Table Data - Large Bank Consumer Mortgage Originations: Original Back-End Debt-to-Income (DTI): 50th Percentile

Title	Large Bank Consumer Mortgage Originations: Original Back-End Debt-to-Income (DTI): 50th Percentile
Series ID	RCMFLOBEDTIPCT50
Source	Federal Reserve Bank of Philadelphia
Release	FR Y-14M Large Bank Credit Card and Mortgage Data
Seasonal Adjustment	Not Seasonally Adjusted
Frequency	Quarterly, End of Quarter
Units	Ratio
Date Range	2012-07-01 to 2024-07-01
Last Updated	2025-02-20 8:44 AM CST
Notes	The 50th percentile back-end debt-to-income ratio among first lien originations. The back-end DTI ratio is the percentage of a borrower's monthly income that would go toward all the borrower's debt obligations. The total monthly debt payments (including proposed housing expenses) are divided by the total monthlyincome of the borrower. Back-end DTI is reported at origination. These data include total bank loans originated and held in portfolio in a given quarter, including those that will later be sold or securitized. For more detail see: methodology.

DATE	VALUE
2012-07-01	31
2012-10-01	30
2013-01-01	30
2013-04-01	31
2013-07-01	32
2013-10-01	34
2014-01-01	35
2014-04-01	33
2014-07-01	33
2014-10-01	34
2015-01-01	33
2015-04-01	33
2015-07-01	34
2015-10-01	34
2016-01-01	34
2016-04-01	34
2016-07-01	34
2016-10-01	34
2017-01-01	35
2017-04-01	35
2017-07-01	35
2017-10-01	36
2018-01-01	36
2018-04-01	37
2018-07-01	37
2018-10-01	37
2019-01-01	37
2019-04-01	36
2019-07-01	35
2019-10-01	35
2020-01-01	35
2020-04-01	33
2020-07-01	33
2020-10-01	32
2021-01-01	32
2021-04-01	33
2021-07-01	34
2021-10-01	35
2022-01-01	35
2022-04-01	36
2022-07-01	37
2022-10-01	38
2023-01-01	38
2023-04-01	37
2023-07-01	38
2023-10-01	38
2024-01-01	38
2024-04-01	38
2024-07-01	38

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