Net Percentage of Other Domestic Banks Tightening Standards for Qualified Mortgage Non-Jumbo, Non-GSE-Eligible Mortgage Loans
SUBLPDHMSQOTHNQ • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
2.60
Year-over-Year Change
N/A%
Date Range
1/1/2015 - 7/1/2025
Summary
Tracks changes in lending standards for qualified mortgage loans by domestic banks. Provides critical insight into bank lending practices and credit market conditions.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
This metric measures the net percentage of banks tightening mortgage lending standards for non-jumbo, non-GSE-eligible loans. It indicates credit market accessibility and bank risk perception.
Methodology
Calculated through Federal Reserve bank lending survey responses comparing tightening versus loosening standards.
Historical Context
Used by policymakers to assess credit market health and potential economic constraints.
Key Facts
- Indicates bank lending risk appetite
- Reflects potential mortgage market constraints
- Part of Federal Reserve's senior loan officer survey
FAQs
Q: What does this metric reveal about mortgage lending?
A: It shows how banks are adjusting mortgage lending standards. Higher percentages indicate more restrictive lending conditions.
Q: Why do banks tighten mortgage lending standards?
A: Banks tighten standards in response to economic uncertainty or increased perceived risk in the lending market.
Q: How often is this data updated?
A: The Federal Reserve typically updates this survey quarterly with detailed lending condition assessments.
Q: What impact does this have on home buyers?
A: Tighter standards can make mortgage approval more difficult and potentially reduce home buying opportunities.
Q: How do economic conditions influence this metric?
A: Economic downturns or financial stress typically lead to more conservative lending standards.
Related Trends
Net Percentage of Large Domestic Banks Reporting Stronger Demand for Qualified Mortgage Jumbo Mortgage Loans
SUBLPDHMDJLGNQ
Number of Foreign Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Shifts in Customer Borrowing to Other Bank or Nonbank Sources Was a Somewhat Important Reason
SUBLPFCIRWSSNQ
Number of Other Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customers' Precautionary Demand for Cash and Liquidity Was Not an Important Reason
SUBLPDCIRWPNOTHNQ
Number of Foreign Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Accounts Receivable Financing Needs Was a Somewhat Important Reason
SUBLPFCIRSASNQ
Net Percentage of Domestic Banks Reporting Stronger Demand for Auto Loans
DEMAUTO
Number of Foreign Banks That Tightened and Reported That Deterioration in Current or Expected Capital Position Was a Somewhat Important Reason
SUBLPFCIRTCSNQ
Citation
U.S. Federal Reserve, Net Percentage of Other Domestic Banks Tightening Standards for Qualified Mortgage Non-Jumbo, Non-GSE-Eligible Mortgage Loans (SUBLPDHMSQOTHNQ), retrieved from FRED.