Nest egg: Rising disposable income will increase demand for and revenue from real estate loans

The Real Estate, Loans and Collateralized Debt industry in California is one of the largest state segments of the national industry, in terms of revenue. Over the five years to 2017, the industry has exhibited modest growth as the state's various real estate markets have slowly recovered from the subprime mortgage crisis. Although surging home prices in the Golden State have kept many households from purchasing properties, high-income Californians have largely made up the slack, contributing to growth in the total number of mortgages originated for residential properties. Meanwhile, the Federal Reserve has started to increase the federal funds rate to prerecessionary levels as the national economy has grown...read more.

Industry Statistics & Market Size
Revenue
$33bn
Annual Growth 12-17
1.7%
Forecast Growth 17-22
Profit
Employment
64,391
Businesses
3,767

Industry Threats & Opportunities

  • The industry has exhibited modest growth as California’s real estate market have slowly recovered from the subprime mortgage crisis
  • Borrowers in California have become relatively wealthier
  • The total number of mortgages originated is anticipated to increase
  • Industry Report - Industry Products Chapter

    The Real Estate Loans and Collateralized Debt industry in California specializes in lending activity within the primary and secondary markets. The primary market accounts for 86.1% of industry revenue, while the secondary market accounts for the remaining 13.9%. Within the primary sector, industry participants mainly specialize in consumer lending, including mortgages, asset-based loans, cash advances and student loans. This segment also contains lending programs that specialize in international trade financing for importers and exporters within the United States. In addition, the primary segment provides credit to specific industries and government-supported sectors, such as agriculture. In ...purchase to read more.

    Additional Insights for the Real Estate Loans & Collateralized Debt in California Industry

    IBISWorld identifies 250 Key Success Factors for a business.The most important for the Real Estate Loans & Collateralized Debt in California Industry are

  • Superior financial management and debt management
  • Ability to raise revenue from additional sources
  • Membership of joint marketing/distribution operations
  • IBISWorld analysts also discuss how external factors such as year conventional mortgage rate and Home Price Index in California in the Real Estate Loans & Collateralized Debt in California industry impact industry performance..

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    What's in this report

    What is the Real Estate Loans & Collateralized Debt in California Industry?

    The industry comprises nondepository operators that specialize in lending activity in California. Unlike banks and other traditional lenders, operators do not rely on deposits to issue loans. Instead, nondepository operators provide lending services by selling securities, such as bonds, notes and stock or insurance policies, to the public. In addition to direct lending, industry operators also generate income by securitizing and selling mortgages and other loans on the secondary market.

    Industry Products
  • Consumer lending
  • Real estate lending
  • Secondary market financing
  • Industry Activities
  • Secondary market financing and securitization (i.e. MBSs and CDOs)
  • Providing real estate credit
  • Consumer lending and financing
  • Providing other nondepository credit intermediation (i.e. pawnshop operations)
  • International trade financing
  • Similar Industries
  • Commercial Banking
  • Savings Banks & Thrifts
  • Credit Unions
  • Industrial Banks
  • Credit Card Issuing
  • Loan Brokers
  • Auto Leasing, Loans & Sales Financing in California
  • Auto Leasing, Loans & Sales Financing in New York
  • Real Estate Loans & Collateralized Debt in New York
  • Auto Leasing, Loans & Sales Financing in Illinois
  • Real Estate Loans & Collateralized Debt in Illinois
  • Auto Leasing, Loans & Sales Financing in Texas
  • Real Estate Loans & Collateralized Debt in Texas
  • Auto Leasing, Loans & Sales Financing in Florida
  • Real Estate Loans & Collateralized Debt in Florida
  • Auto Leasing, Loans & Sales Financing in Massachusetts
  • Real Estate Loans & Collateralized Debt in Massachusetts
  • Auto Leasing, Loans & Sales Financing in Ohio
  • Real Estate Loans & Collateralized Debt in Ohio
  • Auto Leasing, Loans & Sales Financing in Pennsylvania
  • Real Estate Loans & Collateralized Debt in Pennsylvania
  • Auto Leasing, Loans & Sales Financing in New Jersey
  • Real Estate Loans & Collateralized Debt in New Jersey
  • Auto Leasing, Loans & Sales Financing in Georgia
  • Real Estate Loans & Collateralized Debt in Georgia
  • Auto Leasing, Loans & Sales Financing in Michigan
  • Real Estate Loans & Collateralized Debt in Michigan
  • Auto Leasing, Loans & Sales Financing in Wisconsin
  • Real Estate Loans & Collateralized Debt in Wisconsin
  • Auto Leasing, Loans & Sales Financing in Washington
  • Real Estate Loans & Collateralized Debt in Washington
  • Real Estate Loans & Collateralized Debt in Virginia
  • Auto Leasing, Loans & Sales Financing in Tennessee
  • Real Estate Loans & Collateralized Debt in Tennessee
  • Real Estate Loans & Collateralized Debt in Missouri
  • Auto Leasing, Loans & Sales Financing in North Carolina
  • Real Estate Loans & Collateralized Debt in North Carolina
  • Auto Leasing, Loans & Sales Financing in Minnesota
  • Real Estate Loans & Collateralized Debt in Minnesota
  • Auto Leasing, Loans & Sales Financing in Maryland
  • Real Estate Loans & Collateralized Debt in Maryland
  • Auto Leasing, Loans & Sales Financing in Colorado
  • Real Estate Loans & Collateralized Debt in Colorado
  • Table of Contents

    Industry Definition
    Main Activities
    Similar Industries
    Additional Resources
    Industry Statistics Snapshot
    Industry Structure
    Executive Summary
    Executive Summary
    Key External Drivers
  • year conventional mortgage rate
  • Home Price Index in California
  • Homeownership Rate in California
  • Per Capita Disposable Income in California

  • Current Performance
  • Interest rates
  • Housing market characteristics
  • Industry landscape
  • Chart: Revenue Growth

  • Industry Outlook
  • Policy changes
  • Industry landscape
  • Table: Real Estate Loans & Collateralized Debt in California Industry Revenue Outlook

  • Industry Life Cycle
  • Life cycle reasons
  • Chart: Benchmarking - Real Estate Loans & Collateralized Debt in California Industry Lifecycle vs The Economy

  • Supply Chains
    Key Buying Industries
  • Mining
  • Construction
  • Commercial Banking
  • Savings Banks & Thrifts
  • Credit Unions

  • Key Selling Industries
  • Commercial Banking
  • Credit Unions
  • Loan Brokers
  • Savings Banks & Thrifts

  • Products & Services
  • Real estate lending
  • Secondary market financing
  • Other
  • Consumer lending
  • Chart: Real Estate Loans & Collateralized Debt in California Industry Products and Services Segmentation

  • Major Markets
  • Consumers (secured and unsecured loans)
  • Businesses (mortgages and trade financing)
  • Federal agencies
  • Depository institutions
  • Other (foreign central banks)
  • Life insurance companies
  • Chart: Major Market Segmentation for the Real Estate Loans & Collateralized Debt in California Industry

  • Business Locations
    Chart: Business Locations by State
    Market Share Concentration
    Key Success Factors
    Cost Structure Benchmarks
    ProfitWages and depreciationMarketingOther
  • Chart: Cost Structure Benchmarking – Sector vs Real Estate Loans & Collateralized Debt in California

  • Basis of Competition
  • Internal competition
  • External competition

  • Barriers to Entry
  • Table: Barrier to Entry Checklist for the Real Estate Loans & Collateralized Debt in California Industry

  • Federal National Mortgage Association, Federal Home Loan Mortgage Corporation, American Advisors Group, HomeBridge Financial Services Inc.,
  • Table: Federal National Mortgage Association - financial performance
  • Table: Federal Home Loan Mortgage Corporation - financial performance
  • Table: American Advisors Group - financial performance
  • Table: HomeBridge Financial Services Inc. - financial performance

  • Capital Intensity
  • Chart: Level of Capital Intensity for the Real Estate Loans & Collateralized Debt in California Industry
  • Chart: Tools of the Trade: Growth Strategies for Success

  • Technology & Systems
    Revenue Volatility
  • Chart: Volatility vs Industry Growth

  • Regulation & Policy
    Industry Assistance
    Table: Industry Data for the Real Estate Loans & Collateralized Debt in California Industry
    Includes:
  • Industry Revenue (2008-2022)
  • Establishments (2008-2022)
  • Businesses (2008-2022)
  • Employment (2008-2022)
  • Wages (2008-2022)
  • Homeownership Rate in California (2008-2022)

  • Table: Annual Percentage Change for Key Industry Data
    Table: Key Ratios for Industry Key Data
    Collateralized Debt Obligations
  • An investment-grade security backed by a number of bonds, loans and other assets.
  • Mortgage-Backed Securities
  • An asset-backed security or debt obligation that is secured by a mortgage or collection of mortgages.
  • Payday Loan
  • Short term loans that use the borrower's salary as security.
  • Prime Mortgage
  • The highest-quality mortgage loan, given to borrowers that are considered to be the most creditworthy.
  • Subprime Mortgage
  • A mortgage loan that is offered at a rate above prime to those who do not qualify for a prime rate loan.
  • What Our Customers Say

    Why buy this report?

    IBISWorld’s Real Estate Loans & Collateralized Debt in California Industry Research Report offers insight into the market at the national level. Our analysis highlights macro trends in the overall sector and the micro trends faced by companies that do business in the Real Estate Loans & Collateralized Debt in California industry. Our five-year outlook forecasts explain how the market is set to change and the product segments that will drive growth.

    IBISWorld industry market research reports enable you to:
    • Find out about key industry trends
    • Identify threats and opportunities
    • Inform your decisions for marketing, strategy and planning
    • Quickly build competitive intelligence
    This report on Real Estate Loans & Collateralized Debt in California:
    • Provides Market Size information to assist with planning and strategic decisions.
    • Includes the necessary information to perform SWOT, PEST and STEER analysis.
    • Helps you understand market dynamics to give you a deeper understanding of industry competition and the supply chain.
    • Analyses key performance and operational metrics so that you can benchmark against your own business, that of your customers’ businesses, or your competitors’ businesses.
    The Real Estate Loans & Collateralized Debt in California market research report includes:
    • Historical data and analysis for the key drivers of this industry
    • A five-year forecast of the market and noted trends
    • Detailed research and segmentation for the main products and markets
    • An assessment of the competitive landscape and market shares for major companies
    • And of course, much more

    IBISWorld reports on thousands of industries around the world. Our clients rely on our information and data to stay up-to-date on industry trends across all industries. With this IBISWorld Industry Research Report on Real Estate Loans & Collateralized Debt in California, you can expect thoroughly researched, reliable and current information that will help you to make faster, better business decisions.

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