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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 Tightened and Reported That Deterioration in Current or Expected Capital Position Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTCSNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 8.0

Net Percentage of Large Domestic Banks Increasing the Minimum Required Credit Score for Consumer Loans Excluding Credit Card and Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLXTRLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 25.0

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

Net Percentage of Domestic Banks Increasing Premiums Charged on Riskier Loans for Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTRNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 34.5

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

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

Net Percentage of Large Domestic Banks Increasing Premiums Charged on Riskier Loans for Large and Middle-Market Firms Quarterly, Not Seasonally Adjusted, SUBLPDCILTRLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 27.3

Net Percentage of Foreign Banks Increasing Costs of Credit Lines Quarterly, Not Seasonally Adjusted, SUBLPFCITCNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 10.0

Net Percentage of Large Domestic Banks Reducing the Maximum Size Credit Lines for Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTMLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 5.6

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 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

Number of Large Domestic Banks That Tightened and Reported That Increased Concerns About the Effects of Legislative Changes, Supervisory Actions, or Changes in Accounting Standards Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTENLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 4.0

Net Percentage of Domestic Banks Increasing the Use of Interest Rate Floors for Large and Middle-Market Firms Quarterly, Not Seasonally Adjusted, SUBLPDCILTFNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 17.7

Number of Large 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, SUBLPDCIRWSSLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 3.0

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 Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customers' Precautionary Demand for Cash and Liquidity Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRSPNNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 3.0

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

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

Number of Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customers' Precautionary Demand for Cash and Liquidity Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWPNNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 16.0

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

Number of Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Merger or Acquisition Financing Needs Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRSMSNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 1.0

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

Number of Large Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customer Merger or Acquisition Financing Needs Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWMVLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 2.0

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 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 Foreign Banks That Tightened and Reported That Increased Concerns About the Effects of Legislative Changes, Supervisory Actions, or Changes in Accounting Standards Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRTENNQ
Units # of New/Revised Obs. Last Observation Number of Responses 2 Q1 2024 2.0

Net Percentage of Other Domestic Banks Reporting Increased Willingness to Make Consumer Installment Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLIWOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -13.5

Number of Foreign Banks That Tightened and Reported That Reduced Tolerance for Risk Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRTRNNQ
Units # of New/Revised Obs. Last Observation Number of Responses 2 Q1 2024 2.0

Number of Foreign Banks That Eased and Reported That Improvement in Current or Expected Liquidity Position Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRELNNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q2 2021 4.0

Net Percentage of Other Domestic Banks Increasing the Cost of Credit Lines to Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTCOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 30.0

Number of Foreign Banks That Eased and Reported That More Aggressive Competition from Other Banks or Nonbank Lenders Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIREAVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q2 2021 3.0

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

Number of Large 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, SUBLPDCIREANLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 1.0

Net Percentage of Other Domestic Banks Increasing Premiums Charged on Riskier Loans for Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTROTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 35.0

Net Percentage of Domestic Banks Tightening Standards for Nontraditional Mortgage Loans (DISCONTINUED) Quarterly, Not Seasonally Adjusted, DRTSNT
Units # of New/Revised Obs. Last Observation Percent 0 Q4 2014 -5.7

Net Percentage of Other Domestic Banks Increasing Spreads of Loan Rates over Banks' Cost of Funds to Large and Middle-Market Firms Quarterly, Not Seasonally Adjusted, SUBLPDCILTSOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 35.0

Number of Foreign 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, SUBLPFCIRTESNQ
Units # of New/Revised Obs. Last Observation Number of Responses 2 Q1 2024 1.0

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 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 Reduced Tolerance for Risk Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTRSLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 6.0

Number of Other 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, SUBLPDCIRWGVOTHNQ
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 GSE-Eligible Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMDEOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -50.0

Number of Large Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Inventory Financing Needs Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRSINLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 1.0

Net Percentage of Large Domestic Banks Increasing the Use of Interest Rate Floors for Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTFLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 0.0

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 a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWSSNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 8.0

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 Foreign Banks That Eased and Reported That Increased Liquidity in the Secondary Market for These (Commercial and Industrial) Loans Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRESVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q2 2021 1.0

Number of Other 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, SUBLPDCIRTANOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 8.0

Net Percentage of Other Domestic Banks Reporting Stronger Demand for Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLADOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -14.7

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 Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREENNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 6.0