View quarterly data for household lending conditions and business lending conditions.
As of January 1, 2020 the Senior Loan Officer Survey publication is no longer produced. The latest data will continue to be published quarterly.
About the survey:
- conducted quarterly, near the end of the quarter for which the results are reported;
- collects information on the lending practices of Canadian financial institutions;
- gathers the perspectives of respondents on price and non-price terms of lending and on topical issues of interest to the Bank of Canada.
Learn more about the survey from this background document.
- Survey respondents do not always answer all the questions. Totals may not equal 100%.
- The survey results summarize opinions expressed by the respondents and do not necessarily reflect the views or policies of the Bank of Canada.
Household lending conditions
Overall household lending conditions: Balance of opinion
| Series | 2023Q4 | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|---|
| Mortgage lending conditions | -1.74 | 3.76 | -2.74 | -2.86 | -10.39 |
| Non-mortgage lending conditions | 10.46 | 15.52 | 10.34 | -1.53 | -1.20 |
Mortgage lending conditions: Balance of opinion
| Series | 2023Q4 | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|---|
| Mortgage non-price lending conditions | -3.47 | 25.17 | 0.00 | -5.65 | -10.81 |
| Mortgage price lending conditions | 0.00 | -17.64 | -5.48 | -0.07 | -9.96 |
Non-mortgage lending: Balance of opinion
| Series | 2023Q4 | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|---|
| Non-mortgage non-price lending conditions | 7.66 | 17.78 | 16.26 | -3.74 | -3.07 |
| Non-mortgage price lending conditions | 13.27 | 13.27 | 4.42 | 0.68 | 0.68 |
Business lending conditions
Overall business lending conditions
| Series | 2023Q4 | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|---|
| Overall business lending conditions | 5.760000 | 2.640000 | 6.850000 | 1.710000 | -1.890000 |
Price and non-price lending conditions
| Series | 2023Q4 | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|---|
| Business non-price lending conditions | 0.370000 | 0.720000 | 16.309999 | 3.430000 | -0.730000 |
| Business price lending conditions | 11.140000 | 4.550000 | -2.620000 | 0.000000 | -3.050000 |