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Retail Lending in the United States

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    Report

  • 55 Pages
  • July 2024
  • Region: United States
  • MarketLine
  • ID: 5995727
Description Jump to:
Retail Lending in the United States industry profile provides top-line qualitative and quantitative summary information including: market share, market size (value and volume 2018-23, and forecast to 2028). The profile also contains descriptions of the leading players including key financial metrics and analysis of competitive pressures within the market.

Key Highlights

  • Retail lending market covers mortgage and consumer credit. The market value reflects residential mortgage and personal loan balances outstanding at the end of the year.
  • The US retail lending market had total balances outstanding of $15.25 trillion in 2023, representing a compound annual growth rate (CAGR) of 5.1% between 2018 and 2023.
  • The mortgage credit segment accounted for the market's largest proportion in 2023, with total balances outstanding of $12.84 trillion, equivalent to 84.2% of the market's overall value.
  • The US market accounted for 34.8% of the global market’s value in 2023.

Scope

  • Save time carrying out entry-level research by identifying the size, growth, major segments, and leading players in the retail lending market in the United States
  • Use the Five Forces analysis to determine the competitive intensity and therefore attractiveness of the retail lending market in the United States
  • Leading company profiles reveal details of key retail lending market players’ global operations and financial performance
  • Add weight to presentations and pitches by understanding the future growth prospects of the United States retail lending market with five year forecasts by both value and volume

Reasons to Buy

  • What was the size of the United States retail lending market by value in 2023?
  • What will be the size of the United States retail lending market in 2028?
  • What factors are affecting the strength of competition in the United States retail lending market?
  • How has the market performed over the last five years?
  • Who are the top competitors in the United States's retail lending market?

Table of Contents

1 Executive Summary
1.1. Market value
1.2. Market value forecast
1.3. Category segmentation
1.4. Geography segmentation
1.5. Market rivalry
1.6. Competitive landscape
2 Market Overview
2.1. Market definition
2.2. Market analysis
3 Market Data
3.1. Market value
4 Market Segmentation
4.1. Category segmentation
4.2. Geography segmentation
5 Market Outlook
5.1. Market value forecast
6 Five Forces Analysis
6.1. Summary
6.2. Buyer power
6.3. Supplier power
6.4. New entrants
6.5. Threat of substitutes
6.6. Degree of rivalry
7 Competitive Landscape
7.1. Who are the key market players?
7.2. What strategies do the key market players follow?
7.3. What is the recent development in the market?
8 Company Profiles
8.1. JPMorgan Chase & Co.
8.2. Bank of America Corp
8.3. Morgan Stanley
8.4. Wells Fargo & Company
9 Macroeconomic Indicators
9.1. Country data
10 Appendix
10.1. Methodology
10.2. Industry associations
10.3. Related research
10.4. About the Publisher
List of Tables
Table 1: United States retail lending market value: $ billion, 2018-23
Table 2: United States retail lending market category segmentation: % share, by value, 2018-2023
Table 3: United States retail lending market category segmentation: $ billion, 2018-2023
Table 4: United States retail lending market geography segmentation: $ billion, 2023
Table 5: United States retail lending market value forecast: $ billion, 2023-28
Table 6: JPMorgan Chase & Co.: key facts
Table 7: JPMorgan Chase & Co.: Annual Financial Ratios
Table 8: JPMorgan Chase & Co.: Key Employees
Table 9: JPMorgan Chase & Co.: Key Employees Continued
Table 10: JPMorgan Chase & Co.: Key Employees Continued
Table 11: Bank of America Corp: key facts
Table 12: Bank of America Corp: Annual Financial Ratios
Table 13: Bank of America Corp: Key Employees
Table 14: Bank of America Corp: Key Employees Continued
Table 15: Morgan Stanley: key facts
Table 16: Morgan Stanley: Annual Financial Ratios
Table 17: Morgan Stanley: Key Employees
Table 18: Morgan Stanley: Key Employees Continued
Table 19: Wells Fargo & Company: key facts
Table 20: Wells Fargo & Company: Annual Financial Ratios
Table 21: Wells Fargo & Company: Key Employees
Table 22: Wells Fargo & Company: Key Employees Continued
Table 23: Wells Fargo & Company: Key Employees Continued
Table 24: Wells Fargo & Company: Key Employees Continued
Table 25: United States size of population (million), 2019-23
Table 26: United States real gdp (constant 2010 prices, $ billion), 2019-23
Table 27: United States gdp (current prices, $ billion), 2019-23
Table 28: United States inflation, 2019-23
Table 29: United States consumer price index (absolute), 2019-23
Table 30: United States exchange rate, 2018-23
List of Figures
Figure 1: United States retail lending market value: $ billion, 2018-23
Figure 2: United States retail lending market category segmentation: $ billion, 2018-2023
Figure 3: United States retail lending market geography segmentation: % share, by value, 2023
Figure 4: United States retail lending market value forecast: $ billion, 2023-28
Figure 5: Forces driving competition in the retail lending market in the United States, 2023
Figure 6: Drivers of buyer power in the retail lending market in the United States, 2023
Figure 7: Drivers of supplier power in the retail lending market in the United States, 2023
Figure 8: Factors influencing the likelihood of new entrants in the retail lending market in the United States, 2023
Figure 9: Factors influencing the threat of substitutes in the retail lending market in the United States, 2023
Figure 10: Drivers of degree of rivalry in the retail lending market in the United States, 2023

Companies Mentioned (Partial List)

A selection of companies mentioned in this report includes, but is not limited to:

  • JPMorgan Chase & Co.
  • Bank of America Corp
  • Morgan Stanley
  • Wells Fargo & Company

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About the Retail Lending Market

Retail lending is a type of banking activity that involves providing loans to individuals and businesses for personal, family, or household purposes. It is a key component of the banking industry, as it allows banks to generate income from interest payments on loans. Retail lending products include mortgages, auto loans, personal loans, and credit cards. Banks typically assess the creditworthiness of borrowers before approving a loan, and may also require collateral to secure the loan. Retail lending is a competitive market, with banks competing for customers by offering attractive interest rates and loan terms. Banks also use technology to streamline the loan application process and provide customers with a more convenient experience. Additionally, banks may offer additional services such as financial advice and budgeting tools to help customers manage their finances. Some companies in the retail lending market include Bank of America, Wells Fargo, JPMorgan Chase, Citibank, and US Bank. Show Less Read more

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