세계의 대출 서비스 시장 보고서(2025년)
Loan Servicing Global Market Report 2025
상품코드 : 1808766
리서치사 : The Business Research Company
발행일 : On Demand Report
페이지 정보 : 영문 250 Pages
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한글목차

대출 서비스 시장 규모는 향후 수년간 급성장할 것으로 전망됩니다. 2029년 연평균 성장률(CAGR)은 16.5%를 나타낼 것으로 예측되며 53억 8,000만 달러로 성장할 전망입니다. 예측 기간 동안의 성장은 자동화에 대한 수요 증가, 규제 준수에 대한 관심 확대, 모기지 및 대출 부문 확장, 원활한 서비스에 대한 소비자 기대치 상승, 대규모 대출 포트폴리오 관리를 위한 확장 가능한 솔루션에 대한 필요성 증가 등에 기인할 수 있습니다. 예측 기간의 주요 트렌드로는 효율성 향상을 위한 AI 기반 자동화 발전, 투명성 및 보안 강화를 위한 블록체인 기술, 의사결정 개선을 위한 고급 분석 통합, 차주 상호작용 간소화를 위한 디지털 플랫폼 혁신, 확장성을 위한 클라우드 기반 솔루션 도입 등이 있습니다.

향후 5년간 16.5% 성장 전망은 이전 예측 대비 0.1% 소폭 하향 조정된 수치입니다. 이러한 감소는 주로 미국과 타국 간 관세의 영향 때문입니다. 중국과 한국에서 주로 개발된 자동화된 결제 알림 시스템 및 에스크로 관리 플랫폼이 특수 하드웨어 관세로 인해 유지보수 비용이 증가함에 따라, 이는 운영 비용 증가를 통해 미국에 직접적인 영향을 미칠 가능성이 높습니다. 또한 상호 관세와 무역 긴장 및 제한 강화로 인한 세계 경제 및 무역에 대한 부정적 영향으로 그 효과가 더 광범위하게 나타날 것입니다.

신규 창업 증가가 대출 서비스 시장 성장을 견인할 것으로 전망됩니다. 창업 기업은 초기 단계의 신규 설립 기업을 의미합니다. 창업 증가 배경에는 자금 조달 옵션 확대, 기업가 정신 문화 확산, 신흥 시장 동향 및 소비자 수요 변화가 있습니다. 창업 기업은 운영자금 대출, 장비 금융, 신용 한도 등 다양한 유형의 대출이 필요합니다. 이러한 대출 상품의 다양성은 서로 다른 조건, 상환 구조, 차주 요구사항을 관리하기 위한 전문적인 서비스가 요구됩니다. 예를 들어, 미국 인구조사 및 인구통계 데이터 수집을 담당하는 연방 기관인 미국 인구조사국에 따르면, 미국의 사업체 설립 신청 건수는 2023년 1월 42만 8,718건에서 2024년 1월 44만 7,499건으로 증가했습니다. 따라서 신규 사업체 설립 증가가 대출 서비스 시장의 성장을 주도하고 있습니다.

목차

제1장 주요 요약

제2장 시장 특징

제3장 시장 동향과 전략

제4장 시장 : 금리, 인플레이션, 지정학, 무역전쟁과 관세, 그리고 코로나 및 회복이 시장에 미치는 영향을 포함한 거시경제 시나리오

제5장 세계의 성장 분석과 전략 분석 프레임워크

제6장 시장 세분화

제7장 지역별, 국가별 분석

제8장 아시아태평양 시장

제9장 중국 시장

제10장 인도 시장

제11장 일본 시장

제12장 호주 시장

제13장 인도네시아 시장

제14장 한국 시장

제15장 서유럽 시장

제16장 영국 시장

제17장 독일 시장

제18장 프랑스 시장

제19장 이탈리아 시장

제20장 스페인 시장

제21장 동유럽 시장

제22장 러시아 시장

제23장 북미 시장

제24장 미국 시장

제25장 캐나다 시장

제26장 남미 시장

제27장 브라질 시장

제28장 중동 시장

제29장 아프리카 시장

제30장 경쟁 구도와 기업 프로파일

제31장 기타 주요 기업 및 혁신 기업

제32장 세계 시장 경쟁 벤치마킹과 대시보드

제33장 주요 인수합병(M&A)

제34장 최근 시장 동향

제35장 시장의 잠재력이 높은 국가, 부문, 전략

제36장 부록

HBR
영문 목차

영문목차

Loan servicing encompasses the administrative management of a loan from the disbursement of funds to the borrower until the loan is fully repaid. This process involves a range of tasks to ensure the loan remains in good standing and that the lender receives timely payments.

In the loan servicing market, the main types of loans include conventional loans, conforming loans, Federal Housing Administration (FHA) loans, private money loans, and hard money loans. Conventional loans are standard mortgage loans not insured or guaranteed by any government agency. Key components of loan servicing include software and services, with deployment modes available as both on-premise and cloud-based solutions. Lenders in this market can be local banks, government-sponsored enterprises (GSEs), or private organizations.

Note that the outlook for this market is being affected by rapid changes in trade relations and tariffs globally. The report will be updated prior to delivery to reflect the latest status, including revised forecasts and quantified impact analysis. The report's Recommendations and Conclusions sections will be updated to give strategies for entities dealing with the fast-moving international environment.

The sharp rise in U.S. tariffs and the ensuing trade tensions in spring 2025 are having a considerable impact on the financial sector, particularly in the areas of investment strategies and risk management. The increased tariffs have intensified market volatility, leading institutional investors to adopt more cautious approaches and driving greater demand for hedging solutions. Banks and asset managers are encountering higher costs in cross-border transactions as disrupted global supply chains and declining corporate earnings weigh on equity market performance. At the same time, insurance providers are facing elevated claims risks linked to supply chain interruptions and trade-related business losses. Furthermore, reduced consumer spending and weaker export demand are limiting credit growth and dampening investment appetite. In response to these challenges, the sector must focus on diversification, accelerate digital transformation, and strengthen scenario planning to manage the heightened economic uncertainty and safeguard profitability.

The loan servicing market research report is one of a series of new reports from The Business Research Company that provides loan servicing market statistics, including the loan servicing industry global market size, regional shares, competitors with loan servicing market share, detailed loan servicing market segments, market trends, and opportunities, and any further data you may need to thrive in the loan servicing industry. These loan servicing market research reports deliver a complete perspective of everything you need, with an in-depth analysis of the current and future scenarios of the industry.

The loan servicing market size has grown rapidly in recent years. It will grow from $2.51 billion in 2024 to $2.92 billion in 2025 at a compound annual growth rate (CAGR) of 16.2%. The growth in the historic period can be attributed to regulatory changes, increasing loan origination volumes, growth in demand for automation, rise in borrower expectations, economic fluctuations, and increase in need for enhanced data security.

The loan servicing market size is expected to see rapid growth in the next few years. It will grow to $5.38 billion in 2029 at a compound annual growth rate (CAGR) of 16.5%. The growth in the forecast period can be attributed to rising demand for automation, growing focus on regulatory compliance, expanding mortgage and lending sectors, heightened consumer expectations for seamless service, and increasing need for scalable solutions to handle large loan portfolios. Major trends in the forecast period include advancements in AI-driven automation for enhanced efficiency, blockchain technology for improved transparency and security, integration of advanced analytics for better decision-making, innovations in digital platforms for streamlined borrower interactions, and adoption of cloud-based solutions for scalability.

The forecast of 16.5% growth over the next five years reflects a slight reduction of 0.1% from the previous projection. This reduction is primarily due to the impact of tariffs between the US and other countries. This is likely to directly affect the US through increased operational expenses, as automated payment reminder systems and escrow management platforms, predominantly developed in China and South Korea, face higher maintenance costs due to specialized hardware tariffs. The effect will also be felt more widely due to reciprocal tariffs and the negative effect on the global economy and trade due to increased trade tensions and restrictions.

The rise in business startups is expected to drive the growth of the loan servicing market. Business startups are newly established businesses in their early stages. The increase in startups is attributed to greater availability of funding options, a growing culture of entrepreneurship, and emerging market trends and consumer demands. Startups often need various types of loans, such as working capital loans, equipment financing, and lines of credit. This diversity in loan products requires specialized servicing to manage different terms, repayment structures, and borrower needs. For example, according to the United States Census Bureau, a US-based federal agency responsible for conducting the U.S. Census and gathering demographic data, the number of business formation applications in the U.S. rose from 428,718 in January 2023 to 447,499 in January 2024. Thus, the increase in business startups is driving the growth of the loan servicing market.

Key companies in the loan servicing market are focused on delivering innovative solutions, such as loan servicing platforms tailored for direct lenders to streamline loan management, enhance operational efficiency, and improve borrower experiences through automation and advanced analytics. A loan servicing platform for direct lenders is a comprehensive software solution that manages and streamlines the various administrative tasks involved in loan servicing. These platforms are designed specifically for direct lenders to efficiently handle the entire loan servicing process. For instance, in February 2024, LoanStreet Inc., a US-based technology provider for loan trading, reporting, analysis, and servicing, introduced its Corporate Loan Servicing platform for bilateral and syndicated corporate loan portfolios. This cloud-based solution consolidates all corporate deal participants into a single centralized location, enhancing efficiency and collaboration. By replacing traditional methods such as Excel spreadsheets, emails, and document management folders, the platform provides lenders with a unified source of truth for tracking and managing loans.

In August 2023, Mr. Cooper Group Inc., a US-based provider of residential mortgage services, acquired Home Point Capital Inc. for $324 million. This acquisition adds approximately $83 billion in mortgage servicing rights to Mr. Cooper's portfolio, advancing its goal of becoming a $1 trillion servicer. Home Point Capital Inc. is a US-based company specializing in mortgage origination and loan servicing, providing residential mortgage loans and related services.

Major companies operating in the loan servicing market are Wells Fargo & Company, HSBC Holdings plc, Citibank N.A., U.S. Bancorp, PNC Financial Services Group Inc., M&T Bank Corporation, Fifth Third Bank, Regions Financial Corporation, Fairway Independent Mortgage Corp., Rocket Mortgage, Flagstar Bank, Fairway Independent Mortgage Corp., Rocket Mortgage, Flagstar Bank, Zions Bank, Mr. Cooper Group Inc., Caliber Home Loans Inc., PennyMac Loan Services Inc., United Wholesale Mortgage, Guild Mortgage, LoanDepot, Movement Mortgage, Ocwen Financial Solutions Pvt. Ltd, PrimeLending, The PHH Corporation

North America was the largest region in the loan servicing market in 2024. Europe is expected to be the fastest-growing region in the forecast period. The regions covered in the loan servicing market report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East, Africa.

The countries covered in the loan servicing market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

The loan servicing market includes revenues earned by entities by providing services such as payment collection, customer support, loan modifications, escrow management, and default management. The market value includes the value of related goods sold by the service provider or included within the service offering. The value of goods in this market includes related services sold by the creators of the goods.

The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD, unless otherwise specified).

The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.

Loan Servicing Global Market Report 2025 from The Business Research Company provides strategists, marketers and senior management with the critical information they need to assess the market.

This report focuses on loan servicing market which is experiencing strong growth. The report gives a guide to the trends which will be shaping the market over the next ten years and beyond.

Reasons to Purchase

Where is the largest and fastest growing market for loan servicing ? How does the market relate to the overall economy, demography and other similar markets? What forces will shape the market going forward, including technological disruption, regulatory shifts, and changing consumer preferences? The loan servicing market global report from the Business Research Company answers all these questions and many more.

The report covers market characteristics, size and growth, segmentation, regional and country breakdowns, competitive landscape, market shares, trends and strategies for this market. It traces the market's historic and forecast market growth by geography.

The forecasts are made after considering the major factors currently impacting the market. These include the technological advancements such as AI and automation, Russia-Ukraine war, trade tariffs (government-imposed import/export duties), elevated inflation and interest rates.

Scope

Table of Contents

1. Executive Summary

2. Loan Servicing Market Characteristics

3. Loan Servicing Market Trends And Strategies

4. Loan Servicing Market - Macro Economic Scenario Including The Impact Of Interest Rates, Inflation, Geopolitics, Trade Wars and Tariffs, And Covid And Recovery On The Market

5. Global Loan Servicing Growth Analysis And Strategic Analysis Framework

6. Loan Servicing Market Segmentation

7. Loan Servicing Market Regional And Country Analysis

8. Asia-Pacific Loan Servicing Market

9. China Loan Servicing Market

10. India Loan Servicing Market

11. Japan Loan Servicing Market

12. Australia Loan Servicing Market

13. Indonesia Loan Servicing Market

14. South Korea Loan Servicing Market

15. Western Europe Loan Servicing Market

16. UK Loan Servicing Market

17. Germany Loan Servicing Market

18. France Loan Servicing Market

19. Italy Loan Servicing Market

20. Spain Loan Servicing Market

21. Eastern Europe Loan Servicing Market

22. Russia Loan Servicing Market

23. North America Loan Servicing Market

24. USA Loan Servicing Market

25. Canada Loan Servicing Market

26. South America Loan Servicing Market

27. Brazil Loan Servicing Market

28. Middle East Loan Servicing Market

29. Africa Loan Servicing Market

30. Loan Servicing Market Competitive Landscape And Company Profiles

31. Loan Servicing Market Other Major And Innovative Companies

32. Global Loan Servicing Market Competitive Benchmarking And Dashboard

33. Key Mergers And Acquisitions In The Loan Servicing Market

34. Recent Developments In The Loan Servicing Market

35. Loan Servicing Market High Potential Countries, Segments and Strategies

36. Appendix

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