AI Analysis: Chartered banks, mortgage loans report, end of period, Bank of Canada

Executive Summary

Statistics Canada's chartered bank mortgage loans data (Table 10100134) reveals dramatic long-term growth, with total outstanding mortgages rising from $31,715 million in January 1982 to $2,117,560 million by January 2026, a roughly 6,577% increase. The dataset's 14,062 records are heavily right-skewed (median $507 million vs. mean $30,449 million), reflecting the coexistence of large aggregate totals with many smaller, niche mortgage subcategories.

Key Findings

• Total mortgage loans outstanding grew from $31,715 million in 1982 to $2,117,560 million in 2026, an increase of approximately 6,577% over 44 years.
• The dataset is highly right-skewed, with a median value of $507 million far below the mean of $30,449 million, driven by a small number of large aggregate totals.
• Values span an extreme range from -$398 million (a decrease/flow figure) to $2,117,560 million (the top-level aggregate total).
• The interquartile range ($0 to $7,527 million) shows that most individual category entries are modest, while the standard deviation ($149,793 million) confirms outlier-driven variability.
• Residential mortgages (insured and uninsured) rank among the top 5 categories by value, underscoring their dominance over non-residential and non-resident segments.
• Domestic mortgages substantially outweigh those outside Canada, with in-Canada totals about 6.4 times higher.
• Several niche categories, mainly involving non-residents and specific mortgage purchase types, recorded values of $0 million, indicating minimal or no market activity in those segments.