Charge-Off Rate on Single Family Residential Mortgages, Booked in Domestic Offices, Banks Not Among the 100 Largest in Size by Assets
CORSFRMOBS • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
0.01
Year-over-Year Change
-200.00%
Date Range
1/1/1991 - 1/1/2025
Summary
This economic indicator tracks the percentage of single-family residential mortgage loans that banks not among the top 100 in asset size have written off as uncollectible. The charge-off rate provides critical insight into the credit quality and financial health of smaller banking institutions.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
The charge-off rate represents the proportion of mortgage loans that banks have determined are unlikely to be recovered, signaling potential credit risk and economic stress. Economists use this metric to assess the lending environment, borrower financial stability, and potential systemic risks in the residential real estate market.
Methodology
Data is collected through regulatory reporting requirements where banks document and report their mortgage loan charge-offs to federal banking authorities.
Historical Context
This trend is used by policymakers, financial regulators, and market analysts to evaluate credit conditions, assess banking sector resilience, and inform monetary and lending policy decisions.
Key Facts
- Tracks charge-off rates for smaller banks' residential mortgage portfolios
- Indicates potential credit quality issues in the banking sector
- Provides early warning signals for economic stress and lending conditions
FAQs
Q: What does a charge-off rate indicate?
A: A charge-off rate shows the percentage of loans a bank has determined are unlikely to be collected, reflecting potential credit risk and borrower financial distress.
Q: Why focus on banks not among the top 100?
A: Smaller banks often have different lending practices and risk profiles compared to large national institutions, making their charge-off rates a unique economic indicator.
Q: How is the charge-off rate calculated?
A: The rate is calculated by dividing the total value of charged-off mortgage loans by the total value of outstanding mortgage loans in a given period.
Q: How do policymakers use this data?
A: Regulators and central bankers use charge-off rates to assess banking sector health, inform lending standards, and potentially adjust monetary policy.
Q: How frequently is this data updated?
A: Typically, this data is reported quarterly, providing a periodic snapshot of mortgage loan performance for smaller banking institutions.
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Citation
U.S. Federal Reserve, Charge-Off Rate on Single Family Residential Mortgages, Booked in Domestic Offices, Banks Not Among the 100 Largest in Size by Assets [CORSFRMOBS], retrieved from FRED.
Last Checked: 8/1/2025