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Shaky ground: Strict regulation and continued deleveraging will limit industry growth



Real Estate Loans & Collateralized Debt in the US

Prior to the subprime mortgage crisis, consumers in the United States funded their spending with credit cards, mortgage financing and home equity loans, causing aggregate household debt to rise over the five years to 2007. Amid heavy debt accumulation, banks and lenders increased their activity, selling mortgages and debt instruments on the secondary market. This strategy helped banks and lenders diversify risk and facilitate lending by using proceeds from mortgage-backed securities (MBSs) and other sales to underwrite new loans.

With lower income from mortgage interest, however, industry revenue is expected to fall over the five years to 2016. Strict regulation, rising interest rates and continued deleveraging will moderate demand, and the industry’s recovery will likely be slow due to the continued uncertainty surrounding GSEs. Consequently, industry revenue is forecast to rise at a relatively subdued annualized rate over the five years to 2021.


The industry comprises nondepository operators that specialize in lending activity. Unlike banks and other traditional lenders, industry participants do not rely on deposits to issue loans. Instead, nondepository operators provide lending services by selling securities, such as bonds, notes and stock or insurance policies, to the public. In addition to direct lending, industry operators also generate income by securitizing and selling mortgages and other loans on the secondary market.

This report covers the scope, size, disposition and growth of the industry including the key sensitivities and success factors. Also included are five year industry forecasts, growth rates and an analysis of the industry key players and their market shares.



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Table Of Contents

Real Estate Loans and Collateralized Debt in the US - Industry Market Research Report

TABLE OF CONTENTS

ABOUT THIS INDUSTRY
Industry Definition
Main Activities
Similar Industries
Additional Resources

INDUSTRY AT A GLANCE

INDUSTRY PERFORMANCE
Executive Summary
Key External Drivers
Current Performance
Industry Outlook
Industry Life Cycle

PRODUCTS and MARKETS
Supply Chain
Products and Services
Demand Determinants
Major Markets
International Trade
Business Locations

COMPETITIVE LANDSCAPE
Market Share Concentration
Key Success Factors
Cost Structure Benchmarks
Basis of Competition
Barriers to Entry
Industry Globalization

MAJOR COMPANIES

OPERATING CONDITIONS
Capital Intensity
Technology and Systems
Revenue Volatility
Regulation and Policy
Industry Assistance

KEY STATISTICS
Industry Data
Annual Change
Key Ratios

JARGON and GLOSSARY



MAJOR COMPANIES

Federal National Mortgage Association

Federal Home Loan Mortgage Corporation

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