Mortgage lending conditions Mortgage lending: overall lending conditions (average of price and non-price lending conditions for insured mortgages, uninsured mortgages and HELOCs combined) Non-mortgage lending conditions Non-mortgage lending: overall lending conditions (average of price and non-price lending conditions for auto lending and all other consumer lending combined) 22.934.86 -1.37-3.73 18.586.44 9.411.92 34.63-1.23 -8.12-2.01 -2.950.48