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by Calculated Danger on 11/03/2025 02:00:00 PM
From the Federal Reserve: The October 2025 Senior Mortgage Officer Opinion Survey on Financial institution Lending Practices
he October 2025 Senior Mortgage Officer Opinion Survey on Financial institution Lending Practices (SLOOS) addressed adjustments within the requirements and phrases on, and demand for, financial institution loans to companies and households over the previous three months, which usually correspond to the third quarter of 2025.
Relating to loans to companies over the third quarter, survey respondents reported, on stability, tighter lending requirements for business and industrial (C&I) loans to companies of all sizes.2 Banks additionally reported, on stability, stronger demand for C&I loans from giant and middle-market companies and mainly unchanged demand from small companies. Moreover, banks reported usually unchanged requirements and demand for many business actual property (CRE) mortgage classes.
For loans to households, banks reported mainly unchanged lending requirements and stronger demand for residential mortgage loans and residential fairness strains of credit score (HELOCs) on stability. For shopper loans, requirements remained mainly unchanged for bank card and different shopper loans and eased for auto loans. In the meantime, demand remained mainly unchanged for bank card and different shopper loans and weakened for auto loans.
The October SLOOS included a set of particular questions inquiring concerning the probability of approving C&I and bank card mortgage purposes as compared with the start of the 12 months—by agency measurement and commerce publicity ranges for C&I loans and by borrower threat for bank card loans. Banks reported being extra more likely to approve C&I mortgage purposes from each giant and small companies with low commerce exposures and fewer more likely to approve C&I mortgage purposes from companies of all sizes with excessive commerce exposures. Banks additionally reported being extra more likely to approve bank card purposes from super-prime and prime debtors however much less more likely to approve purposes from near-prime or subprime debtors.
emphasis added
Click on on graph for bigger picture.
This graph on Residential Actual Property demand is from the Senior Mortgage Officer Survey Charts.
This graph is for demand and exhibits that demand has been weak since late 2021, however has picked up barely just lately.
The left graph is from 1990 to 2014. The appropriate graph is from 2015 to Q3 2025.
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