sandiegobanker – do you see the lax lending standards of residential lending extended to commercial lending? Are the banks going to follow the recent tightened lending guidelines, or will the banks just shrug them off? Are the banks at all concerned about the housing bubble, or are they careless since they don’t hold the loans inhouse (unless your bank does). Do you see a slowdown in lending for commercial, such as highrises or retail buildings, both as a result of tighter credit and anticipated real estate slowdown? Any other observations about the market?
