Net Percentage of Domestic Banks Tightening Standards for HELOCs
SUBLPDCLHSNQ • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
5.20
Year-over-Year Change
-26.76%
Date Range
1/1/2008 - 7/1/2025
Summary
Tracks changes in bank lending standards for home equity lines of credit. Indicates credit market conditions and potential shifts in residential lending practices.
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
Measures the net percentage of domestic banks reporting tightened standards for home equity lines of credit. Provides insight into bank lending behavior and credit market health.
Methodology
Surveyed banks report changes in lending standards compared to previous quarters.
Historical Context
Federal Reserve uses this indicator to assess credit market conditions and potential economic pressures.
Key Facts
- Indicates bank risk assessment for home equity lending
- Reflects broader economic and housing market conditions
- Important indicator for mortgage and lending trends
FAQs
Q: What does a positive percentage indicate?
A: A positive percentage means more banks are tightening lending standards for home equity lines of credit.
Q: How often is this data updated?
A: Typically updated quarterly as part of the Federal Reserve's bank lending survey.
Q: Why do banks tighten HELOC standards?
A: Banks may tighten standards due to economic uncertainty, increased risk, or changes in housing market conditions.
Q: How does this impact homeowners?
A: Tighter standards can make it more difficult for homeowners to access home equity credit lines.
Q: What does this data tell economists?
A: Provides insight into bank lending behavior and potential economic stress in the housing market.
Related Trends
Net Percentage of Other Domestic Banks Reducing the Maximum Size Credit Lines for Small Firms
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Number of Domestic Banks That Eased and Reported That Reduction in Defaults by Borrowers in Public Debt Markets Was a Somewhat Important Reason
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Number of Large Domestic Banks That Eased and Reported That Increased Liquidity in the Secondary Market for These (Commercial and Industrial) Loans Was Not an Important Reason
SUBLPDCIRESNLGNQ
Number of Large Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customer Investment in Plant or Equipment Was a Very Important Reason
SUBLPDCIRWEVLGNQ
Net Percentage of Large Domestic Banks Increasing the Minimum Required Credit Score for Auto Loans
SUBLPDCLATRLGNQ
Number of Domestic Banks That Eased and Reported That Reduced Concerns About the Effects of Legislative Changes, Supervisory Actions, or Changes in Accounting Standards Was a Somewhat Important Reason
SUBLPDCIREESNQ
Citation
U.S. Federal Reserve, Net Percentage of Domestic Banks Tightening Standards for HELOCs (SUBLPDCLHSNQ), retrieved from FRED.