Housing loan books total $2.24 trillion for top 10 lenders in February 2026

The Australian Prudential Regulation Authority’s (APRA) report tracking the top Authorised Deposit-Taking Institutions (ADIs) has been released for February 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, with CBA taking the lead. Despite the total housing loan books exceeding that of last month, the growth rates of many banks slowed considerably compared to their performances last month.

Key stats you need to know

• The top 10 housing ADIs’ loan books reached $2.24 trillion in total for February 2026.
  
  
• The big four occupy 79% of the total loan book share, with CBA contributing 27% to the total share.
  
  
• Only 8 out of the top 10 landers have witnessed positive growth as of January.

Macquarie’s and ING’s growth rates top across the board, but have slowed compared to January 2026

• Macquarie’s loan book expansion ($2.69 billion) exceeds that of the majors.
  
  
• Macquarie and ING outpace all of the majors in loan book growth at 1.60% and 0.59%, respectively.

Macquarie maintains the highest growth rate at 1.60% despite its decline back in January 2026. Its growth rate has slowed down slightly compared to its performance last month (1.66%). Furthermore, the loan book expansion of this bank surpasses the majors at $2.69 billion. ING’s growth also exceeds the majors at 0.59%, but has the sixth largest loan book expansion at $0.43 billion. Similarly, its growth rate has dropped from 0.97% last January 2026.

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Most majors growth has slowed, while some mid-tiers begin to dip

• CBA boasts the biggest loan book valued at $621.4 billion, and contributes 27% to the total monthly housing loan book.
  
  
• Westpac has the fastest growth at 0.37%, and the second-highest loan book expansion at $1.88 billion. This is slower than its growth last month, which was placed at 0.42% in January 2026.
  
  
• Only two banks in the top 10 ADIs have negative growth, namely BOQ (-1.00%) and HSBC (-0.16%).

The major banks have maintained steady growth for the month of February, maintaining within the 0.20% to 0.35% range. This range is slower compared to last month, however, with a range that was between 0.31% to 0.45%. CBA continues to contribute the largest loan book share valued at $621.4 billion. 

Other mid-tier banks maintaining similar positive growths are Bendigo and Adelaide Bank Limited (0.18%) and Suncorp (0.15%). By contrast, the two banks that shrank in the top 10 ADIs are BOQ and HSBC, with growths of -1.00% and -0.16%, respectively. 

In this case, Bendigo and Adelaide Bank (0.18%) and ANZ (0.18%) are the only banks whose growth rates have exceeded their performances from last January. 

About the research

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