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.
2026 Q2 Insights Report
Published: October 7, 2026
Total large bank credit card balances continued to grow in the second quarter of 2026, while balances carried over from month to month (revolving balances) increased more slowly, suggesting that borrowers were carrying less of their recent spending as revolving debt. At the same time, credit card delinquency and net charge-off rates declined. Against that positive backdrop of credit card debt management, large banks continued to expand credit availability, with a rising share of newly originated credit card accounts going to consumers with lower credit scores.
Mortgage origination volumes remain subdued by historical standards, and rate-and-term refinancing declined from the previous quarter as mortgage rates rose.
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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