The 4,313 FDIC-insured banks and savings institutions held $2,956.3B in loans secured by one- to four-family homes on June 30, 2026, according to FDIC data. That included $307.5B in home equity lines of credit. A year earlier the total was $2,910.8B, with $289.8B in HELOCs.
0.63% of those loans were 90 days or more past due and still accruing interest, up from 0.50% in June 2025. Another 0.78% were on nonaccrual, meaning the bank has stopped booking interest because it doubts it will be paid (0.77% a year earlier). 0.59% were 30 to 89 days past due (0.61%).
JPMorgan Chase Bank, N.A. held the most, $322.3B, followed by Bank of America, N.A. ($255.6B) and Wells Fargo Bank, N.A. ($233.4B). The 10 largest holders had 47.2% of the total.
The 25 largest holders
| Bank | Home state | 1–4 family loans | Of which HELOCs | 30–89 days past due | 90+ days past due | Nonaccrual |
|---|---|---|---|---|---|---|
| JPMorgan Chase Bank, N.A. | OH | $322.3B | $13.8B | 0.33% | 0.02% | 1.36% |
| Bank of America, N.A. | NC | $255.6B | $26.9B | 0.58% | 0.08% | 0.92% |
| Wells Fargo Bank, N.A. | SD | $233.4B | $9.5B | 0.64% | 0.62% | 1.13% |
| U.S. Bank N.A. | OH | $134.2B | $11.2B | 0.45% | 3.13% | 0.23% |
| Citibank, N.A. | SD | $124.2B | $2.5B | 0.31% | 0.10% | 0.61% |
| PNC Bank, N.A. | DE | $76.2B | $22.7B | 0.77% | 0.31% | 1.35% |
| Morgan Stanley Private Bank, N.A. | NY | $75.6B | $0.2B | 0.20% | 0.00% | 0.26% |
| Truist Bank | NC | $68.3B | $9.7B | 1.05% | 0.88% | 0.49% |
| Citizens Bank, N.A. | RI | $57.6B | $20.1B | 0.39% | 1.01% | 0.93% |
| The Huntington National Bank | OH | $47.4B | $9.6B | 1.44% | 0.85% | 0.77% |
| TD Bank, N.A. | DE | $43.3B | $7.5B | 0.23% | 0.33% | 0.97% |
| Charles Schwab Bank, Ssb | TX | $33.2B | $0.3B | 0.34% | 0.00% | 0.05% |
| Ubs Bank USA, N.A. | UT | $32.7B | $0.0B | 0.02% | 0.00% | 0.32% |
| Manufacturers and Traders Trust Company | NY | $30.3B | $4.9B | 2.23% | 2.35% | 1.11% |
| BMO Bank N.A. | IL | $27.8B | $4.6B | 0.12% | 0.06% | 0.89% |
| Fifth Third Bank, N.A. | OH | $26.8B | $6.4B | 0.55% | 1.03% | 1.14% |
| City National Bank | CA | $25.9B | $1.4B | 0.33% | 0.00% | 0.72% |
| Regions Bank | AL | $25.0B | $3.3B | 0.87% | 0.85% | 0.28% |
| First-citizens Bank & Trust Company | NC | $24.5B | $2.9B | 0.75% | 0.03% | 0.94% |
| Keybank N.A. | OH | $23.8B | $2.9B | 0.17% | 0.07% | 0.75% |
| Midfirst Bank | OK | $21.5B | $0.6B | 7.47% | 27.74% | 0.12% |
| HSBC Bank USA, N.A. | VA | $20.0B | $0.4B | 0.81% | 0.00% | 1.08% |
| Western Alliance Bank | AZ | $19.6B | $1.6B | 1.16% | 6.54% | 0.09% |
| Goldman Sachs Bank USA | NY | $18.4B | $0.5B | 1.68% | 0.00% | 0.17% |
| East West Bank | CA | $18.1B | $2.1B | 0.61% | 0.00% | 0.39% |
Sorted by one- to four-family residential loans held, June 30, 2026. Past-due and nonaccrual shares are our calculations, as a percentage of each bank's one- to four-family loans. The CSV has all 4,313 institutions; amounts there are in thousands of dollars.
What these numbers are
These are loans banks hold on their own balance sheets. For scale, households owed $14.01 trillion on one- to four-family mortgages at the end of the second quarter of 2026, according to the Federal Reserve. Most of that debt is not held by banks: it is packaged into Fannie Mae, Freddie Mac and Ginnie Mae securities, and many of the loans are made and serviced by nonbank lenders. Credit unions file with the NCUA and are not included. A bank that services a loan for someone else does not report it here. Each bank is listed under the state of its main office, which is not necessarily where its borrowers live.
Source
Federal Deposit Insurance Corporation, BankFind Suite financial data from Call Reports (fields LNRERES, LNRELOC, P3RERES, P9RERES and NARERES), report dates June 30, 2026 and June 30, 2025, retrieved through the FDIC API on October 28, 2026. Household mortgage debt: Federal Reserve Financial Accounts of the United States, FRED series HHMSDODNS. U.S. government data in the public domain. Our table is available under CC BY 4.0. Credit "My Credit Guide (mycreditguide.org)".
Steven Reynolds, "Bank Home Loans: Balances and Delinquency," My Credit Guide, October 28, 2026, https://mycreditguide.org/data/bank-home-loans/.