SANTO DOMINGO.- Mortgage loans were the fastest growing segment within the Dominican banking system during 2025, according to data from the Superintendency of Banks (SB), reflecting a sustained expansion of housing finance in the country.
The report on credit in the financial system indicates that the mortgage portfolio reached RD 443,170 million, after registering a year-on-year increase of 13.2%, the highest rate among all types of financing.
This behavior occurs within a context where the total loan portfolio closed the year at RD$2.39 trillion, with a growth of 9.5%. Within that portfolio, housing loans represented 18.5% of the total, remaining the third most important component of bank financing.
The dynamism of mortgage lending contrasts with other segments. Commercial loans, which continue to hold the largest market share at 54.6%, grew by 11.7%, while consumer loans, excluding credit cards, represented 21.4% of the portfolio.
Meanwhile, the balance of personal credit cards stood at RD 128,935 million, with an increase of 9.5%, in line with the general growth of credit.
SB data also show that credit constitutes 57.5% of the financial system's assets, confirming its central role in banking activity.
In terms of rates, weighted average lending rates closed at 13.28%, while deposit rates stood at 6.08%, in an environment that continues to influence access to financing.
The report also notes an increase in the share of credit in foreign currency, whose private portfolio reached USD 9,041 million, for a growth of 11.2% compared to the previous year.
Overall, the results reflect an expansion of financing in different segments, with mortgage credit playing a prominent role within the structure of the banking system.
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