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Survey of Credit Underwriting Practices

August 2010

**Figure 2: Commercial Underwriting Trends, by Product Type**
(Percent of Responses)
	2003			2004			2005			2006			2007			2008			2009			2010
	Eased	Unchanged	Tightened	Eased	Unchanged	Tightened	Eased	Unchanged	Tightened	Eased	Unchanged	Tightened	Eased	Unchanged	Tightened	Eased	Unchanged	Tightened	Eased	Unchanged	Tightened	Eased	Unchanged	Tightened
CRE Commercial Construction	2	61	37	10	75	15	29	63	8	32	56	12	29	59	13	8	43	49	0	20	80	3	25	72
CRE Residential Construction	0	76	24	5	86	9	21	72	7	25	64	11	17	50	33	2	36	62	0	8	92	0	36	64
CRE Other	5	71	24	8	83	9	24	65	11	32	60	8	20	73	7	2	73	25	2	22	76	2	38	60
Leveraged Loans	0	48	52	15	85	0	32	68	0	62	31	8	67	33	0	20	20	60	0	31	69	0	25	75
Large Corporate	3	49	49	17	67	17	32	68	0	49	51	0	40	60	0	6	62	32	0	40	60	3	38	59
Commercial Leasing										12	76	12	26	69	5	7	50	43	0	40	60	0	27	73

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