Residential Mortgage Market is expected to reach US$ 26.5 billion by 2030 | Major Companies - Wells Fargo Home Mortgage, Rocket Mortgage, JP Morgan Chase.

Market Size and Growth:

The Global Residential Mortgage Market Size reached US$ 11.2 billion in 2022 and is expected to reach US$ 26.5 billion by 2030, growing with a CAGR of 11.3% during the forecast period 2024-2031. The Market is growing due to rising urbanization, increasing homeownership demand, and favorable government housing policies supporting mortgage financing. According to DataM Intelligence Report.

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The Residential Mortgage Market refers to the sector of the financial industry where loans are provided to individuals or households to purchase, refinance, or renovate residential properties. It includes various mortgage products, such as fixed-rate, adjustable-rate, and government-backed loans, and involves lenders, borrowers, and intermediaries. Market trends are influenced by interest rates, housing demand, and regulatory policies.

Industry Recent Developments: United States

✅ In October 2025, U.S. existing home sales increased by 1.2% as buyers took advantage of lower mortgage rates, with the median home price rising by 2.1% year-over-year to $415,200. First-time buyers' share climbed to 32%, showing growing market participation.​

✅ In November 2025, there was a proposal by President Trump for a 50-year fixed mortgage designed to lower monthly payments, alongside the possible public offering of Fannie Mae and Freddie Mac to return them to private ownership, potentially reshaping the home loan market. Home prices continued to rise in many metros, with active listings up by 15.3% year-over-year.​

✅ In September 2025, inventory gains continued with active listings rising 17% year-over-year, although growth rate slowed. Regional contrasts widened with surplus inventory in the South and West, but undersupply in the Northeast and Midwest.

Industry Recent Developments: Japan

✅ In the July to September quarter of 2025, Japan's Flat 35 mortgage program applications surged by over 50%, emphasizing strong demand for long-term fixed-rate mortgages amid variable-rate uncertainty. Total loan amounts also rose significantly, supporting stable homeownership.​

✅ Housing starts in Japan fell by 7.3% year-on-year in September 2025, a slower decline than previous months, indicating a mild easing in the downward trend for new residential construction.​

✅ As of November 2025, Japan's mortgage lending market was stable with low interest rates continuing to encourage mortgage affordability. The aging population is driving demand for reverse mortgages, and digital transformation is reshaping lending practices.​

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Major Key Players:

Wells Fargo Home Mortgage
Rocket Mortgage
JP Morgan Chase
Bank of America Home Loans
U.S. Bank Home Mortgage
CitiMortgage
PNC Mortgage
SunTrust Mortgage
Freedom Mortgage
PennyMac Loan Services.

Market Growth Drivers:

✅ Increased housing demand due to population growth, urbanization, and a preference for homeownership.

✅ Supportive government policies such as housing subsidies, credit-linked subsidy schemes, and loan programs targeted at first-time buyers.

✅ Rising disposable incomes and expanding middle-class populations enabling more households to afford mortgage loans.

Segments Covered in the Residential Mortgage Market:

By Type: Fixed-Rate Mortgage (FRM), Adjustable-Rate Mortgage (ARM), FHA Loan, VA Loan, Jumbo Loan, Conventional Loan.

By Provider: Banks, Credit Unions, Online Lenders, Non-Bank Lenders, Mortgage Companies, Savings and Loan Associations, Government Agencies.

Regional Analysis for Residential Mortgage Market:

⇥ North America (U.S., Canada, Mexico)

⇥ Europe (U.K., Italy, Germany, Russia, France, Spain, The Netherlands and Rest of Europe)

⇥ Asia-Pacific (India, Japan, China, South Korea, Australia, Indonesia Rest of Asia Pacific)

⇥ South America (Colombia, Brazil, Argentina, Rest of South America)

⇥ Middle East & Africa (Saudi Arabia, U.A.E., South Africa, Rest of Middle East & Africa)

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Chapter Outline:

⏩ Market Overview: It contains five chapters, as well as information about the research scope, major manufacturers covered, market segments, Residential Mortgage market segments, study objectives, and years considered.

⏩ Market Landscape: The competition in the Global Residential Mortgage Market is evaluated here in terms of value, turnover, revenues, and market share by organization, as well as market rate, competitive landscape, and recent developments, transaction, growth, sale, and market shares of top companies.

⏩ Companies Profiles: The global Residential Mortgage market's leading players are studied based on sales, main products, gross profit margin, revenue, price, and growth production.

⏩ Market Outlook by Region: The report goes through gross margin, sales, income, supply, market share, CAGR, and market size by region in this segment. North America, Europe, Asia Pacific, Middle East & Africa, and South America are among the regions and countries studied in depth in this study.

⏩ Market Segments: It contains the deep research study which interprets how different end-user/application/type segments contribute to the Residential Mortgage Market.

⏩ Market Forecast: Production Side: In this part of the report, the authors have focused on production and production value forecast, key producers forecast, and production and production value forecast by type.

⏩ Research Findings: This section of the report showcases the findings and analysis of the report.

⏩ Conclusion: This portion of the report is the last section of the report where the conclusion of the research study is provided.

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Frequently asked questions:

➠ What is the global sales value, production value, consumption value, import and export of Residential Mortgage market?

➠ Who are the global key manufacturers of the Residential Mortgage Industry? How is their operating situation (capacity, production, sales, price, cost, gross, and revenue)?

➠ What are the Residential Mortgage market opportunities and threats faced by the vendors in the global Residential Mortgage Industry?

➠ Which application/end-user or product type may seek incremental growth prospects? What is the market share of each type and application?

➠ What focused approach and constraints are holding the Residential Mortgage market?

➠ What are the different sales, marketing, and distribution channels in the global industry?

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