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Mortgage lending standards
Mortgage lending standards is +0.0% net and has held roughly steady over the last 3 months. That is high by historical standards: higher than 77% of readings since 2015.
Latest (latest reading)
+0.0% net
As of
Q4 2026
3-month change
0.00 % pts
1-year change
+1.70 % pts
20-year percentile
77th
20-year median
-3.2% net
What it is. Net share of banks tightening standard (GSE-eligible) mortgage approvals (from 2015). A higher reading means more credit stress in the Credit reading.
What it affects next
Mortgage lending standards is unusually high: +0.0% net, 77th percentile of the last 20 years. Here is what has tended to follow, based on links the data backs up.
No tested downstream links to trace yet.
What is driving it
None of its tested drivers is moving much right now.
Source: Federal Reserve Senior Loan Officer Survey via FRED (series SUBLPDHMSENQ).