{"id":7,"date":"2026-09-03T10:00:00","date_gmt":"2026-09-03T10:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/kelvinsmith-net\/2026\/09\/03\/us-lending-steady-housing-loan-demand-weak\/"},"modified":"2026-09-03T10:00:00","modified_gmt":"2026-09-03T10:00:00","slug":"us-lending-steady-housing-loan-demand-weak","status":"publish","type":"post","link":"https:\/\/www.kelvinsmith.net\/blog\/2026\/09\/03\/us-lending-steady-housing-loan-demand-weak\/","title":{"rendered":"US Lending Steady; Housing Loan Demand Weak"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/kelvin-w-smith-1149728\/fed-loan-demand-remotion-videos-ca41\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>In Q2, banks kept commercial and industrial lending standards largely unchanged, while demand strengthened among large and middle-market businesses across the United States.<br \/>\nHousehold lending looked mixed: residential Real Estate loan demand weakened, credit card standards tightened, and auto plus other consumer loan standards stayed largely unchanged.<br \/>\nDemand for vehicle financing declined, while borrowing demand from smaller businesses stayed broadly unchanged, showing very different credit conditions across business and household borrowers.<br \/>\nThe broader backdrop remained persistent inflation, steady economic growth, and a resilient labor market, with the US central bank recently leaving benchmark rates unchanged.<br \/>\nEconomists watch this survey closely because it can signal shifts in bank lending behavior, business investment, consumer borrowing, and Real Estate activity.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>In Q2, banks kept commercial and industrial lending standards largely unchanged, while demand strengthened among large and middle-market businesses across the United States. Household lending looked mixed: residential Real Estate loan demand weakened, credit card standards tightened, and auto plus other consumer loan standards stayed largely unchanged. Demand for vehicle financing declined, while borrowing demand [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":38,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.kelvinsmith.net\/blog\/wp-json\/wp\/v2\/posts\/7","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.kelvinsmith.net\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.kelvinsmith.net\/blog\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kelvinsmith.net\/blog\/wp-json\/wp\/v2\/comments?post=7"}],"version-history":[{"count":0,"href":"https:\/\/www.kelvinsmith.net\/blog\/wp-json\/wp\/v2\/posts\/7\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.kelvinsmith.net\/blog\/wp-json\/wp\/v2\/media\/38"}],"wp:attachment":[{"href":"https:\/\/www.kelvinsmith.net\/blog\/wp-json\/wp\/v2\/media?parent=7"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kelvinsmith.net\/blog\/wp-json\/wp\/v2\/categories?post=7"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kelvinsmith.net\/blog\/wp-json\/wp\/v2\/tags?post=7"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}