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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 Stronger Commercial and Industrial Loan Demand and Reported That Customers' Transitioning from Commercial Real Estate Loans to Commercial and Industrial Loans Was a Very Important Reason (DISCONTINUED) Quarterly, Not Seasonally Adjusted, SUBLPDCIRSRVLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q3 2013 0.0

Net Percentage of Other 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, SUBLPDCLXTEOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 17.1

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

Net Percentage of Foreign Banks Reducing the Maximum Size of Credit Lines Quarterly, Not Seasonally Adjusted, SUBLPFCITMNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 0.0

Number of Foreign Banks That Tightened and Reported That Increase in Defaults by Borrowers in Public Debt Markets Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRTDNNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q1 2011 1.0

Number of Other Domestic Banks That Tightened and Reported That Deterioration in Current or Expected Capital Position Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTCNOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 12.0

Number of Domestic Banks That Tightened and Reported That Less Favorable Economic Outlook Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTONNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 6.0

Net Percentage of Other Domestic Banks Tightening Standards for Non-Qualified Mortgage Non-Jumbo Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMSMOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 18.2

Number of Other Domestic Banks That Tightened and Reported That Reduced Tolerance for Risk Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTRSOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 10.0

Number of Domestic Banks That Eased and Reported That Reduced Concerns About the Effects of Legislative Changes, Supervisory Actions, or Changes in Accounting Standards Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREESNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 1.0

Number of Domestic Banks That Eased and Reported That More Aggressive Competition from Other Banks or Nonbank Lenders Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREASNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 5.0

Number of Domestic Banks That Tightened and Reported That Decreased Liquidity in the Secondary Market for These (Commercial and Industrial) Loans Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTSVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 1.0

Number of Other Domestic Banks That Eased and Reported That More Favorable Economic Outlook Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREOSOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 0.0

Number of Large Domestic Banks That Eased and Reported That Reduced Concerns About the Effects of Legislative Changes, Supervisory Actions, or Changes in Accounting Standards Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREENLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 3.0

Number of Large Domestic Banks That Tightened and Reported That Deterioration in Current or Expected Capital Position Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTCSLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 3.0

Net Percentage of Foreign Banks Reporting Stronger Demand for Commercial and Industrial Loans Quarterly, Not Seasonally Adjusted, SUBLPFCIDNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -5.0

Number of Large 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, SUBLPDCIREDNLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q1 2011 15.0

Net Percentage of Large Domestic Banks Tightening Standards for Qualified Mortgage Non-Jumbo, Non-GSE-Eligible Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMSQLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 0.0

Number of Large Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customer Investment in Plant or Equipment Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWENLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 0.0

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

Net Percentage of Domestic Banks Reporting Stronger Demand for Prime Mortgage Loans (DISCONTINUED) Quarterly, Not Seasonally Adjusted, DRSDPM
Units # of New/Revised Obs. Last Observation Percent 0 Q4 2014 -1.4

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

Number of Domestic Banks That Tightened and Reported That Worsening of Industry-Specific Problems Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTINNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 15.0

Net Percentage of 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, SUBLPDCLXTENQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 15.7

Number of Domestic Banks That Eased and Reported That Increased Tolerance for Risk Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRERNNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 5.0

Number of Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customer Investment in Plant or Equipment Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWESNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 13.0

Number of Domestic Banks That Tightened and Reported That Deterioration in Current or Expected Capital Position Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTCVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 2.0

Number of Domestic Banks That Eased and Reported That Improvement in Current or Expected Liquidity Position Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRELVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 0.0

Number of Large Domestic Banks That Eased and Reported That Improvement in Industry-Specific Problems Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREINLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 3.0

Number of Domestic Banks That Eased and Reported That More Favorable Economic Outlook Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREONNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 5.0

Net Percentage of Other Domestic Banks Reporting Stronger Demand for HELOCs Quarterly, Not Seasonally Adjusted, SUBLPDCLHDOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -22.2

Number of Foreign Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Shifts in Customer Borrowing to Other Bank or Nonbank Sources Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRWSSNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q1 2023 1.0

Number of Domestic Banks That Tightened and Reported That Reduced Tolerance for Risk Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTRNNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 9.0

Number of Foreign Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Investment in Plant or Equipment Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRSESNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q3 2022 0.0

Net Percentage of Other Domestic Banks Increasing Collateral Requirements for Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTQOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 31.4

Net Percentage of Domestic Banks Increasing the Minimum Required Credit Score for Consumer Loans Excluding Credit Card and Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLXTRNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 17.6

Number of Foreign Banks That Tightened and Reported That Worsening of Industry-Specific Problems Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRTIVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 2 Q1 2024 1.0

Number of Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customer Accounts Receivable Financing Needs Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWANNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 5.0

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

Number of Large 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, SUBLPDCIRWISLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 5.0

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

Number of Domestic Banks That Tightened and Reported That Deterioration in Current or Expected Capital Position Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTCNNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 18.0

Number of Other Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Shifts in Customer Borrowing to Other Bank or Nonbank Sources Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWSSOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 5.0

Net Percentage of Banks Reporting Stronger Demand for Mortgage Loans (DISCONTINUED) Quarterly, Not Seasonally Adjusted, H0SUBLPDHMDNQ
Units # of New/Revised Obs. Last Observation Percent 0 Q1 2007 -37.0

Number of Domestic Banks That Eased and Reported That Increased Tolerance for Risk Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRERSNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 3.0

Number of Domestic Banks That Eased and Reported That Increased Liquidity in the Secondary Market for These (Commercial and Industrial) Loans Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRESNNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 7.0

Number of Large Domestic 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, SUBLPDCIRSGNLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 0.0

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

Number of Domestic Banks That Tightened and Reported That Less Favorable Economic Outlook Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTOSNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 14.0

Net Percentage of Domestic Banks Reducing the Maximum Size of Consumer Loans Excluding Credit Card and Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLXTMNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -2.0