Shafiq Hirani CCIMReal Estate Advisor, REMAX Distinctive · Real Estate Advisor at RE/MAX Distinctive Commercial | Washington, DC | Your Guide To Profitable Real Estate Ventures

Mortgage Lending Surges: Capital Flows & Top Lenders Revealed #shorts

22 Aug 2026 · 1 min

Watch on YouTube

1:20

In this YouTube short, the speaker cites the Mortgage Bankers Association’s 2025 report showing that approximately 2,530 lenders originated $381.8 billion in new multifamily (5‑unit or larger) mortgages—a 32 % year‑over‑year increase. The surge is attributed to greater rate stability and clearer pricing expectations, which encouraged lenders to re‑engage. The speaker highlights that government‑sponsored enterprises (Fannie Mae and Freddie Mac) captured 40 % of the total dollar volume, and the top five lenders by volume were JPMorgan Chase, Wells Fargo, Walker & Dunlop, Berkadia, and CBRE. Emphasizing that the reported growth reflects dollar volume rather than deal count, the speaker explains that a few large institutional transactions (e.g., $200 million deals) can outweigh thousands of smaller deals, meaning a single 12‑unit building did not drive the 32 % rise. The overall message is that capital is flowing back into the multifamily market, driven primarily by large institutional players once rates stabilized.

Chapters

The Mortgage Bankers Association reported that in 2025, roughly 2,530 different lenders originated $381.8 billion in new mortgages for apartment properties with 5 or more units. That is a 32% increase over the prior year. Their research lead credited greater rate stability and clearer pricing expectations for bringing borrowers and lenders back to the market. So capital is flowing. That is real. But look at where it went. Fannie Mae and Freddie Mac together took 40% of total dollar volume, and the top 5 lenders were JPMorgan Chase, Wells Fargo, Walker& Dunlop, Berkadia, and CBRE. Here's the honest read. That is a dollar volume figure. Not a deal count. When a single institutional transaction can be $200 million, a handful of large deals move that number more than 1,000 small ones. Your 12-unit building didn't push lending up 32%. That does not make the report useless. It tells you something valuable. Lenders re-engaged when rates stabilized.