The article analyzes mortgage lending in banks in Ukraine, focusing on its role in economic development. Mortgage lending involves long-term bank loans for buying or building homes, using real estate as collateral. The study shows that the mortgage market in Ukraine has not met the needs of people or developers in recent years. This poses risks for both banks and borrowers, especially during economic crises and political uncertainties. Reforms in the mortgage market could help boost economic growth and address housing issues for the population.