Real Estate Loans: Residential Real Estate Loans: Closed-End Residential Loans, All Commercial Banks
H8B1220NCBCMG • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1.10
Year-over-Year Change
-52.17%
Date Range
7/1/2004 - 6/1/2025
Summary
This economic indicator tracks the total value of closed-end residential real estate loans held by commercial banks in the United States. It provides critical insight into residential lending trends and the overall health of the housing finance market.
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 series represents the aggregate dollar amount of residential real estate loans with fixed terms and repayment schedules across all commercial banking institutions. Economists use this metric to assess credit availability, housing market dynamics, and potential economic expansion or contraction.
Methodology
Data is collected through regular bank reporting to the Federal Reserve, aggregating loan balances from commercial banking institutions nationwide.
Historical Context
This indicator is used by policymakers, financial analysts, and central bankers to evaluate credit market conditions and potential monetary policy interventions.
Key Facts
- Represents total closed-end residential real estate loans across U.S. commercial banks
- Provides a comprehensive view of residential lending activity
- Serves as a leading indicator of housing market and credit market conditions
FAQs
Q: What are closed-end residential loans?
A: Closed-end residential loans are fixed-term mortgage loans with a predetermined repayment schedule and a set loan amount.
Q: How often is this data updated?
A: The Federal Reserve typically updates this series weekly, providing current insights into residential lending trends.
Q: Why do economists track this indicator?
A: It helps assess credit market health, housing demand, and potential economic growth or contraction.
Q: How does this data impact monetary policy?
A: The Federal Reserve uses this information to understand credit market conditions and potentially adjust interest rates or lending policies.
Q: What are the limitations of this data?
A: The series only covers commercial banks and may not fully represent alternative lending sources or private lending markets.
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Citation
U.S. Federal Reserve, Real Estate Loans: Residential Real Estate Loans: Closed-End Residential Loans, All Commercial Banks [H8B1220NCBCMG], retrieved from FRED.
Last Checked: 8/1/2025