Line
Banks Tightening Lending Standards: Business vs Household Loans
Net share of banks tightening standards, weighted by loan balances, %
Plays the chart through its history. Pauses are where the data set a record or moved most.
Business loans · Continuation · the recent trend, flattening · 1 year
Household loans · Continuation · the recent trend, flattening · 1 year
Dashed: the projection from the latest reading. Shaded: the range about two in three outcomes land in. A projection, not a promise.
Net share of banks: those tightening (or seeing stronger demand) minus those easing (or seeing weaker demand). Federal Reserve Senior Loan Officer Opinion Survey.
Whether banks are making it harder to borrow, for companies and for households, each bank counted by how much it lends.
What this chart reads
- Net % of Banks Tightening Standards: Business Loans (Weighted by Balances)as “Business loans”latest 2026-07-01
- Net % of Banks Tightening Standards: Household Loans (Weighted by Balances)as “Household loans”latest 2026-07-01
Sources
Net % of Banks Tightening Standards: Business Loans (Weighted by Balances). Source: Federal Reserve Board, Senior Loan Officer Opinion Survey on Bank Lending Practices (SUBLPDMBSXWBNQ), via FRED. Public domain.
Net % of Banks Tightening Standards: Household Loans (Weighted by Balances). Source: Federal Reserve Board, Senior Loan Officer Opinion Survey on Bank Lending Practices (SUBLPDMHSXWBNQ), via FRED. Public domain.
Charts are drawn from Palanor's signal library and recomputed from source data on every view. Transformations (changes, indexing, year-on-year rates) are Palanor's.