Statistics, opinion, or a little of both? I'm not sure, but it's nice to read anything positive about the housing situation right now. An article at TheMortgageReports.com presents a graph showing improving demand for home loan products. Far from great, "improving" is still a nice word to hear about any aspect of the housing market.

The opinion is based on data from a quarterly survey of 84 banks conducted by the Federal Reserve. It is entitled "Senior Loan Officer Opinion Survey on Bank Lending Practices." There is also a great deal of commercial loan data, as well as HELOC demand. I think I'll just read it again...it's a nice complement to my morning coffee.