Net Percentage of Large Domestic Banks Tightening Standards for Qualified Mortgage Jumbo Mortgage Loans
SUBLPDHMSJLGNQ • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
-15.00
Year-over-Year Change
94.81%
Date Range
1/1/2015 - 7/1/2025
Summary
Measures changes in lending standards for qualified jumbo mortgage loans among large domestic banks. Provides insights into high-value mortgage market conditions and credit availability.
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
This indicator tracks the net percentage of banks tightening lending standards for jumbo mortgage loans. It reflects banks' risk assessment in the high-value mortgage segment.
Methodology
Derived from quarterly bank lending survey comparing tightening and easing of jumbo mortgage standards.
Historical Context
Critical for understanding credit conditions in the high-value residential real estate market.
Key Facts
- Focuses on high-value mortgage lending
- Quarterly survey-based metric
- Indicates credit conditions for expensive properties
FAQs
Q: What are jumbo mortgage loans?
A: Jumbo loans are mortgage loans that exceed conforming loan limits set by government-sponsored enterprises.
Q: How do jumbo loan standards differ from standard mortgages?
A: Jumbo loans typically have stricter qualification requirements and higher interest rates due to increased lender risk.
Q: Why do banks tighten jumbo mortgage standards?
A: Banks may tighten standards in response to economic volatility or increased risk in the high-value real estate market.
Q: How do jumbo loan standards impact home buyers?
A: Tighter standards can make it more challenging for buyers to secure financing for high-value properties.
Q: What economic factors influence jumbo loan standards?
A: Housing market conditions, economic stability, and overall financial sector risk assessment impact these standards.
Related Trends
Net Percentage of Domestic Banks Reporting Stronger Demand Across Loan Categories, Weighted by Banks' Outstanding Loan Balances by Category
SUBLPDMODXWBNQ
Net Percentage of Domestic Banks Reporting Stronger Demand for Auto Loans
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Number of Foreign Banks That Tightened and Reported That Worsening of Industry-Specific Problems Was a Somewhat Important Reason
SUBLPFCIRTISNQ
Net Percentage of Large Domestic Banks Tightening Policies on Consumer Loans Excluding Credit Card and Auto Loans to Customers That Do Not Meet Credit Scoring Thresholds
SUBLPDCLXTELGNQ
Number of Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Shifts in Customer Borrowing From Other Bank or Nonbank Sources Was a Very Important Reason
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Number of Foreign Banks That Tightened and Reported That Less Aggressive Competition From Other Banks or Nonbank Lenders Was a Very Important Reason
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Citation
U.S. Federal Reserve, Net Percentage of Large Domestic Banks Tightening Standards for Qualified Mortgage Jumbo Mortgage Loans (SUBLPDHMSJLGNQ), retrieved from FRED.