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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 GSE-Eligible Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMSEOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 8.1

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 Government Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMSGOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 5.6

Net Percentage of Large Domestic Banks Tightening Standards for Government Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMSGLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -6.3

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 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

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

Number of Large Domestic Banks That Eased and Reported That Increased Tolerance for Risk Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRERVLGNQ
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 Customer Merger or Acquisition Financing Needs Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRSMNNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 4.0

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

Net Percentage of Large Domestic Banks Reporting Stronger Demand for Government Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMDGLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -31.3

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

Net Percentage of Other Domestic Banks Tightening Loan Covenants for Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTLOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 25.6

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 Other Domestic Banks That Eased and Reported That More Favorable Economic Outlook Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREOVOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 1.0

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

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

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 Other 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, SUBLPDCIREANOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 0.0

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 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 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

Net Percentage of Foreign Banks Increasing the Use of Interest Rate Floors Quarterly, Not Seasonally Adjusted, SUBLPFCITFNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 0.0

Net Percentage of Large Domestic Banks Reducing the Maximum Size of Credit Lines for Large and Middle-Market Firms Quarterly, Not Seasonally Adjusted, SUBLPDCILTMLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 0.0

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

Net Percentage of Other Domestic Banks Tightening Standards for Qualified Mortgage Jumbo Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMSJOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 20.6

Number of Domestic Banks That Eased and Reported That More Aggressive Competition from Other Banks or Nonbank Lenders Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREAVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 3.0

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 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 Prime Mortgage Loans (DISCONTINUED) Quarterly, Not Seasonally Adjusted, DRSDPM
Units # of New/Revised Obs. Last Observation Percent 0 Q4 2014 -1.4

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

Net Percentage of Domestic Banks Increasing Collateral Requirements for Large and Middle-Market Firms Quarterly, Not Seasonally Adjusted, SUBLPDCILTQNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 21.3

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

Number of Large Domestic Banks That Tightened and Reported That Reduced Tolerance for Risk Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTRVLGNQ
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 to Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTSOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 35.0

Net Percentage of Other Domestic Banks Increasing the Minimum Percentage of Outstanding Balances Required to Be Repaid on Credit Card Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLCTMOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 3.7

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

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 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

Net Percentage of Domestic Banks Tightening Standards for Consumer Loans Excluding Credit Card (DISCONTINUED) Quarterly, Not Seasonally Adjusted, DRTSCOCL
Units # of New/Revised Obs. Last Observation Percent 0 Q1 2011 -3.7

Net Percentage of Large Domestic Banks Reducing the Maximum Maturity of Credit Lines for Large and Middle-Market Firms Quarterly, Not Seasonally Adjusted, SUBLPDCILTALGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -4.5

Net Percentage of Other Domestic Banks Increasing the Use of Interest Rate Floors for Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTFOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 23.7

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

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

Number of Foreign Banks That Tightened and Reported That Deterioration in Current or Expected Capital Position Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRTCVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 2 Q1 2024 0.0

Number of Other Domestic Banks That Tightened and Reported That Less Favorable Economic Outlook Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTOSOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 9.0

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

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 Decreased Customer Internally Generated Funds Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRSGSLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 1.0

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