The top 10 lenders in May 2026 reach a total housing loan book of $2.28 trillion

The Australian Prudential Regulation Authority’s (APRA) report on the Monthly Authorised Deposit-Taking Institutions Statistics(ADIs) has been released for May 2026. 

Agile Market Intelligence tracks the monthly loan books and movements across the top 10 ADIs. In May, the growth variance of the major banks has plateaued, while the majority of the mid-tiers have shown massive improvements in growth and loan book expansion. The exceptions to this are Macquarie and BOQ, both of which have dipped and seen shrunken loan books. 

Key stats you need to know

• The top 10 housing ADIs’ loan books reached $2.28 trillion in total for May 2026.
  
  
• CBA contributes around 28% of the total share of the top 10 lenders.
  
  
• Only 8 out of the top 10 lenders experienced positive growth.

Macquarie growth variance slows, while majors’ growth remains 

• Macquarie’s loan book variance ($3.13 billion) expansion exceeds that of the majors, with CBA being the highest at $2.95 billion.
  
  
• Although Macquarie outpaces all other lenders in the top 10, its loan book growth slowed down to 1.77%.
  
  
• Among the majors, ANZ has the highest growth variance at 0.57%, while NAB has the lowest at 0.36%.

CBA maintains the largest loan book expansion at $2.95 billion, and ANZ with the highest growth variance of 0.57% across all the majors. Yet both numbers pale in comparison to Macquarie, with an expansion of $3.13 billion and a growth rate of 1.77%. Compared to last month’s numbers, however, this mid-tier’s growth has slowed down from an initial loan book expansion of $3.52 billion and a growth variance of 2.03% back in April 2026. By contrast, the past few months reveal that the majors’ growth variance has remained steady between the 0.30% and 0.60% range. 

Most mid-tiers show increased growth, while Macquarie and BOQ dipped 

• ING boasts the second-highest growth variance (0.62%) among the mid-tiers, nearly twice the increase from last April (0.35%).
  
  
• BOQ has dipped immensely in the month of May, reaching a growth variance of -1.84%, with a loan book expansion of -$0.97 billion.

Most of the remaining mid-tiers have improved in terms of growth and loan book expansion this month of May, save for Macquarie and BOQ. For instance, ING’s loan book expansion reached $0.45 billion from an initial standpoint of $0.25 billion back in April. Furthermore, its growth variance improved from 0.35% up to 0.62%. Bendigo and Adelaide Bank Limited and HSBC have witnessed similar improvements as well. As for Suncorp, it remains in the negative but less so this month, with growth improving from -0.65% last month to -0.32% today. 

By contrast, Macquarie and BOQ have worsened instead. BOQ witnessed an extremely sharp dip from a growth variance of -0.19%, to -1.84% in May 2026. In addition to that, its loan book shrunk from -$0.10 billion to -$0.79 billion.

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About the research

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