Monthly credit aggregates, January 2024

Household borrowing

In January, the total credit liabilities of households grew by $8.8 billion (+0.3%) to reach $2,928.6 billion. Real estate secured debt, composed of both mortgage debt and home equity lines of credit, increased $6.2 billion (+0.3%). Household mortgage debt rose $5.4 billion (+0.2%), a deceleration in growth compared with December (+0.3%). Compared with January 2023, household mortgage debt increased 3.4% in January 2024, marking the slowest year-over-year increase since April 2001.

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