Despite a short period of decrease after the burst of the U.S. housing bubble and the global financial crisis, the total amount of mortgage debt in the United States has been on the rise in recent years. In 2024, the mortgage debt amounted to 20.83 trillion U.S. dollars, up from 13.5 trillion U.S. dollars a decade ago. Which factors impact the amount of mortgage debt? One of the most important factors responsible for the growth of mortgage debt is the number of home sales: The more home transactions, the more mortgages are sold, adding to the volume of debt outstanding. Additionally, as house prices increase, so does the gross lending and debt outstanding. On the other hand, high numbers of housing unit foreclosures and mortgage debt restructuring and short-sales can reduce mortgage debt. Which property type has the largest share of the mortgage market? The total mortgage debt includes different property types, such as one-to-four family residential, multifamily residential, commercial, and farm, but the overwhelming share of debt can be attributed to mortgage debt one-to-four family residences.

Graph and download economic data for Mortgage Debt Outstanding by Type of Holder: Mortgage Pools or Trust: Federal Home Loan Mortgage Corporation (DISCONTINUED) (MDOTHMPTFHLMC) from Q1 1949 to Q3 2019 about trusts, mortgage, debt, and USA.

As of the final quarter of 2023, one-to-four-family residential mortgages comprised the largest share of mortgage debt outstanding in the United States. The sector accounted for 14 billion U.S. dollars, or roughly 70 percent of the total mortgage debt outstanding.

Graph and download economic data for Mortgage Debt Outstanding by Type of Holder and Property: Major Financial Institutions: Life Insurance Companies for One- to Four-Family Residences (DISCONTINUED) (MDOTHMFILICTP1T4FR) from Q4 1949 to Q3 2019 about major, life, insurance, mortgage, financial, debt, residents, and USA.

The value of mortgage debt outstanding on multifamily residences in the United States has increased substantially in recent years. In 2024, the multifamily mortgage debt outstanding reached over 2.3 trillion U.S. dollars, which was about ten percent of the total mortgage debt outstanding.

Quarterly non-bank outstanding residential mortgages by insurance status, amortization period, total debt service ratio, loan-to-value and, days in arrears, by lender type and number of mortgages, displayed in thousands of dollars, unless otherwise specified.

The value of mortgage debt outstanding on one-to-four-family residences in the United States increased for the tenth year in a row in 2024, exceeding 14.3 trillion U.S. dollars. One-to-four-family residences comprised the largest share of the total mortgage debt outstanding in that year.

United States Mortgage Debt Outstanding: Effective Interest Rate data was reported at 3.799 % in Mar 2020. This records a decrease from the previous number of 3.872 % for Dec 2019. United States Mortgage Debt Outstanding: Effective Interest Rate data is updated quarterly, averaging 7.677 % from Mar 1977 (Median) to Mar 2020, with 173 observations. The data reached an all-time high of 11.449 % in Mar 1985 and a record low of 3.750 % in Dec 2017. United States Mortgage Debt Outstanding: Effective Interest Rate data remains active status in CEIC and is reported by Bureau of Economic Analysis. The data is categorized under Global Database’s United States – Table US.KB025: Mortgage Interest Paid. [COVID-19-IMPACT]

United States - Mortgage Debt Outstanding by Type of Holder and Property: Federal and Related Agencies: Resolution Trust Corporation for Multifamily Residences (DISCONTINUED) was 0.00000 Mil. of $ in July of 2019, according to the United States Federal Reserve. Historically, United States - Mortgage Debt Outstanding by Type of Holder and Property: Federal and Related Agencies: Resolution Trust Corporation for Multifamily Residences (DISCONTINUED) reached a record high of 16265.76000 in January of 1992 and a record low of 0.00000 in April of 1949. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Mortgage Debt Outstanding by Type of Holder and Property: Federal and Related Agencies: Resolution Trust Corporation for Multifamily Residences (DISCONTINUED) - last updated from the United States Federal Reserve on July of 2025.

United States - Mortgage Debt Outstanding by Type of Holder and Property: Mortgage Pools or Trust: Government National Mortgage Association for One- to Four-Family Residences (DISCONTINUED) was 1969932.00000 Mil. of $ in July of 2019, according to the United States Federal Reserve. Historically, United States - Mortgage Debt Outstanding by Type of Holder and Property: Mortgage Pools or Trust: Government National Mortgage Association for One- to Four-Family Residences (DISCONTINUED) reached a record high of 1969932.00000 in July of 2019 and a record low of 0.00000 in April of 1949. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Mortgage Debt Outstanding by Type of Holder and Property: Mortgage Pools or Trust: Government National Mortgage Association for One- to Four-Family Residences (DISCONTINUED) - last updated from the United States Federal Reserve on July of 2025.

The value of mortgage debt outstanding on commercial property in the United States has increased year-on-year since 2012. From 2.2 trillion U.S. dollars in 2012, the value of commercial mortgage debt outstanding reached 3.84 trillion U.S. dollars in 2024. After the residential sector, commercial property accounted for the second-largest share of the total mortgage debt outstanding.

United States Mortgage Debt: Federal: Farmers Home Administration (FMHA) data was reported at 103.864 USD bn in Jun 2018. This records an increase from the previous number of 102.903 USD bn for Mar 2018. United States Mortgage Debt: Federal: Farmers Home Administration (FMHA) data is updated quarterly, averaging 40.739 USD bn from Mar 1949 (Median) to Jun 2018, with 278 observations. The data reached an all-time high of 103.864 USD bn in Jun 2018 and a record low of 193.000 USD mn in Mar 1949. United States Mortgage Debt: Federal: Farmers Home Administration (FMHA) data remains active status in CEIC and is reported by Federal Reserve Board. The data is categorized under Global Database’s USA – Table US.KB009: Mortgage Debt Outstanding.

The total amount of outstanding residential mortgage lending in Germany grew quarterly since the second quarter of 2014. This value increased to nearly *** trillion euros by the fourth quarter of 2024. Along with the United Kingdom and France, Germany was one of three European countries that exceeded *** trillion in outstanding residential mortgage lending.

United States Mortgage Debt: Federal: Fedl Housing Adm & Dep of Vet Affairs (FHA) data was reported at 14.069 USD bn in 2017. This records an increase from the previous number of 13.357 USD bn for 2016. United States Mortgage Debt: Federal: Fedl Housing Adm & Dep of Vet Affairs (FHA) data is updated yearly, averaging 3.712 USD bn from Dec 1949 (Median) to 2017, with 69 observations. The data reached an all-time high of 14.069 USD bn in 2017 and a record low of 27.000 USD mn in 1949. United States Mortgage Debt: Federal: Fedl Housing Adm & Dep of Vet Affairs (FHA) data remains active status in CEIC and is reported by Federal Reserve Board. The data is categorized under Global Database’s United States – Table US.KB010: Mortgage Debt Outstanding: Annual.

Hong Kong HK: Residential Mortgage: Value: Outstanding Loans (OL) data was reported at 1,289,396.000 HKD mn in Sep 2018. This records an increase from the previous number of 1,277,007.000 HKD mn for Aug 2018. Hong Kong HK: Residential Mortgage: Value: Outstanding Loans (OL) data is updated monthly, averaging 634,292.500 HKD mn from Dec 2000 (Median) to Sep 2018, with 214 observations. The data reached an all-time high of 1,289,396.000 HKD mn in Sep 2018 and a record low of 518,724.000 HKD mn in Feb 2001. Hong Kong HK: Residential Mortgage: Value: Outstanding Loans (OL) data remains active status in CEIC and is reported by Hong Kong Monetary Authority. The data is categorized under Global Database’s Hong Kong SAR – Table HK.KB006: Residential Property Loans: Residential Mortgage Survey: Value.

This table contains 80 series, with data starting from 1982 (not all combinations necessarily have data for all years). This table contains data described by the following dimensions (Not all combinations are available): Geography (1 item: Canada); Mortgages (4 items: Total, mortgage loans outstanding; Mortgages in Canada outstanding; Mortgage loans outside Canada outstanding; Allowance for credit losses); Increases and decreases (15 items: Total, increases and decreases; Gross increase; Cash disbursement of principal; Purchases of mortgages from; ...); Type of mortgage (7 items: Total, mortgages; Total, residential mortgages; Residential mortgages, insured; Residential mortgages, uninsured; ...).

The home mortgage debt of households and nonprofit organizations amounted to approximately 13.46 trillion U.S. dollars in the first quarter of 2025. Mortgage debt has been growing steadily since 2014, when it was less than ten billion U.S. dollars and has increased at a faster rate since the beginning of the coronavirus pandemic due to the housing market boom. Home mortgage sector in the United States Home mortgage sector debt in the United States has been steadily growing in recent years and is beginning to come out of a period of great difficulty and problems presented to it by the economic crisis of 2008. For the previous generations in the United States, the real estate market was quite stable. Financial institutions were extending credit to millions of families and allowed them to achieve ownership of their own homes. The growth of the subprime mortgages and, which went some way to contributing to the record of the highest US homeownership rate since records began, meant that many families deemed to be not quite creditworthy were provided the opportunity to purchase homes. The rate of home mortgage sector debt rose in the United States as a direct result of the less stringent controls that resulted from the vetted and extended terms from which loans originated. There was a great deal more liquidity in the market, which allowed greater access to new mortgages. The practice of packaging mortgages into securities, and their subsequent sale into the secondary market as a way of shifting risk, was to be a major factor in the formation of the American housing bubble, one of the greatest contributing factors to the global financial meltdown of 2008.

United States - Mortgage Debt Outstanding by Type of Holder and Property: Mortgage Pools or Trust: Private Mortgage Conduits for One- to Four-Family Residences (DISCONTINUED) was 452170.66000 Mil. of $ in July of 2019, according to the United States Federal Reserve. Historically, United States - Mortgage Debt Outstanding by Type of Holder and Property: Mortgage Pools or Trust: Private Mortgage Conduits for One- to Four-Family Residences (DISCONTINUED) reached a record high of 2354889.03000 in April of 2007 and a record low of 0.00000 in April of 1949. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Mortgage Debt Outstanding by Type of Holder and Property: Mortgage Pools or Trust: Private Mortgage Conduits for One- to Four-Family Residences (DISCONTINUED) - last updated from the United States Federal Reserve on July of 2025.

Graph and download economic data for Mortgage Debt Outstanding by Type of Holder and Property: Individuals and Other Holders for Multifamily Residences (DISCONTINUED) (MDOTHIOHTPMFR) from Q4 1949 to Q3 2019 about multifamily, mortgage, family, debt, residents, and USA.

Graph and download economic data for Mortgage Debt Outstanding by Type of Holder and Property: Federal and Related Agencies: Federal Housing Administration and Department of Veterans Affairs for One- to Four-Family Residences (DISCONTINUED) (MDOTHFRAFHADVATP1T4FR) from Q1 1949 to Q3 2019 about 1 to 4 unit structures, veterans, agency, mortgage, family, debt, residents, federal, and USA.