The Australian Finance Group's November index of monthly new sales shows flat growth year on year, with 8221 new mortgages originated in the month and only twenty more than the same month last year.The average loan size has increased $26,000 for the 12-month period to $333,000, with New South Wales leading the most expensive list at $390,000, followed by Western Australia at $370,000.Mark Hewitt, general manager of sales and operations, said any "flight to quality" of borrowers using tier one banks has stabilised, after an initial shift of around four per cent from what AFG identifies as tier two and tier three lenders.Hewitt expects the second tier banks to regain some of the market share lost over previous months as borrower concerns over credit availability and pricing of some smaller lenders eased."We still think the share of loans going to brokers (over banks) is on the increase, although not as fast as it was say a year or even two years ago. Banks are definitely hitting back on the direct side."From next month the AFG monthly index will incorporate some data on refinancing,  helping to identify the amount of actual new property purchases after eliminating the refinance churn.Hewitt estimates currently around 30 per cent of loans handled by AFG are for  refinancing.