Financial Accounts of the United States - Z.1
F4.5a.t One-to-four-family residential mortgages 🕮 PDF
| Line | Description | Series | 2023 | 2024 | 2025 | 2024:Q4 | 2025:Q1 | 2025:Q2 | 2025:Q3 | 2025:Q4 | 2026:Q1 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Line 1 | Net borrowing | FA893065105 | 388.2 | 393.2 | 418.1 | 355.8 | 363.3 | 505.8 | 502.9 | 300.5 | 303.4 |
| Line 2 | Household sector | FA153165105 | 379.3 | 369.9 | 391.7 | 334.5 | 340.1 | 474.3 | 470.3 | 282.0 | 280.4 |
| Line 3 | Nonfinancial corporate business | FA103165105 | -1.5 | -1.5 | 0.3 | -1.0 | 0.5 | -0.2 | 1.2 | -0.1 | 0.6 |
| Line 4 | Nonfinancial noncorporate business | FA113165105 | 10.4 | 24.7 | 26.1 | 22.3 | 22.7 | 31.7 | 31.5 | 18.5 | 22.4 |
| Line 5 | Net change in assets | FA893065105 | 388.2 | 393.2 | 418.1 | 355.8 | 363.3 | 505.8 | 502.9 | 300.5 | 303.4 |
| Line 6 | Household sector | FA153065103 | -3.5 | -3.5 | -3.5 | -3.5 | -3.5 | -3.5 | -3.5 | -3.5 | -3.5 |
| Line 7 | Nonfinancial corporate business | FA103065105 | 7.2 | 0.2 | 0.1 | 0.2 | -0.1 | 0.4 | 0.2 | -0.0 | 0.1 |
| Line 8 | Nonfinancial noncorporate business | FA113065103 | 1.8 | 1.0 | 1.5 | 1.2 | 1.1 | 1.5 | 1.4 | 1.9 | 1.9 |
| Line 9 | Federal government | FA313065105 | 2.8 | 2.7 | 2.4 | 3.0 | 3.3 | 3.5 | 3.4 | -0.5 | -2.2 |
| Line 10 | State and local governments | FA213065103 | -15.9 | 2.8 | 7.5 | 2.8 | 7.3 | 7.4 | 7.6 | 7.7 | 0.0 |
| Line 11 | U.S.-chartered depository institutions | FA763065105 | 78.7 | 39.1 | 56.3 | 35.3 | 4.4 | 88.9 | 79.0 | 53.0 | -33.9 |
| Line 12 | Foreign banking offices in U.S. | FA753065103 | -0.3 | 0.3 | 0.2 | 1.5 | 0.0 | -0.1 | 0.1 | 0.6 | 0.1 |
| Line 13 | Banks in U.S.-affiliated areas | FA743065103 | 0.3 | 0.5 | 0.4 | 0.8 | -0.3 | 0.6 | 0.7 | 0.7 | -1.5 |
| Line 14 | Credit unions | FA473065100 | 48.8 | 40.7 | 53.2 | 31.3 | 51.1 | 62.2 | 72.4 | 27.2 | 66.7 |
| Line 15 | Life insurance companies | FA543065105 | 21.7 | 33.4 | 36.6 | 35.0 | 31.0 | 39.5 | 33.8 | 42.0 | -1.0 |
| Line 16 | Private pension funds | FA573065103 | 0.4 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.1 | 0.2 | 0.1 |
| Line 17 | State and local govt. pension funds | FA223065143 | -0.6 | 0.1 | 0.2 | 1.0 | -0.1 | 0.2 | -0.1 | 1.0 | 0.2 |
| Line 18 | Government-sponsored enterprises | FA403065105 | 61.0 | 51.3 | 17.4 | -3.0 | 70.9 | 40.4 | 12.4 | -54.0 | 62.7 |
| Line 19 | Agency- and GSE-backed mortgage pools | FA413065105 | 174.1 | 172.5 | 173.0 | 179.9 | 149.5 | 197.8 | 209.7 | 135.2 | 126.8 |
| Line 20 | ABS issuers | FA673065105 | 11.6 | 45.3 | 48.9 | 57.6 | 51.7 | 49.0 | 55.1 | 39.7 | 81.5 |
| Line 21 | Finance companies | FA613065105 | -4.4 | -6.2 | -6.6 | -0.2 | -16.2 | -5.0 | 4.9 | -10.1 | -16.6 |
| Line 22 | Mortgage REITs | FA643065173 | 4.4 | 12.7 | 30.2 | 12.6 | 12.9 | 22.9 | 25.7 | 59.3 | 21.7 |
| Memo: | |||||||||||
| Line 23 | Charge-offs(2) | FV893065153 | 4.3 | 4.1 | 4.3 | 1.1 | 1.0 | 1.0 | 1.3 | 1.0 | 2.1 |
| Line 24 | Home equity loans included above(3) | FA893065125 | 33.8 | 50.7 | 61.9 | 62.3 | 36.2 | 74.4 | 72.4 | 64.7 | 10.4 |
| Line 25 | U.S.-chartered depository institutions | FA763065125 | 6.4 | 17.9 | 23.3 | 25.2 | 7.1 | 38.1 | 21.9 | 26.3 | -22.6 |
| Line 26 | Foreign banking offices in U.S. | FA753065203 | -0.0 | 0.3 | 0.2 | 0.9 | 0.3 | -0.0 | -0.3 | 0.7 | 0.6 |
| Line 27 | Credit unions | FA473065125 | 26.1 | 23.6 | 23.3 | 23.6 | 17.9 | 27.3 | 28.6 | 19.3 | 11.2 |
| Line 28 | ABS issuers | FA673065123 | 2.3 | 10.1 | 16.5 | 13.5 | 12.2 | 10.5 | 21.9 | 21.3 | 22.6 |
| Line 29 | Finance companies | FA613065123 | -0.9 | -1.2 | -1.3 | -0.9 | -1.3 | -1.4 | 0.3 | -2.9 | -1.4 |
Notes:
- Mortgages on 1-4 family properties including mortgages on farm houses.
- Charge-offs are excluded from transactions (line 1) and are accounted for as other changes in volume. Quarterly figures are shown at an unadjusted quarterly rate. Data begin 2007:Q1.
- Loans made under home equity lines of credit and home equity loans secured by junior liens. Excludes home equity loans held by individuals. Home equity loans held by U.S.-chartered depository institutions exclude charge-offs.
Last Update: June 11, 2026