Real Estate Loans & Collateralized Debt in California - Industry Market Research Report

  • ID: 4578238
  • Report
  • Region: California
  • 30 pages
  • IBISWorld
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Nest egg: Rising disposable income will increase demand for and revenue from real estate loans

Real Estate Loans & Collateralized Debt in California

The Real Estate, Loans and Collateralized Debt industry in California is one of the largest state segments of the national industry, in terms of revenue. Over the five years to 2017, the industry has exhibited modest growth as the state's various real estate markets have slowly recovered from the subprime mortgage crisis. Although surging home prices in the Golden State have kept many households from purchasing properties, high-income Californians have largely made up the slack, contributing to growth in the total number of mortgages originated for residential properties. Meanwhile, the Federal Reserve has started to increase the federal funds rate to prerecessionary levels as the national economy has grown. Operators earn interest income on their loans, so growth in interest rates has enabled them to accrue more revenue. The Real Estate, Loans and Collateralized Debt industry in California is projected to strengthen over the five years to 2022, anchored by growing demand for real estate loans. For example, per capita disposable income in California is projected to grow more rapidly compared with the previous five-year period, enabling households to better afford purchases of real estate. Additionally, the Federal Reserve is projected to continue raising the federal funds rate to offset rising inflation, enabling operators to garner higher interest spreads on their loans.

The industry comprises nondepository operators that specialize in lending activity in California. Unlike banks and other traditional lenders, operators 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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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 & MARKETS
Supply Chain
Products & 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 & Systems
Revenue Volatility
Regulation & Policy
Industry Assistance

KEY STATISTICS
Industry Data
Annual Change
Key Ratios

JARGON & GLOSSARY
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  • Federal National Mortgage Association
  • Federal Home Loan Mortgage Corporation
  • American Advisors Group
  • HomeBridge Financial Services Inc.
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