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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 Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customers' Precautionary Demand for Cash and Liquidity Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWPVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 1.0

Net Percentage of Other Domestic Banks Reporting Stronger Demand for Commercial Real Estate Loans with Construction and Land Development Purposes Quarterly, Not Seasonally Adjusted, SUBLPDRCDCOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -47.4

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

Net Percentage of Other Domestic Banks Tightening Standards for Credit Card Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLCSOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 14.3

Net Percentage of Foreign Banks Tightening Standards for Approving Commercial and Industrial Loans Quarterly, Not Seasonally Adjusted, SUBLPFCISNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 15.0

Net Percentage of Domestic Banks Increasing the Minimum Required Down Payments for Consumer Loans Excluding Credit Card Loans (DISCONTINUED) Quarterly, Not Seasonally Adjusted, SUBLPDCLOTDNQ
Units # of New/Revised Obs. Last Observation Percent 0 Q1 2011 0.0

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

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 Foreign Banks Increasing Spreads of Loan Rates over Banks' Cost of Funds Quarterly, Not Seasonally Adjusted, SUBLPFCITSNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 5.0

Net Percentage of Domestic Banks Reporting Increased Number of Inquiries for Commercial and Industrial Loans Quarterly, Not Seasonally Adjusted, SUBLPDCIAINQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -28.8

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 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

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 a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWSVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 0.0

Net Percentage of Other Domestic Banks Reporting Stronger Demand for Credit Card Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLCDOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -11.1

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 Domestic Banks Reporting Stronger Demand for Qualified Mortgage Non-Jumbo, Non-GSE-Eligible Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMDQNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -51.9

Net Percentage of Domestic Banks Increasing the Cost of Credit Lines to Large and Middle-Market Firms Quarterly, Not Seasonally Adjusted, SUBLPDCILTCNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 22.6

Net Percentage of Large Domestic Banks Increasing the Minimum Required Down Payment on Consumer Loans Excluding Credit Card and Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLXTDLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 0.0

Net Percentage of Other Domestic Banks Reducing Credit Limits on Credit Card Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLCTCOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 18.5

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

Net Percentage of Domestic Banks Increasing Premiums Charged on Riskier Loans for Large and Middle-Market Firms Quarterly, Not Seasonally Adjusted, SUBLPDCILTRNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 35.5

Net Percentage of Large Domestic Banks Increasing Spreads of Loan Rates over Banks' Cost of Funds to Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTSLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 33.3

Net Percentage of Large Domestic Banks Reporting Stronger Demand for Credit Card Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLCDLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 0.0

Net Percentage of Large Domestic Banks Reporting Stronger Demand for Qualified Mortgage Jumbo Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMDJLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -50.0

Net Percentage of Large Domestic Banks Tightening Standards for HELOCs Quarterly, Not Seasonally Adjusted, SUBLPDCLHSLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 6.7

Number of Domestic Banks That Tightened and Reported That Reduced Tolerance for Risk Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTRSNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 16.0

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

Net Percentage of Large Domestic Banks Tightening Loan Covenants for Large and Middle-Market Firms Quarterly, Not Seasonally Adjusted, SUBLPDCILTLLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 9.1

Net Percentage of Large Domestic Banks Increasing Spreads of Loan Rates over Banks' Cost of Funds on Other Consumer Loans Excluding Credit Card and Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLXTSLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 6.3

Net Percentage of Domestic Banks Reducing the Maximum Maturity of Credit Lines for Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTANQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 12.1

Number of Large Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Investment in Plant or Equipment Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRSENLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 1.0

Net Percentage of Large Domestic Banks Increasing the Minimum Percentage of Outstanding Balances Required to Be Repaid on Credit Card Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLCTMLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 0.0

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

Number of Other Domestic 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, SUBLPDCIRSGVOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 1.0

Net Percentage of Large Domestic Banks Increasing the Cost of Credit Lines to Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTCLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 11.1

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

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

Net Percentage of Other Domestic Banks Reporting Stronger Demand for Qualified Mortgage Non-Jumbo, Non-GSE-Eligible Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMDQOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -52.9

Number of Other Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customer Inventory Financing Needs Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWINOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 3.0

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

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

Net Percentage of Domestic Banks Reporting Stronger Demand for Non-Qualified Mortgage Non-Jumbo Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMDMNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -53.2

Number of Domestic Banks That Tightened and Reported That Increased Concerns About the Effects of Legislative Changes, Supervisory Actions, or Changes in Accounting Standards Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTESNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 10.0

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 Industry-Specific Problems Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREISNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 0.0

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

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 Other Domestic Banks Reducing the Maximum Size Credit Lines for Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTMOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 20.0

Number of Other Domestic Banks That Tightened and Reported That Less Aggressive Competition from Other Banks or Nonbank Lenders Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTAVOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 0.0

Net Percentage of Foreign Banks Reporting Stronger Demand for Commercial Real Estate Loans Quarterly, Not Seasonally Adjusted, SUBLPFRCDNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -33.3