The respondent panel comprises U.S. bank holding companies, U.S. intermediate holding companies of foreign banking organizations, and covered savings and loan holding companies with $100 billion or more in total consolidated assets. These institutions are required to report credit card or first-lien mortgage data if portfolio balances exceed $5 billion or are material relative to Tier 1 capital. Firms with over $100 billion in total consolidated assets that do not meet these thresholds may also voluntarily provide FR Y-14M data. The reporting provides users with aggregate data on credit card and first-lien mortgages including portfolio composition, credit performance, origination activities, credit card payment behavior, and credit card line utilization. This publication will be released on a quarterly frequency.
Large Bank Credit Card and 
Mortgage Data
The Large Bank Credit Card and Mortgage Data are based on FR Y-14M credit card and mortgage data provided by the largest financial institutions in the United States. View the methodology and definitions documentation to get a better understanding of the data.
2025 Q3 Insights Report
Published: January 21, 2026
Viewing broader economic indicators alongside the latest large bank credit card data presents a mixed picture: Consumers are navigating economic uncertainty, yet credit card performance continues to improve. In the third quarter of 2025, aggregate credit card balances and purchase volume rose moderately year over year, indicating that consumers are still spending, with the sharpest gain in average purchase volume seen among borrowers with credit scores below 660. Consumers who do not pay their balance in full every month are facing near-record-high interest rates. At the same time, all card delinquency measures have shown year-over-year improvement during 2025, and net charge-off rates declined in the second and third quarters, reflecting the cumulative impact of several years of tightened access to credit cards for the riskiest borrower segments.
Although the number of first-lien mortgage loans held by large banks has declined, total balances have remained stable as the median loan size has increased. Disciplined portfolio management has maintained healthy credit quality metrics and low delinquency rates, indicating that large bank mortgage borrowers are not overextended, although the delinquent share of balances has edged up of late.
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Credit Card Balances
FR Y-14M credit card filers provide data on all active consumer bankcard accounts; including cycle-end balances, current credit scores, line changes, and payment behavior metrics.
Credit Card Originations
FR Y-14M credit card filers provide data on all new consumer bankcard commitments, calculated based on initial assigned credit limits alongside original credit scores.
First-Lien Mortgage Balances
FR Y-14M mortgage filers provide data on all closed-end portfolio loans secured by 1-4 family residential real estate. Both first-lien mortgage and first-lien home equity loan balances are reported.
First-Lien Mortgage Originations
FR Y-14M mortgage filers provide data on new first-lien mortgages and first-lien home equity loans held in portfolio. Includes origination loan-to-value (LTV), debt-to-income (DTI), and credit score metrics.
Documentation
Release Archive
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Phil.LargeBankData@phil.frb.org