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Commentary from Frost Investment Advisors | February 13 , 2023

Strong Services Shrug off Tightened Bank Lending Standards Now at Recessionary Levels

It’s Getting Harder to Get a Loan

The number of banks reporting tighter lending standards rose in the fourth quarter last year, moving to levels that aren’t usually seen except during recessions. The tightening was greatest for construction and commercial real estate loans, followed by commercial and industrial loans for businesses of all sizes. Consumer loans also tightened, but the changes were less severe than for the other categories. Loan demand fell for businesses and consumers, led by a collapse in mortgage applications.

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