Tag Archive for ‘sloos’

Senior Loan Officer Survey As A Barometer of the Economy

Lending standards on business loans to large and medium-sized firms eased on net over the second quarter of 2017 according to the Federal Reserve Board’s Senior Loan Officer Opinion Survey. Historical evidence has shown that lending standards on business loans to these establishments is correlated with both the growth in the stock of business loans held by banks and with… Read More ›

More Banks Tighten Credit Standards on MF Debt

Results from the most recent Senior Loan Officer Opinion Survey (SLOOS) indicate that lending standards on multifamily residential mortgages continue to show signs of tightening and the pace of tightening is growing. The Federal Reserve Board’s SLOOS asks senior loan officers at large banks their opinion on changes in the standards and terms on, and demand for, bank loans to… Read More ›

Lending Standards on AD&C Financing Continue to Ease, but at a Diminished Pace

According to NAHB’s Survey on Acquisition, Development & Construction Financing, builders and developers again reported easing credit standards for acquisition, development, and construction (AD&C) loans. However, the pace of easing continues to slow from previous periods. In the first quarter of 2016, 13.3% of survey respondents on net indicated that overall lending standards on AD&C loan availability had eased. In… Read More ›

Banks Report Continued Tightening on Multifamily, AD&C Loans

Credit standards on loan applications for commercial real estate loans (CRE), which includes land development and construction, multifamily, as well as nonfarm nonresidential loans, tightened over the first quarter of 2016. Moreover, the pace of tightening in each of these types of CRE loans has progressively grown over the past year. More specifically, banks indicate that tightened lending standards over… Read More ›

Lending Standards on AD&C Financing Continue to Ease, but at a Moderately Slower Pace

Builders and developers continue to report easing credit standards for acquisition, development, and construction (AD&C) loans. However, the pace of easing has slowed somewhat from previous periods. According to NAHB’s Survey on Acquisition, Development & Construction Financing, 27.7% of survey respondents on net indicated that overall lending standards on AD&C loan availability had eased in the fourth quarter of 2015…. Read More ›

AD&C Credit Standards Tighten, Even as Outstanding Loan Amounts Rise

Credit standards on loan applications for construction and land development loans or credit lines tightened, on net, over the fourth quarter of 2015. According to the most recent iteration of the Federal Reserve Board’s Senior Loan Officer Opinion Survey, a net share of 12.7% said that lending standards at their respective commercial bank tightened. The net share represents the difference between… Read More ›

Lending Standards Tighten on Land Development and Construction Lending

Credit standards on applications for land development and construction loans or credit lines tightened on net, albeit slightly, over the second quarter of 2015. According to the most recent iteration of the Federal Reserve Board’s Senior Loan Officer Opinion Survey, a net share of 1.4% of senior bank respondents reported that lending standards at their respective bank tightened over the… Read More ›

According to the Survey (SLOOS), Size Really Does Matter

In the April 2015 iteration of the Senior Loan Officer Opinion Survey (SLOOS), the Federal Reserve Board included a special question on residential real estate lending. That special question asked banks about how they had responded to new guidelines issued by the GSEs on November 20, 2014, on the definition of life-of-loan representation and warranty exclusions. These policies were designed,… Read More ›

A Wonderful Life??? 4th Qtr Mortgage Standards Ease at Big Banks, Tighten at Regional Ones

The Federal Reserve Board recently released its survey of senior bank loan officers. The January 2014 Senior Loan Officer Opinion Survey on Bank Lending Practices addressed changes in the standards and terms on, and demand for, bank loans to businesses and households over the final quarter of 2013. According to the survey results, lending standards eased for most consumer loans…. Read More ›