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 Q2 Insights Report
Published: October 17, 2025
Credit card purchase volume reached an all-time peak in the second quarter of 2025, driven by high-credit-score borrowers’ spending. However, cardholders with credit scores below 720 are spending less in real terms than they were two years ago.
Meanwhile, two key measures of credit card performance improved: Loss rates and delinquencies declined year over year, following stricter underwriting practices adopted by card lenders and relatively low unemployment rates in recent years. New card originations posted the largest quarterly increase in three years, but new accounts continued to be concentrated among high-credit-score borrowers.
Although new mortgage lending remains sluggish relative to historical standards, large banks increased the dollar volume of new mortgage originations by 30 percent year over year, reaching the highest level of activity since the fourth quarter of 2022. Larger loan sizes helped boost origination growth.
Data Explorer
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
Contact the Team
General Contact
Phil.LargeBankData@phil.frb.org