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The latest analysis by Agile Market Intelligence, based on APRA’s monthly ADI statistics for April 2026, tracks movements across the top 10 housing lenders and highlights changes in loan book growth, market share, and lender performance.
The top 10 housing lenders collectively held $2.27 trillion in housing loans in April 2026, with the major banks continuing to account for the vast majority of the market.
Majors continue to dominate market share
The big four banks maintained their dominance of Australia’s housing lending sector, accounting for 80 per cent of the combined loan books held by the top 10 lenders.
Commonwealth Bank remained the largest individual lender, contributing 28 per cent of the total loan book among the top 10 housing ADIs.
Despite their scale, growth rates among the majors remained relatively modest compared to some challenger lenders.
Macquarie leads loan book growth
Macquarie delivered the strongest growth performance among the top 10 lenders, recording a loan book expansion of $3.52 billion during April and a growth rate of 2.03 per cent.
The result exceeded the performance of all four major banks, including Westpac, which posted the largest increase among the majors with loan book growth of $3.40 billion and a growth rate of 0.67 per cent.
ANZ recorded growth of 0.53 per cent, while Commonwealth Bank and NAB reported growth rates of 0.49 per cent and 0.44 per cent, respectively.
Macquarie’s growth rate was approximately four times higher than those achieved by the major banks, despite its overall loan book remaining smaller than the big four.
“Macquarie remains a strong contender against the major banks in terms of growth rate,” Michael Johnson, director at Agile Market Intelligence, said.
“Although its loan book has yet to exceed that of the majors, its expansion rate definitely warrants keeping a close eye on.”
Mid-tier performance remains mixed
Growth outcomes among the remaining lenders were more varied, with some institutions improving on the previous month, while others experienced slower growth or continued contraction.
ING recorded one of the strongest improvements, increasing its growth rate from 0.09 per cent in March to 0.35 per cent in April.
Bank of Queensland also showed signs of recovery. While growth remained negative, its result improved from -0.63 per cent in March to -0.19 per cent in April.
By contrast, Bendigo and Adelaide Bank’s growth rate slowed significantly, declining from 0.82 per cent in March to 0.24 per cent in April.
Suncorp experienced a further deterioration in performance, moving from -0.29 per cent growth in March to -0.65 per cent in April.
HSBC remained unchanged over the period, maintaining a growth rate of 0.03 per cent.
Overall, eight of the top 10 lenders recorded positive growth in April, while two lenders continued to report contraction in their housing loan books.
[Related: Majors dominate commercial broker flows, but non-banks win service war]
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