Motor Vehicle Loans Owned and Securitized
MVLOASM • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1,555,441.73
Year-over-Year Change
10.63%
Date Range
3/1/1943 - 3/1/2025
Summary
Motor Vehicle Loans Owned and Securitized tracks the total value of auto loans held by financial institutions and packaged into securities for investment. This metric provides critical insight into consumer lending, automotive market health, and credit market dynamics.
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 value of motor vehicle loans that are either directly owned by financial institutions or transformed into asset-backed securities. Economists use this indicator to assess consumer credit accessibility, automotive industry performance, and potential economic lending trends.
Methodology
Data is collected through comprehensive financial reporting from banks, credit unions, and other lending institutions, then aggregated and standardized by the Federal Reserve.
Historical Context
This trend is used in macroeconomic analysis to evaluate consumer spending capacity, credit market liquidity, and potential indicators of economic expansion or contraction.
Key Facts
- Represents total motor vehicle loan value across financial institutions
- Includes both direct loans and securitized loan packages
- Provides insight into consumer lending and automotive market health
FAQs
Q: What does 'securitized' mean in this context?
A: Securitization involves packaging multiple loans into a single investment instrument that can be traded in financial markets. This process allows lenders to convert illiquid loans into marketable securities.
Q: How do motor vehicle loans impact the broader economy?
A: Motor vehicle loans are a significant component of consumer credit and reflect consumer confidence, purchasing power, and overall economic health. Changes in this trend can signal broader economic shifts.
Q: How often is this data updated?
A: The Federal Reserve typically updates this series quarterly, providing a current snapshot of motor vehicle lending trends and market conditions.
Q: What factors influence motor vehicle loan volumes?
A: Interest rates, consumer confidence, employment levels, and automotive industry performance are key factors that can impact motor vehicle loan volumes and trends.
Q: Are there limitations to this data series?
A: The series provides aggregate data and may not capture nuanced regional variations or specific lending practices. It should be interpreted alongside other economic indicators for comprehensive analysis.
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Motor Vehicle Loans Owned and Securitized, Flow
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Citation
U.S. Federal Reserve, Motor Vehicle Loans Owned and Securitized [MVLOASM], retrieved from FRED.
Last Checked: 8/1/2025