Outstanding Loans, Commercial Banks, of Which: Household Sector Loans in United States
United States: Outstanding Loans, Commercial Banks, of Which: Household Sector Loans was 4.92 trillion in 2025. ▲ Rising
Outstanding Loans, Commercial Banks, of Which: Household Sector Loans in United States, 2004–2025
Source: International Monetary Fund.
Analysis
The most recent figure for outstanding loans, commercial banks, of which: household sector loans in United States is 4.92 trillion, measured in 2025.
Compared with earlier readings it is down 0.1% on the previous year and up 28.9% over ten years.
Over the whole period, outstanding loans, commercial banks, of which: household sector loans in United States peaked at 5.11 trillion in 2023 and was at its lowest, 3.01 trillion, in 2004.
That places United States 20th out of 134 countries with data for 2025, putting it in the top quarter.
The long-run direction has been consistently rising across the 22 years of available data.
Outstanding Loans, Commercial Banks, of Which: Household Sector Loans in United States, year by year
| Year | Value | Change |
|---|---|---|
| 2004 | 3.01 trillion | — |
| 2005 | 3.26 trillion | +8.2% |
| 2006 | 3.47 trillion | +6.5% |
| 2007 | 3.66 trillion | +5.4% |
| 2008 | 3.63 trillion | -0.6% |
| 2009 | 3.46 trillion | -4.9% |
| 2010 | 3.71 trillion | +7.2% |
| 2011 | 3.67 trillion | -1.0% |
| 2012 | 3.65 trillion | -0.6% |
| 2013 | 3.59 trillion | -1.5% |
| 2014 | 3.67 trillion | +2.1% |
| 2015 | 3.81 trillion | +4.0% |
| 2016 | 3.98 trillion | +4.4% |
| 2017 | 4.08 trillion | +2.4% |
| 2018 | 4.18 trillion | +2.7% |
| 2019 | 4.43 trillion | +5.7% |
| 2020 | 4.25 trillion | -3.9% |
| 2021 | 4.43 trillion | +4.1% |
| 2022 | 4.95 trillion | +11.9% |
| 2023 | 5.11 trillion | +3.1% |
| 2024 | 4.92 trillion | -3.6% |
| 2025 | 4.92 trillion | -0.1% |
United States compared with similar countries
- United States's 4.92 trillion is above the median for high income countries, which is 248.79 billion, 19.8× the median. (52 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 3.41 trillion | 3.01 trillion | 3.66 trillion | 6 |
| 2010s | 3.88 trillion | 3.59 trillion | 4.43 trillion | 10 |
| 2020s | 4.76 trillion | 4.25 trillion | 5.11 trillion | 6 |
Countries ranked near United States
More financial sector data for United States
- Reserve position in the IMF, US dollar, annual growth rate 17.82 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.001 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 89.64 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 12.2 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.0007 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 65.46 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 17.82 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.001 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 89.64 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 12.2 % change on previous year (2025)
Frequently asked questions
- What is outstanding loans, commercial banks, of which: household sector loans in United States?
- Outstanding loans, commercial banks, of which: household sector loans in United States was 4.92 trillion in 2025, according to International Monetary Fund.
- What is the highest outstanding loans, commercial banks, of which: household sector loans recorded in United States?
- The highest recorded value was 5.11 trillion in 2023.
- What is the lowest outstanding loans, commercial banks, of which: household sector loans recorded in United States?
- The lowest recorded value was 3.01 trillion in 2004.
- How does United States rank for outstanding loans, commercial banks, of which: household sector loans?
- United States ranks 20th out of 134 countries with data for 2025.
- Is outstanding loans, commercial banks, of which: household sector loans rising or falling in United States?
- Over the last ten years it is up 28.9%. The long-run trend across the full record is rising.
- Where does this United States data come from?
- The figures come from International Monetary Fund, published as part of Outstanding Loans, Commercial Banks, of Which: Household Sector Loans. Statizoid updates them automatically from the source API.
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About this data
Gender-disaggregated data on access to and use of financial services.