| Study Period | 2019 - 2030 |
| Base Year For Estimation | 2024 |
| Market Size (2025) | USD 5.40 Billion |
| Market Size (2030) | USD 6.55 Billion |
| CAGR (2025 - 2030) | 3.92 % |
| Fastest Growing Market | North America |
| Market Concentration | Medium |
Major Players
*Disclaimer: Major Players sorted in no particular order |
Japan Mortgage/Loan Brokers Market Analysis
The Japan Mortgage/Loan Brokers Market size is estimated at USD 5.40 billion in 2025, and is expected to reach USD 6.55 billion by 2030, at a CAGR of 3.92% during the forecast period (2025-2030).
The Japan’s mortgage loan broker market is a dynamic sector. Mortgage loan brokers in Japan have tremendous business opportunities, particularly in assisting first-time homebuyers and those looking to relocate or upgrade their residences.
The mortgage loan industry in Japan is undergoing a digital transformation. Brokers increasingly leverage technology to streamline processes, enhance customer experiences, and offer online mortgage application platforms. Moreover, regulatory changes are influencing the mortgage market.
Initiatives by the government to encourage responsible lending and protect consumer interests have affected the way mortgage loan brokers operate. Staying compliant with evolving regulations is a critical aspect of their business. In addition, the Japanese mortgage loan broker market has adapted to the situation to meet the changing needs of a growing and digitally savvy clientele. Trends such as digital transformation, diverse financing options, regulatory changes, customized solutions, and refinancing opportunities contribute to the market’s growth.
Japan Mortgage/Loan Brokers Market Trends
Consistent level of interest rate and Increasing Real Estate price affecting Japan's Mortgage/Loan Broker Market.
Bank of Japan's Basic loan rate is at 0.3% over the years. An increase in real investment and a rise in asset price resulted in an accumulation of private debt and active investment with an increase in asset price. Almost half of the increase in total credit for the past decade is observed with increased housing and real estate loans.
Real estate property acquisition by domestic investors had observed an increase with a decline in foreign investor acquisition during covid other than a trend of continuous increase in foreign investor acquisition of real estate property. In Japan, real estate loans by major banks have kept rising for real estate investment funds such as Kanto, Chubu, Kinki, etc.
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Borrower type in Loan industry affecting Japan Mortgage /Loan Broker Market
SMEs often require financing for business expansion, working capital, or investment in equipment. The performance of the SME sector, government policies supporting small businesses, and access to alternative funding sources can impact the demand for business loans and the role of loan brokers in facilitating such transactions.
Large corporations may seek financing for mergers and acquisitions, capital projects, or restructuring efforts. The lending landscape for large corporations is influenced by economic conditions, market trends, and regulatory changes, which can affect the volume and complexity of corporate loans mediated by brokers.
The real house price index in Japan has observed continuous growth, creating an increase in mortgage value for a home loan and a small property sufficient amount of loan can be taken with the surge in mortgage price of the house. When borrowing is considered, real estate is at the top of the mortgage industry.
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Japan Mortgage/Loan Brokers Industry Overview
The outstanding amount of housing loans granted by private lending institutions had observed continuous growth as compared to Public financial institutions with an outstanding value of 1.43 trillion USD during last year for public financial institutions and 0.16 trillion USD for public financial institutions, leading to an effective role been played by a private financial institution for mortgage loans. Japan Housing Finance Agency is acting as a leading public housing loan lender. A few of the major banks in Japan offering mortgage loans are UOB (United Overseas Bank), Bank of China, Orix, OCBC (Overseas-Chinese Banking Corporation, Limited) etc.
Japan Mortgage/Loan Brokers Market Leaders
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United Overseas Bank
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Orix
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Overseas-Chinese Banking Corporation, Limited
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SBI Shinsei Bank
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SMBC
- *Disclaimer: Major Players sorted in no particular order
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Japan Mortgage/Loan Brokers Market News
- In March 2024, Leading Japanese online stocks broker Matsui Stocks Co., Ltd. established a partnership with global fintech firm Broadridge Financial Solutions, Inc. to boost its stock lending business via Broadridge's cloud-based SaaS post-trade processing technology.
- In July 2023, Mitsubishi UFJ Financial Group and Morgan Stanley expanded their 15-year-old partnership. At their joint brokerage operations, the Japanese and American institutions have decided to work together more closely on forex trading, as well as on researching and selling Japanese stocks to institutional investors.
Japan Mortgage/Loan Brokers Industry Segmentation
A mortgage refers to any loan that pledges a piece of real estate as collateral, which could be associated with buildings or portions of land. In recent years with a low-level rate of interest existing in japan and continuously increasing real estate prices, many people are considering taking a loan through their properties. These mortgage loans consider up to 90% of the assessed value of home equity by a financial institution, with repayment ranging from 25%-30% of one's yearly income.
Japan's mortgage/loan brokers market is segmented by type of mortgage loan, mortgage loan terms, interest rate, and provider. By type, the market is sub-segmented into conventional mortgage loans, jumbo loans, government-insured mortgage loans, and other types of mortgage loans. By mortgage loan terms, the market is sub-segmented into 30-year mortgage, 20-year mortgage, 15-year mortgage, and other mortgage loan terms. By interest rate, the market is sub-segmented into fixed-rate mortgage loans and adjustable-rate mortgage loans. By provider, the market is sub-segmented into primary mortgage lenders and secondary mortgage lenders. The report offers market size and forecasts for Japan's mortgage/loan brokers market in value (USD) for all the above segments.
| By Type of Mortgage Loan | Conventional Mortgage Loan |
| Jumbo Loans | |
| Government-insured Mortgage Loans | |
| Other Types of Mortgage Loan | |
| By Mortgage Loan terms | 30- years Mortgage |
| 20-year Mortgage | |
| 15-year Mortgage | |
| Other Mortgage Loan Terms | |
| By Interest Rate | Fixed-Rate |
| Adjustable-Rate | |
| By Provider | Primary Mortgage Lender |
| Secondary Mortgage Lender |
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Japan Mortgage/Loan Brokers Market Research Faqs
How big is the Japan Mortgage/Loan Brokers Market?
The Japan Mortgage/Loan Brokers Market size is expected to reach USD 5.40 billion in 2025 and grow at a CAGR of 3.92% to reach USD 6.55 billion by 2030.
What is the current Japan Mortgage/Loan Brokers Market size?
In 2025, the Japan Mortgage/Loan Brokers Market size is expected to reach USD 5.40 billion.
Who are the key players in Japan Mortgage/Loan Brokers Market?
United Overseas Bank, Orix, Overseas-Chinese Banking Corporation, Limited, SBI Shinsei Bank and SMBC are the major companies operating in the Japan Mortgage/Loan Brokers Market.
Which is the fastest growing region in Japan Mortgage/Loan Brokers Market?
North America is estimated to grow at the highest CAGR over the forecast period (2025-2030).
What years does this Japan Mortgage/Loan Brokers Market cover, and what was the market size in 2024?
In 2024, the Japan Mortgage/Loan Brokers Market size was estimated at USD 5.19 billion. The report covers the Japan Mortgage/Loan Brokers Market historical market size for years: 2019, 2020, 2021, 2022, 2023 and 2024. The report also forecasts the Japan Mortgage/Loan Brokers Market size for years: 2025, 2026, 2027, 2028, 2029 and 2030.
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Japan Mortgage/Loan Brokers Industry Report
Statistics for the 2025 Japan Mortgage/Loan Brokers market share, size and revenue growth rate, created by Mordor Intelligence™ Industry Reports. Japan Mortgage/Loan Brokers analysis includes a market forecast outlook for 2025 to 2030 and historical overview. Get a sample of this industry analysis as a free report PDF download.
