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Senior Loan Officer Opinion Survey on Bank Lending Practices, Release Date: 2024-02-05

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Name
Senior Loan Officer Opinion Survey on Bank Lending Practices

Link
http://www.federalreserve.gov/boarddocs/SnLoanSurvey/

Source
Board of Governors of the Federal Reserve System (US)

Notes
For further information, please refer to the Board of Governors of the Federal Reserve System's Senior Loan Officer Opinion Survey on Bank Lending Practices release, online at http://www.federalreserve.gov/boarddocs/SnLoanSurvey/. For questions on the data, please contact the data source: https://www.federalreserve.gov/apps/ContactUs/feedback.aspx?refurl=/data/SLOOS% For questions on FRED functionality, please contact: https://fred.stlouisfed.org/contactus/

639 Series Revisions

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Number of Large Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Shifts in Customer Borrowing to Other Bank or Nonbank Sources Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWSNLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 3.0

Net Percentage of Domestic Banks Tightening Standards for Prime Mortgage Loans (DISCONTINUED) Quarterly, Not Seasonally Adjusted, DRTSPM
Units # of New/Revised Obs. Last Observation Percent 0 Q4 2014 -11.1

Net Percentage of Domestic Banks Increasing Spreads of Loan Rates over Banks' Cost of Funds on Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLATSNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 26.1

Net Percentage of Large Domestic Banks Tightening Loan Covenants for Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTLLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 11.1

Net Percentage of Large Domestic Banks Reducing the Maximum Size of Consumer Loans Excluding Credit Card and Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLXTMLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -6.3

Number of Large Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Increased Customer Internally Generated Funds Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWGVLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 0.0

Net Percentage of Large Domestic Banks Tightening Standards for Commercial and Industrial Loans to Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISSLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 10.5

Net Percentage of Domestic Banks Increasing the Minimum Required Credit Score for Credit Card Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLCTRNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 14.9

Net Percentage of Domestic Banks Reducing the Maximum Size of Credit Lines for Large and Middle-Market Firms Quarterly, Not Seasonally Adjusted, SUBLPDCILTMNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 16.1

Net Percentage of Large Domestic Banks Increasing the Minimum Required Down Payment on Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLATDLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 7.1

Net Percentage of Large Domestic Banks Tightening Standards for Commercial Real Estate Loans Secured by Nonfarm Nonresidential Structures Quarterly, Not Seasonally Adjusted, SUBLPDRCSNLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 33.3

Number of Domestic Banks That Tightened and Reported That Increase in Defaults by Borrowers in Public Debt Markets Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTDNNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q1 2011 8.0

Net Percentage of Domestic Banks Tightening Loan Covenants for Large and Middle-Market Firms Quarterly, Not Seasonally Adjusted, SUBLPDCILTLNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 19.4

Net Percentage of Domestic Banks Reporting Stronger Demand for Non-Qualified Mortgage Jumbo Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMDKNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -54.2

Net Percentage of Large Domestic Banks Reducing the Maximum Maturity of Credit Lines for Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTALGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 11.1

Net Percentage of Foreign Banks Tightening Loan Covenants Quarterly, Not Seasonally Adjusted, SUBLPFCITLNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 10.5

Net Percentage of Other Domestic Banks Reporting Stronger Demand for Subprime Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMDSOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -41.7

Net Percentage of Other Domestic Banks Tightening Standards for Consumer Loans Excluding Credit Card and Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLXSOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 10.8

Number of Domestic Banks That Tightened and Reported That Worsening of Industry-Specific Problems Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTISNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 9.0

Number of Large Domestic Banks That Tightened and Reported That Less Favorable Economic Outlook Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTOSLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 5.0

Number of Domestic Banks That Tightened and Reported That Less Favorable Economic Outlook Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTOVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 8.0

Net Percentage of Domestic Banks Increasing the Minimum Required Credit Score for Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLATRNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 2.2

Number of Large Domestic Banks That Tightened and Reported That Deterioration in Current or Expected Capital Position Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTCNLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 6.0

Number of Other Domestic Banks That Eased and Reported That Improvement in Current or Expected Capital Position Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRECSOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 1.0

Number of Large Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Customers' Transitioning from Commercial and Industrial Loans to Commercial Real Estate Loans Was Not an Important Reason (DISCONTINUED) Quarterly, Not Seasonally Adjusted, SUBLPDCIRWRNLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q3 2013 6.0

Net Percentage of Domestic Banks Reporting Stronger Demand Across Loan Categories, Weighted by Banks' Outstanding Loan Balances by Category Quarterly, Not Seasonally Adjusted, SUBLPDMODXWBNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -29.8

Number of Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Investment in Plant or Equipment Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRSEVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 0.0

Net Percentage of Foreign Banks Increasing the Use of Interest Rate Floors Quarterly, Not Seasonally Adjusted, SUBLPFCITFNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 0.0

Net Percentage of Domestic Banks Reporting Increased Willingness to Make Consumer Installment Loans, Weighted to Differentiate "much More Willing" and "much Less Willing" Responses (DISCONTINUED) Quarterly, Not Seasonally Adjusted, SUBLPDCLIWXWFRNQ
Units # of New/Revised Obs. Last Observation Percent 0 Q3 2017 7.4

Net Percentage of Domestic Banks Reducing the Maximum Maturity of Credit Lines for Large and Middle-Market Firms Quarterly, Not Seasonally Adjusted, SUBLPDCILTANQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 3.3

Number of Domestic Banks That Eased and Reported That More Favorable Economic Outlook Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREOSNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 1.0

Number of Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Shifts in Customer Borrowing to Other Bank or Nonbank Sources Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWSNNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 12.0

Net Percentage of Large Domestic Banks Tightening Standards for Non-Qualified Mortgage Jumbo Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMSKLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 5.9

Net Percentage of Other Domestic Banks Tightening Standards for Qualified Mortgage Non-Jumbo, Non-GSE-Eligible Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMSQOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 17.1

Number of Foreign Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Inventory Financing Needs Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRSIVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q3 2022 0.0

Number of Large Domestic Banks That Eased and Reported That Improvement in Industry-Specific Problems Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREISLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 0.0

Number of Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customers' Precautionary Demand for Cash and Liquidity Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRSPNNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 3.0

Number of Other Domestic Banks That Tightened and Reported That Increase in Defaults by Borrowers in Public Debt Markets Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTDVOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q1 2011 0.0

Net Percentage of Other Domestic Banks Tightening Loan Covenants for Large and Middle-Market Firms Quarterly, Not Seasonally Adjusted, SUBLPDCILTLOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 25.0

Number of Foreign Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Decreased Customer Internally Generated Funds Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRSGVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q3 2022 0.0

Net Percentage of Large Domestic Banks Reducing the Maximum Size of Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLATMLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -7.1

Net Percentage of Large Domestic Banks Increasing the Minimum Required Credit Score for Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLATRLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 0.0

Net Percentage of Domestic Banks Reducing Credit Limits on Credit Card Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLCTCNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 19.1

Net Percentage of Large Domestic Banks Tightening Policies on Auto Loans to Customers That Do Not Meet Credit Scoring Thresholds Quarterly, Not Seasonally Adjusted, SUBLPDCLATELGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 0.0

Net Percentage of Large Domestic Banks Tightening Standards for Consumer Loans Excluding Credit Card and Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLXSLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 50.0

Net Percentage of Large Domestic Banks Increasing the Minimum Required Credit Score for Credit Card Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLCTRLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 15.0

Net Percentage of Domestic Banks Reducing the Maximum Size Credit Lines for Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTMNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 15.5

Net Percentage of Large Domestic Banks Increasing Spreads of Loan Rates over Banks' Cost of Funds to Large and Middle-Market Firms Quarterly, Not Seasonally Adjusted, SUBLPDCILTSLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 22.7

Net Percentage of Large Domestic Banks Reporting Stronger Demand for Commercial Real Estate Loans Secured by Nonfarm Nonresidential Structures Quarterly, Not Seasonally Adjusted, SUBLPDRCDNLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -52.4

Net Percentage of Large Domestic Banks Tightening Standards for Commercial Real Estate Loans Secured by Multifamily Residential Structures Quarterly, Not Seasonally Adjusted, SUBLPDRCSMLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 23.8