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Survey of Credit Underwriting Practices

June 2011

**Figure 2: Commercial Underwriting Trends, by Product Type (Percentage of Responses)** (Continued)
	2003			2004			2005			2006			2007			2008			2009			2010			2011
	Eased	Unchanged	Tightened	Eased	Unchanged	Tightened	Eased	Unchanged	Tightened	Eased	Unchanged	Tightened	Eased	Unchanged	Tightened	Eased	Unchanged	Tightened	Eased	Unchanged	Tightened	Eased	Unchanged	Tightened	Eased	Unchanged	Tightened
Agriculture Loans	0	67	33	0	93	7	0	93	7	5	95	0	10	80	10	0	95	5	0	75	25	0	54	46	0	80	20
Asset-Based Loans	0	58	42	16	71	13	30	67	3	30	57	13	25	68	7	9	70	22	6	23	71	8	31	62	23	54	23
International Loans	6	55	39	11	61	28	27	73	0	30	70	0	30	70	0	10	60	30	0	13	88	30	40	30	56	33	11
Middle Market	6	63	31	14	81	5	28	67	6	31	66	3	33	60	7	6	69	25	0	33	67	0	50	50	19	64	17
Small Business	4	65	31	11	74	15	13	81	6	19	76	5	11	76	13	11	72	17	0	36	64	0	34	66	12	55	33
Hedge Fund (Direct Exposure)													17	66	17	0	100	0	0	17	83	0	40	60	0	100	0
Hedge Fund (Counterparty Credit Exposure)													29	71	0	0	29	71	0	14	86	33	50	17	0	100	0

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