Senior Loan Officer Survey

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

Series2023Q42024Q12024Q22024Q32024Q4
Mortgage lending conditions-1.743.76-2.74-2.86-10.39
Non-mortgage lending conditions10.4615.5210.34-1.53-1.20

Mortgage lending conditions: Balance of opinion

Series2023Q42024Q12024Q22024Q32024Q4
Mortgage non-price lending conditions-3.4725.170.00-5.65-10.81
Mortgage price lending conditions0.00-17.64-5.48-0.07-9.96

Non-mortgage lending: Balance of opinion

Series2023Q42024Q12024Q22024Q32024Q4
Non-mortgage non-price lending conditions7.6617.7816.26-3.74-3.07
Non-mortgage price lending conditions13.2713.274.420.680.68

Business lending conditions

Overall business lending conditions

Series2023Q42024Q12024Q22024Q32024Q4
Overall business lending conditions5.7600002.6400006.8500001.710000-1.890000

Price and non-price lending conditions

Series2023Q42024Q12024Q22024Q32024Q4
Business non-price lending conditions0.3700000.72000016.3099993.430000-0.730000
Business price lending conditions11.1400004.550000-2.6200000.000000-3.050000

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