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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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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

Net Percentage of Large Domestic Banks Reporting Stronger Demand for Commercial and Industrial Loans from Large and Middle-Market Firms Quarterly, Not Seasonally Adjusted, SUBLPDCILDLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -27.3

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 Increasing Spreads of Interest Rates over Banks' Cost of Funds on Credit Card Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLCTSOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 11.1

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 Reporting Increased Willingness to Make Consumer Installment Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLIWLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -26.3

Net Percentage of Other Domestic Banks Tightening Standards for Commercial and Industrial Loans to Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISSOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 22.5

Number of Other Domestic Banks That Tightened and Reported That Reduced Tolerance for Risk Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTRNOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 7.0

Net Percentage of Other Domestic Banks Tightening Standards for HELOCs Quarterly, Not Seasonally Adjusted, SUBLPDCLHSOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 16.7

Net Percentage of Other Domestic Banks Tightening Standards for Commercial Real Estate Loans Secured by Multifamily Residential Structures Quarterly, Not Seasonally Adjusted, SUBLPDRCSMOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 50.0

Net Percentage of Domestic Banks Tightening Standards for Qualified Mortgage Non-Jumbo, Non-GSE-Eligible Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMSQNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 11.5

Net Percentage of Domestic Banks Reporting Stronger Demand for Government Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMDGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -44.2

Net Percentage of Domestic Banks Tightening Standards for Non-Qualified Mortgage Jumbo Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMSKNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 14.6

Number of Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customer Inventory Financing Needs Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWISNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 16.0

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

Large Bank Definition by Total Assets Quarterly, Not Seasonally Adjusted, SUBLPDMCONQ
Units # of New/Revised Obs. Last Observation Billions of Dollars 1 Q1 2024 100.0

Net Percentage of Domestic Banks Tightening Loan Covenants for Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTLNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 21.1

Net Percentage of Large Domestic Banks Reporting Stronger Demand for Commercial Real Estate Loans with Construction and Land Development Purposes Quarterly, Not Seasonally Adjusted, SUBLPDRCDCLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -45.0

Net Percentage of Other Domestic Banks Tightening Standards for Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLASOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 5.9

Net Percentage of Large Domestic Banks Tightening Policies on Consumer Loans Excluding Credit Card and Auto Loans to Customers That Do Not Meet Credit Scoring Thresholds Quarterly, Not Seasonally Adjusted, SUBLPDCLXTELGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 12.5

Net Percentage of Domestic Banks Increasing the Cost of Credit Lines to Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTCNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 24.1

Net Percentage of Large Domestic Banks Increasing Spreads of Loan Rates over Banks' Cost of Funds on Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLATSLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 14.3

Number of Domestic Banks That Eased and Reported That Reduction in Defaults by Borrowers in Public Debt Markets Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREDNNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q1 2011 21.0

Net Percentage of Foreign Banks Tightening Standards for Commercial Real Estate Loans Quarterly, Not Seasonally Adjusted, SUBLPFRCSNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 33.3

Net Percentage of Domestic Banks Tightening Policies on Auto Loans to Customers That Do Not Meet Credit Scoring Thresholds Quarterly, Not Seasonally Adjusted, SUBLPDCLATENQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 8.7

Net Percentage of Large Domestic Banks Reporting Stronger Demand for Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLADLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -21.4

Net Percentage of Domestic Banks Increasing the Minimum Required Credit Score for Consumer Loans Excluding Credit Card Loans (DISCONTINUED) Quarterly, Not Seasonally Adjusted, SUBLPDCLOTRNQ
Units # of New/Revised Obs. Last Observation Percent 0 Q1 2011 3.8

Number of Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customers' Precautionary Demand for Cash and Liquidity Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWPNNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 16.0

Net Percentage of Large Domestic Banks Reducing Credit Limits on Credit Card Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLCTCLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 20.0

Number of Other 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, SUBLPDCIRTDNOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q1 2011 3.0

Number of Foreign Banks That Eased and Reported That Improvement in Current or Expected Capital Position Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRECSNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q2 2021 2.0

Number of Foreign Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Inventory Financing Needs Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRSINNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q3 2022 3.0

Net Percentage of Domestic Banks Increasing the Minimum Required Down Payment on Consumer Loans Excluding Credit Card and Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLXTDNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 5.9

Number of Foreign Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Decreased Customer Internally Generated Funds Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRSGNNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q3 2022 4.0

Net Percentage of Large Domestic Banks Reporting Stronger Demand for HELOCs Quarterly, Not Seasonally Adjusted, SUBLPDCLHDLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -13.3

Number of Foreign Banks That Eased and Reported That Improvement in Industry-Specific Problems Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIREISNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q2 2021 4.0

Number of Large Domestic Banks That Eased and Reported That Reduction in Defaults by Borrowers in Public Debt Markets Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREDSLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q1 2011 7.0

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

Number of Foreign Banks That Tightened and Reported That Less Favorable Economic Outlook Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRTOVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 4.0

Number of Foreign Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Accounts Receivable Financing Needs Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRSASNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q3 2022 2.0

Net Percentage of Domestic Banks Reporting Stronger Demand for Consumer Loans (DISCONTINUED) Quarterly, Not Seasonally Adjusted, DRSDCL
Units # of New/Revised Obs. Last Observation Percent 0 Q1 2011 5.6

Number of Domestic Banks That Tightened and Reported That Decreased Liquidity in the Secondary Market for These (Commercial and Industrial) Loans Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTSNNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 16.0

Net Percentage of Other Domestic Banks Tightening Standards for Commercial Real Estate Loans Secured by Nonfarm Nonresidential Structures Quarterly, Not Seasonally Adjusted, SUBLPDRCSNOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 47.4

Net Percentage of Banks Tightening Standards for Mortgage Loans (DISCONTINUED) Quarterly, Not Seasonally Adjusted, H0SUBLPDHMSNQ
Units # of New/Revised Obs. Last Observation Percent 0 Q1 2007 16.4

Net Percentage of Other Domestic Banks Increasing the Minimum Required Credit Score for Consumer Loans Excluding Credit Card and Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLXTROTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 14.3