ABA Residential Real Estate Lending Survey Report

26th Annual ABA Real Estate Lending Survey Report

The 26th Real Estate Lending Survey had the participation of 180 banks. The data was collected from March 6, 2019 to May 6, 2019, and in most cases reports calendar year or year end results. In other cases, data reflect current activities and expectations at the time of data collection. Of the survey participants, the main regulator for 60 percent of respondents is the FDIC. About 70 percent of the participating institutions had assets of less than $1 billion.

• Approximately 63 percent of respondents state that compliance costs are higher due to recent regulatory reforms.
• Eighty eight percent of loan originations were sourced through the retail channel
• The percentage of single family mortgage loans made to first time home buyers decreased slightly from 17 percent in 2017 to 16 percent in 2018.
• The average percentage of participants’ 2018 production that are Qualified Mortgages (QM) was 91 percent.

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Past Surveys

Below are reports from past Residential Real Estate Lending Surveys. These surveys are conducted annually by the American Bankers Association. The data are generally collected over a two-month period, reflecting mortgage lending statistics from previous calendar year or year-end results. In certain specified cases (such as regulatory impact data collected on a one-off basis), the data may have reflected ongoing activities and expectations at the time of data collection.

• 25th Annual ABA Residential Real Estate Survey Report
• 24th Annual ABA Residential Real Estate Survey Report
• 23rd Annual ABA Residential Real Estate Survey Report
• 22nd Annual ABA Real Estate Survey Report