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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 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

Net Percentage of Large Domestic Banks Tightening Standards for Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLASLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 7.1

Net Percentage of Domestic Banks Tightening Standards on Household Loans, Weighted by Banks' Outstanding Loan Balances by Category Quarterly, Not Seasonally Adjusted, SUBLPDMHSXWBNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 17.9

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 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 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 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 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 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 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

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 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

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 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 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 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

Net Percentage of Domestic Banks Reporting Stronger Demand for GSE-Eligible Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMDENQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -50.9

Net Percentage of Domestic Banks Reducing the Maximum Size of Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLATMNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 0.0

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 Other Domestic Banks Tightening Standards for Commercial Real Estate Loans with Construction and Land Development Purposes Quarterly, Not Seasonally Adjusted, SUBLPDRCSCOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 47.4

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 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

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 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 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 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 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 Domestic Banks Increasing the Minimum Percentage of Outstanding Balances Required to Be Repaid on Credit Card Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLCTMNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 2.1

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

Net Percentage of Domestic Banks Reporting Stronger Demand for Business Loans, Weighted by Banks' Outstanding Loan Balances by Category Quarterly, Not Seasonally Adjusted, SUBLPDMBDXWBNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -27.3

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

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 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

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

Net Percentage of Other Domestic Banks Tightening Standards for Subprime Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMSSOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 9.1

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 and Industrial Loans to Large and Middle-Market Firms Quarterly, Not Seasonally Adjusted, SUBLPDCILSOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 22.5

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

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

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 Large Domestic Banks That Tightened and Reported That Less Aggressive Competition from Other Banks or Nonbank Lenders Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTANLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 3.0

Net Percentage of Large Domestic Banks Tightening Standards for Qualified Mortgage Jumbo Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMSJLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 5.6

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

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 Commercial Real Estate Loans Secured by Multifamily Residential Structures Quarterly, Not Seasonally Adjusted, SUBLPDRCDMOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -48.6

Net Percentage of Other Domestic Banks Reporting Stronger Demand for Commercial and Industrial Loans from Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISDOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -23.1

Net Percentage of Domestic Banks Reporting Stronger Demand for Household Loans, Weighted by Banks' Outstanding Loan Balances by Category Quarterly, Not Seasonally Adjusted, SUBLPDMHDXWBNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -32.7

Net Percentage of Domestic Banks Tightening Policies on Credit Card Loans to Customers That Do Not Meet Credit Scoring Thresholds Quarterly, Not Seasonally Adjusted, SUBLPDCLCTENQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 10.6

Net Percentage of Domestic Banks Reporting Stronger Demand for Qualified Mortgage Jumbo Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMDJNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -47.1

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