Subject This article examines the inequality of regions and the heterogeneity of local mortgage markets. Objectives The article aims to choose and justify a methodology for assessing the mortgage potential capacity of the region, as well as a composition of the benchmarks of comprehensive criterion being developed. Methods For the study, we used the methods of systems, comparative, and multivariate statistical factor analyses. Results The article proposes a basic composition of benchmarks, which, in our opinion, provides a reliable and comprehensive assessment of the mortgage potential capacity of the regions. The article also notes the advisability of the use of multivariate methods of factor analysis, including the principal components method, to address the problem of classification of Russian regions. Conclusions The development of a comprehensive criterion for assessing the mortgage potential capacity of the regions of the Russian Federation on the basis of the proposed methodology and taking into account the formed composition of the benchmarks should be a follow-up of this study.
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