The top 10 lenders saw slower growth in July 2026

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

Agile Market Intelligence tracks the monthly loan books and movements across the top 10 ADIs. Macquarie continued to perform exceptionally, recording the highest growth of the group, although growth across all lenders has trended down over the past year. The broader slowdown may reflect the three Reserve Bank of Australia (RBA) rate hikes in 2026 and the announcement of upcoming tax reforms. 

Key stats you need to know

• The top 10 housing ADIs’ loan books totalled more than  $2.30 trillion as of July 2026.
• Macquarie’s loan book variance led the group at $2.22 billion.
• Variance growth slowed across all of the top 10 lenders in July. 

Macquarie maintains the highest growth rate and loan book variance

• Despite declining to its slowest growth rate of the year at 1.21 per cent, Macquarie still maintains the highest growth across the board in July 2026. 
• Similarly, Macquarie also recorded the highest loan book variance among the top 10, at $2.22 billion. 
• The rest of the mid-tier lenders declined, led by  BOQ, whose growth rate fell to  -0.87 per cent and a loan book variance to -$0.44 billion.

Macquarie led the top 10 on both growth rate (1.21 per cent) and loan book variance ($2.22 billion) in July, despite recording its slowest growth of 2026 so far. 

The rest of the mid-tier banks in the top 10 have also seen slowed growth in July, with loan books shrinking compared with June. Growth rates fell to -0.05 per cent at Bendigo and Adelaide Bank Limited, -0.49 per cent at Suncorp, -0.56 per cent at HSBC, and -0.87 per cent at BOQ. 

“Last July marks one of the few months this year where the growth of all lenders slowed simultaneously,” said Michael Johnson, Director at Agile Market Intelligence. “This phenomenon could be a result of the multiple RBA rate hikes in the first half of the year, alongside the announcement of new tax reforms which impacts negative gearing and the replacement of the Capital Gains Tax discount.”

The major banks have also seen declines in growth rate and loan book variance

• Out of the majors, CBA maintains the largest total loan book at $637.5 billion, having added $1.96 billion to its portfolio in July 2026. 
• Despite slowed growths, both CBA and ANZ are tied with the fastest growth rates among the majors at 0.31 per cent.

CBA retained the largest loan book at $637.5 billion, adding  $1.96 billion in July. Despite slower growth, CBA still recorded one of the fastest rates among the majors at 0.31 per cent, tied with ANZ. ANZ added the second-largest amount to its portfolio at $1.04 billion. Westpac was third, adding $0.34 billion at a growth rate of 0.07 per cent.

NAB was the only major bank to record a negative growth, at -0.01 per cent. Its total loan book was $0.05 billion smaller than the previous month, the only major bank to see its loan book contract in July. 

About the research

The figures in this article were compiled by Agile Market Intelligence from APRA’s Monthly ADI Statistics to July 2026. The dataset covers total housing loans across Authorised Deposit-Taking Institutions (ADIs). For this analysis, Agile plotted publicly available data to track movements in loan books and market share and identify the top 10 lenders.

Agile Market Intelligence also conducts Broker Pulse, a monthly survey of residential and commercial brokers about their experiences with 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.