Survey of Credit Underwriting Practices 2010

Survey of Credit Underwriting Practices 2010, Office of the Comptroller of the Currency, August 2010

  • “The Office of the Comptroller of the Currency (OCC) conducted its 16th annual underwriting survey to identify trends in lending standards and credit risk for the most common types of commercial and retail credit offered by national banks. The survey covered the 12-month period ending March 31, 2010. The 2010 survey included examiner assessments of credit underwriting standards at 51 of the largest national banks with assets of $3 billion or more. Examiners reported on loan products greater than 2 percent of the company’s committed loan portfolio or more than $10 billion in committed exposure. The OCC recognizes that banks not meeting these thresholds may offer a full suite of products; because of the size of the product portfolios, examiners did not gather information on them for the purposes of this report. The survey covered loans totaling $4 trillion as of December 31, 2009, which represented approximately 93 percent of total loans in the national banking system at that time. Large banks discussed in this report are the 14 largest banks by asset size supervised by the OCC’s Large Bank Supervision Department; the other 37 banks are supervised by the OCC’s Midsize/Community Bank Supervision Department.”
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