The reported average time for loan processing is 24 days for all banks and DFIs; a trend that has remained almost similar over the year. Currently, the application processing of most banks is a centralized process, where branches forward applications to central branches/head offices for assessment and approvals. Islamic banks have financed with an average financing size of Rs. 2.81 million. Private banks report an average loan size of Rs. 2.44 million, foreign banks of Rs. 2.74 million and public sector banks report Rs. 2 million. The housing finance market is still inclined towards lending to high income groups.