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.
2024 Q1 Insights Report
Published: July 24, 2024
The share of credit card balances past due reached the highest level since the start of the data series in 2012. Nominal credit card balances were still hovering near series highs, although total credit card balances and the number of credit card accounts held by large banks declined in the first quarter of 2024. The number of new credit card accounts and the total value of new credit card lines fell in the first quarter, which is typical for the quarter following year-end holiday spending.
For mortgages, first-lien originations reached their lowest levels since the start of the data series in 2012 as high housing costs and mortgage rates tempered demand. First-lien outstanding nominal balances decreased in the quarter for the first time since 2021. Mortgage loan balances and original loan sizes reached series highs for various cohorts of borrowers.
Data Downloads
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
ABOUT LARGE BANK CREDIT CARD AND MORTGAGE DATA
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