For most single-family lending programs, credit standards at banks were little changed during the second quarter. While demand for residential loans was up at a good share of banks, it was also down at a good share.
In its July 2018 Senior Loan Officer Opinion Survey on Bank Lending Practices, the Federal Reserve Board reported that 23 percent of large banks eased standards on loans considered eligible for the government-sponsored enterprises.
At the same time, demand for GSE-eligible mortgages increased at 23 percent of large banks — those with at least $20 billion in domestic assets — while it fell a 29 percent of non-large banks.
Source: Mortgage Daily