U.S. real estate loans charge-off rate at commercial banks 2022

In the second quarter of 2022, the charge-off rate on residential real estate loans at commercial banks in the United States stood at -0.03 percent. For all real estate loans, the charge-off rate was -0.01 percent.

Charge-off rates of real estate loans at commercial banks in the United States from 2000 to Q2 2022

Characteristic	Real estate loans	Residential*	Commercial**
Q2 2022	-0.01%	-0.03%	0%
Q1 2022	-0.01%	-0.02%	0%
Q4 2021	0.01%	-0.02%	0.03%
Q3 2021	-0.01%	-0.05%	0.04%
Q2 2021	0%	-0.05%	0.05%
Q1 2021	0.01%	-0.03%	0.05%
Q4 2020	0.07%	-0.02%	0.15%
Q3 2020	0.06%	-0.01%	0.13%
Q2 2020	0.04%	-0.01%	0.07%
Q1 2020	0%	-0.02%	0.02%
Q4 2019	0.02%	0.01%	0.03%
Q3 2019	-0.01%	-0.04%	0.02%
Q2 2019	-0.01%	-0.03%	0.02%
Q1 2019	0.02%	0.01%	0.03%
Q4 2018	0.01%	0%	0.02%
Q3 2018	0%	-0.02%	0.02%
Q2 2018	0%	-0.02%	0.01%
Q1 2018	0.02%	0.03%	0%
Q4 2017	0.03%	0.02%	0.04%
Q3 2017	0.03%	0.04%	0.02%
Q2 2017	0.02%	0.03%	0.01%
Q1 2017	0.04%	0.07%	0%
Q4 2016	0.05%	0.07%	0.03%
Q3 2016	0.05%	0.1%	-0.01%
Q2 2016	0.06%	0.1%	0.01%
Q1 2016	0.07%	0.14%	-0.01%
Q4 2015	0.14%	0.21%	0.05%
Q3 2015	0.09%	0.14%	0.03%
Q2 2015	0.12%	0.2%	0.04%
Q1 2015	0.17%	0.28%	0.02%
Q4 2014	0.18%	0.27%	0.08%
Q3 2014	0.18%	0.26%	0.05%
Q2 2014	0.19%	0.26%	0.09%
Q1 2014	0.23%	0.36%	0.06%
Q4 2013	0.35%	0.49%	0.19%
Q3 2013	0.37%	0.48%	0.2%
Q2 2013	0.54%	0.73%	0.3%
Q1 2013	0.67%	0.9%	0.35%
Q4 2012	0.89%	1.07%	0.67%
Q3 2012	1.28%	1.74%	0.67%
Q2 2012	1.02%	1.23%	0.76%
Q1 2012	1.1%	1.39%	0.75%
Q4 2011	1.34%	1.39%	1.35%
Q3 2011	1.38%	1.51%	1.29%
Q2 2011	1.54%	1.67%	1.44%
Q1 2011	1.58%	1.71%	1.51%
Q4 2010	2.13%	1.98%	2.51%
Q3 2010	2.04%	1.9%	2.38%
Q2 2010	2.16%	2.13%	2.37%
Q1 2010	2.27%	2.44%	2.1%
Q4 2009	2.9%	2.78%	3.27%
Q3 2009	2.4%	2.42%	2.54%
Q2 2009	2.23%	2.31%	2.27%
Q1 2009	1.55%	1.81%	1.32%
Q4 2008	1.86%	1.64%	2.26%
Q3 2008	1.45%	1.82%	1.11%
Q2 2008	1.04%	1.17%	0.94%
Q1 2008	0.66%	0.85%	0.46%
Q4 2007	0.44%	0.47%	0.43%
Q3 2007	0.21%	0.25%	0.16%
Q2 2007	0.15%	0.18%	0.12%
Q1 2007	0.11%	0.15%	0.06%
Q4 2006	0.13%	0.13%	0.13%
Q3 2006	0.07%	0.1%	0.04%
Q2 2006	0.06%	0.08%	0.04%
Q1 2006	0.06%	0.09%	0.02%
Q4 2005	0.07%	0.09%	0.05%
Q3 2005	0.06%	0.07%	0.05%
Q2 2005	0.06%	0.07%	0.05%
Q1 2005	0.06%	0.08%	0.04%
Q4 2004	0.1%	0.1%	0.09%
Q3 2004	0.08%	0.09%	0.06%
Q2 2004	0.09%	0.1%	0.07%
Q1 2004	0.1%	0.12%	0.06%
Q4 2003	0.26%	0.35%	0.13%
Q3 2003	0.14%	0.12%	0.15%
Q2 2003	0.15%	0.15%	0.13%
Q1 2003	0.12%	0.14%	0.09%
Q4 2002	0.18%	0.16%	0.2%
Q3 2002	0.15%	0.15%	0.14%
Q2 2002	0.14%	0.16%	0.12%
Q1 2002	0.15%	0.15%	0.14%
Q4 2001	0.22%	0.21%	0.21%
Q3 2001	0.3%	0.45%	0.12%
Q2 2001	0.13%	0.16%	0.08%
Q1 2001	0.11%	0.13%	0.09%
Q4 2000	0.12%	0.15%	0.08%
Q3 2000	0.09%	0.11%	0.05%
Q2 2000	0.08%	0.1%	0.04%
Q1 2000	0.07%	0.1%	0.03%

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Release date

August 2022

More information

Region

United States

Survey time period

2000 to Q2 2022

Supplementary notes

* Residential real estate loans include loans secured by one- to four-family properties, including home equity lines of credit, booked in domestic offices, only.
** Commercial real estate loans include construction and land development loans, loans secured by multifamily residences, and loans secured by nonfarm, nonresidential real estate, booked in domestic offices, only.
Quarterly figures, not seasonally adjusted.
Charge-offs, which are the value of loans removed from the books and charged against loss reserves, are measured net of recoveries as a percentage of average loans and annualized. Includes only U.S.-chartered commercial banks.

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