Real Estate Loans: Residential Real Estate Loans: Revolving Home Equity Loans, All Commercial Banks
H8B1027NCBCMG • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
6.30
Year-over-Year Change
1160.00%
Date Range
8/1/1987 - 6/1/2025
Summary
This trend tracks the total value of revolving home equity loans issued by commercial banks in the United States. It provides critical insight into consumer borrowing patterns and housing market liquidity.
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
Revolving home equity loans represent a flexible credit line secured by residential property, allowing homeowners to borrow against their home's equity. Economists use this metric to assess consumer financial health, lending conditions, and potential economic stress.
Methodology
Data is collected through the Federal Reserve's H.8 statistical release, which aggregates loan information from commercial banks nationwide.
Historical Context
This trend is used by policymakers and financial analysts to understand credit market dynamics, consumer spending potential, and potential risks in the housing sector.
Key Facts
- Revolving home equity loans provide flexible borrowing options for homeowners
- The trend reflects both consumer confidence and bank lending standards
- Changes in this metric can signal broader economic trends
FAQs
Q: What are revolving home equity loans?
A: Revolving home equity loans are credit lines that allow homeowners to borrow against their home's equity, with a maximum limit that can be repeatedly used and repaid.
Q: How do home equity loans differ from traditional mortgages?
A: Unlike fixed mortgages, home equity loans offer flexible borrowing with a revolving credit line, typically at variable interest rates based on the home's value.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data weekly, providing current insights into commercial bank lending practices.
Q: Why do economists track this trend?
A: This trend helps economists understand consumer financial health, lending conditions, and potential economic stress in the housing market.
Q: What are potential limitations of this data?
A: The data represents only commercial bank lending and may not capture all home equity lending from credit unions, online lenders, or other financial institutions.
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Citation
U.S. Federal Reserve, Real Estate Loans: Residential Real Estate Loans: Revolving Home Equity Loans, All Commercial Banks [H8B1027NCBCMG], retrieved from FRED.
Last Checked: 8/1/2025