Report Code: CMI49271

Published Date: May 2024

Pages: 320+

Category: USA

Report Snapshot

CAGR: 12.1%

Source: CMI

Study Period: 2024-2033
Fastest Growing Market: USA
Largest Market: USA

Major Players

  • Wells Fargo Home Mortgage
  • Quicken Loans (Rocket Mortgage)
  • JPMorgan Chase Home Lending
  • Bank of America Home Loans
  • S. Bank Home Mortgage
  • Others

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Reports Description

As per the current market research conducted by the CMI Team, the US Home Mortgage Market is expected to record a CAGR of 12.1% from 2024 to 2033. In 2024, the market size is projected to reach a valuation of USD 204,490.7 Million. By 2033, the valuation is anticipated to reach USD 571,641.9 Million.

The US home mortgage market encompasses the lending and borrowing activities related to residential real estate financing. It includes a wide range of participants, from traditional banks and credit unions to online lenders and mortgage brokers.

This market facilitates the origination, servicing, and securitization of mortgage loans, enabling individuals and families to purchase homes. Key factors influencing the market include interest rates, housing affordability, government policies, economic conditions, and demographic trends.

The US home mortgage market plays a vital role in the broader housing sector, driving homeownership rates and contributing to the stability of the economy.

US Home Mortgage Market – Significant Growth Factors

The US Home Mortgage Market presents significant growth opportunities due to several factors:

  • Interest Rates: Fluctuations in interest rates significantly impact the demand for mortgages. Low interest rates stimulate refinancing activity and home purchases, while higher rates may deter borrowing, influencing the overall mortgage market dynamics.
  • Housing Market Conditions: Factors such as housing inventory levels, home prices, and regional market trends influence mortgage demand. Strong housing markets with high demand and limited inventory often lead to increased mortgage originations.
  • Economic Conditions: Economic indicators like employment rates, income growth, and consumer confidence play a crucial role in driving mortgage market activity. Favorable economic conditions typically result in higher demand for mortgages as individuals and families feel more confident about making home purchases.
  • Government Policies and Regulations: Government initiatives, incentives, and regulatory changes can significantly impact the mortgage market. Policies aimed at promoting homeownership, enhancing mortgage accessibility, or regulating lending practices shape the lending environment and influence borrower behavior.
  • Technology Adoption: Embracing technological advancements offers opportunities to streamline mortgage processes, enhance customer experience, and improve operational efficiency. Implementing digital mortgage platforms, automation, and data analytics can optimize lending operations and provide competitive advantages in the market.

US Home Mortgage Market – Mergers and Acquisitions

The US Home Mortgage Market has seen several mergers and acquisitions in recent years, with companies seeking to expand their market presence and leverage synergies to improve their product offerings and profitability. Some notable examples of mergers and acquisitions in the US Home Mortgage Market include:

  • In 2023, the average loan amount for purchase loans with points paid at origination was $360,000, while for mortgages without points, it was $370,000. Additionally, borrowers who paid no discount points had a higher average annual income of $148,000 compared to $140,000 for those who paid points.
  • In 2023, Bank of America Corp announced plans to expand its national footprint by adding consumer branches in four new U.S. states: Nebraska, Wisconsin, Alabama, and Louisiana. This expansion, part of a four-year initiative across nine markets, aims to bring its presence closer to rival JPMorgan Chase & Co.

These mergers and acquisitions have helped companies expand their product offerings, improve their market presence, and capitalize on growth opportunities in the US Home Mortgage Market. The trend is expected to continue as companies seek to gain a competitive edge in the market.


US Home Mortgage Market Life Reinsurance Market Gym Equipment Market
CAGR 12.1% (Approx) CAGR 12.7% (Approx) CAGR 4.8% (Approx)
USD 571,641.9 Million by 2033 USD 735.6 Billion by 2033 USD 27,420.9 Million by 2033

US Home Mortgage Market – Significant Threats

The US Home Mortgage Market faces several significant threats that could impact its growth and profitability in the future. Some of these threats include:

  • Economic Downturns: Economic recessions or downturns can lead to job losses, income reduction, and financial instability, increasing the risk of mortgage defaults and foreclosures, thereby threatening the stability of the mortgage market.
  • Interest Rate Fluctuations: Sharp increases in interest rates can reduce affordability, deter homebuyers, and slow down mortgage origination activity, impacting the overall health of the mortgage market and the profitability of lenders.
  • Housing Market Instability: Volatility in housing prices, oversupply, or regional market downturns can lead to declines in property values, increased foreclosure rates, and higher credit losses for mortgage lenders, posing significant threats to the mortgage market stability.
  • Regulatory Changes: Changes in government regulations, lending standards, or compliance requirements can increase operational costs for lenders, restrict mortgage credit availability, and impact borrower eligibility, potentially disrupting the functioning of the mortgage market.
  • Credit Quality Deterioration: A deterioration in borrower credit quality, characterized by increased delinquencies, defaults, or higher-risk lending practices, can lead to higher loan losses, reduced investor confidence in mortgage-backed securities (MBS), and tighter lending standards, posing systemic risks to the mortgage market.

US Home Mortgage Market 2024–2033 (By Loan Purpose)

Category-Wise Insights

By Type of Mortgage:

  • Fixed-Rate Mortgages: Fixed-rate mortgages offer a stable interest rate and monthly payment over the loan term, typically 15 or 30 years. In the US home mortgage market, fixed-rate mortgages have been popular due to their predictability and long-term affordability, especially during periods of low interest rates.
  • Adjustable-Rate Mortgages: Adjustable-rate mortgages feature an interest rate that fluctuates periodically based on market conditions. While offering initial lower rates, they carry risks of payment increases, making them suitable for borrowers expecting short-term homeownership or seeking lower initial payments.
  • Government-insured Mortgages: Government-insured mortgages, including FHA, VA, and USDA loans, are backed by federal agencies. These mortgages provide opportunities for low-to-moderate-income borrowers and veterans to access homeownership with reduced down payment requirements and flexible eligibility criteria, contributing to increased homeownership rates.
  • Jumbo Mortgages: Jumbo mortgages exceed conventional loan limits set by government-sponsored entities (GSEs). These loans are used for higher-priced properties and require larger down payments and higher credit scores. In the US home mortgage market, jumbo mortgages cater to affluent borrowers seeking financing for luxury homes and properties in high-cost areas.

By Borrower Type

  • First-time Homebuyers: First-time homebuyers are individuals purchasing their first primary residence. In the US home mortgage market, trends for this segment include government-backed loan programs like FHA loans and down payment assistance programs. Low down payment options, educational resources, and specialized mortgage products catered to their needs are emerging trends, aiming to facilitate homeownership for this demographic.
  • Repeat Homebuyers: Repeat homebuyers are individuals who have previously owned a home and are purchasing another property. Trends in this segment include refinancing for home upgrades, downsizing, or relocating. Tailored mortgage products such as jumbo loans and cash-out refinancing options cater to the unique needs of repeat homebuyers, who often have more equity and higher credit scores.
  • Investors: Investors are individuals or entities purchasing properties for rental income or investment purposes. In the US home mortgage market, trends for investors include financing options such as portfolio loans, fix-and-flip loans, and rental property loans. With the rise of real estate crowdfunding platforms and alternative lending sources, investors have access to a variety of financing options to support their investment strategies.
  • Self-Employed Borrowers: Self-employed borrowers are individuals who generate income through self-employment or owning a business. In the US home mortgage market, trends for self-employed borrowers include the use of alternative documentation programs, bank statement loans, and non-QM (non-qualified mortgage) products. Lenders are increasingly offering flexible underwriting guidelines to accommodate the unique income verification challenges faced by self-employed individuals.

US Home Mortgage Market 2024–2033 (By Property Type)

By Loan Purpose

  • Purchase Mortgages: Purchase mortgages are loans used by borrowers to finance the acquisition of a home. In the US home mortgage market, purchase mortgages have experienced trends influenced by economic conditions, housing market dynamics, and demographic shifts. Factors such as low interest rates, tight housing inventory, and millennial homebuying trends have driven demand for purchase mortgages, while affordability challenges and regional market variations continue to shape market dynamics.
  • Refinance Mortgages: Refinance mortgages involve replacing an existing mortgage with a new loan, typically to take advantage of lower interest rates, reduce monthly payments, or access home equity. In the US home mortgage market, refinance activity fluctuates in response to changes in interest rates, economic conditions, and borrower motivations. Recent trends have seen surges in refinance activity during periods of historically low interest rates, driving refinancing volume and market activity.
  • Home Equity Loans: Home equity loans allow homeowners to borrow against the equity in their property, using their home as collateral. In the US home mortgage market, trends in home equity loans have been influenced by factors such as home price appreciation, borrower creditworthiness, and consumer spending patterns. Despite fluctuations in home equity lending, recent trends show increased interest in home equity products as homeowners seek to tap into accumulated home equity for various purposes such as home improvements, debt consolidation, or financial emergencies.

By Property Type

  • Single-Family Homes: Single-family homes are detached dwellings designed for a single household. In the US home mortgage market, single-family homes are the most common property type financed through mortgages. Trends include increased demand for suburban single-family homes due to remote work trends and low inventory levels, as well as rising home prices and competition among buyers.
  • Condominiums: Condominiums are individually owned units within a larger residential complex or building. In the US home mortgage market, condominiums are popular among urban dwellers seeking affordability and amenities. Trends include stricter lending standards for condominium financing, fluctuations in condominium inventory levels, and regulatory changes affecting condo financing eligibility and association requirements.
  • Multi-Family Homes: Multi-family homes consist of multiple dwelling units within a single structure, such as duplexes, triplexes, or apartment buildings. In the US home mortgage market, multi-family homes are typically financed through commercial loans or residential investment property loans. Trends include growing investor interest in multi-family properties for rental income, evolving rental market dynamics, and regulatory changes impacting landlord-tenant relationships.
  • Investment Properties: Investment properties are real estate assets purchased to generate rental income or capital appreciation. In the US home mortgage market, investment properties are financed through investment property loans or rental property mortgages. Trends include increased investor activity in residential real estate, particularly in high-demand rental markets, and changes in tax policies affecting investment property ownership and financing options.

Report Scope

Feature of the Report Details
Market Size in 2024 USD 204,490.7 Million
Projected Market Size in 2033 USD 571,641.9 Million
Market Size in 2023 USD 182,418.1 Million
CAGR Growth Rate 12.1% CAGR
Base Year 2023
Forecast Period 2024-2033
Key Segment By Type of Mortgage, Borrower Type, Loan Purpose, Property Type and Region
Report Coverage Revenue Estimation and Forecast, Company Profile, Competitive Landscape, Growth Factors and Recent Trends
Country Scope US
Buying Options Request tailored purchasing options to fulfil your requirements for research.

Competitive Landscape – US Home Mortgage Market

The US Home Mortgage Market is highly competitive, with a large number of manufacturers and retailers operating in the US. Some of the key players in the market include:

  • Wells Fargo Home Mortgage
  • Quicken Loans (Rocket Mortgage)
  • JPMorgan Chase Home Lending
  • Bank of America Home Loans
  • S. Bank Home Mortgage
  • PennyMac Loan Services LLC
  • Caliber Home Loans Inc.
  • LoanDepot
  • Freedom Mortgage Corporation
  • Flagstar Bank Home Lending
  • Guild Mortgage Company
  • Fairway Independent Mortgage Corporation
  • Cooper (Nationstar Mortgage)
  • NewRez LLC (formerly New Residential Investment Corp.)
  • Movement Mortgage LLC
  • Others

These companies operate in the market through various strategies such as product innovation, mergers and acquisitions, and partnerships.

New players in the US home mortgage market have embraced innovation to gain traction. Companies like and Blend Labs offer digital mortgage platforms, streamlining application processes and improving customer experience. Lemonade Insurance Company introduced AI-driven underwriting for home insurance, integrating with mortgage processes.

Meanwhile, key players dominating the market include Wells Fargo Home Mortgage, JPMorgan Chase Home Lending, and Quicken Loans. These established lenders leverage extensive networks, brand recognition, and diverse product offerings to maintain market dominance, often investing in technology to enhance efficiency and customer engagement, reinforcing their positions.

US Home Mortgage Market 2024–2033 (By Million)

The US Home Mortgage Market is segmented as follows:

By Type of Mortgage

  • Fixed-Rate Mortgages (FRMs)
  • Adjustable-Rate Mortgages (ARMs)
  • Government-insured Mortgages (FHA, VA, USDA)
  • Jumbo Mortgages

By Borrower Type

  • First-time Homebuyers
  • Repeat Homebuyers
  • Investors
  • Self-Employed Borrowers

By Loan Purpose

  • Purchase Mortgages
  • Refinance Mortgages
  • Home Equity Loans

By Property Type

  • Single-Family Homes
  • Condominiums
  • Multi-Family Homes
  • Investment Properties

Table of Contents

  • Chapter 1. Preface
    • 1.1 Report Description and Scope
    • 1.2 Research scope
    • 1.3 Research methodology
      • 1.3.1 Market Research Type
      • 1.3.2 Market Research Methodology
  • Chapter 2. Executive Summary
    • 2.1  US Home Mortgage Market, (2024 – 2033) (USD Million)
    • 2.2  US Home Mortgage Market: snapshot
  • Chapter 3.  US Home Mortgage Market – Industry Analysis
    • 3.1 US Home Mortgage Market: Market Dynamics
    • 3.2 Market Drivers
      • 3.2.1 Interest Rates
      • 3.2.2 Housing Market Conditions
      • 3.2.3 Economic Conditions
      • 3.2.4 Government Policies and Regulations
      • 3.2.5 Technology Adoption.
    • 3.3 Market Restraints
    • 3.4 Market Opportunities
    • 3.5 Market Challenges
    • 3.6 Porter’s Five Forces Analysis
    • 3.7 Market Attractiveness Analysis
      • 3.7.1 Market Attractiveness Analysis By Type of Mortgage
      • 3.7.2 Market Attractiveness Analysis By Borrower Type
      • 3.7.3 Market Attractiveness Analysis By Loan Purpose
      • 3.7.4 Market Attractiveness Analysis By Property Type
  • Chapter 4.  US Home Mortgage Market- Competitive Landscape
    • 4.1 Company market share analysis
      • 4.1.1  US Home Mortgage Market: company market share, 2023
    • 4.2 Strategic development
      • 4.2.1 Acquisitions & mergers
      • 4.2.2 New Product launches
      • 4.2.3 Agreements, partnerships, collaboration, and joint ventures
      • 4.2.4 Research and development and Regional expansion
    • 4.3 Price trend analysis
  • Chapter 5.  US Home Mortgage Market – Type of Mortgage Analysis
    • 5.1  US Home Mortgage Market Overview: By Type of Mortgage
      • 5.1.1  US Home Mortgage Market Share, By Type of Mortgage, 2023 and 2033
    • 5.2 Fixed-Rate Mortgages (FRMs)
      • 5.2.1  US Home Mortgage Market by Fixed-Rate Mortgages (FRMs), 2024 – 2033 (USD Million)
    • 5.3 Adjustable-Rate Mortgages (ARMs)
      • 5.3.1  US Home Mortgage Market by Adjustable-Rate Mortgages (ARMs), 2024 – 2033 (USD Million)
    • 5.4 Government-insured Mortgages (FHA, VA, USDA)
      • 5.4.1  US Home Mortgage Market by Government-insured Mortgages (FHA, VA, USDA), 2024 – 2033 (USD Million)
    • 5.5 Jumbo Mortgages
      • 5.5.1  US Home Mortgage Market by Jumbo Mortgages, 2024 – 2033 (USD Million)
  • Chapter 6.  US Home Mortgage Market – Borrower Type Analysis
    • 6.1  US Home Mortgage Market Overview: By Borrower Type
      • 6.1.1  US Home Mortgage Market Share, By Borrower Type, 2023 and 2033
    • 6.2 First-time Homebuyers
      • 6.2.1  US Home Mortgage Market by First-time Homebuyers, 2024 – 2033 (USD Million)
    • 6.3 Repeat Homebuyers
      • 6.3.1  US Home Mortgage Market by Repeat Homebuyers, 2024 – 2033 (USD Million)
    • 6.4 Investors
      • 6.4.1  US Home Mortgage Market by Investors, 2024 – 2033 (USD Million)
    • 6.5 Self-Employed Borrowers
      • 6.5.1  US Home Mortgage Market by Self-Employed Borrowers, 2024 – 2033 (USD Million)
  • Chapter 7.  US Home Mortgage Market – Loan Purpose Analysis
    • 7.1  US Home Mortgage Market Overview: By Loan Purpose
      • 7.1.1  US Home Mortgage Market Share, By Loan Purpose, 2023 and 2033
    • 7.2 Purchase Mortgages
      • 7.2.1  US Home Mortgage Market by Purchase Mortgages, 2024 – 2033 (USD Million)
    • 7.3 Refinance Mortgages
      • 7.3.1  US Home Mortgage Market by Refinance Mortgages, 2024 – 2033 (USD Million)
    • 7.4 Home Equity Loans
      • 7.4.1  US Home Mortgage Market by Home Equity Loans, 2024 – 2033 (USD Million)
  • Chapter 8.  US Home Mortgage Market – Property Type Analysis
    • 8.1  US Home Mortgage Market Overview: By Property Type
      • 8.1.1  US Home Mortgage Market Share, By Property Type, 2023 and 2033
    • 8.2 Single-Family Homes
      • 8.2.1  US Home Mortgage Market by Single-Family Homes, 2024 – 2033 (USD Million)
    • 8.3 Condominiums
      • 8.3.1  US Home Mortgage Market by Condominiums, 2024 – 2033 (USD Million)
    • 8.4 Multi-Family Homes
      • 8.4.1  US Home Mortgage Market by Multi-Family Homes, 2024 – 2033 (USD Million)
    • 8.5 Investment Properties
      • 8.5.1  US Home Mortgage Market by Investment Properties, 2024 – 2033 (USD Million)
  • Chapter 9. US Home Mortgage Market – Regional Analysis
    • 9.1  US Home Mortgage Market Regional Overview
    • 9.2  US Home Mortgage Market Share, by Region, 2023 & 2033 (USD Million)
  • Chapter 10. Company Profiles
    • 10.1 Wells Fargo Home Mortgage
      • 10.1.1 Overview
      • 10.1.2 Financials
      • 10.1.3 Product Portfolio
      • 10.1.4 Business Strategy
      • 10.1.5 Recent Developments
    • 10.2 Quicken Loans (Rocket Mortgage)
      • 10.2.1 Overview
      • 10.2.2 Financials
      • 10.2.3 Product Portfolio
      • 10.2.4 Business Strategy
      • 10.2.5 Recent Developments
    • 10.3 JPMorgan Chase Home Lending
      • 10.3.1 Overview
      • 10.3.2 Financials
      • 10.3.3 Product Portfolio
      • 10.3.4 Business Strategy
      • 10.3.5 Recent Developments
    • 10.4 Bank of America Home Loans
      • 10.4.1 Overview
      • 10.4.2 Financials
      • 10.4.3 Product Portfolio
      • 10.4.4 Business Strategy
      • 10.4.5 Recent Developments
    • 10.5 U.S. Bank Home Mortgage
      • 10.5.1 Overview
      • 10.5.2 Financials
      • 10.5.3 Product Portfolio
      • 10.5.4 Business Strategy
      • 10.5.5 Recent Developments
    • 10.6 PennyMac Loan Services LLC
      • 10.6.1 Overview
      • 10.6.2 Financials
      • 10.6.3 Product Portfolio
      • 10.6.4 Business Strategy
      • 10.6.5 Recent Developments
    • 10.7 Caliber Home Loans Inc.
      • 10.7.1 Overview
      • 10.7.2 Financials
      • 10.7.3 Product Portfolio
      • 10.7.4 Business Strategy
      • 10.7.5 Recent Developments
    • 10.8 LoanDepot
      • 10.8.1 Overview
      • 10.8.2 Financials
      • 10.8.3 Product Portfolio
      • 10.8.4 Business Strategy
      • 10.8.5 Recent Developments
    • 10.9 Freedom Mortgage Corporation
      • 10.9.1 Overview
      • 10.9.2 Financials
      • 10.9.3 Product Portfolio
      • 10.9.4 Business Strategy
      • 10.9.5 Recent Developments
    • 10.10 Flagstar Bank Home Lending
      • 10.10.1 Overview
      • 10.10.2 Financials
      • 10.10.3 Product Portfolio
      • 10.10.4 Business Strategy
      • 10.10.5 Recent Developments
    • 10.11 Guild Mortgage Company
      • 10.11.1 Overview
      • 10.11.2 Financials
      • 10.11.3 Product Portfolio
      • 10.11.4 Business Strategy
      • 10.11.5 Recent Developments
    • 10.12 Fairway Independent Mortgage Corporation
      • 10.12.1 Overview
      • 10.12.2 Financials
      • 10.12.3 Product Portfolio
      • 10.12.4 Business Strategy
      • 10.12.5 Recent Developments
    • 10.13 Mr. Cooper (Nationstar Mortgage)
      • 10.13.1 Overview
      • 10.13.2 Financials
      • 10.13.3 Product Portfolio
      • 10.13.4 Business Strategy
      • 10.13.5 Recent Developments
    • 10.14 NewRez LLC (formerly New Residential Investment Corp.)
      • 10.14.1 Overview
      • 10.14.2 Financials
      • 10.14.3 Product Portfolio
      • 10.14.4 Business Strategy
      • 10.14.5 Recent Developments
    • 10.15 Movement Mortgage LLC
      • 10.15.1 Overview
      • 10.15.2 Financials
      • 10.15.3 Product Portfolio
      • 10.15.4 Business Strategy
      • 10.15.5 Recent Developments
    • 10.16 Others.
      • 10.16.1 Overview
      • 10.16.2 Financials
      • 10.16.3 Product Portfolio
      • 10.16.4 Business Strategy
      • 10.16.5 Recent Developments
List Of Figures

Figures No 1 to 28

List Of Tables

Tables No 1 to 2

Report Methodology

In order to get the most precise estimates and forecasts possible, Custom Market Insights applies a detailed and adaptive research methodology centered on reducing deviations. For segregating and assessing quantitative aspects of the market, the company uses a combination of top-down and bottom-up approaches. Furthermore, data triangulation, which examines the market from three different aspects, is a recurring theme in all of our research reports. The following are critical components of the methodology used in all of our studies:

Preliminary Data Mining

On a broad scale, raw market information is retrieved and compiled. Data is constantly screened to make sure that only substantiated and verified sources are taken into account. Furthermore, data is mined from a plethora of reports in our archive and also a number of reputed & reliable paid databases. To gain a detailed understanding of the business, it is necessary to know the entire product life cycle and to facilitate this, we gather data from different suppliers, distributors, and buyers.

Surveys, technological conferences, and trade magazines are used to identify technical issues and trends. Technical data is also gathered from the standpoint of intellectual property, with a focus on freedom of movement and white space. The dynamics of the industry in terms of drivers, restraints, and valuation trends are also gathered. As a result, the content created contains a diverse range of original data, which is then cross-validated and verified with published sources.

Statistical Model

Simulation models are used to generate our business estimates and forecasts. For each study, a one-of-a-kind model is created. Data gathered for market dynamics, the digital landscape, development services, and valuation patterns are fed into the prototype and analyzed concurrently. These factors are compared, and their effect over the projected timeline is quantified using correlation, regression, and statistical modeling. Market forecasting is accomplished through the use of a combination of economic techniques, technical analysis, industry experience, and domain knowledge.

Short-term forecasting is typically done with econometric models, while long-term forecasting is done with technological market models. These are based on a synthesis of the technological environment, legal frameworks, economic outlook, and business regulations. Bottom-up market evaluation is favored, with crucial regional markets reviewed as distinct entities and data integration to acquire worldwide estimates. This is essential for gaining a thorough knowledge of the industry and ensuring that errors are kept to a minimum.

Some of the variables taken into account for forecasting are as follows:

• Industry drivers and constraints, as well as their current and projected impact

• The raw material case, as well as supply-versus-price trends

• Current volume and projected volume growth through 2033

We allocate weights to these variables and use weighted average analysis to determine the estimated market growth rate.

Primary Validation

This is the final step in our report’s estimating and forecasting process. Extensive primary interviews are carried out, both in-person and over the phone, to validate our findings and the assumptions that led to them.
Leading companies from across the supply chain, including suppliers, technology companies, subject matter experts, and buyers, use techniques like interviewing to ensure a comprehensive and non-biased overview of the business. These interviews are conducted all over the world, with the help of local staff and translators, to overcome language barriers.

Primary interviews not only aid with data validation, but also offer additional important insight into the industry, existing business scenario, and future projections, thereby improving the quality of our reports.

All of our estimates and forecasts are validated through extensive research work with key industry participants (KIPs), which typically include:

• Market leaders

• Suppliers of raw materials

• Suppliers of raw materials

• Buyers.

The following are the primary research objectives:

• To ensure the accuracy and acceptability of our data.

• Gaining an understanding of the current market and future projections.

Data Collection Matrix

Perspective Primary research Secondary research
  • Manufacturers
  • Technology distributors and wholesalers
  • Company reports and publications
  • Government publications
  • Independent investigations
  • Economic and demographic data
  • End-user surveys
  • Consumer surveys
  • Mystery shopping
  • Case studies
  • Reference customers

Market Analysis Matrix

Qualitative analysis Quantitative analysis
  • Industry landscape and trends
  • Market dynamics and key issues
  • Technology landscape
  • Market opportunities
  • Porter’s analysis and PESTEL analysis
  • Competitive landscape and component benchmarking
  • Policy and regulatory scenario
  • Market revenue estimates and forecast up to 2033
  • Market revenue estimates and forecasts up to 2033, by technology
  • Market revenue estimates and forecasts up to 2033, by application
  • Market revenue estimates and forecasts up to 2033, by type
  • Market revenue estimates and forecasts up to 2033, by component
  • Regional market revenue forecasts, by technology
  • Regional market revenue forecasts, by application
  • Regional market revenue forecasts, by type
  • Regional market revenue forecasts, by component

Prominent Player

  • Wells Fargo Home Mortgage
  • Quicken Loans (Rocket Mortgage)
  • JPMorgan Chase Home Lending
  • Bank of America Home Loans
  • S. Bank Home Mortgage
  • PennyMac Loan Services LLC
  • Caliber Home Loans Inc.
  • LoanDepot
  • Freedom Mortgage Corporation
  • Flagstar Bank Home Lending
  • Guild Mortgage Company
  • Fairway Independent Mortgage Corporation
  • Cooper (Nationstar Mortgage)
  • NewRez LLC (formerly New Residential Investment Corp.)
  • Movement Mortgage LLC
  • Others


The key factors driving the Market are Interest Rates, Housing Market Conditions, Economic Conditions, Government Policies and Regulations, Technology Adoption.

The “Fixed-Rate Mortgages (FRMs)” category dominated the market in 2023.

The key players in the market are Wells Fargo Home Mortgage, Quicken Loans (Rocket Mortgage), JPMorgan Chase Home Lending, Bank of America Home Loans, U.S. Bank Home Mortgage, PennyMac Loan Services LLC, Caliber Home Loans Inc., LoanDepot, Freedom Mortgage Corporation, Flagstar Bank Home Lending, Guild Mortgage Company, Fairway Independent Mortgage Corporation, Mr. Cooper (Nationstar Mortgage), NewRez LLC (formerly New Residential Investment Corp.), Movement Mortgage LLC, Others.

The market is projected to grow at a CAGR of 12.1% during the forecast period, 2024-2033.

The US Home Mortgage Market size was valued at USD 204,490.7 Million in 2024.












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