Top 10 lenders in June 2026 reach a total housing loan book of $2.30 trillion

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

Agile Market Intelligence tracks the monthly loan books and movements across the top 10 ADIs. The growth of most major banks has plateaued, with the exception of ANZ, which saw an uptick in June. The mid-tiers, by contrast, reveal a mixed bag of improvements and declines instead. Macquarie, on the other hand, continues to perform exceptionally, showing the highest growth across the board.

Key stats you need to know

• The top 10 housing ADIs’ loan books reached $2.30 trillion in total for June 2026.
• CBA’s loan book variance surpasses the other lenders at $5 billion.
• The loan book expansions are attributable to growth in the top 10 ADIs’ owner-occupied loans.

Macquarie continues to overtake the majors in loan book growth

• CBA has the highest loan book variance at $5 billion.
• Macquarie has the highest loan book variance among the mid-tiers at $3.39 billion. Its growth also surpasses all the other lenders at 1.88 per cent. 
• BOQ and Suncorp have seen less negative growth in June 2026, at -0.42 per cent and -0.23 per cent, respectively. 

Among the majors, CBA maintains the largest loan book expansion at $5 billion. ANZ’s growth variance saw an uptick in June, landing the highest rate of 0.95 per cent in its cohort. Macquarie is a strong competitor against the majors, however, having the second-highest loan book expansion at $3.39 billion, and growth at 1.88 per cent. 

The growth of the remaining majors remains steady between 0.50 per cent and 0.80 per cent. The mid-tiers, however, are a mixed bag in this area. For instance, Bendigo and Adelaide Bank Limited and HSBC saw a slight downturn in June 2026 at 0.16 per cent and 0.44 per cent, respectively. By contrast, ING’s trajectory continues upwards at 0.76 per cent. Suncorp and BOQ’s growths have improved compared to their performance in earlier months, despite remaining in the negative.

Owner-occupied loans attributable to the expansion of the top 10 lending institutions’ loan books

• CBA maintains the largest owner-occupied and investment loan portfolio across the board at $413 billion and $222 billion, respectively. 
• Macquarie has the largest portfolio among the mid-tier banks at $184 billion. 

For the top 10 lending institutions, the majority of their housing loan books originate from their owner-occupied loans rather than their investment loans. However, CBA and Macquarie stand out for having the largest owner-occupied loan ratios at 65 per cent and 60 per cent, respectively. ING has the largest owner-occupied share in terms of ratio on the list, with 74 per cent belonging to this loan type.

In terms of month-on-month changes, both owner-occupied and investment loans saw slight recoveries in June 2026 compared to the May numbers. This is true for the major banks, and some mid-tiers except for Bendigo and Adelaide Bank Limited, Suncorp, BOQ, and HSBC, which have instead maintained the previous month’s standing. 

About the research

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