Overview

Shaky ground: Strict regulation and continued deleveraging will limit industry growth

IBISWorld’s Real Estate Loans & Collateralized Debt market research report offers insightful industry analysis and research into the market at the national level. IBISWorld’s in-depth industry market research is presented in a logical and consistent format. The industry report contains key industry statistics, market size, industry trends, and growth and profit forecasts for a 5-year outlook period.

REPORT SNAPSHOT

Industry Threats & Opportunities

  • Strict regulation, rising interest rates and deleveraging will moderate demand and limit industry growth
  • Higher barriers to entry and heavy regulation have contributed to further industry consolidation
  • House prices will stabilize, modestly driving up lending activity

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    Industry Analysis & Industry Trends

    Prior to the subprime mortgage crisis, consumers in the United States funded their spending with credit cards, mortgage financing and home equity loans, causing aggregate household debt to rise over the five years to 2007. Amid heavy debt accumulation, banks and lenders increased their activity, which helped banks and lenders diversify risk and facilitate lending. Nevertheless, as the subprime mortgage crisis developed and defaults rose as a result of mounting interest rates, demand collapsed for mortgages and other debt securities on the secondary market. With lower income from mortgage interest, however, industry revenue is expected to fall over the five years to 2016, despite an improving economic landscape...

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    Industry Report - Industry Key Buyers Chapter

    Market share concentration within the Real Estate Loans and Collateralized Debt industry is moderate, with the top four companies accounting for about 53.0% of total industry revenue in 2016. However, the level of concentration within the industry has fallen in recent years.

    Concentration varies significantly among industry segments. For example, the secondary mortgage market has a high level of concentration, particularly since the housing boom. During the housing boom, larger operators acquired smaller companies to attain economies of scale and secure a source of mortgages for securitization. The..

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    Additional Insights for the Real Estate Loans & Collateralized Debt Industry

    IBISWorld identifies 250 Key Success Factors for a business.The most important for the Real Estate Loans & Collateralized Debt 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 Aggregate household debt and Homeownership rate in the Real Estate Loans & Collateralized Debt industry impact industry performance..

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    Industry Products

    What is the Real Estate Loans & Collateralized Debt Industry?

    The industry comprises nondepository operators that specialize in lending activity. Unlike banks and other traditional lenders, industry participants 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
    Secondary market financing
    Real estate lending
    Consumer lending
    Short-term loans and credit lines
    International trade 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

    Table of Contents

    About this Industry
    Industry Definition
    Main Activities
    Similar Industries
    Additional Resources
    Industry at a Glance
    Industry Statistics Snapshot
    Industry Structure
    Executive Summary
    Industry Performance
    Executive Summary
    Key External Drivers
  • Aggregate household debt
  • Homeownership rate
  • House price index
  • year conventional mortgage rate

  • Current Performance
  • Mortgage crisis
  • Industry consolidation
  • Profit volatility
  • Chart: Revenue Growth

  • Industry Outlook
  • Industry pressures mount
  • Heightened government regulation
  • Table: Real Estate Loans & Collateralized Debt Industry Revenue Outlook

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

  • Products & Markets
    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
  • Short-term loans and credit lines
  • Consumer lending
  • International trade financing
  • Chart: Real Estate Loans & Collateralized Debt Industry Products and Services Segmentation

  • Demand Determinants
    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 Industry

  • International Trade
    Business Locations
    Chart: Business Locations by State
    Competitive Landscape
    Market Share Concentration
    Key Success Factors
    Cost Structure Benchmarks
  • Profit
  • Interest expenses and provisions for credit losses
  • Wages and depreciation
  • Marketing
  • Other
  • Chart: Cost Structure Benchmarking – Sector vs Real Estate Loans & Collateralized Debt

  • Basis of Competition
  • Internal competition
  • External competition

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

  • Industry Globalization
    Major Companies
    Federal National Mortgage AssociationFederal Home Loan Mortgage Corporation
  • Table: Federal National Mortgage Association - financial performance
  • Table: Federal Home Loan Mortgage Corporation - financial performance

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

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

  • Regulation & Policy
    Industry Assistance
    Key Statistics
    Table: Industry Data for the Real Estate Loans & Collateralized Debt Industry
    Includes:
  • Industry Revenue (2007-2021)
  • Industry Gross Product (2007-2021)
  • Establishments (2007-2021)
  • Businesses (2007-2021)
  • Employment (2007-2021)
  • Wages (2007-2021)
  • Homeownership rate (2007-2021)

  • Table: Annual Percentage Change for Key Industry Data
    Table: Key Ratios for Industry Key Data
    Table: Industry Financial Ratios
    Jargon & Glossary
    Adjustable-Rate Mortgages (Arms)
  • A type of mortgage in which the interest rate that is paid on the outstanding balance is variable.
  • 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 that is given to borrowers that are considered to be the most credit-worthy.
  • Subprime Mortgage
  • A mortgage loan that is offered at a rate above prime to those who do not qualify for a prime rate loan.
  • Why buy this report?

    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:
    • 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 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, you can expect thoroughly researched, reliable and current information that will help you to make faster, better business decisions.

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