Annual

F4.5.t Total mortgages

The Financial Accounts (formerly known as the Flow of Funds accounts) are a set of financial accounts used to track the sources and uses of funds by sector. They are a component of a system of macroeconomic accounts including the National Income and Product accounts (NIPA) and balance of payments accounts, all of which serve as a comprehensive set of information on the economy’s performance.(1) Some important inferences that can be drawn from the Financial accounts are the financial strength of a given sector, new economic trends, changes in the composition of wealth, and development of new financial instruments over time.(1)
Sectors are compiled into three categories: households, nonfinancial businesses, and banks. The sources of funds for a sector are its internal funds (savings from income after consumption) and external funds (loans from banks and other financial intermediaries). (1) Funds for a given sector are used for its investments in physical and financial assets. Dividing sources and uses of funds into two categories helps the staff of the Federal Reserve System pay particular attention to external sources of funds and financial uses of funds.(2) One example is whether households are borrowing more from banks—or in other words, whether household debt is rising. Another example might be whether banks are using more of their funds to provide loans to consumers. Transactions within a sector are not shown in the accounts; however, transactions between sectors are.(2) Monitoring the external flows of funds provides insights into a sector’s health and the performance of the economy as a whole.
Data for the Financial accounts are compiled from a large number of reports and publications, including regulatory reports such as those submitted by banks, tax filings, and surveys conducted by the Federal Reserve System.(2) The Financial accounts are published quarterly as a set of tables in the Federal Reserve’s Z.1 statistical release.
(1) Teplin, Albert M. “The U.S. Flow of Funds Accounts and Their Uses.” Federal Reserve Bulletin, July 2001; http://www.federalreserve.gov/pubs/bulletin/2001/0701lead.pdf.
(2) Board of Governors of the Federal Reserve System. “Guide to the Flow of Funds Accounts.” 2000, http://www.federalreserve.gov/apps/fof/.

For questions on the data, please contact the data source: https://www.federalreserve.gov/apps/ContactUs/feedback.aspx?refurl=/releases/z1/%
For questions on FRED functionality, please contact: https://fred.stlouisfed.org/contactus/

   

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    1946    
 
 
    2025
Line Name Period Value Preceding
Period 		Year Ago
from Period 		Units
line 1
Net change in mortgages 		2025 700,630 Millions of U.S. Dollars 582,031 Millions of U.S. Dollars 582,031 Millions of U.S. Dollars Mil. of U.S. $
line 2
Home 		2025 418,132 Millions of U.S. Dollars 393,220 Millions of U.S. Dollars 393,220 Millions of U.S. Dollars Mil. of U.S. $
line 3
Multifamily residential 		2025 141,421 Millions of U.S. Dollars 103,061 Millions of U.S. Dollars 103,061 Millions of U.S. Dollars Mil. of U.S. $
line 4
Commercial 		2025 122,477 Millions of U.S. Dollars 63,350 Millions of U.S. Dollars 63,350 Millions of U.S. Dollars Mil. of U.S. $
line 5
Farm 		2025 18,600 Millions of U.S. Dollars 22,400 Millions of U.S. Dollars 22,400 Millions of U.S. Dollars Mil. of U.S. $
line 6
Net borrowing 		2025 700,630 Millions of U.S. Dollars 582,031 Millions of U.S. Dollars 582,031 Millions of U.S. Dollars Mil. of U.S. $
line 7
Household sector 		2025 422,076 Millions of U.S. Dollars 387,548 Millions of U.S. Dollars 387,548 Millions of U.S. Dollars Mil. of U.S. $
line 8
Nonfinancial business 		2025 278,554 Millions of U.S. Dollars 194,483 Millions of U.S. Dollars 194,483 Millions of U.S. Dollars Mil. of U.S. $
line 9
Corporate 		2025 67,309 Millions of U.S. Dollars 35,656 Millions of U.S. Dollars 35,656 Millions of U.S. Dollars Mil. of U.S. $
line 10
Noncorporate 		2025 211,245 Millions of U.S. Dollars 158,827 Millions of U.S. Dollars 158,827 Millions of U.S. Dollars Mil. of U.S. $
line 11
Federal government 		2025 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars Mil. of U.S. $
line 12
REITs 		2025 -18,598 Millions of U.S. Dollars -6,058 Millions of U.S. Dollars -6,058 Millions of U.S. Dollars Mil. of U.S. $
line 13
Net change in assets 		2025 700,630 Millions of U.S. Dollars 582,031 Millions of U.S. Dollars 582,031 Millions of U.S. Dollars Mil. of U.S. $
line 14
Household sector 		2025 -5,925 Millions of U.S. Dollars -3,575 Millions of U.S. Dollars -3,575 Millions of U.S. Dollars Mil. of U.S. $
line 15
Nonfinancial corporate business 		2025 220 Millions of U.S. Dollars 218 Millions of U.S. Dollars 218 Millions of U.S. Dollars Mil. of U.S. $
line 16
Nonfinancial noncorporate business 		2025 4,097 Millions of U.S. Dollars 2,655 Millions of U.S. Dollars 2,655 Millions of U.S. Dollars Mil. of U.S. $
line 17
Federal government 		2025 7,588 Millions of U.S. Dollars 7,880 Millions of U.S. Dollars 7,880 Millions of U.S. Dollars Mil. of U.S. $
line 18
State and local governments 		2025 14,479 Millions of U.S. Dollars 5,356 Millions of U.S. Dollars 5,356 Millions of U.S. Dollars Mil. of U.S. $
line 19
U.S.-chartered depository institutions 		2025 126,181 Millions of U.S. Dollars 78,416 Millions of U.S. Dollars 78,416 Millions of U.S. Dollars Mil. of U.S. $
line 20
Foreign banking offices in U.S. 		2025 2,844 Millions of U.S. Dollars 2,418 Millions of U.S. Dollars 2,418 Millions of U.S. Dollars Mil. of U.S. $
line 21
Banks in U.S.-affiliated areas 		2025 569 Millions of U.S. Dollars 1,002 Millions of U.S. Dollars 1,002 Millions of U.S. Dollars Mil. of U.S. $
line 22
Credit unions 		2025 53,221 Millions of U.S. Dollars 40,700 Millions of U.S. Dollars 40,700 Millions of U.S. Dollars Mil. of U.S. $
line 23
Property-casualty insurance companies 		2025 599 Millions of U.S. Dollars -495 Millions of U.S. Dollars -495 Millions of U.S. Dollars Mil. of U.S. $
line 24
Life insurance companies 		2025 63,313 Millions of U.S. Dollars 67,131 Millions of U.S. Dollars 67,131 Millions of U.S. Dollars Mil. of U.S. $
line 25
Private pension funds 		2025 3,386 Millions of U.S. Dollars 3,077 Millions of U.S. Dollars 3,077 Millions of U.S. Dollars Mil. of U.S. $
line 26
State and local govt. retirement funds 		2025 686 Millions of U.S. Dollars 358 Millions of U.S. Dollars 358 Millions of U.S. Dollars Mil. of U.S. $
line 27
Government-sponsored enterprises 		2025 116,505 Millions of U.S. Dollars 127,524 Millions of U.S. Dollars 127,524 Millions of U.S. Dollars Mil. of U.S. $
line 28
Agency- and GSE-backed mortgage pools 		2025 165,291 Millions of U.S. Dollars 173,906 Millions of U.S. Dollars 173,906 Millions of U.S. Dollars Mil. of U.S. $
line 29
ABS issuers 		2025 107,942 Millions of U.S. Dollars 69,983 Millions of U.S. Dollars 69,983 Millions of U.S. Dollars Mil. of U.S. $
line 30
Finance companies 		2025 -5,362 Millions of U.S. Dollars -7,219 Millions of U.S. Dollars -7,219 Millions of U.S. Dollars Mil. of U.S. $
line 31
REITs 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
   

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