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 Q1 Insights Report
Published: July 8, 2025
Credit card interest rates are historically high, with an elevated prime rate driving some of the rate growth. The additional interest large banks charge consumers beyond the prevailing prime rate continues to climb and is at a series high. For borrowers who carry credit card debt, interest costs are considerably greater than a few years ago.
Credit card performance showed signs of improvement in the first quarter, with all measures of delinquency declining year over year. Tightened underwriting criteria have led to a net decrease in total credit card accounts and balances as well as a recovery in credit performance over the last year. Net charge-off and delinquency rates remain elevated compared with pre-pandemic levels.
Adjustable-rate mortgages (ARMs) have gained popularity as homebuyers have searched for cost relief. The share of large bank mortgage originations attributable to conventional ARM loans has climbed since 2021. Growth in ARM balances has begun to shift product composition within the large bank mortgage portfolio, but portfolio quality remains robust, contributing to continued strong credit performance.
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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
ABOUT LARGE BANK CREDIT CARD AND MORTGAGE DATA
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General Contact
Phil.LargeBankData@phil.frb.org