Annual

F.218 Home 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 borrowing 		2025 415,164 Millions of U.S. Dollars 392,769 Millions of U.S. Dollars 392,769 Millions of U.S. Dollars Mil. of U.S. $
line 2
Household sector 		2025 389,990 Millions of U.S. Dollars 367,923 Millions of U.S. Dollars 367,923 Millions of U.S. Dollars Mil. of U.S. $
line 3
Nonfinancial corporate business 		2025 333 Millions of U.S. Dollars -1,466 Millions of U.S. Dollars -1,466 Millions of U.S. Dollars Mil. of U.S. $
line 4
Nonfinancial noncorporate business 		2025 24,841 Millions of U.S. Dollars 26,312 Millions of U.S. Dollars 26,312 Millions of U.S. Dollars Mil. of U.S. $
line 5
Net change in assets 		2025 415,164 Millions of U.S. Dollars 392,769 Millions of U.S. Dollars 392,769 Millions of U.S. Dollars Mil. of U.S. $
line 6
Household sector 		2025 -3,488 Millions of U.S. Dollars -3,488 Millions of U.S. Dollars -3,488 Millions of U.S. Dollars Mil. of U.S. $
line 7
Nonfinancial corporate business 		2025 269 Millions of U.S. Dollars 224 Millions of U.S. Dollars 224 Millions of U.S. Dollars Mil. of U.S. $
line 8
Nonfinancial noncorporate business 		2025 570 Millions of U.S. Dollars 501 Millions of U.S. Dollars 501 Millions of U.S. Dollars Mil. of U.S. $
line 9
Federal government 		2025 2,438 Millions of U.S. Dollars 2,704 Millions of U.S. Dollars 2,704 Millions of U.S. Dollars Mil. of U.S. $
line 10
State and local governments 		2025 7,499 Millions of U.S. Dollars 2,799 Millions of U.S. Dollars 2,799 Millions of U.S. Dollars Mil. of U.S. $
line 11
U.S.-chartered depository institutions 		2025 56,307 Millions of U.S. Dollars 39,129 Millions of U.S. Dollars 39,129 Millions of U.S. Dollars Mil. of U.S. $
line 12
Foreign banking offices in U.S. 		2025 159 Millions of U.S. Dollars 288 Millions of U.S. Dollars 288 Millions of U.S. Dollars Mil. of U.S. $
line 13
Banks in U.S.-affiliated areas 		2025 442 Millions of U.S. Dollars 466 Millions of U.S. Dollars 466 Millions of U.S. Dollars Mil. of U.S. $
line 14
Credit unions 		2025 53,215 Millions of U.S. Dollars 40,700 Millions of U.S. Dollars 40,700 Millions of U.S. Dollars Mil. of U.S. $
line 15
Life insurance companies 		2025 35,492 Millions of U.S. Dollars 33,410 Millions of U.S. Dollars 33,410 Millions of U.S. Dollars Mil. of U.S. $
line 16
Private pension funds 		2025 186 Millions of U.S. Dollars 196 Millions of U.S. Dollars 196 Millions of U.S. Dollars Mil. of U.S. $
line 17
State and local govt. retirement funds 		2025 22 Millions of U.S. Dollars 144 Millions of U.S. Dollars 144 Millions of U.S. Dollars Mil. of U.S. $
line 18
Government-sponsored enterprises 		2025 17,516 Millions of U.S. Dollars 51,273 Millions of U.S. Dollars 51,273 Millions of U.S. Dollars Mil. of U.S. $
line 19
Agency- and GSE-backed mortgage pools 		2025 173,034 Millions of U.S. Dollars 172,537 Millions of U.S. Dollars 172,537 Millions of U.S. Dollars Mil. of U.S. $
line 20
ABS issuers 		2025 48,536 Millions of U.S. Dollars 45,290 Millions of U.S. Dollars 45,290 Millions of U.S. Dollars Mil. of U.S. $
line 21
Finance companies 		2025 -6,615 Millions of U.S. Dollars -6,150 Millions of U.S. Dollars -6,150 Millions of U.S. Dollars Mil. of U.S. $
line 22
REITs 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
Memo:
line 23
Charge-offs 		2025 4,299 Millions of U.S. Dollars 4,089 Millions of U.S. Dollars 4,089 Millions of U.S. Dollars Mil. of U.S. $
line 24
Home equity loans included above 		2025 61,913 Millions of U.S. Dollars 50,662 Millions of U.S. Dollars 50,662 Millions of U.S. Dollars Mil. of U.S. $
line 25
U.S.-chartered depository institutions 		2025 23,310 Millions of U.S. Dollars 17,873 Millions of U.S. Dollars 17,873 Millions of U.S. Dollars Mil. of U.S. $
line 26
Foreign banking offices in U.S. 		2025 160 Millions of U.S. Dollars 304 Millions of U.S. Dollars 304 Millions of U.S. Dollars Mil. of U.S. $
line 27
Credit unions 		2025 23,280 Millions of U.S. Dollars 23,631 Millions of U.S. Dollars 23,631 Millions of U.S. Dollars Mil. of U.S. $
line 28
ABS issuers 		2025 16,497 Millions of U.S. Dollars 10,096 Millions of U.S. Dollars 10,096 Millions of U.S. Dollars Mil. of U.S. $
line 29
Finance companies 		2025 -1,334 Millions of U.S. Dollars -1,242 Millions of U.S. Dollars -1,242 Millions of U.S. Dollars Mil. of U.S. $
   

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