Statistical news focuses on the latest figures and trends in Danmarks Nationalbank’s statistics. Statistical news is targeted at people who want quick insight into current financial data.
Geographical differences in mortgage lending growth
In 2025, Danish homeowners increased their mortgage debt by a total of 2.1 percent, equivalent to DKK 37.5 billion. This growth masks substantial differences across the country’s 98 municipalities. For example, homeowners in the Municipality of Copenhagen increased their mortgage debt by 4.5 percent, while homeowners in Langeland Municipality, in contrast, reduced theirs by 2.7 percent. The difference is due to considerable variation across municipalities in both lending activity and regular installments on homeowners’ mortgage debt.
Change in homeowners’ mortgage debt, 2025
Note:
Loans secured on owner‑occupied homes and holiday homes from mortgage credit institutions to Danish households (sector 1400). Nominal value. The figures exclude debt used to finance housing through banks, e.g. priority loans. You can find the data here: link
The differences in lending growth across municipalities narrow when adjusting for differences in homeowners’ ongoing installments on their mortgage debt. A pattern emerges showing that the municipalities where homeowners took out the most new mortgage debt in 2025 were also those where homeowners paid the least in installments relative to their mortgage debt. For example, homeowners in Lolland Municipality in 2025 paid on average more than five times as much in installments per borrowed million as homeowners in Gentofte Municipality. Excluding ongoing installments, homeowners increased their mortgage debt in all municipalities by between 0.7 per cent and 5.9 per cent in 2025.
Correlation between lending activity and ordinary installments
Note:
The figure illustrates the relationship between lending activity (change in debt adjusted for regular installments) and regular installments (as a percentage of the outstanding debt at the beginning of the period). The bubbles indicate the size of the change in homeowners’ mortgage debt in the respective municipality. The colour indicates whether the change is negative or positive. Loans secured on owner‑occupied homes and holiday homes from mortgage credit institutions to Danish households (sector 1400). Nominal value. The figures exclude debt used to finance housing through banks, e.g. priority loans.