Q3 2026 SLOOS U.S. Charted Commercial Banks Questions

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OMB No. 7100-0058
Approval expires May 31, 2027

FR 2018

Senior Loan Officer Opinion Survey
on Bank Lending Practices
July 2026
Questionnaire for U.S. Chartered Commercial Banks

Table of Contents

Page

Commercial and Industrial (C&I) Lending

1

Commercial Real Estate (CRE) Lending

7

Residential Real Estate Lending

10

Consumer Lending

17

Special Questions: Level of Standards

21

Optional Question

25

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July 2026 Senior Loan Officer Opinion Survey

Commercial and Industrial (C&I) Lending
Questions 1-6 ask about commercial and industrial (C&I) loans at your bank. Questions
1-3 deal with changes in your bank’s lending policies over the past three months. Questions
4-5 deal with changes in demand for C&I loans over the past three months. Question 6
asks about changes in prospective demand for C&I loans at your bank, as indicated by the
volume of recent inquiries about the availability of new credit lines or increases in existing
lines. If your bank’s lending policies have not changed over the past three months, please
report them as unchanged even if the policies are either restrictive or accommodative relative
to longer-term norms. If your bank’s policies have tightened or eased over the past three
months, please so report them regardless of how they stand relative to longer-term norms.
Also, please report changes in enforcement of existing policies as changes in policies.

1. Over the past three months, how have your bank’s credit standards for approving applications for C&I loans or credit lines—other than those to be used to finance mergers
and acquisitions—to large and middle-market firms and to small firms changed? (If your
bank defines firm size differently from the categories suggested below, please use your
definitions and indicate what they are.)
A. Standards for large and middle-market firms (annual sales of $50 million or
more):
1. Tightened considerably
2. Tightened somewhat
3. Remained basically unchanged
4. Eased somewhat
5. Eased considerably
6. My bank does not originate C&I loans or credit lines to large and middle-market
firms
B. Standards for small firms (annual sales of less than $50 million):
1. Tightened considerably
2. Tightened somewhat
3. Remained basically unchanged
4. Eased somewhat
5. Eased considerably
6. My bank does not originate C&I loans or credit lines to small firms

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2. For applications for C&I loans or credit lines—other than those to be used to finance
mergers and acquisitions—from large and middle-market firms and from small firms that
your bank currently is willing to approve, how have the terms of those loans changed over
the past three months? (Please assign each term a number between 1 and 5 using the
following scale: 1=tightened considerably, 2=tightened somewhat, 3=remained basically
unchanged, 4=eased somewhat, 5=eased considerably.)
A. Terms for large and middle-market firms (annual sales of $50 million or more):
a.
b.
c.
d.
e.
f.
g.
h.
i.

Maximum size of credit lines
Maximum maturity of loans or credit lines
Costs of credit lines
Spreads of loan rates over your bank’s cost of funds (wider spreads=tightened,
narrower spreads=eased)
Premiums charged on riskier loans
Loan covenants
Collateralization requirements
Use of interest rate floors (more use=tightened, less use=eased)
Other (please specify)

B. Terms for small firms (annual sales of less than $50 million):
a.
b.
c.
d.
e.
f.
g.
h.
i.

Maximum size of credit lines
Maximum maturity of loans or credit lines
Costs of credit lines
Spreads of loan rates over your bank’s cost of funds (wider spreads=tightened,
narrower spreads=eased)
Premiums charged on riskier loans
Loan covenants
Collateralization requirements
Use of interest rate floors (more use=tightened, less use=eased)
Other (please specify)

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3. If your bank has tightened or eased its credit standards or its terms for C&I loans or
credit lines over the past three months (as described in questions 1 and 2), how important
have the following possible reasons been for the change? (Please respond to either A, B,
or both as appropriate and rate each possible reason using the following scale: 1=not
important, 2=somewhat important, 3=very important.)
A. Possible reasons for tightening credit standards or loan terms:
a.
b.
c.
d.
e.
f.
g.
h.
i.

Deterioration in your bank’s current or expected capital position
Less favorable or more uncertain economic outlook
Worsening of industry-specific problems (please specify industries)
Less aggressive competition from other banks or nonbank lenders (other financial intermediaries or the capital markets)
Reduced tolerance for risk
Decreased liquidity in the secondary market for these loans
Deterioration in your bank’s current or expected liquidity position
Increased concerns about the effects of legislative changes, supervisory actions, or changes in accounting standards
Other (please specify)

B. Possible reasons for easing credit standards or loan terms:
a.
b.
c.
d.
e.
f.
g.
h.
i.

Improvement in your bank’s current or expected capital position
More favorable or less uncertain economic outlook
Improvement in industry-specific problems (please specify industries)
More aggressive competition from other banks or nonbank lenders (other
financial intermediaries or the capital markets)
Increased tolerance for risk
Increased liquidity in the secondary market for these loans
Improvement in your bank’s current or expected liquidity position
Reduced concerns about the effects of legislative changes, supervisory actions,
or changes in accounting standards
Other (please specify)

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4. Apart from normal seasonal variation, how has demand for C&I loans changed over the
past three months? (Please consider only funds actually disbursed as opposed to requests
for new or increased lines of credit.)
A. Demand for C&I loans from large and middle-market firms (annual sales of $50
million or more):
1. Substantially stronger
2. Moderately stronger
3. About the same
4. Moderately weaker
5. Substantially weaker
6. My bank does not originate C&I loans or credit lines to large and middle-market
firms
B. Demand for C&I loans from small firms (annual sales of less than $50 million):
1. Substantially stronger
2. Moderately stronger
3. About the same
4. Moderately weaker
5. Substantially weaker
6. My bank does not originate C&I loans or credit lines to small firms

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5. If demand for C&I loans has strengthened or weakened over the past three months (as
described in question 4), how important have the following possible reasons been for the
change? (Please respond to either A, B, or both as appropriate and rate each possible
reason using the following scale: 1=not important, 2=somewhat important, 3=very
important.)
A. If stronger loan demand (answer 1 or 2 to question 4A or 4B), possible reasons:
a.
b.
c.
d.
e.
f.

Customer inventory financing needs increased
Customer accounts receivable financing needs increased
Customer investment in plant or equipment increased
Customer internally generated funds decreased
Customer merger or acquisition financing needs increased
Customer borrowing shifted to your bank from other bank or nonbank sources
because these other sources became less attractive
g. Customer precautionary demand for cash and liquidity increased
h. Other (please specify)
B. If weaker loan demand (answer 4 or 5 to question 4A or 4B), possible reasons:
a.
b.
c.
d.
e.
f.

Customer inventory financing needs decreased
Customer accounts receivable financing needs decreased
Customer investment in plant or equipment decreased
Customer internally generated funds increased
Customer merger or acquisition financing needs decreased
Customer borrowing shifted from your bank to other bank or nonbank sources
because these other sources became more attractive
g. Customer precautionary demand for cash and liquidity decreased
h. Other (please specify)

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6. At your bank, apart from seasonal variation, how has the number of inquiries from
potential business borrowers regarding the availability and terms of new credit lines or
increases in existing lines changed over the past three months? (Please consider only
inquiries for additional or increased C&I lines as opposed to the refinancing of existing
loans.)
1. The number of inquiries has increased substantially
2. The number of inquiries has increased moderately
3. The number of inquiries has stayed about the same
4. The number of inquiries has decreased moderately
5. The number of inquiries has decreased substantially
6. My bank does not originate C&I lines of credit

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Commercial Real Estate (CRE) Lending
Questions 7-12 ask about changes in standards and demand over the past three months
for three different types of CRE loans at your bank: construction and land development
loans, loans secured by nonfarm nonresidential properties, and loans secured by multifamily
residential properties. Please report changes in enforcement of existing policies as changes
in policies.

7. Over the past three months, how have your bank’s credit standards for approving new
applications for construction and land development loans or credit lines changed?
1. Tightened considerably
2. Tightened somewhat
3. Remained basically unchanged
4. Eased somewhat
5. Eased considerably
6. My bank does not originate construction and land development loans or credit lines
8. Over the past three months, how have your bank’s credit standards for approving new
applications for loans secured by nonfarm nonresidential properties changed?
1. Tightened considerably
2. Tightened somewhat
3. Remained basically unchanged
4. Eased somewhat
5. Eased considerably
6. My bank does not originate loans secured by nonfarm nonresidential properties

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9. Over the past three months, how have your bank’s credit standards for approving new
applications for loans secured by multifamily residential properties changed?
1. Tightened considerably
2. Tightened somewhat
3. Remained basically unchanged
4. Eased somewhat
5. Eased considerably
6. My bank does not originate loans secured by multifamily residential properties
10. Apart from normal seasonal variation, how has demand for construction and land development loans changed over the past three months? (Please consider the number of
requests for new spot loans, for disbursement of funds under existing loan commitments,
and for new or increased credit lines.)
1. Substantially stronger
2. Moderately stronger
3. About the same
4. Moderately weaker
5. Substantially weaker
6. My bank does not originate construction and land development loans or credit lines
11. Apart from normal seasonal variation, how has demand for loans secured by nonfarm
nonresidential properties changed over the past three months? (Please consider the
number of requests for new spot loans, for disbursement of funds under existing loan
commitments, and for new or increased credit lines.)
1. Substantially stronger
2. Moderately stronger
3. About the same
4. Moderately weaker
5. Substantially weaker
6. My bank does not originate loans secured by nonfarm nonresidential properties

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12. Apart from normal seasonal variation, how has demand for loans secured by multifamily residential properties changed over the past three months? (Please consider
the number of requests for new spot loans, for disbursement of funds under existing loan
commitments, and for new or increased credit lines.)
1. Substantially stronger
2. Moderately stronger
3. About the same
4. Moderately weaker
5. Substantially weaker
6. My bank does not originate loans secured by multifamily residential properties

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Residential Real Estate Lending
Note: Beginning with the January 2015 survey, the loan categories referred to in the questions regarding changes in credit standards and demand for residential mortgage loans have
been revised to reflect the Consumer Financial Protection Bureau’s qualified mortgage rules.
Questions 13-14 ask about seven categories of residential mortgage loans at your
bank: Government-Sponsored Enterprise eligible (GSE-eligible) residential mortgages, government residential mortgages, Qualified Mortgage non-jumbo non-GSE-eligible (QM nonjumbo, non-GSE-eligible) residential mortgages, QM jumbo residential mortgages, non-QM
jumbo residential mortgages, non-QM non-jumbo residential mortgages, and subprime residential mortgages. For the purposes of this survey, please use the following definitions of
these loan categories and include first-lien closed-end loans to purchase homes only. The
loan categories have been defined so that every first-lien closed-end residential mortgage loan
used for home purchase fits into one of the following seven categories:

• The GSE-eligible category of residential mortgages includes loans that meet the underwriting guidelines, including loan limit amounts, of the GSEs - Fannie Mae and
Freddie Mac.
• The government category of residential mortgages includes loans that are insured
by the Federal Housing Administration, guaranteed by the Department of Veterans
Affairs, or originated under government programs, including the U.S. Department of
Agriculture home loan programs.
• The QM non-jumbo, non-GSE-eligible category of residential mortgages includes
loans that satisfy the standards for a qualified mortgage and have loan balances that
are below the loan limit amounts set by the GSEs but otherwise do not meet the GSE
underwriting guidelines.
• The QM jumbo category of residential mortgages includes loans that satisfy the
standards for a qualified mortgage but have loan balances that are above the loan limit
amount set by the GSEs.
• The non-QM jumbo category of residential mortgages includes loans that do not
satisfy the standards for a qualified mortgage and have loan balances that are above
the loan limit amount set by the GSEs.
• The non-QM non-jumbo category of residential mortgages includes loans that do
not satisfy the standards for a qualified mortgage and have loan balances that are
below the loan limit amount set by the GSEs.(Please exclude loans classified by your
bank as subprime in this category.)

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• The subprime category of residential mortgages includes loans classified by your bank
as subprime. This category typically includes loans made to borrowers with weakened
credit histories that include payment delinquencies, charge-offs, judgements, and/or
bankruptcies; reduced repayment capacity as measured by credit scores or debt-toincome ratios; or incomplete credit histories.
Question 13 deals with changes in your bank’s credit standards for loans in each of the seven
loan categories over the past three months. If your bank’s credit standards have not changed
over the relevant period, please report them as unchanged even if the standards are either
restrictive or accommodative relative to longer-term norms. If your bank’s credit standards
have tightened or eased over the relevant period, please so report them regardless of how they
stand relative to longer-term norms. Also, please report changes in enforcement of existing
standards as changes in standards. Question 14 deals with changes in demand for loans in
each of the seven loan categories over the past three months.

13. Over the past three months, how have your bank’s credit standards for approving applications from individuals for mortgage loans to purchase homes changed? (Please consider
only new originations as opposed to the refinancing of existing mortgages.)
A. Credit standards on mortgage loans that your bank categorizes as GSE-eligible
residential mortgages have:
1. Tightened considerably
2. Tightened somewhat
3. Remained basically unchanged
4. Eased somewhat
5. Eased considerably
6. My bank does not originate GSE-eligible residential mortgages

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B. Credit standards on mortgage loans that your bank categorizes as government
residential mortgages have:
1. Tightened considerably
2. Tightened somewhat
3. Remained basically unchanged
4. Eased somewhat
5. Eased considerably
6. My bank does not originate government residential mortgages
C. Credit standards on mortgage loans that your bank categorizes as QM non-jumbo,
non-GSE-eligible residential mortgages have:
1. Tightened considerably
2. Tightened somewhat
3. Remained basically unchanged
4. Eased somewhat
5. Eased considerably
6. My bank does not originate QM non-jumbo, non-GSE-eligible residential mortgages
D. Credit standards on mortgage loans that your bank categorizes as QM jumbo residential mortgages have:
1. Tightened considerably
2. Tightened somewhat
3. Remained basically unchanged
4. Eased somewhat
5. Eased considerably
6. My bank does not originate QM jumbo residential mortgages
E. Credit standards on mortgage loans that your bank categorizes as non-QM jumbo
residential mortgages have:
1. Tightened considerably
2. Tightened somewhat
3. Remained basically unchanged
4. Eased somewhat
5. Eased considerably
6. My bank does not originate non-QM jumbo residential mortgages

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F. Credit standards on mortgage loans that your bank categorizes as non-QM nonjumbo residential mortgages have:
1. Tightened considerably
2. Tightened somewhat
3. Remained basically unchanged
4. Eased somewhat
5. Eased considerably
6. My bank does not originate non-QM non-jumbo residential mortgages
G. Credit standards on mortgage loans that your bank categorizes as subprime residential mortgages have:
1. Tightened considerably
2. Tightened somewhat
3. Remained basically unchanged
4. Eased somewhat
5. Eased considerably
6. My bank does not originate subprime residential mortgages
14. Apart from normal seasonal variation, how has demand for mortgages to purchase homes
changed over the past three months? (Please consider only applications for new originations as opposed to applications for refinancing of existing mortgages.)
A. Demand for mortgages that your bank categorizes as GSE-eligible residential mortgages was:
1. Substantially stronger
2. Moderately stronger
3. About the same
4. Moderately weaker
5. Substantially weaker
6. My bank does not originate GSE-eligible residential mortgages

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B. Demand for mortgages that your bank categorizes as government residential mortgages was:
1. Substantially stronger
2. Moderately stronger
3. About the same
4. Moderately weaker
5. Substantially weaker
6. My bank does not originate government residential mortgages
C. Demand for mortgages that your bank categorizes as QM non-jumbo, non-GSEeligible residential mortgages was:
1. Substantially stronger
2. Moderately stronger
3. About the same
4. Moderately weaker
5. Substantially weaker
6. My bank does not originate QM non-jumbo, non-GSE-eligible residential mortgages
D. Demand for mortgages that your bank categorizes as QM jumbo residential mortgages was:
1. Substantially stronger
2. Moderately stronger
3. About the same
4. Moderately weaker
5. Substantially weaker
6. My bank does not originate QM jumbo residential mortgages
E. Demand for mortgages that your bank categorizes as non-QM jumbo residential
mortgages was:
1. Substantially stronger
2. Moderately stronger
3. About the same
4. Moderately weaker
5. Substantially weaker
6. My bank does not originate non-QM jumbo residential mortgages

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F. Demand for mortgages that your bank categorizes as non-QM non-jumbo residential mortgages was:
1. Substantially stronger
2. Moderately stronger
3. About the same
4. Moderately weaker
5. Substantially weaker
6. My bank does not originate non-QM non-jumbo residential mortgages
G. Demand for mortgages that your bank categorizes as subprime residential mortgages
was:
1. Substantially stronger
2. Moderately stronger
3. About the same
4. Moderately weaker
5. Substantially weaker
6. My bank does not originate subprime residential mortgages

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Questions 15-16 ask about revolving home equity lines of credit at your bank. Question 15 deals with changes in your bank’s credit standards over the past three months. Question 16 deals with changes in demand. If your bank’s credit standards have not changed over
the relevant period, please report them as unchanged even if they are either restrictive or
accommodative relative to longer-term norms. If your bank’s credit standards have tightened
or eased over the relevant period, please so report them regardless of how they stand relative
to longer-term norms. Also, please report changes in enforcement of existing standards as
changes in standards.

15. Over the past three months, how have your bank’s credit standards for approving
applications for revolving home equity lines of credit changed?
1. Tightened considerably
2. Tightened somewhat
3. Remained basically unchanged
4. Eased somewhat
5. Eased considerably
6. My bank does not originate revolving home equity lines of credit
16. Apart from normal seasonal variation, how has demand for revolving home equity
lines of credit changed over the past three months? (Please consider only funds
actually disbursed as opposed to requests for new or increased lines of credit.)
1. Substantially stronger
2. Moderately stronger
3. About the same
4. Moderately weaker
5. Substantially weaker
6. My bank does not originate revolving home equity lines of credit

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Consumer Lending
Questions 17-26 ask about consumer lending at your bank. Question 17 deals with changes
in your bank’s willingness to make consumer installment loans over the past three months.
Questions 18-23 deal with changes in credit standards and loan terms over the same period. Questions 24-26 deal with changes in demand for consumer loans over the past three
months. If your bank’s lending policies have not changed over the past three months, please
report them as unchanged even if the policies are either restrictive or accommodative relative
to longer-term norms. If your bank’s policies have tightened or eased over the past three
months, please so report them regardless of how they stand relative to longer-term norms.
Also, please report changes in enforcement of existing policies as changes in policies.

17. Please indicate your bank’s willingness to make consumer installment loans now as
opposed to three months ago. (This question covers the range of consumer installment
loans defined as consumer loans with a set number of scheduled payments, such as auto
loans, student loans, and personal loans. It does not cover credit cards and other types
of revolving credit, nor mortgages, which are included under the residential real estate
questions.)
1. Much more willing
2. Somewhat more willing
3. About unchanged
4. Somewhat less willing
5. Much less willing
6. My bank does not originate consumer installment loans
18. Over the past three months, how have your bank’s credit standards for approving applications for credit cards from individuals or households changed?
1. Tightened considerably
2. Tightened somewhat
3. Remained basically unchanged
4. Eased somewhat
5. Eased considerably
6. My bank does not originate credit card loans to individuals or households

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19. Over the past three months, how have your bank’s credit standards for approving applications for auto loans to individuals or households changed? (Please include loans
arising from retail sales of passenger cars and other vehicles such as minivans, vans,
sport-utility vehicles, pickup trucks, and similar light trucks for personal use, whether
new or used. Please exclude loans to finance fleet sales, personal cash loans secured by
automobiles already paid for, loans to finance the purchase of commercial vehicles and
farm equipment, and lease financing.)
1. Tightened considerably
2. Tightened somewhat
3. Remained basically unchanged
4. Eased somewhat
5. Eased considerably
6. My bank does not originate auto loans to individuals or households
20. Over the past three months, how have your bank’s credit standards for approving applications for consumer loans other than credit card and auto loans changed?
1. Tightened considerably
2. Tightened somewhat
3. Remained basically unchanged
4. Eased somewhat
5. Eased considerably
6. My bank does not originate consumer loans other than credit card or auto loans
21. Over the past three months, how has your bank changed the following terms and conditions on new or existing credit card accounts for individuals or households? (Please
assign each term a number between 1 and 5 using the following scale: 1=tightened considerably, 2=tightened somewhat, 3=remained basically unchanged, 4=eased somewhat,
5=eased considerably.)
a. Credit limits
b. Spreads of interest rates charged on outstanding balances over your bank’s cost
of funds (wider spreads=tightened, narrower spreads=eased)
c. Minimum percent of outstanding balances required to be repaid each month
d. Minimum required credit score (increased score=tightened, reduced score=eased)
e. The extent to which loans are granted to some customers that do not meet credit
scoring thresholds (increased=eased, decreased=tightened)
f. Other (please specify)

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22. Over the past three months, how has your bank changed the following terms and conditions on loans to individuals or households to purchase autos? (Please assign
each term a number between 1 and 5 using the following scale: 1=tightened considerably,
2=tightened somewhat, 3=remained basically unchanged, 4=eased somewhat, 5=eased
considerably.)
a. Maximum maturity
b. Spreads of loan rates over your bank’s cost of funds (wider spreads=tightened,
narrower spreads=eased)
c. Minimum required down payment (higher=tightened, lower=eased)
d. Minimum required credit score (increased score=tightened, reduced score=eased)
e. The extent to which loans are granted to some customers that do not meet credit
scoring thresholds (increased=eased, decreased=tightened)
f. Other (please specify)
23. Over the past three months, how has your bank changed the following terms and conditions on consumer loans other than credit card and auto loans? (Please assign
each term a number between 1 and 5 using the following scale: 1=tightened considerably,
2=tightened somewhat, 3=remained basically unchanged, 4=eased somewhat, 5=eased
considerably.)
a. Maximum maturity
b. Spreads of loan rates over your bank’s cost of funds (wider spreads=tightened,
narrower spreads=eased)
c. Minimum required down payment (higher=tightened, lower=eased)
d. Minimum required credit score (increased score=tightened, reduced score=eased)
e. The extent to which loans are granted to some customers that do not meet credit
scoring thresholds (increased=eased, decreased=tightened)
f. Other (please specify)

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24. Apart from normal seasonal variation, how has demand from individuals or households
for credit card loans changed over the past three months?
1. Substantially stronger
2. Moderately stronger
3. About the same
4. Moderately weaker
5. Substantially weaker
6. My bank does not originate credit card loans to individuals or households
25. Apart from normal seasonal variation, how has demand from individuals or households
for auto loans changed over the past three months?
1. Substantially stronger
2. Moderately stronger
3. About the same
4. Moderately weaker
5. Substantially weaker
6. My bank does not originate auto loans to individuals or households
26. Apart from normal seasonal variation, how has demand from individuals or households
for consumer loans other than credit card and auto loans changed over the past
three months?
1. Substantially stronger
2. Moderately stronger
3. About the same
4. Moderately weaker
5. Substantially weaker
6. My bank does not originate consumer loans other than credit card or auto loans

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Special Questions: Level of Standards
Question 27 asks you to describe the current level of lending standards at your bank relative to the range of standards that has prevailed between 2005 and the present, a period
which likely encompasses a wide range of standards as seen over a credit cycle. For each of
the loan categories listed below, please use as reference points the points at which standards
at your bank were tightest (most restrictive or least accommodative) and easiest (most accommodative or least restrictive) during this period.

27. Using the range between the tightest and the easiest that lending standards at your bank
have been between 2005 and the present, for each of the loan categories listed below,
how would you describe your bank’s current level of standards relative to that range?
(Please respond using the following scale: 1 = near the easiest level that standards
have been during this period, 2 = significantly easier than the midpoint of
the range that standards have been during this period, 3 = somewhat easier
than the midpoint of the range that standards have been during this period,
4 = near the midpoint of the range that standards have been during this
period, 5 = somewhat tighter than the midpoint of the range that standards
have been during this period, 6 = significantly tighter than the midpoint of
the range that standards have been during this period, 7 = near the tightest
level that standards have been during this period.) If a different time frame
(other than between 2005 and the present) would better encompass the most recent
period over which your bank’s standards have spanned the range of easiest to tightest,
please indicate that reference range in the comment box below.
A. C&I loans or credit lines:
a. Syndicated or club loans (large loans originated by a group of relationship
lenders) to investment-grade firms (or unrated firms of similar creditworthiness)
b. Syndicated or club loans to below-investment-grade firms (or unrated firms
of similar creditworthiness)
c. Non-syndicated loans to large and middle-market firms (annual sales of $50
million or more)
d. Non-syndicated loans to small firms (annual sales of less than $50 million)
e. Loans to very small firms (annual sales of less than $5 million)

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B. Loans or credit lines secured by commercial real estate:
a. For construction and land development purposes
b. Secured by nonfarm nonresidential properties
c. Secured by multifamily residential properties
C. Loans or credit lines secured by residential real estate (For the jumbo category,
consider residential real estate loans that have balances that are above the conforming
loan limits announced by the FHFA. For remaining categories, please refer to the
definitions of residential real estate loan categories stated in questions 13-14):
a.
b.
c.
d.

GSE-eligible residential mortgage loans
Government residential mortgage loans
Jumbo residential mortgage loans
Revolving home equity lines of credit

D. Consumer lending (please use your bank’s own categorization for credit quality segments):
a.
b.
c.
d.
e.

Credit card loans or lines of credit to prime borrowers
Credit card loans or lines of credit to subprime borrowers
Auto loans to prime borrowers
Auto loans to subprime borrowers
Consumer loans other than credit card and auto loans

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Question 28 asks you to describe the current level of lending standards at your bank for
loans to nondepository financial institutions (NDFIs) in four parts. Part A asks you to
report the period during which you bank started lending to NDFIs. Part B asks you to report
the period during which standards at your bank reached their tightest (most restrictive or
least accommodative) level between 2011 and the present. Part C asks you to report the
period during which standards at your bank reached their easiest (least restrictive or most
accommodative) level during the same period. Part D asks you to describe the current level
of lending standards at your bank for loans to NDFIs relative to the range of standards that
has prevailed between 2011 and the present. Please use as reference points the periods at
which standards at your bank were the tightest and easiest. For definitions of NDFI loan
categories, see FFIEC 031 and 041 instructions, Schedule RC-C, Part I, item 9.a.
28. Level of lending standards for loans to NDFIs:
A. Please select the period during which your bank started lending to NDFIs.
a. Before 2011
b. 2011-2015
c. 2016-2019
d. 2020-2022
e. 2023-present
B. Please select the range in which standards for loans to NDFIs at your bank
reached their tightest (most restrictive or least accommodative) level.
a. 2011-2015
b. 2016-2019
c. 2020-2022
d. 2023-present
C. Please select the range in which standards for loans to NDFIs at your bank
reached their easiest (least restrictive or most accommodative) level.
a. 2011-2015
b. 2016-2019
c. 2020-2022
d. 2023-present

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July 2026 Senior Loan Officer Opinion Survey
D. Using the range between the tightest and the easiest that lending standards at
your bank have prevailed between 2011 and the present for loans to NDFIs,
how would you describe your banks current level of standards relative to that
range? (Please respond using the following scale: 1=near the easiest level that standards have been during this period, 2=significantly
easier than the midpoint of the range that standards have been during this period, 3=somewhat easier than the midpoint of the range
that standards have been during this period, 4=near the midpoint of
the range that standards have been during this period, 5=somewhat
tighter than the midpoint of the range that standards have been during this period, 6=significantly tighter than the midpoint of the range
that standards have been during this period, 7=near the tightest level
that standards have been during this period.) If a different time frame
(other than between 2011 and the present) would better encompass the most
recent period over which your banks standards have spanned the range of easiest
to tightest, please indicate that reference range in the comment box below.
a. Mortgage credit intermediaries
b. Business credit intermediaries
c. Private equity funds
d. Consumer credit intermediaries
e. Other NDFIs

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Optional Question
Question 29 requests feedback on any other issues you judge to be important but are not
addressed in this survey.

29. Are there any other recent developments in lending practices not addressed in this survey
that you find particularly significant? Your response will help us stay abreast of breaking
issues and in choosing questions for future surveys. There is no need to reply if you have
nothing you would like to add.

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