fintech startups and increasing digitalization in emerging markets. Latin America and the Middle East & Africa are also showing promising growth potential, driven by rising investments in financial technology and efforts to improve financial inclusion. These regional dynamics underscore the global momentum behind the adoption of AI in mortgage underwriting, with each region presenting unique opportunities and challenges for market participants.

The year 2021 saw the peak in issuance of residential mortgage backed securities (MBS), at *** trillion U.S. dollars. Since then, MBS issuance has slowed, reaching *** trillion U.S. dollars in 2023. What are mortgage backed securities? A mortgage backed security is a financial instrument in which mortgages are bundled together and sold to investors. The idea is that the risk of these individual mortgages is pooled when they are packaged together. This is a sound investment policy, unless the foreclosure rate increases significantly in a short amount of time. Mortgage risk Since mortgages are loans backed by an asset, the house, the risk is often considered relatively low. However, the loan maturities are very long, sometimes decades, meaning lenders must factor in the risk of a shift in the economic climate. As such, interest rates on longer mortgages tend to be higher than on shorter loans. The ten-year treasury yield influences these rates, since it is a long-term rate that most investors accept as risk-free. Additionally, a decline in the value of homeowner equity could lead to a situation where the debtor is “underwater” and owes more than the home is worth.

This dataset documents business cycle properties of the full cross-sectional distributions of U.S. stock returns and credit spreads from financial and nonfinancial firms. The skewness of returns of financial firms (SRF) predicts economic activity, while being a barometer for lending conditions. SRF also affects firm-level investment beyond firms' balance sheets, and adverse SRF shocks lead to macroeconomic downturns with tighter lending conditions. SRF is based on U.S. stock returns as well as corporate credit spreads.

The number of final orders made against mortgage cases disposed in the High Court. Datasets are produced on an annual year basis. The dataset is entered onto ICOS, the Integrated Courts Operations System. The data are then extracted and merged with the Central Postcode Directory, and aggregated information uploaded to this portal. Northern Ireland Courts and Tribunals Service collects information on writs and originating summonses issued in respect of mortgages in Chancery Division of the Northern Ireland High Court. This covers both Northern Ireland Housing Executive and private mortgages, and relates to both domestic and commercial properties. A mortgage case may involve more than one address or a land property. In such cases, the first postcode address entered onto ICOS is used. Not all writs and originating summonses lead to eviction. A plaintiff begins an action for an order for possession of property. The court, following a judicial hearing, may grant an order for possession. This entitles the plaintiff to apply for an order to have the defendant evicted. However, even where an order for eviction is issued the parties can still negotiate a compromise to prevent eviction. When a case is disposed of, it may have more than one final order made. This database contains the last final order made. A description of the orders is below: Possession: The court orders the defendant to deliver possession of the property to the plaintiff within a specified time. If the defendant fails to comply with the court order the plaintiff may proceed to apply to the Enforcement of Judgements Office to repossess the property and give possession of it to the plaintiff. Sale and Possession: If the plaintiff seeks possession of property which is subject to an ‘equitable mortgage’ (i.e. normally one created informally by the deposit of deeds rather than the execution of a mortgage deed) the court may order a sale of the property to enable enforcement of the equitable mortgage and that the defendant give up possession for that purpose. The sale price is subject to approval by the court. Suspended Possession: The court may postpone the date for delivery of possession if it is satisfied that the defendant is likely to be able, within a reasonable period, to pay any sums due under the mortgage, or to remedy any other breach of the obligations under the mortgage. A suspended possession order cannot be enforced by the plaintiff without the permission of the court, which will only be granted after a further hearing. Other: other orders include strike out, dismiss action, and other less common orders. Strike out: This occurs when the moving party does not wish to proceed any further, or when the court rules that there is no reasonable ground for bringing or defending the mortgage action. Dismiss action: The mortgage action is dismissed by the courts. Other orders: These include: (a) Declaration of possession coupled with an order for sale in lieu of partition and (b) Stay of Eviction - after a Possession Order is granted but prior to actual repossession, the Defendant may apply to Court to seek a stay of eviction which, if granted, prevents repossession for a certain defined period. Users of this data may have been able to self-identify themselves due to the low values in some cells. Primary and secondary disclosure control methods have been applied to this data, denoted by cells with missing data in the tables. Values of less than four, but not zero, were initially suppressed, but some of these values could have been calculated using some row and column totals and thus secondary suppression was applied to the next lowest value in the row and column. The data contain the number of final orders made against cases disposed by each Assembly Area and have the following proportions of postcode coverage: 2010, 97.8%; 2011, 97.3%; 2012, 97.7%; 2013, 96.5%; 2014, 96.0%; 2015, 94.8%; 2016, 95.5%; 2017, 95.1%; 2018, 94.8%; 2019, 93.8%; 2020, 95.6%; 2021, 93.6%; 2022, 95.3%; 2023 97.5%

Certificates of Disclosure (COD) issued by the City of Cleveland Department of Building and Housing since 2015. A COD is required when transferring properties with structures in the City. Update Frequency Weekly on Sundays at 7 AM EST (6 AM during daylight savings) ContactsDepartment of Building and Housing Records Room 216-664-2930 Data Glossary B1_ALT_ID: Record ID File Date: Date record created Parcel: Permanent parcel number of property to be transferred Address : Address of property to be transferred Ward: Ward in which property is located as of issue date Owner Name: Individual or entity transferring property Title Agency Name: Title agent for property transfer Title Agency Business Name: Title agency for property transfer Buyer Name: Individual buying the property Buyer Business Name: Business entity buying the property Mortgage Broker Name: Mortgage broker associated with transaction Mortgage Broker Business Name: Mortgage broker business associated with transaction Mortgage Company Name: Mortgage officer associated with transaction Mortgage Company Business Name: Mortgage company associated with transaction Issued by: Accela user who issued the CODIssue Date: Date COD was issued Condemned Status: Is structure currently condemned? Yes or No. This is user-entered reviewing staff.Was Ever Condemned: Has structure ever been condemned? Yes or No. This is user-entered reviewing staff.Current Violations: Are there currently Building and Housing violations associated with parcel? Yes or No. This is user-entered reviewing staff.Current BH Lead Violations: Is there currently a Building and Housing lead violation associated with parcel? Yes or No. This is user-entered reviewing staff.Current CDPH Lead Violations: Is there currently a Cleveland Department of Public Health lead violation associated with parcel? Yes or No . This is user-entered reviewing staff.The below fields are not from the system of record for permits, Accela. They are extra fields produced by the City's Data Warehouse to make it more useful for staff and the public.DW_Parcel: Current Cuyahoga County parcel that matches this addressDW_Ward: Ward location of that parcelDW_Tract2020: Census tract ID of that parcelDW_Neighborhood: City neighborhood of that parcelACCELA_CITIZEN_ACCESS_URL: Link to view the record on Accela Citizen Access

The indicator reports the amounts of new credits contracted during the year to the population aged 18 and over (may have a credit). To enable a reliable interpretation, only new appropriations entered into during the year are taken into account because the data on the amount of a credit refers to the amount of the credit when it is opened. When a credit is older, the credit is usually partially repaid and information on the outstanding balance should be available. These are not available. Note: the data at the level of the contract are disseminated by postal code on the website of the credit centre to individuals. They were aggregated at the municipal level by the IWEPS. It is possible that this aggregation leads to some double counting. When a credit is contracted by several people who do not live in the same postal code, the data is entered in the file for each of the postal codes concerned. If two contractors live in the same municipality but not the same postal code, there will be duplicate information related to the credit (amount, number,...). These cases are probably rare because loans to several borrowers usually concern people domiciled at the same address. Note that the refinancing of a mortgage credit is considered a new credit. This is partly the reason for the sharp increase between 2014 and 2015. See also: — the website of the National Bank of Belgium (BNB), ‘\2’.

The number of final orders made against mortgage cases disposed in the High Court. Datasets are produced on an annual year basis. The dataset is entered onto ICOS, the Integrated Courts Operations System. The data are then extracted and merged with the Central Postcode Directory, and aggregated information uploaded to this portal.

Northern Ireland Courts and Tribunals Service collects information on writs and originating summonses issued in respect of mortgages in Chancery Division of the Northern Ireland High Court. This covers both Northern Ireland Housing Executive and private mortgages, and relates to both domestic and commercial properties. A mortgage case may involve more than one address or a land property. In such cases, the first postcode address entered onto ICOS is used. Not all writs and originating summonses lead to eviction.

A plaintiff begins an action for an order for possession of property. The court, following a judicial hearing, may grant an order for possession. This entitles the plaintiff to apply for an order to have the defendant evicted. However, even where an order for eviction is issued the parties can still negotiate a compromise to prevent eviction.

When a case is disposed of, it may have more than one final order made. This database contains the last final order made. A description of the orders is below:

Possession: The court orders the defendant to deliver possession of the property to the plaintiff within a specified time. If the defendant fails to comply with the court order the plaintiff may proceed to apply to the Enforcement of Judgements Office to repossess the property and give possession of it to the plaintiff. Sale and Possession: If the plaintiff seeks possession of property which is subject to an ‘equitable mortgage’ (i.e. normally one created informally by the deposit of deeds rather than the execution of a mortgage deed) the court may order a sale of the property to enable enforcement of the equitable mortgage and that the defendant give up possession for that purpose. The sale price is subject to approval by the court. Suspended Possession: The court may postpone the date for delivery of possession if it is satisfied that the defendant is likely to be able, within a reasonable period, to pay any sums due under the mortgage, or to remedy any other breach of the obligations under the mortgage. A suspended possession order cannot be enforced by the plaintiff without the permission of the court, which will only be granted after a further hearing. Other: other orders include strike out, dismiss action, and other less common orders. Strike out: This occurs when the moving party does not wish to proceed any further, or when the court rules that there is no reasonable ground for bringing or defending the mortgage action. Dismiss action: The mortgage action is dismissed by the courts. Other orders: These include: (a) Declaration of possession coupled with an order for sale in lieu of partition and (b) Stay of Eviction - after a Possession Order is granted but prior to actual repossession, the Defendant may apply to Court to seek a stay of eviction which, if granted, prevents repossession for a certain defined period.

Users of this data may have been able to self-identify themselves due to the low values in some cells. Primary and secondary disclosure control methods have been applied to this data, denoted by cells with missing data in the tables. Values of less than four, but not zero, were initially suppressed, but some of these values could have been calculated using some row and column totals and thus secondary suppression was applied to the next lowest value in the row and column.

The data contain the number of final orders made against cases disposed by each Health and Social Care Trust and have the following proportions of postcode coverage: 2007, 95.2%; 2008, 95.6%; 2009, 97.9%; 2010, 97.8%; 2011, 97.3%; 2012, 97.7%; 2013, 96.5%; 2014, 96.0%; 2015, 94.8%; 2016, 95.5%; 2017, 95.1%; 2018, 94.8%; 2019, 93.8%; 2020, 95.6%; 2021, 93.6%; 2022, 95.3%; 2023 97.5%.

This statistic illustrates the customer satisfaction levels as a percentage lead over the nearest competitor of the Nationwide Building Society clients in the United Kingdom (UK) from 2011 to 2017. It can be seen that the customer satisfaction lead increased overall during the period under observation, reaching a lead over the nearest competitor of five percent as of 2017. This was an overall increase of 4.2 percent in comparison to 2011.

The home equity loan market, valued at $30.74 billion in 2025, is projected to experience steady growth, driven by several key factors. Rising home values in many regions are providing homeowners with increased equity, making them eligible for larger loan amounts. Low interest rates, while fluctuating, historically contribute to increased borrowing. Furthermore, the increasing preference for home renovations and improvements fuels demand for home equity loans, as homeowners utilize this accessible source of funding for projects ranging from kitchen upgrades to energy-efficient replacements. The market is segmented by loan type (fixed-rate loans and home equity lines of credit – HELOCs) and service providers (banks, online lenders, credit unions, and others). Banks and credit unions traditionally dominate the market, but online lenders are gaining traction due to their ease of access and streamlined application processes. Competition among these providers is intensifying, leading to innovation in product offerings and customer service. While economic downturns could potentially restrain growth, the long-term outlook remains positive, fueled by ongoing demand for home improvements and refinancing opportunities. The geographic distribution of the market is extensive, with significant presence across North America, Europe, and Asia-Pacific. The continued expansion of the home equity loan market is anticipated to be influenced by several dynamic factors. Government regulations and policies concerning lending practices will continue to shape the landscape. Technological advancements such as online platforms and sophisticated risk assessment tools will likely enhance efficiency and accessibility. Furthermore, evolving consumer preferences and financial literacy levels will play a significant role in determining demand for specific loan products. Geographic variations in housing markets, interest rates, and regulatory environments will lead to differential growth rates across different regions. The competitive landscape, marked by a diverse range of established and emerging players, suggests a dynamic market susceptible to shifts in market share based on product innovation, customer service, and strategic partnerships. Recent developments include: In April 2022, Redfin a real estate company based in Seattle (United States) acquired Bay Equity Home Loans with a sum of USD 137.8 Million. The merger accelerates Redfin’s strategy for expanding its business with customers to buy, sell, rent, and finance a home., In July 2022, Ontario Teachers’ Pension Plan Board acquired HomeQ which exists as a parent company of HomeEquity Bank, from Birch Hill Equity Partners Management Inc. HomeEquity Bank exist as a Canadian Bank offering a range of reverse mortgage solutions product and Ontario Teachers' Pension Plan Board is a global investor.. Key drivers for this market are: Increase In Sales of Household Units, Higher Duration of Repayment. Potential restraints include: Increase In Sales of Household Units, Higher Duration of Repayment. Notable trends are: Access to Large Amount of Loan.