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Senior Loan Officer Opinion Survey on Bank Lending Practices, Release Date: 2025-11-03

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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 Q4 2025 6.5

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 Q4 2025 4.2

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 Q4 2025 8.3

Net Percentage of Domestic Banks Tightening Standards for Auto Loans Quarterly, Not Seasonally Adjusted, STDSAUTO
Units # of New/Revised Obs. Last Observation Percent 1 Q4 2025 -5.8

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 Q4 2025 6.6

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 Q4 2025 1.6

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 Q4 2025 11.5

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 Q4 2025 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 Q4 2025 3.3

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 Q4 2025 6.9

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 Q4 2025 0.0

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 Q4 2025 -16.4

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 Q4 2025 4.3

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 Q4 2025 2.2

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 Q4 2025 0.0

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 Q4 2025 -19.2

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 Q4 2025 -7.1

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 Q4 2025 -4.9

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 Q4 2025 -6.3

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 Q4 2025 -1.7

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 Q4 2025 -5.6

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 Q4 2025 -1.7

Net Percentage of Domestic Banks Tightening Standards for HELOCs Quarterly, Not Seasonally Adjusted, SUBLPDCLHSNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q4 2025 1.8

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 Q4 2025 0.0

Net Percentage of Domestic Banks Reporting Stronger Demand for HELOCs Quarterly, Not Seasonally Adjusted, SUBLPDCLHDNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q4 2025 14.0

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 Q4 2025 -1.7

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 Q4 2025 5.6

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 Q4 2025 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 Q4 2025 0.0

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 Q4 2025 10.0

Net Percentage of Domestic Banks Tightening Standards on Household Loans, Weighted by Banks' Outstanding Loan Balances by Category Quarterly, Not Seasonally Adjusted, SUBLPDMHSXWBNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q4 2025 -8.6

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 Q4 2025 -5.8

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 0 Q3 2025 0.0

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 Respondents 0 Q1 2011 2.0

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 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 Q4 2025 -6.8

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 Large Domestic Banks Tightening Standards for Commercial Real Estate Loans With Construction and Land Development Purposes Quarterly, Not Seasonally Adjusted, SUBLPDRCSCLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q4 2025 -10.0

Net Percentage of Large Domestic Banks Reporting Stronger Demand for Consumer Loans Excluding Credit Card and Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLXDLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q4 2025 20.0

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 Q4 2025 -1.7

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 Q4 2025 -5.9

Number of Foreign Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customer Merger or Acquisition Financing Needs Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRWMNNQ
Units # of New/Revised Obs. Last Observation Number of Respondents 0 Q1 2023 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 Q4 2025 5.1

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

Number of Large Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Accounts Receivable Financing Needs Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRSASLGNQ
Units # of New/Revised Obs. Last Observation Number of Respondents 1 Q4 2025 2.0

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 Respondents 0 Q2 2025 0.0

Number of Large 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, SUBLPDCIRSMSLGNQ
Units # of New/Revised Obs. Last Observation Number of Respondents 1 Q4 2025 2.0

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 0 Q3 2025 0.0

Net Percentage of Domestic Banks Tightening Standards for Prime Mortgage Loans (DISCONTINUED) Quarterly, Not Seasonally Adjusted, DRTSPM
Units # of New/Revised Obs. Last Observation Percent 0 Q4 2014 -11.1

Net Percentage of Domestic Banks Reporting Stronger Demand for Household Loans, Weighted by Banks' Outstanding Loan Balances by Category Quarterly, Not Seasonally Adjusted, SUBLPDMHDXWBNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q4 2025 19.2