Kenyan lenders are significantly tightening access to mortgage loans as the number of non-performing loans (NPLs) has more than doubled, indicating widespread financial strain among homeowners.

• Mortgage accounts classified as NPLs increased by 105.8% in 2025.
• The Development Bank of Kenya saw the largest drop in mortgage loans, down 84%.
• The rise in NPLs reflects the challenging economic conditions affecting many Kenyans.