Holdings of first-lien mortgages at commercial banks and savings institutions increased just 0.3% from the end of the third quarter to the fourth. All of the increase was driven by a 14.6% jump in holding of adjustable-rate mortgages. (Includes data table.)

Holdings of first-lien residential mortgages at banks and thrifts slightly increased by 0.4% during the third quarter of 2025. But two of the four largest players in the market reduced their holdings.

Banks and thrifts increased their holdings of first-lien mortgages by 0.7% during the second quarter of 2025 compared to the end of March. (Includes data table.)