Housing loan books reach $2.27 trillion for top 10 lenders in April 2026

The Australian Prudential Regulation Authority’s (APRA) report tracking the top Authorised Deposit-Taking Institutions (ADIs) has been released for April 2026. 

Agile Market Intelligence plots the monthly loan books and movements across the top 10 ADIs.  Macquarie takes the lead in terms of growth rate, having exceeded that of the major banks. In other news, the performance of the other mid-tier lenders are a mixed-bag of both improvements and declines.

Key stats you need to know

• The top 10 housing ADIs’ loan books reached $2.27 trillion in total for April 2026.
  
  
• The big four occupy 80% of the total loan book share, with CBA contributing 28% to the total share of the top 10 lenders.
  
  
• Only 8 out of the top 10 lenders have witnessed positive growth.

Macquarie growth rate nearly quadruples that of the major banks

• Macquarie’s loan book variance ($3.52 billion) expansion exceeds that of the majors, with Westpac being the highest at $3.40 billion. 

• Macquarie outpaces loan book growth variance at 2.03%.

While Westpac maintains the highest loan book expansion and variance rate, both pale in comparison to Macquarie’s numbers. Westpac’s expansion and growth rate are at $3.40 billion and 0.67%, respectively. Macquarie exceeds both with an expansion of $3.52 billion and rate of 2.03%. Growth rates for ANZ (0.53%), CBA (0.49%) and NAB (0.44%), are roughly just a quarter of Macquarie’s.

“Macquarie remains a strong contender against the major banks in terms of growth rate,” said Michael Johnson, Director at Agile Market Intelligence.

“Although its loan book has yet to exceed that of the majors, its expansion rate definitely warrants keeping a close eye on.”

While some mid-tiers dip, ING has shown improved growths 

• ING boasts the second-highest growth variance (0.35%) among the mid-tiers, a sharp increase from last March (0.09%).
  
  
• BOQ has seen less negative growth in April 2026, having improved up to -0.19% from -0.63% last March 2026.
  
  
• The growths of Bendigo and Adelaide Bank Limited and Suncorp have decreased from the previous month, now landing at 0.24% and -0.65%, respectively.

The performance of the rest of the mid-tiers in the top 10 lenders are mixed in terms of growth rate. For instance, only ING (0.09%) and BOQ (-0.63%) improved their variance rates compared to last month, landing at 0.35% for ING and -0.19% for BOQ this April.  

By contrast, Bendigo and Adelaide Bank Limited and Suncorp’s growth rates have worsened between the two months. Initially, their rates in March were 0.82% and -0.29%, respectively. For April, however, their scores decreased to 0.24% for Bendigo and Adelaide Bank Limited, and -0.65% for Suncorp. HSBC’s growth rate has neither improved nor worsened thus far, staying the same at 0.03%.

‍

About the research

The figure in this article was drawn by Agile Market Intelligence from APRA’s monthly ADI statistics to April 2026. The dataset covers total housing loans across Authorised Deposit-Taking Institutions (ADIs). For this analysis, Agile plotted publicly available data to show movements in loan books and market share to identify the top 10 business lenders.

Agile Market Intelligence also conducts Broker Pulse, a monthly survey of residential and commercial mortgage lenders. It is a community-driven knowledge base of lender performance that offers transparency to the market by surfacing these collective insights from the broker community. This empowers brokers to make informed decisions and enables lenders to benchmark and improve performance.

‍