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And Social Finance Inc., the latest in the "peer-to-peer lending" trend, has a loan at 5.99 percent for eligible borrowers from one of 79 participating schools, mostly elite private colleges and major state universities.
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"With May lending figures, we get our first glimpse at the effect the mortgage market review (MMR) has had on lending trends and, at least so far, the impact appears subtle, rather than dramatic," said Paul Smee, director general of the CML.
The evaluation group reviewed lending trends for a portfolio of 262 projects over the past 15 years that had agriculture components.
Both the government program and the recent lending trends were expected to produce admirable results: increased homeownership and opportunities in the market for people who had previously been denied credit.
"Overall, American Express should be able to generate higher growth and return on equity than other financial services companies, given less exposure to consumer lending trends and greater leverage from increased spending on cards," Ball said.
But now the terrorist attacks in America have lent the trend a new dynamic.
Prada lent the trend new impetus in 2001 by hanging a photographic mural of the German monumentalist Andreas Gursky in its SoHo boutique.
Investors are worried that Wall Street write-downs will make banks less willing to lend, a trend that would cut off a primary source of lifeblood for the economy.
George McCarthy is a housing economist at the Ford Foundation who specializes in keeping track of mortgage-lending trends and practices throughout the country.
Lending experts say the trend in favor of consumer loans should continue for the foreseeable future.
Its trends in lending survey showed that the 12-month growth rate in lending to UK businesses was -3.3% in August.
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