Real Estate Loans: Residential Real Estate Loans, All Commercial Banks
H8B1221NCBCMG • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1.60
Year-over-Year Change
-23.81%
Date Range
7/1/2004 - 6/1/2025
Summary
This trend tracks the total value of residential real estate loans held by commercial banks in the United States. It serves as a critical indicator of housing market health and lending activity in the banking sector.
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 on the balance sheets of all commercial banks, reflecting lending patterns, housing market conditions, and potential economic momentum. Economists use this metric to assess credit availability, banking sector performance, and potential signals of broader economic trends.
Methodology
Data is collected through the Federal Reserve's H.8 statistical release, which aggregates loan data from commercial banks across the United States.
Historical Context
This trend is used by policymakers, investors, and economists to understand credit market dynamics, housing sector performance, and potential monetary policy implications.
Key Facts
- Represents total residential real estate loans across all U.S. commercial banks
- Provides insight into lending capacity and housing market conditions
- Reflects potential economic growth and consumer financial health
FAQs
Q: What does this trend indicate about the housing market?
A: The trend shows the total volume of residential real estate loans, which can signal housing market strength, lending appetite, and potential economic momentum.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data weekly, providing current insights into residential lending trends.
Q: Why do economists track residential real estate loans?
A: These loans are a key indicator of consumer confidence, banking sector health, and potential economic expansion or contraction.
Q: How might changes in this trend impact monetary policy?
A: Significant shifts in residential lending can influence Federal Reserve decisions about interest rates and overall monetary policy.
Q: What are the limitations of this data series?
A: The series represents total loan amounts and does not provide granular details about individual loan characteristics or borrower demographics.
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Citation
U.S. Federal Reserve, Real Estate Loans: Residential Real Estate Loans, All Commercial Banks [H8B1221NCBCMG], retrieved from FRED.
Last Checked: 8/1/2025