Residential Housing Loans
This chart shows the total amount of residential real estate loans held by all commercial banks in the United States from 2003 to 2023.
The data is measured in billions of U.S. dollars and demonstrates a steady increase in residential real estate lending over the period, with notable fluctuations around the 2008 financial crisis.
The chart also highlights periods of U.S. recessions, shaded in grey, indicating times of economic downturn where loan activity may have been impacted. Overall, the trend suggests growth in real estate lending, reflecting the housing market dynamics and economic conditions over the last two decades.
Delinquency Rate
This chart depicts the delinquency rates on loans and leases secured by real estate, specifically for single-family residential mortgages, as recorded by all commercial banks in the U.S. from 1991 to 2023.
The values, measured in millions of dollars, show the total amount of delinquent loans, indicating periods where borrowers were unable to make payments on time.
A significant spike is evident around the 2008 financial crisis, reflecting a sharp increase in mortgage delinquencies due to widespread economic distress and the housing market collapse.
The chart also shows a gradual decline in delinquencies following the crisis, indicating an improvement in the asset quality of residential mortgage loans over time. The shaded areas represent U.S. recessions, highlighting how economic downturns can exacerbate loan delinquencies.
House Price to Income
The chart shows the percentage change in the total amount of revolving home equity loans at U.S. banks each year.
If the line is above zero, the total dollar amount of loans has grown compared to the previous year. If it's below zero, the total dollar amount of loans has decreased.
Sale Price for New Homes
This chart shows shows the trend in the cost of new homes, highlighting how prices have generally increased over the decades.
This information is important because it provides insight into housing market trends, inflation, and the affordability of new homes.
Understanding these trends helps buyers, sellers, and investors make informed decisions about purchasing or selling new homes based on historical price movements.
New Single Family Homes For Sale & Sold
These two charts provide a comprehensive view of the new single-family home market in the United States.
The first chart shows the number of New One-Family Homes for Sale, reflecting the supply side of the market. Higher values indicate a greater inventory of new homes available for purchase, which could lead to more competitive pricing and potentially lower prices if supply outstrips demand.
The second chart shows the number of New One-Family Houses Sold, representing the demand side. Higher sales numbers indicate strong buyer interest and robust market activity, suggesting a healthy economy and consumer confidence. By analyzing these charts together, viewers can gain insights into the balance between supply and demand in the housing market, which is crucial for understanding price trends and market dynamics.
National Months of Supply
This chart measures how long it would take to sell all the new homes on the market at the current sales pace, assuming no new inventory is added.
A higher months supply indicates more inventory relative to the rate of sales, suggesting a buyer's market where there are more homes available than buyers.
Conversely, a lower months supply suggests a seller's market, with fewer homes available and potentially higher prices due to stronger demand.
This chart is crucial for understanding the balance between housing supply and demand, helping to predict price movements and market conditions.
Owner & Renter Occupied Housing Units + Vacancy Rates
These charts provide insights into the availability and utilization of housing in the United States.
The first chart shows the number of Owner-Occupied and Renter-Occupied Housing Units, illustrating the trends in homeownership versus renting. A rise in owner-occupied units indicates more people are purchasing homes, while an increase in renter-occupied units suggests a greater demand for rental properties.
The second chart displays the Vacancy Rates for Owner-Occupied and Renter-Occupied Housing Units. The homeowner vacancy rate (red line) and rental vacancy rate (blue line) indicate the percentage of unoccupied homes and rentals, respectively. Higher vacancy rates can suggest an oversupply in the market or decreased demand, while lower vacancy rates indicate a tighter market with high occupancy levels. Together, these charts help gauge market conditions, demand for housing, and potential economic trends affecting housing decisions.
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