APRA's release of its June Monthly Authorised Deposit-taking Institution Statistics reveals the market share shifts in the home loan market.
Overall, the big five banks - CommBank, Westpac, NAB, ANZ and Macquarie held their 80% dominance in the giant $2.344 tln mortgage market.
That is a market that grew ++0.6% or $127.5 bln in the past twelve months.
These same five banks hold 77.9% of the owner-occupied market, and 84.9% of the residential investor market - both identical shares compared with a year ago.
But there continues to be a shifting around between them. On balance Macquarie is making gains, Westpac is losing share.
Specifically, CommBank is easily the largest with a $593.7 home loan book, up +6.2% or +$34.7 bln from a year ago. They may have leaked a small -0.1% in the owner-occupied segment, but they have gained +0.6% in the investor segment, allowing them to report a small market share rise. They won more than 27% of the growth in the past year, and that raised their share to 25.3%.
The next largest is Westpac who have a home loan book of $487.9 bln but their share has shrunk -0.7% from a year ago, giving up ground in both segments.
NAB has a housing loan book of $334.7 bln, holding its share of owner-occupiers, but leaking a worrying -0.5% among investors.
ANZ is the smallest of the Pillar banks with a housing loan book of $317.7 bln. It is now stable vs a year ago, halting their longer term underperformance.
Macquarie is the only bank making notable gains, especially among investors. Their loan book is materially smaller at $144.5 bln but it is up from $119.9 bln a year ago, and impressive +20% gain in a year. And that raised their market share by +0.8%, pretty much equally between the owner-occupied segment, and the investor segment.