Federal Reserve Economic Data

Table Data - Large Bank Consumer Mortgage Originations: Original Back-End Debt-to-Income (DTI): 90th Percentile

Title Large Bank Consumer Mortgage Originations: Original Back-End Debt-to-Income (DTI): 90th Percentile
Series ID RCMFLOBEDTIPCT90
Source Federal Reserve Bank of Philadelphia
Release FR Y-14M Large Bank Credit Card and Mortgage Data
Seasonal Adjustment Not Seasonally Adjusted
Frequency Quarterly, End of Quarter
Units Ratio
Date Range 2012-07-01 to 2025-04-01
Last Updated 2025-10-17 8:02 AM CDT
Notes The 90th percentile back-end debt-to-income ratio among first-lien originations. The back-end DTI ratio is the percentage of a borrower's monthly income that would go toward all the borrower's debt obligations. The total monthly debt payments (including proposed housing expenses) are divided by the total monthlyincome of the borrower. Back-end DTI is reported at origination. These data include total bank loans originated and held in portfolio in a given quarter, including those that will later be sold or securitized. For more detail see: methodology.
DATE VALUE
2012-07-01 45
2012-10-01 45
2013-01-01 45
2013-04-01 45
2013-07-01 45
2013-10-01 45
2014-01-01 45
2014-04-01 44
2014-07-01 44
2014-10-01 44
2015-01-01 44
2015-04-01 44
2015-07-01 44
2015-10-01 44
2016-01-01 44
2016-04-01 44
2016-07-01 44
2016-10-01 44
2017-01-01 45
2017-04-01 44
2017-07-01 45
2017-10-01 46
2018-01-01 47
2018-04-01 47
2018-07-01 47
2018-10-01 47
2019-01-01 47
2019-04-01 46
2019-07-01 45
2019-10-01 45
2020-01-01 46
2020-04-01 44
2020-07-01 45
2020-10-01 45
2021-01-01 44
2021-04-01 45
2021-07-01 45
2021-10-01 45
2022-01-01 46
2022-04-01 47
2022-07-01 47
2022-10-01 47
2023-01-01 48
2023-04-01 47
2023-07-01 48
2023-10-01 48
2024-01-01 48
2024-04-01 48
2024-07-01 48
2024-10-01 48
2025-01-01 48
2025-04-01 48

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