Comptroller of the Currency, Administrator of National Banks Ensuring a Safe and Sound National Banking System for all Americans
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Publications:
2009 Survey of Credit Underwriting Practices
July 2009


Graphs

Bar Chart: Overall Annual Change in Loan Production




Bar Chart: Sources of Loan Production Change




Bar Chart: Overall Commercial Credit Underwriting Trends




Bar Chart: Commercial Underwriting Trends, by Product Type




Bar Chart: Commercial Underwriting Trends, by Product Type (continued)




Bar Chart: Reasons for Tightening Commercial Underwriting Standards




Bar Chart: Methods Used to Tighten Commercial Underwriting Standards




Bar Chart: Commercial Credit Risk Trends (Past 12 Months and Next 12 Months)




Bar Chart: Commercial Credit Risk Trends (Current Credit Risk Change, by Product Type)




Bar Chart: Commercial Credit Risk Trends (Current Credit Risk Change, by Product Type, continued)




Bar Chart: Overall Retail Credit Underwriting Trends




Bar Chart: Retail Underwriting Trends, by Product Type




Bar Chart: Reasons for Tightening Retail Underwriting Standards




Bar Chart: Methods Used to Tighten Retail Underwriting Standards




Bar Chart: Retail Credit Risk Trends (Past 12 Months and Next 12 Months)




Bar Chart: Retail Credit Risk Trends (Current Credit Risk Change, by Product Type)




Bar Chart: Origination Purpose




Bar Chart: Residential Real Estate Lending Origination Channels



Part I: Overall Results

Part II: Graphs and Tables

Tables: Commercial Lending Porfolios
Tables: Retail Lending Porfolios

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The Office of the Comptroller of the Currency was created by Congress to charter national banks, to oversee a nationwide system of banking institutions, and to assure that national banks are safe and sound, competitive and profitable, and capable of serving in the best possible manner the banking needs of their customers.

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