US Real Estate Loans by Commercial Banks
US Real Estate Loans by Commercial Banks stood at 5,723,139 USD million in Q2 2026, according to FRED (Federal Reserve Bank of St. Louis). It is one of the indicators in the Bank loans and delinquencies table (Value · Quarterly), with a complete series running from Q1 1985 to Q2 2026. The complete series with an interactive chart, free to download.
This indicator in the Bank loans and delinquencies table
| Indicator | Q2-2026 | Q1-2026 | Q4-2025 | Q3-2025 | Q2-2025 | Q1-2025 | Q4-2024 | Q3-2024 | Q2-2024 | Q1-2024 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Real estate loans3 | 5,723,139 | 5,682,432 | 5,668,031 | 5,622,763 | 5,594,614 | 5,554,333 | 5,547,444 | 5,545,347 | 5,525,650 | 5,506,857 | |
| Residential real estate | 2,688,893 | 2,669,079 | 2,674,649 | 2,660,321 | 2,645,971 | 2,619,771 | 2,620,521 | 2,609,464 | 2,598,536 | 2,579,170 | |
| Commercial real estate | 2,866,339 | 2,847,388 | 2,825,218 | 2,797,154 | 2,784,456 | 2,772,930 | 2,764,337 | 2,771,827 | 2,766,260 | 2,766,808 |
Understanding US Real Estate Loans by Commercial Banks
United States real estate credit records the total volume of outstanding debt extended to organizations and individuals secured by real estate assets, published by the Federal Reserve. The calculation scope consolidates three major segments: residential real estate, commercial real estate, and land used for agricultural production. This separation clearly distinguishes between credit secured by land use rights and housing, and forms of credit secured by machinery or unsecured business borrowing.
Data is updated quarterly through the aggregation of banking sector financial statements. When reviewing the data series, it should be noted that fluctuations in outstanding debt may reflect changes in property price levels as well as refinancing activities. Comparisons between consecutive quarters are easily distorted by the cyclicality of the transaction market, making year-on-year comparisons yield a more accurate perspective on real estate credit health.
Frequently asked questions
- What loans are recorded under this indicator?
- The indicator consolidates all credit secured by residential real estate mortgages, commercial premises, and agricultural land.
- Does loan growth always imply an increase in the number of homes sold?
- Not entirely, because loan volume is also affected by fluctuations in the average value of each mortgage and refinancing activity.
- What is the release frequency of this data?
- Figures are compiled and published on a quarterly basis, with minor revisions in subsequent update cycles.