What does the FR Y-14M credit card and mortgage data show?

It shows balances, credit lines, purchase volume, account numbers, delinquency rates and losses on credit card and mortgage portfolios at the largest US bank holding companies.

Who publishes this data and how far back does it go?

The Federal Reserve Bank of Philadelphia publishes it quarterly from the FR Y-14M regulatory filings, with the series on this page beginning in the third quarter of 2012.

Which banks are covered?

Only large bank holding companies subject to stress testing file the FR Y-14M, so the data covers a large share of US card lending but not credit unions or smaller banks.

How does this differ from the G.19 consumer credit release?

G.19 gives total consumer credit outstanding across all lenders. This dataset gives loan-level detail for large banks, including delinquency by days past due and by credit score band.

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US Large Bank Credit Card and Mortgage Data

Name: US Large Bank Credit Card and Mortgage Data
Creator: Federal Reserve Bank of Philadelphia - Large Bank Credit Card and Mortgage Data (FR Y-14M)
License: https://creativecommons.org/licenses/by/4.0/

Loan-level data the largest US bank holding companies file every month under the Federal Reserve's Y-14M collection, published quarterly by the Philadelphia Fed: credit card balances, interest rates, credit lines, delinquency, payment behaviour and cardholder credit scores, and first-lien mortgage balances, delinquency, originations, underwriting and the rate offered on new thirty-year fixed loans by credit score.

Source: Federal Reserve Bank of Philadelphia - Large Bank Credit Card and Mortgage Data (FR Y-14M)Last updated: Sep 22, 2026, 13:31Curated by Bui Thanh PhucAbout this data ↓

Indicator	Q1-2026	Q4-2025	Q3-2025	Q2-2025	Q1-2025	Q4-2024	Q3-2024	Q2-2024	Q1-2024	Q4-2023	Q3-2023	Q2-2023	Q1-2023
CREDIT CARDS6
Balances and accounts5
Total balances	948.67	987.97	950.78	940.72	919.74	962.69	924.47	913.44	890.65	920.52	872.23	844.88	803.5
Revolving balances	665.61	667.93	662.05	651.96	654.54	655.53	652.02	634.42	633.62	630.42	611.44	579.72	567.43
Total credit lines (commitments)	4,960.42	4,914.69	4,862.86	4,808.1	4,760.99	4,714.19	4,662.33	4,616.38	4,556.22	4,515.6	4,443.97	4,376.77	4,280.47
Purchase volume in the quarter	915.93	976.02	945.1	938.45	860.97	926.23	889.06	894.29	822.66	880.25	861.56	856.64	777.01
Number of accounts	590.39	591.42	590.65	588.68	589.25	590.68	590.36	593.14	593.15	597.52	594.04	590.38	584.83
Delinquency and losses5
30+ days past due, share of balances	3.31	3.35	3.29	3.14	3.42	3.49	3.54	3.33	3.57	3.5	3.21	2.78	2.76
60+ days past due, share of balances	2.37	2.38	2.32	2.24	2.45	2.53	2.51	2.37	2.6	2.48	2.23	1.92	1.92
90+ days past due, share of balances	1.7	1.67	1.62	1.58	1.76	1.8	1.75	1.68	1.85	1.72	1.53	1.32	1.35
30+ days past due, share of accounts	1.66	1.8	1.71	1.6	1.7	1.85	1.83	1.7	1.78	1.89	1.74	1.51	1.48
Net charge-off rate	5.2	5.13	4.99	5.33	6.02	5.71	5.57	5.97	5.85	5.06	4.33	4.15	3.71
Payment behavior (share of accounts)3
Paying only the minimum	10.24	10.84	10.71	10.83	10.54	11.13	10.97	10.69	10.33	10.74	10.4	10.09	9.63
Paying more than the minimum but less than the full balance	28.44	28.04	28.24	27.95	28.58	27.99	28.37	28.32	29.2	28.83	29.05	28.87	29.66
Paying the full balance	36.93	36.49	36.1	35.92	35.8	35.54	34.97	35.19	35.14	34.64	34.48	35.01	35.22
Pricing and credit lines6
Average purchase APR, general purpose cards	23.99	24.13	24.49	24.39	24.33	24.44	24.87	24.76	24.68	24.64	24.53	24.21	23.72
Average purchase APR, private label (store) cards	31.18	31.29	31.44	31.3	31.11	31.06	30.95	30.4	29.57	29.14	29.05	28.9	28.62
Median utilization of credit line (active accounts)	6.83	8.84	7.54	7.55	7.01	9.29	7.88	7.99	7.54	9.76	8.2	8.11	7.34
Share of accounts with a credit line increase	3.58	3.72	3.5	3.33	3.19	3.39	3.34	3.7	3.28	3.71	3.41	3.47	3.64
Share of accounts with a credit line decrease	1.65	1.48	1.49	1.47	1.58	1.43	1.52	1.53	1.64	1.55	1.56	1.31	1.4
Share of accounts on a promotional APR	11.25	11.66	11.64	11.61	11.88	12.65	12.91	13	13.29	13.83	13.66	13.7	13.77
Credit scores of cardholders2
10th percentile	625	626	626	627	626	627	627	628	625	627	628	631	628
Median	769	769	769	769	768	766	766	765	763	763	763	764	762
New accounts opened in the quarter6
New credit lines opened	105.53	109.93	106.07	109.35	97.12	100.32	99.57	106.01	102.98	107.07	110.49	114.77	104.85
Number of new accounts	17.12	18.93	17.74	17.54	15.4	17.6	16.93	17.53	16.8	19.89	19.52	19.95	18.17
Median original credit limit	4,000	3,500	3,900	4,000	4,000	3,500	3,500	3,900	3,750	3,000	3,300	3,473.68	3,386.84
Average original purchase APR, general purpose	26.5	27.24	27.27	27.21	26.83	27.76	27.78	27.33	26.77	27.24	26.58	26.14	25.8
Share of new accounts with a credit score below 660	19.15	17.77	16.43	16.17	16.06	16.62	15.59	16.68	17.4	18.65	18.23	19.6	20.26
Median credit score of new accounts	736	738	739	741	741	738	737	737	735	731	729	728	726
FIRST-LIEN MORTGAGES5
Balances outstanding8
Total first-lien mortgage balances	1,468.93	1,459.32	1,454.49	1,448.4	1,447.78	1,455.36	1,453.96	1,454.83	1,452.43	1,458.6	1,456.07	1,448.4	1,442.29
of which: fixed rate	810.31	816.84	822.81	827.37	833.03	844.64	849.32	855.57	861.24	869.88	876.19	875.32	872.31
of which: fixed rate, interest only	24.86	25.29	24.97	24.56	24.56	24.23	23.82	23.65	23.07	23.27	22.32	21.54	21.05
of which: adjustable rate	384.31	369.34	361.96	352.56	344.29	333.64	327.66	322.15	314.08	310.71	304.08	299.31	296.01
of which: adjustable rate, interest only	248.2	246.49	243.71	242.84	244.83	251.25	251.43	251.46	252.24	252.85	251.67	250.81	251.53
of which: non-owner-occupied / investment	62.35	60.08	59.62	59.41	60.2	60.16	60.74	61.17	61.32	61.58	61.13	61.34	62.42
Number of loans	2.56	2.54	2.55	2.57	2.58	2.62	2.64	2.66	2.67	2.7	2.72	2.74	2.77
Median loan balance	366,833	368,256	367,039	358,214	353,997	348,076	341,746	336,902	330,245	325,244	317,022	307,838	282,978
Delinquency (including foreclosures), share of balances3
30+ days past due	1.26	1.28	1.28	1.35	1.36	1.24	1.18	1.19	1.18	1.29	1.08	1.11	1.18
60+ days past due	0.69	0.72	0.72	0.77	0.76	0.64	0.58	0.56	0.57	0.58	0.57	0.61	0.68
90+ days past due	0.52	0.56	0.56	0.6	0.46	0.47	0.43	0.41	0.42	0.43	0.44	0.47	0.54
New mortgages originated in the quarter7
Total originations	73.32	84.34	70.94	74.61	50.58	68.09	62.57	59.64	43.33	45.5	59.28	61.1	46.51
of which: purchase loans	38.32	47.62	52.79	54.42	37.61	47.13	50.76	51.1	34.96	37.4	49.92	51.08	36.78
of which: rate/term refinance	23.71	25.82	9.4	11.44	5.93	12.83	5.79	2.91	3.57	2.85	2.83	3.63	3.65
of which: cash-out refinance	10.02	10.36	8.31	8.39	6.61	7.58	5.67	5.22	4.5	4.89	5.91	5.53	5.41
of which: adjustable rate	25.08	28.84	23	24.07	12.7	18.9	16.17	16.45	11.24	11.79	11.71	12.95	10.63
Number of new loans	123.92	139.23	121.22	125.19	92.69	121.23	115.37	108.28	79.06	87.21	110.11	113.29	91.48
Median loan size	361,888	370,514	350,000	351,089	328,830	349,600	340,000	340,000	330,750	307,168	325,000	333,651	320,809
Underwriting of new loans (medians)3
Credit score	774	775	773	772	770	772	771	772	770	770	771	772	769
Back-end debt-to-income ratio	36	37	37	37	37	37	38	38	38	38	38	37	38
Loan-to-value ratio	75	75	76	76	75	75	78	79	76	78	79	79	79
Average rate on new 30-year fixed mortgages, by credit score3
Credit score below 680	6.62	6.81	7.17	7.14	7.23	6.72	7.05	7.15	7.06	7.35	6.96	6.49	6.57
Credit score 680-739	6.43	6.58	6.93	6.94	7.05	6.58	6.95	7.07	7.01	7.32	6.87	6.5	6.41
Credit score 740 or higher	6.12	6.26	6.65	6.67	6.77	6.36	6.72	6.9	6.73	7.29	6.76	6.45	6.19

Latest reading

Average purchase APR, general purpose cards stood at 23.99% in Q1 2026. That is −0.1 pp from Q4 2025 and −0.3 pp from a year earlier. The series on this page is quarterly and runs from Q3 2012 to Q1 2026. Source: Federal Reserve Bank of Philadelphia - Large Bank Credit Card and Mortgage Data (FR Y-14M).

Latest: 23.99%; Q1 2026
vs previous period: −0.1 pp; Q4 2025
vs a year earlier: −0.3 pp

About this data

Frequently asked questions

What does the FR Y-14M credit card and mortgage data show?: It shows balances, credit lines, purchase volume, account numbers, delinquency rates and losses on credit card and mortgage portfolios at the largest US bank holding companies.
Who publishes this data and how far back does it go?: The Federal Reserve Bank of Philadelphia publishes it quarterly from the FR Y-14M regulatory filings, with the series on this page beginning in the third quarter of 2012.
Which banks are covered?: Only large bank holding companies subject to stress testing file the FR Y-14M, so the data covers a large share of US card lending but not credit unions or smaller banks.
How does this differ from the G.19 consumer credit release?: G.19 gives total consumer credit outstanding across all lenders. This dataset gives loan-level detail for large banks, including delinquency by days past due and by credit score band.