Caixa Reaches R$1 Trillion in Mortgage Portfolio

The milestone signals Caixa’s central role in delivering social housing through Minha Casa, Minha Vida while relying heavily on FGTS funding.

Overview

Caixa reported that its mortgage stock hit R$1 trillion in June 2026, a rise of more than 14% over the prior 12 months.
The bank now holds about 68% of Brazil’s housing‑finance market and records 7.9 million active contracts that cover roughly 481,000 properties for about 1.44 million people.
Housing program Minha Casa, Minha Vida accounts for approximately 58.4% of Caixa’s mortgage book, with about 659,200 units financed in the last year.
In the first quarter of 2026 Caixa originated R$64.2 billion in mortgage credit, of which R$38.6 billion came from FGTS and R$25.6 billion from the bank’s own resources, meaning roughly 60% of that period’s financed value used FGTS funds.
The concentration of social‑housing lending and large FGTS use places much of Brazil’s housing finance liquidity and risk in a single public bank, which could shape construction activity, jobs and public policy choices on FGTS allocations and Caixa’s funding going forward.