Net percentage of domestic banks tightening standards for for loans to households in the United States from 1st quarter 2012 to 2nd quarter 2023, by type
Characteristic
Auto loans
Credit card loans
Consumer loans*
GSE-eligible mortgages
Government mortgages
Subprime mortgages
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This figures show the difference between the banks tightening standards and those tightening standards for those types of loans. Negative figures show that most banks were loosening standards, while positive figures show that most banks were tightening their standards for household loans.
Citation formats
Banks tightening standards for household loans in the U.S. 2012-2023, by loan type
Subprime mortgages, car loans, and credit card loans were the types of lending to households for which a higher percentage of banks in the United States were tightening standards in early 2023. In the case of other types of mortgages, there were slightly more bank officers reporting tighter lending standards than those reporting a loosening of those standards. Any figure below zero signals that over ** percent of domestic banks had looser lending standards, while figures above zero show that at least half of domestic banks had tighter standards.
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Federal Reserve. (May 8, 2023). Net percentage of domestic banks tightening standards for for loans to households in the United States from 1st quarter 2012 to 2nd quarter 2023, by type [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved August 01, 2026, from /statistics/1390133/tightening-standards-for-household-loans-in-the-us-by-loan-type/
Federal Reserve. "Net percentage of domestic banks tightening standards for for loans to households in the United States from 1st quarter 2012 to 2nd quarter 2023, by type." Chart. May 8, 2023. ÌÇÐÄÆƽâ°æ. Accessed August 01, 2026. /statistics/1390133/tightening-standards-for-household-loans-in-the-us-by-loan-type/
Federal Reserve. (2023). Net percentage of domestic banks tightening standards for for loans to households in the United States from 1st quarter 2012 to 2nd quarter 2023, by type. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: August 01, 2026. /statistics/1390133/tightening-standards-for-household-loans-in-the-us-by-loan-type/
Federal Reserve. "Net Percentage of Domestic Banks Tightening Standards for for Loans to Households in The United States from 1st Quarter 2012 to 2nd Quarter 2023, by Type." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 8 May 2023, /statistics/1390133/tightening-standards-for-household-loans-in-the-us-by-loan-type/
Federal Reserve, Net percentage of domestic banks tightening standards for for loans to households in the United States from 1st quarter 2012 to 2nd quarter 2023, by type ÌÇÐÄÆƽâ°æ, /statistics/1390133/tightening-standards-for-household-loans-in-the-us-by-loan-type/ (last visited August 01, 2026)
Net percentage of domestic banks tightening standards for for loans to households in the United States from 1st quarter 2012 to 2nd quarter 2023, by type [Graph], Federal Reserve, May 8, 2023. [Online]. Available: /statistics/1390133/tightening-standards-for-household-loans-in-the-us-by-loan-type/
