Home steady: A stabilizing, heavily regulated market will lead to slight growth

The Real Estate Loans and Collateralized Debt industry in New York is composed of nondepository institutions that issue loans secured by some form of an asset. Over the five years to 2017, downstream demand for industry services started depressed and gradually improved alongside the economy. Initially, poor job prospects and a weakened housing market made consumers wary of undertaking more debt. Although housing conditions remained hampered through 2015, consumer demand for student and auto loans helped offset some of the declines in mortgages and real estate credit. By 2016, the landscape for homebuyers in New York was much improved, and the industry experienced moderate growth. Over the five years to 2022, the housing market will begin to stabilize in New York...read more.

Industry Statistics & Market Size
Revenue
$13bn
Annual Growth 12-17
0.8%
Forecast Growth 17-22
Profit
Employment
15,767
Businesses
1,280

Industry Threats & Opportunities

  • Demand for countercyclical services like payday loans and pawnshops helped offset declines in the real estate segment
  • Consumers were reluctant to purchase a new home and take on a mortgage
  • Per capita debt in New York is expected to rise, increasing the pool of industry clients
  • Industry Report - Industry Investment Chapter

    The Real Estate Loans and Collateralized Debt industry operates with a low level of capital intensity. IBISWorld estimates that, in 2017, for every $1.00 spent on wages, the industry allocates $0.03 in capital investment. This figure represents no change from its level in 2012. The industry provides loans to businesses, agencies and individuals by raising funds in the secondary market. Firms are able to perform these functions without relying on significant capital expenditure.Most capital expenditure for the industry is related to computers and technology used to process loans and maintain information. Investments in technology infrastructure, particularly delivering online services, have increased in recent years. Mos...purchase to read more.

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

    IBISWorld identifies 250 Key Success Factors for a business.The most important for the Real Estate Loans & Collateralized Debt in New York 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 Per Capita Debt in New York and Homeownership rate in New York in the Real Estate Loans & Collateralized Debt in New York industry impact industry performance..

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    What's in this report

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

    This 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, 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
  • Real estate lending
  • Secondary market financing
  • Short-term loans and credit lines
  • Personal lending
  • 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
  • Real Estate Loans & Collateralized Debt in California
  • Auto Leasing, Loans & Sales Financing 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
  • Per Capita Debt in New York
  • Homeownership rate in New York
  • Home Price Index in New York
  • year conventional mortgage rate

  • Current Performance
  • The state of consumer debt
  • Operational trends
  • Chart: Revenue Growth

  • Industry Outlook
  • Improved market conditions
  • Government regulation
  • Table: Real Estate Loans & Collateralized Debt in New York Industry Revenue Outlook

  • Industry Life Cycle
  • Life cycle reasons
  • Chart: Benchmarking - Real Estate Loans & Collateralized Debt in New York 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
  • Short-term loans and credit lines
  • Personal lending
  • Other
  • Chart: Real Estate Loans & Collateralized Debt in New York Industry Products and Services Segmentation

  • Major Markets
  • Consumers
  • Businesses
  • Federal agencies
  • Other
  • Depository institutions
  • Chart: Major Market Segmentation for the Real Estate Loans & Collateralized Debt in New York Industry

  • Business Locations
    Chart: Business Locations by State
    Market Share Concentration
    Key Success Factors
    Cost Structure Benchmarks
  • Profit
  • Other expenses
  • Wages and depreciation
  • Chart: Cost Structure Benchmarking – Sector vs Real Estate Loans & Collateralized Debt in New York

  • Basis of Competition
  • Internal competition
  • External competition

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

  • Federal National Mortgage Association, Federal Home Loan Mortgage Corporation, Navient Corporation, Private Export Funding Corp.,
  • Table: Federal National Mortgage Association - financial performance
  • Table: Federal Home Loan Mortgage Corporation - financial performance
  • Table: Navient Corporation - financial performance
  • Table: Private Export Funding Corp. - financial performance

  • Capital Intensity
  • Chart: Level of Capital Intensity for the Real Estate Loans & Collateralized Debt in New York 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 New York Industry
    Includes:
  • Industry Revenue (2008-2022)
  • Establishments (2008-2022)
  • Businesses (2008-2022)
  • Employment (2008-2022)
  • Wages (2008-2022)
  • Per Capita Debt in New York (2008-2022)

  • Table: Annual Percentage Change for Key Industry Data
    Table: Key Ratios for Industry Key Data
    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, 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 industry research report on Real Estate Loans & Collateralized Debt in New York contains five-year forecasts and data analysis that can help you identify and mitigate risks in potential new markets. Position yourself as an expert with internal stakeholders by using our comprehensive industry research to inform your reports, proposals and presentations. Our business information will save you money by helping you make better decisions, faster.

    IBISWorld industry market research reports enable you to:
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    This report on Real Estate Loans & Collateralized Debt in New York:
    • 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 New York 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 New York, you can expect thoroughly researched, reliable and current information that will help you to make faster, better business decisions.

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