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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 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 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 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 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 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 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 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 Other Domestic Banks Reporting Stronger Demand for Commercial and Industrial Loans from Large and Middle-Market Firms Quarterly, Not Seasonally Adjusted, SUBLPDCILDOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -23.7

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 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

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 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 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 Large Domestic Banks Reporting Stronger Demand for Non-Qualified Mortgage Non-Jumbo Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMDMLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -46.7

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

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

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

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 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 Credit Card Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLCSOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 14.3

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 Other Domestic Banks Reporting Stronger Demand for Non-Qualified Mortgage Non-Jumbo Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMDMOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -56.3

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

Net Percentage of 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, SUBLPDCLXTSNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 19.6

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

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 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 Other Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Increased Customer Internally Generated Funds Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWGNOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 11.0

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 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 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, SUBLPDCIRWGVNQ
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 Jumbo Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMDJOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -45.5

Net Percentage of Large Domestic Banks Tightening Standards for GSE-Eligible Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMSELGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -11.8

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 Increasing Premiums Charged on Riskier Loans for Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTRLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 33.3

Number of Domestic Banks That Eased and Reported That Improvement in Industry-Specific Problems Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREINNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 6.0

Number of Foreign 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, SUBLPFCIRTSVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 2 Q1 2024 0.0

Number of Large Domestic Banks That Tightened and Reported That Current or Expected Liquidity Position Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTLSLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 1.0

Net Percentage of Other Domestic Banks Increasing Spreads of Loan Rates over Banks' Cost of Funds on Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLATSOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 31.3

Net Percentage of Other Domestic Banks Reporting Stronger Demand for Non-Qualified Mortgage Jumbo Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMDKOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -54.8

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

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

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 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 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 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 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

Number of Other Domestic Banks That Eased and Reported That Increased Liquidity in the Secondary Market for These (Commercial and Industrial) Loans Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRESSOTHNQ
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 Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREANNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 1.0

Number of Large Domestic Banks That Eased and Reported That Increased Tolerance for Risk Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRERNLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 2.0