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Senior Loan Officer Opinion Survey on Bank Lending Practices, Release Date: 2024-05-06

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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 Domestic Banks Tightening Standards for Commercial and Industrial Loans to Large and Middle-Market Firms Quarterly, Not Seasonally Adjusted, DRTSCILM
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 15.6

Net Percentage of Domestic Banks Tightening Standards for Credit Card Loans Quarterly, Not Seasonally Adjusted, DRTSCLCC
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 21.2

Net Percentage of Domestic Banks Tightening Standards for Commercial and Industrial Loans to Small Firms Quarterly, Not Seasonally Adjusted, DRTSCIS
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 19.7

Net Percentage of Domestic Banks Tightening Standards for Auto Loans Quarterly, Not Seasonally Adjusted, STDSAUTO
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 9.8

Net Percentage of Domestic Banks Tightening Standards for Commercial Real Estate Loans with Construction and Land Development Purposes Quarterly, Not Seasonally Adjusted, SUBLPDRCSC
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 24.6

Net Percentage of Domestic Banks Reporting Stronger Demand for Commercial and Industrial Loans from Large and Middle-Market Firms Quarterly, Not Seasonally Adjusted, DRSDCILM
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 -26.6

Net Percentage of Domestic Banks Tightening Standards for Commercial Real Estate Loans Secured by Multifamily Residential Structures Quarterly, Not Seasonally Adjusted, SUBLPDRCSM
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 33.9

Net Percentage of Domestic Banks Tightening Standards for Subprime Mortgage Loans Quarterly, Not Seasonally Adjusted, DRTSSP
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 6.3

Net Percentage of Domestic Banks Tightening Standards for Commercial Real Estate Loans Secured by Nonfarm Nonresidential Structures Quarterly, Not Seasonally Adjusted, SUBLPDRCSN
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 30.6

Net Percentage of Domestic Banks Reporting Increased Willingness to Make Consumer Installment Loans Quarterly, Not Seasonally Adjusted, DRIWCIL
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 -5.3

Net Percentage of Domestic Banks Increasing Spreads of Loan Rates over Banks' Cost of Funds to Large and Middle-Market Firms Quarterly, Not Seasonally Adjusted, DRISCFLM
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 14.3

Net Percentage of Domestic Banks Tightening Standards for Consumer Loans Excluding Credit Card and Auto Loans Quarterly, Not Seasonally Adjusted, STDSOTHCONS
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 13.7

Net Percentage of Domestic Banks Reporting Stronger Demand for Credit Card Loans Quarterly, Not Seasonally Adjusted, DEMCC
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 -12.0

Net Percentage of Domestic Banks Reporting Stronger Demand for Auto Loans Quarterly, Not Seasonally Adjusted, DEMAUTO
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 -26.0

Net Percentage of Domestic Banks Increasing Spreads of Interest Rates over Banks' Cost of Funds on Credit Card Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLCTSNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 12.0

Net Percentage of Large Domestic Banks Tightening Standards for Credit Card Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLCSLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 31.8

Net Percentage of Domestic Banks Reporting Stronger Demand for Commercial Real Estate Loans with Construction and Land Development Purposes Quarterly, Not Seasonally Adjusted, SUBLPDRCDC
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 -16.7

Net Percentage of Domestic Banks Reporting Stronger Demand for Commercial and Industrial Loans from Small Firms Quarterly, Not Seasonally Adjusted, DRSDCIS
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 -23.0

Net Percentage of Domestic Banks Tightening Standards Across Loan Categories, Weighted by Banks' Outstanding Loan Balances by Category Quarterly, Not Seasonally Adjusted, SUBLPDMOSXWBNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 11.6

Net Percentage of Large Domestic Banks Tightening Standards for Commercial and Industrial Loans to Large and Middle-Market Firms Quarterly, Not Seasonally Adjusted, SUBLPDCILSLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 4.2

Net Percentage of Domestic Banks Reporting Stronger Demand for Subprime Mortgage Loans Quarterly, Not Seasonally Adjusted, DRSDSP
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 -33.3

Net Percentage of Domestic Banks Tightening Standards for HELOCs Quarterly, Not Seasonally Adjusted, SUBLPDCLHSNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 12.0

Net Percentage of Domestic Banks Reporting Stronger Demand for HELOCs Quarterly, Not Seasonally Adjusted, SUBLPDCLHDNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 -13.7

Net Percentage of Domestic Banks Tightening Standards for GSE-Eligible Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMSENQ
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 -1.8

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 Q2 2024 -0.8

Net Percentage of Domestic Banks Tightening Standards for Commercial Real Estate Loans (DISCONTINUED) Quarterly, Not Seasonally Adjusted, DRTSCREL
Units # of New/Revised Obs. Last Observation Percent 0 Q3 2013 -19.2

Net Percentage of Domestic Banks Tightening Standards for Non-Qualified Mortgage Non-Jumbo Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMSMNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 8.3

Number of Large Domestic Banks That Tightened and Reported That Increase in Defaults by Borrowers in Public Debt Markets Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTDSLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q1 2011 2.0

Net Percentage of Domestic Banks Reporting Stronger Demand for Commercial Real Estate Loans Secured by Nonfarm Nonresidential Structures Quarterly, Not Seasonally Adjusted, SUBLPDRCDN
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 -29.0

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 Q2 2024 41.0

Net Percentage of Domestic Banks Reporting Stronger Demand for Consumer Loans Excluding Credit Card and Auto Loans Quarterly, Not Seasonally Adjusted, DEMOTHCONS
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 -15.7

Net Percentage of Domestic Banks Increasing Spreads of Loan Rates over Banks' Cost of Funds to Small Firms Quarterly, Not Seasonally Adjusted, DRISCFS
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 20.0

Net Percentage of Large Domestic Banks Reporting Stronger Demand for Subprime Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMDSLGNQ
Units # of New/Revised Obs. Last Observation Percent 3 Q2 2024 0.0

Net Percentage of Domestic Banks Reporting Stronger Demand for Commercial Real Estate Loans Secured by Multifamily Residential Structures Quarterly, Not Seasonally Adjusted, SUBLPDRCDM
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 -33.9

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 Q2 2024 -5.0

Net Percentage of Large Domestic Banks Tightening Standards for Commercial Real Estate Loans Secured by Nonfarm Nonresidential Structures Quarterly, Not Seasonally Adjusted, SUBLPDRCSNLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 17.4

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 Q2 2024 38.5

Net Percentage of Domestic Banks Tightening Standards for Qualified Mortgage Jumbo Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMSJNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 3.6

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 Q2 2024 5.4

Net Percentage of Domestic Banks Tightening Standards on Business Loans, Weighted by Banks' Outstanding Loan Balances by Category Quarterly, Not Seasonally Adjusted, SUBLPDMBSXWBNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 13.0

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 Q2 2024 0.0

Net Percentage of Large Domestic Banks Tightening Policies on Credit Card Loans to Customers That Do Not Meet Credit Scoring Thresholds Quarterly, Not Seasonally Adjusted, SUBLPDCLCTELGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 9.1

Net Percentage of Large Domestic Banks Tightening Standards for Subprime Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMSSLGNQ
Units # of New/Revised Obs. Last Observation Percent 3 Q2 2024 0.0

Net Percentage of Other Domestic Banks Reporting Stronger Demand for Subprime Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMDSOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 -35.7

Net Percentage of Large Domestic Banks Increasing Spreads of Interest Rates over Banks' Cost of Funds on Credit Card Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLCTSLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q2 2024 13.6

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 Q2 2024 -10.5

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 Q2 2024 -18.2

Number of Other 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, SUBLPDCIRSMNOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q2 2024 1.0

Large Bank Definition by Total Assets Quarterly, Not Seasonally Adjusted, SUBLPDMCONQ
Units # of New/Revised Obs. Last Observation Billions of Dollars 1 Q2 2024 100.0

Number of Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customer Inventory Financing Needs Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWISNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q2 2024 16.0