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.
2024 Q4 Insights Report
Published: April 9, 2025
Firms increased credit access for card borrowers who qualify for large credit lines. The 75th and 90th percentiles of current card limits moved up by 5 and 5.4 percent year over year, respectively. The 90th percentile’s growth is the third highest annual increase in the 12-year history of the series. The 50th percentile card limit stayed at $5,000, a contraction in real terms.
Credit card performance continued to show signs of consumer distress. The percent of accounts making the minimum payment hit a new 12-year high in our data, rising an additional 25 basis points from last quarter’s previous series high. Account-based delinquency metrics remained near or set new series highs in the seasonally delinquency-heavy fourth quarter.
Large banks originated larger mortgages than before, with the median loan value rising 14 percent from a year ago. The 90th and 75th percentiles of original loan size set new series highs, and the median fell just short. The 90th percentile of original loan size, however, has grown twice as fast as the median since the fourth quarter of 2019, consistent with the targeting of high-end borrowers seen in the credit card data.
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
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