In 2025, the Spanish banking group Eurocaja Rural surprised the market: in just nine months, it increased its mortgage lending volume by more than 71%. This jump far outpaces the national average and sets the company apart from its competitors. The growth was especially striking in Madrid and the Valencian Community, where figures nearly doubled compared to the previous year.
In Madrid, the volume of new mortgages rose by 83%, and in Valencia — by a remarkable 99%. By comparison, the sector as a whole grew by only 31% and 34% respectively. These numbers show that Eurocaja Rural is not merely increasing its presence, but is confidently capturing market share in strategically important regions.
Regional dynamics
Other parts of the country have also seen positive trends. In Castilla y León, the number of mortgages granted grew by 65%, and total lending rose by 76%. In Castilla-La Mancha, the bank accounted for nearly one-fifth of all mortgage operations in the region, equaling more than 502 million euros. That’s a 78% increase over the same period last year.
This growth can be attributed not only to the expansion of its branch network, but also to active engagement with clients in small towns and rural areas. Eurocaja Rural focuses on a personalized approach and flexible terms, which are especially in demand in regions with traditionally low banking competition.
Reasons for success
One of the key factors behind the bank’s success has been its policy of personalized service. Every client receives a tailored offer, and the mortgage application process is streamlined for maximum simplicity. This allows the bank to respond quickly to requests and offer the best conditions on the market.
The bank offers a broad selection of mortgage products: fixed-rate, variable-rate, and mixed-rate loans. This range helps borrowers of all types find the most suitable option. In addition, Eurocaja Rural is actively implementing a cooperative business model, which helps foster trust among clients.
Network expansion
In 2025, Eurocaja Rural continued opening new offices in key cities and regions. Recent branches have launched in Madrid and Sevilla, boosting staff numbers and expanding the client base. The bank places special emphasis on presence in rural areas, where access to banking services has traditionally been limited.
Opening new branches has led to an increase in staff and a broader range of services provided. This approach helps strengthen the bank’s position in the market and maintain a high level of public trust.
Market impact
Eurocaja Rural’s success has had a significant impact on Spain’s mortgage market. The growth in lending volumes stimulates competition and prompts other banks to rethink their strategies. As a result, customers benefit from better terms and a wider range of products.
The bank is actively working to improve its services and introduce new technologies, which enables it to remain one of the leaders in the mortgage lending sector. In the coming months, further expansion and the launch of new programs for borrowers are expected.
For reference, Eurocaja Rural is a Spanish financial group founded in 1965. It specializes in providing banking services in rural and small towns, actively develops a cooperative model, and supports local communities. In recent years, the bank has significantly expanded its network, opening more than 500 branches across the country and doubling its staff. Eurocaja Rural is known for its focus on customer service and flexible lending policies, allowing it to successfully compete with the largest market players.
