US Residential Real Estate Loans by Commercial Banks
US Residential Real Estate Loans by Commercial Banks stood at 2,688,893 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 loans | 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 Residential Real Estate Loans by Commercial Banks
United States residential real estate credit measures specifically the volume of outstanding loans circulating for the purpose of purchasing, constructing, or mortgaging housing for individuals and households, published by the Federal Reserve. This portfolio includes single-family mortgage loans, condominiums, and home equity loans. Unlike commercial credit or agricultural land flows, this indicator directly reflects consumer purchasing power and risk appetite in the property market.
Data is published on a quarterly basis. The residential real estate market is typically heavily influenced by weather factors and sales launches during the year, creating peaks in the mid-year quarters and a more subdued environment during the winter. Therefore, comparing growth with the year-on-year period is the optimal method to accurately assess mortgage demand without being skewed by seasonal factors.
Frequently asked questions
- Whose loan balances does this item track?
- The data reflects home purchase loans and residential mortgages extended to households and individuals by commercial banks.
- How does this indicator differ from total real estate debt?
- This figure isolates the residential segment, excluding all office, retail center, and agricultural land debt.
- What factor has the strongest impact on short-term fluctuations?
- Mortgage interest rates and the seasonality of home sales are the two main drivers of loan volume movements across quarters.