U.S. mortgage requirements change 2015-2025| ��ƽ��

Change in the residential mortgage lending standards according to lenders in the United States from 1st quarter 2015 to 2nd quarter 2025, by loan type

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Release date

May 2025

More information

Region

United States

Survey time period

Q1 2015 to Q2 2025

Special properties

domestic respondents*

Supplementary notes

*80 large domestic banks and twenty-four U.S. branches and agencies of foreign banks

Citation formats

In the second quarter of 2025, the net percentage of respondents who reported that the standards for government residential mortgages tightened in the past three months was **** percent. This means that the share of industry experts who observed a tightening of standards was to the share of those who observed an easing. During the housing market boom in the third quarter of 2020, this figure spiked to **** percent, showing that industry experts overwhelmingly reported tightening standards.

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Characteristic	Subprime	GSE-eligible	Government	QM non-jumbo, non-GSE-eligible	QM jumbo	Non-QM jumbo	Non-QM non-jumbo
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Characteristic	Subprime	GSE-eligible	Government	QM non-jumbo, non-GSE-eligible	QM jumbo	Non-QM jumbo	Non-QM non-jumbo
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Change in the residential mortgage lending standards according to lenders in the United States from 1st quarter 2015 to 2nd quarter 2025, by loan type

Other statistics on the topicMortgage industry in the U.S.

Other statistics that may interest you

Other statistics that may interest you Statistics on

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Other statistics on the topic
Mortgage industry in the U.S.

Characteristic	Subprime	GSE-eligible	Government	QM non-jumbo, non-GSE-eligible	QM jumbo	Non-QM jumbo	Non-QM non-jumbo
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