WOWA Data Labs provides data and intelligence on the Canadian lending market, used by banks, credit unions, MFCs, MIEs, mortgage brokers, regulators, and industry analysts who need a clear, evidence-based picture of how the market is moving.
Our Products
Each product is powered by WOWA's own verified datasets, created through careful research, collection, and validation by WOWA's research team.
Flagship Product
Our flagship quarterly report covers 100+ Canadian lenders: banks, credit unions, MFCs, and MIEs. It tracks loan and deposit portfolios, RESL market share, mortgage originations, insured/uninsured balances, risk metrics, efficiency ratios, and macroeconomic outlook. The Q1 2026 edition ran 181 pages.
Weekly Intelligence
Every week, we survey real mortgage applicants to reveal what borrowers are actually being offered at Canada's Big 5 banks, not just advertised rates. Includes bank-by-bank histograms, real vs. advertised spreads, and rate change tracking across 40+ lenders.
Live & Historical Data
Access live and historical interest rates from 40+ Canadian lenders across multiple product types: GICs, savings accounts, registered GICs, and both insured and uninsurable mortgage rates. Clean, structured data delivered via API or report.
Custom Research
We design and field custom surveys to capture market sentiment directly from borrowers, depositors, and consumers. Results help organizations understand consumer appetite for new products, gauge satisfaction with existing offerings, and track how their brand is perceived in a competitive market.
See it in action
A walkthrough of how we collect, structure, and present Canadian lending data — and what it looks like in practice.
Coverage includes
Canadian Lenders Report
Our flagship product is a quarterly intelligence report covering 100+ Canadian lenders: chartered banks, credit unions, mortgage finance companies (MFCs), and mortgage investment entities (MIEs) with assets above $500M. The Q1 2026 edition ran 181 pages.
The report is built primarily from aggregated regulatory and publicly filed data spanning a decade, covering balance sheets, loan portfolios, deposit composition, credit loss provisions, delinquency rates, efficiency ratios, and net interest margins. It also incorporates proprietary insights from WOWA.ca's 500,000 monthly visitors.
Used by banks, credit unions, MFCs, MIEs, mortgage brokers, regulators, and industry analysts to understand how the market is structured, where it is heading, and how individual institutions compare across every major lending dimension.
Weekly Mortgage Rate Report
Every week, WOWA surveys real mortgage applicants who recently closed or received approval at a Big 5 bank, as well as refinance cases where borrowers are switching lenders. The result is a ground-truth picture of actual rates offered, not just what lenders advertise.
The report includes bank-by-bank histograms showing the full distribution of rates received, real vs. advertised rate spreads for 3-year and 5-year fixed terms, week-over-week trends, and a log of advertised rate changes across 40+ lenders. Data carries a two-week lag.
June 8, 2026 Report — 3-Year Fixed Conventional
RBC3.89%4.72%83 bps+4 bps
TD4.17%4.62%45 bps+4 bps
Scotia
BMO
CIBCSubscribe to unlock all banks, 5-year rates, insured vs. conventional breakdowns, and historical trends.
Interest Rate Database
We track advertised interest rates from 40+ Canadian lenders on a continuous basis, across GICs, high-interest savings accounts, registered GICs (TFSA, RRSP, FHSA), and both insured and uninsurable mortgage rates.
The dataset goes back historically so you can see how rates have moved across the market over time. Available via API for teams that need to integrate the data directly into their systems.
Market Sentiment Surveys
Sometimes you need to go beyond published data to understand what's actually happening in the market. WOWA's survey capability lets you ask borrowers, depositors, and homebuyers directly, whether you are assessing appetite for a new product, gauging satisfaction with an existing one, or understanding how your brand is perceived relative to competitors.
We design and field custom surveys for lenders, regulators, brokers, and researchers. Results are cleaned, analyzed, and delivered in a format ready for internal reporting or strategic planning.
Market Sentiment Survey: Sample
When do you expect to renew or take out a new mortgage?
Which factor matters most when choosing a lender?
Talk to our team about which product fits your needs. Request a sample of any report.