Housing loan books total $2.23 trillion for top 10 lenders in January 2026

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

Agile Market Intelligence plots the monthly loan books and movements across the top 10 ADIs. The data reveals that the majors maintain the largest share of the total loan book portfolio. However, banks such as Macquarie and ING are showing faster growth rates compared to the majors. Despite this, the majority of major and mid-tier banks are witnessing slowed growth this month of January. 

Key stats you need to know

• The top 10 housing ADIs’ loan books reached $2.23 trillion in total for January 2026.
  
  
• The big four occupy 79% of the total loan book share.
  
  
• Only 9 out of the top 10 landers have witnessed positive growth as of January.

Macquarie and ING boast faster variance compared to the major banks despite declines

• Macquarie’s loan book variance ($2.74 billion) has expanded more compared to three of the majors.
  
  
• The variance of ING’s loan book ($0.69 billion) exceeds that of ANZ, one of the majors.
  
  
• Macquarie and ING outpace all of the majors in loan book growth variance at 1.66% and 0.97%, respectively.

Macquarie declined in variance percentage at 1.66%, but is still the highest growth rate across the top ten ADIs. In addition, the bank still boasts loan books worth more than three out of four majors, valued at $2.7 billion; the second-highest value across the board. Similarly, ING showed slower growth at 0.97% this January 2026, but still retained a variance percentage higher than the four majors (0.97%). 

3 out of the top 10 ADIs have improved variance rate in January 2026

• CBA boasts the biggest loan book value at $619.2 billion, with the highest growth variance among the majors at 0.45%.
  
  
• ANZ has recovered from a recent decline, with a variance percentage of 0.18%.
  
  
• BOQ is the only bank in the top ten to have a negative growth rate of -0.63%. 

Across the top housing lenders, the majority have declined while others recovered from recent dips from last year. Of the majors, only ANZ has recovered with a growth rate of 0.18%, while the others have slowed in comparison. As for the mid-tier ADIs, only Bendigo and Adelaide Bank Limited (0.05%) and Suncorp (0.58%) have improved and retained a steady pace, respectively.

About the research

The figure in this article was drawn by Agile Market Intelligence from APRA’s monthly ADI statistics to January 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.

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