Delinquency Rate on Loans Secured by Real Estate, All Commercial Banks
DRSREACBS • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1.69
Year-over-Year Change
20.71%
Date Range
1/1/1987 - 1/1/2025
Summary
This economic indicator tracks the percentage of real estate loans that are past due at commercial banks, serving as a critical measure of credit risk and borrower financial health. The delinquency rate provides insights into potential stress in the real estate lending market and broader economic conditions.
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 metric represents the proportion of loans secured by real estate that are not being paid according to their original terms, typically 30 days or more past due. Economists and financial analysts use this trend to assess the overall financial stability of commercial banks and potential risks in the real estate lending sector.
Methodology
Data is collected through regulatory reporting requirements from commercial banks, which track and report loan performance to federal banking regulators.
Historical Context
This indicator is used by policymakers, central bankers, and financial institutions to evaluate credit market conditions and potential systemic risks in the banking sector.
Key Facts
- Measures the percentage of real estate loans that are past due
- Indicates potential financial stress in the banking and real estate sectors
- Tracked across all commercial banks in the United States
FAQs
Q: What does a rising delinquency rate indicate?
A: A rising delinquency rate typically suggests increasing financial stress among borrowers and potential economic challenges in the real estate market.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a current snapshot of loan performance across commercial banks.
Q: What types of real estate loans are included?
A: The indicator covers various real estate loans, including residential and commercial property loans secured by real estate.
Q: How do policymakers use this data?
A: Policymakers use this trend to assess credit market health and potentially adjust monetary or regulatory policies to mitigate risks.
Q: What are the limitations of this indicator?
A: The data represents a broad overview and may not capture nuanced regional or specific market variations in real estate lending.
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Citation
U.S. Federal Reserve, Delinquency Rate on Loans Secured by Real Estate, All Commercial Banks [DRSREACBS], retrieved from FRED.
Last Checked: 8/1/2025