The mortgage loan of rural homestead is of great significance to rural revitalization strategy, development of rural scale economy and promotion of farmer's income growth.According to the influencing factors of rural homestead mortgage, based on the basis of survey data of 700 rural households of 6 towns in Banan District of Chongqing, this paper combines the survey of government and financial agencies, uses factor analysis method, takes such eight indicators as education level of farmers, homestead area, house structure, house construction time, the idle situation of the homestead, public service level, situation of mortgage policy propaganda, government behavior and systematically analyzes the influencing factors of the mortgage.Research results show that the cumulative variance contribution rate of the homestead self-attributive factor, mortgage policy implementation behavior factor and social service impact factor reaches 71.782, which are three key factors affecting rural homestead, among which the impact of homestead self-attribute factor such as idle situation, construction time and house structure is most significant, the influence of mortgage policy implementation behavior factor on homestead mortgage is more significant, and social service factor is one of the potential factors affecting rural homestead mortgage.On the basis of that, the paper proposes to set up information database, establish evaluation mechanism, perfect social security system and so on in order to provide the guidance for the practice in the mortgage work.