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Survey of Credit Underwriting Practices

June 2011

**Figure 1: Overall Credit Underwriting Trends—Commercial (Percentage of Responses)**
	Eased	No Change	Tightened
1999	10	66	25
2000	16	59	25
2001	6	32	61
2002	0	38	62
2003	5	48	47
2004	13	75	12
2005	34	54	12
2006	31	63	6
2007	26	58	16
2008	6	42	52
2009	0	14	86
2010	2	33	65
2011	20	48	32

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