Monitoring High Credit Growth: The Link Between Local Deposits and CRE Lending

Dulce Lopez Cruz, Teodora Paligorova and Toshihide Yorozu

No 2026-05-01-2, FEDS Notes from Board of Governors of the Federal Reserve System (U.S.)

Abstract: Outstanding mortgage debt in the commercial real estate (CRE) sector totaled $6 trillion at the end of 2024 including owner-occupied and nonowner-occupied real estate, multifamily mortgages, and loans backed by acquisition, development, and construction projects. Banks hold half of all CRE debt, with regional and small institutions (under $100 billion in assets) collectively accounting for a larger share of this lending than their larger counterparts with assets over $100 billion.

Date: 2026-05-01
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Persistent link: https://EconPapers.repec.org/RePEc:fip:fedgfn:103192

DOI: 10.17016/2380-7172.4039

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