Eye On Housing
The theme of the latest Senior Loan Officer Opinion Survey reflecting banks’ lending practices, in the first quarter of 2020, is one that is echoed in other reports produced by organizations in the financial services sector. Amid the continuing efforts to slow the spread of COVID-19, focusing on existing assets and clients is more important than expanding balance sheets to… Read More ›
The Federal Reserve’s latest Senior Loan Officer Opinion Survey contains the reported lending practices, as of the fourth quarter of 2019, of 80 large domestically chartered commercial banks and up to 24 large U.S. branches and agencies of foreign banks. The questions that comprise most of the survey are those relating to Commercial & Industrial (C&I) loans, Commercial Real Estate… Read More ›
A recent NAHB study shows that the median size of a subdivision in the United States is 25 total acres, and the median number of housing units in a subdivision is 50. The results are based on a survey of development projects currently under way or recently completed, conducted by NAHB’s Economics and Housing Policy Group in May 2016. NAHB… Read More ›
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 ›
Data collected during a 2014 survey allow NAHB to produce, for the first time, summary statistics that describe the typical residential subdivision being built in the United States. The results were recently published as a Special Study in HousingEconomics.com. For subdivisions of single-family detached homes, the summary statistics are as follows: Median size: 22 acres. Median number of housing units: 48. Median gross density:… Read More ›
A recent blog showed that, after many quarters of persistent and often extreme tightening, availability of credit for land acquistion, development and construction (AD&C) eased slightly at the end of 2012. However, most of the improvement was in the availability of loans for single-family construction. For land acquisition and development, NAHB members were closer to evenly split on whether credit conditions had… Read More ›
A recent blog showed that, after many quarters of persistent and often extreme tightening, availability of credit for land acquistion, development and construction (AD&C) eased slightly at the end of 2012. However, most of the improvement was in the availability of loans for single-family construction. For land acquisition and development, NAHB members were closer to evenly split on whether credit conditions had… Read More ›
Availability of new loans for acquisition, development, and construction (AD&C) has finally started to improve slightly, according to NAHB’s survey on AD&C financing for the third quarter of 2012. The overall net bank tightening index calculated from the AD&C survey dropped from +6.0 in the second quarter down to -4.3. The way the index is constructed, negative numbers indicate easing… Read More ›