Real Estate Loans & Collateralized Debt in New York
The Real Estate Loans and Collateralized Debt industry in New York is composed of nondepository institutions that issue loans secured by some form of an asset. Over the five years to 2017, downstream demand for industry services started depressed and gradually improved alongside the economy. Initially, poor job prospects and a weakened housing market made consumers wary of undertaking more debt. Although housing conditions remained hampered through 2015, consumer demand for student and auto loans helped offset some of the declines in mortgages and real estate credit. By 2016, the landscape for homebuyers in New York was much improved, and the industry experienced moderate growth. Over the five years to 2022, the housing market will begin to stabilize in New York. Home prices will rise evenly throughout the period as homeownership begins to rise. Operators will continue to be plagued with a higher regulatory burden unless key postrecessionary financial regulations are rescinded.
This 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, 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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