Changes

What changed

Between March 31, 2026 and June 30, 2026, bank C&I loans rose 2.0% to $2.6T (FDIC call reports).

Quarter
March 31, 2026 to June 30, 2026
HMDA
2024 to 2025
SBA through
September 30, 2026
Page last changed
November 11, 2026

Market totals

Every filer in the source files

  • Bank multifamily loans rose 0.3% to $670.3B in the quarter ended June 30, 2026 (FDIC call reports). FDIC call reports
  • Bank construction loans rose 0.1% to $458.9B in the quarter ended June 30, 2026 (FDIC call reports). FDIC call reports
  • Bank owner-occupied CRE loans rose 1.1% to $711.3B in the quarter ended June 30, 2026 (FDIC call reports). FDIC call reports
  • Bank non-owner-occupied CRE loans rose 0.9% to $1.2T in the quarter ended June 30, 2026 (FDIC call reports). FDIC call reports
  • Bank farmland loans rose 1.6% to $124.4B in the quarter ended June 30, 2026 (FDIC call reports). FDIC call reports
  • Bank C&I loans rose 2.0% to $2.6T in the quarter ended June 30, 2026 (FDIC call reports). FDIC call reports
  • Banks filing call reports went from 4,353 to 4,313 between March 31, 2026 and June 30, 2026. FDIC call reports
  • Credit union multifamily loans rose 2.2% to $48B in the quarter ended June 30, 2026 (NCUA 5300). NCUA 5300
  • Credit union construction loans rose 4.1% to $11.1B in the quarter ended June 30, 2026 (NCUA 5300). NCUA 5300
  • Credit union owner-occupied CRE loans rose 4.2% to $39.6B in the quarter ended June 30, 2026 (NCUA 5300). NCUA 5300
  • Credit union non-owner-occupied CRE loans rose 2.0% to $87.9B in the quarter ended June 30, 2026 (NCUA 5300). NCUA 5300
  • Credit union farmland loans rose 2.7% to $3.3B in the quarter ended June 30, 2026 (NCUA 5300). NCUA 5300
  • Credit union C&I loans rose 4.2% to $11.8B in the quarter ended June 30, 2026 (NCUA 5300). NCUA 5300
  • Credit unions filing call reports went from 4,336 to 4,299 between March 31, 2026 and June 30, 2026. NCUA 5300
  • HMDA multifamily originations totaled $269.2B in 2025 across 43,226 loans, versus $206.9B across 32,620 loans in 2024 (HMDA). HMDA
  • SBA 7(a) approvals net of cancellations totaled $29.5B in the 12 months to September 30, 2026, versus $32B in the prior 12 months (SBA). SBA FOIA
  • SBA 504 first-lien loans, net of cancellations, totaled $9.7B across 5,951 projects in the 12 months to September 30, 2026, versus $10.5B across 6,462 projects in the prior 12 months (SBA). SBA FOIA

Cite this

Source: The Lender Report, What changed in US lending, https://lender.report/changes/, data as of June 30, 2026.

Largest book increases

Quarter ended June 30, 2026. Balances from call reports and credit union 5300 filings.

Largest book increases
LenderWhat changed
Banco Bilbao Vizcaya, S.A.C&I balance rose 17.9% to $27.6B in the quarter ended June 30, 2026 (FDIC call report).
PNC Bank, National AssociationNon-owner-occupied CRE balance rose 24.7% to $16.5B in the quarter ended June 30, 2026 (FDIC call report). Includes loans from an acquisition.
Sunflower Bank, National AssociationMultifamily balance rose from $228M to $2.6B in the quarter ended June 30, 2026 (FDIC call report). Includes loans from an acquisition.
OceanFirst Bank, National AssociationNon-owner-occupied CRE balance rose 47.9% to $5.5B in the quarter ended June 30, 2026 (FDIC call report). Includes loans from an acquisition.
PNC Bank, National AssociationConstruction balance rose 44.5% to $5.3B in the quarter ended June 30, 2026 (FDIC call report). Includes loans from an acquisition.
Citizens Business Bank, National AssociationNon-owner-occupied CRE balance rose 43.3% to $4.9B in the quarter ended June 30, 2026 (FDIC call report). Includes loans from an acquisition.
PNC Bank, National AssociationMultifamily balance rose 10.5% to $15B in the quarter ended June 30, 2026 (FDIC call report). Includes loans from an acquisition.
PNC Bank, National AssociationOwner-occupied CRE balance rose 15.8% to $10.4B in the quarter ended June 30, 2026 (FDIC call report). Includes loans from an acquisition.
Standard Chartered Bank, PLCC&I balance rose 14.4% to $11B in the quarter ended June 30, 2026 (FDIC call report).
OceanFirst Bank, National AssociationMultifamily balance rose 115.2% to $2.4B in the quarter ended June 30, 2026 (FDIC call report). Includes loans from an acquisition.
Flagstar Bank, National AssociationC&I balance rose 11.5% to $12.1B in the quarter ended June 30, 2026 (FDIC call report).
Associated Bank, National AssociationC&I balance rose 12.5% to $9.6B in the quarter ended June 30, 2026 (FDIC call report). Includes loans from an acquisition.
Citibank, National AssociationMultifamily balance rose 13.8% to $8.3B in the quarter ended June 30, 2026 (FDIC call report).
Burke & Herbert Bank & Trust CompanyNon-owner-occupied CRE balance rose 34.9% to $3.1B in the quarter ended June 30, 2026 (FDIC call report). Includes loans from an acquisition.
Bank OZKC&I balance rose 20.6% to $4.6B in the quarter ended June 30, 2026 (FDIC call report).
Synchrony BankC&I balance rose 43.1% to $2.6B in the quarter ended June 30, 2026 (FDIC call report).
Associated Bank, National AssociationNon-owner-occupied CRE balance rose 24.2% to $4B in the quarter ended June 30, 2026 (FDIC call report). Includes loans from an acquisition.
OceanFirst Bank, National AssociationOwner-occupied CRE balance rose 79.7% to $1.6B in the quarter ended June 30, 2026 (FDIC call report). Includes loans from an acquisition.
America First Credit UnionOwner-occupied CRE balance rose 103.1% to $1.3B in the quarter ended June 30, 2026 (NCUA 5300).
BMO Bank National AssociationMultifamily balance rose 24.8% to $3.2B in the quarter ended June 30, 2026 (FDIC call report).
Citizens Business Bank, National AssociationOwner-occupied CRE balance rose 27.7% to $2.8B in the quarter ended June 30, 2026 (FDIC call report). Includes loans from an acquisition.
Merchants Bank of IndianaOwner-occupied CRE balance rose 333.5% to $746.4M in the quarter ended June 30, 2026 (FDIC call report).
Burke & Herbert Bank & Trust CompanyOwner-occupied CRE balance rose 99.0% to $1.2B in the quarter ended June 30, 2026 (FDIC call report). Includes loans from an acquisition.
OceanFirst Bank, National AssociationC&I balance rose 65.6% to $1.4B in the quarter ended June 30, 2026 (FDIC call report). Includes loans from an acquisition.
WEX BankC&I balance rose 12.6% to $4.4B in the quarter ended June 30, 2026 (FDIC call report).

New kinds of lending on the books

A lender reporting a balance where it reported none the quarter before.

New kinds of lending on the books
LenderWhat changed
First Entertainment Credit UnionReported $54.8M of C&I loans as of June 30, 2026, up from none the prior quarter.
Nave BankReported $19.3M of Construction loans as of June 30, 2026, up from none the prior quarter.
CALL Credit UnionReported $17.6M of Non-owner-occupied CRE loans as of June 30, 2026, up from none the prior quarter.
Erebor Bank, N.A.Reported $16.8M of C&I loans as of June 30, 2026, up from none the prior quarter.
Northpointe BankReported $15M of C&I loans as of June 30, 2026, up from none the prior quarter.
Bank of GrandinReported $13.5M of Non-owner-occupied CRE loans as of June 30, 2026, up from none the prior quarter.
Armco Credit UnionReported $10.7M of Construction loans as of June 30, 2026, up from none the prior quarter.
BTG Pactual Bank, National AssociationReported $9.2M of Owner-occupied CRE loans as of June 30, 2026, up from none the prior quarter.
Copper State Credit UnionReported $8.2M of Non-owner-occupied CRE loans as of June 30, 2026, up from none the prior quarter.
Five Rivers BankReported $7.3M of Multifamily loans as of June 30, 2026, up from none the prior quarter.
Cabrillo Credit UnionReported $6.3M of Owner-occupied CRE loans as of June 30, 2026, up from none the prior quarter.
Integrity Bank SSBReported $5.8M of Multifamily loans as of June 30, 2026, up from none the prior quarter.
Neighbors Credit UnionReported $5.5M of Construction loans as of June 30, 2026, up from none the prior quarter.
Fidelis Catholic Credit UnionReported $5.1M of Non-owner-occupied CRE loans as of June 30, 2026, up from none the prior quarter.
Copper State Credit UnionReported $4.9M of Multifamily loans as of June 30, 2026, up from none the prior quarter.
Filer Credit UnionReported $4.9M of Multifamily loans as of June 30, 2026, up from none the prior quarter.
Security Bank MidwestReported $4.8M of Non-owner-occupied CRE loans as of June 30, 2026, up from none the prior quarter.
Caltech Employees Credit UnionReported $4.7M of Multifamily loans as of June 30, 2026, up from none the prior quarter.
Producers Bank & TrustReported $4.5M of Multifamily loans as of June 30, 2026, up from none the prior quarter.
42 North Private BankReported $4.5M of C&I loans as of June 30, 2026, up from none the prior quarter.
Education First Credit UnionReported $4.1M of Construction loans as of June 30, 2026, up from none the prior quarter.
Cabrillo Credit UnionReported $3.8M of Multifamily loans as of June 30, 2026, up from none the prior quarter.
TEN Credit UnionReported $3.7M of Non-owner-occupied CRE loans as of June 30, 2026, up from none the prior quarter.
Publix Employees Credit UnionReported $3.7M of Construction loans as of June 30, 2026, up from none the prior quarter.
ST. Cloud Financial Credit UnionReported $3.6M of Farmland loans as of June 30, 2026, up from none the prior quarter.
Liberty Bank of New JerseyReported $3M of Multifamily loans as of June 30, 2026, up from none the prior quarter.
Independence BankReported $3M of Multifamily loans as of June 30, 2026, up from none the prior quarter.
Security Bank MidwestReported $2.9M of Multifamily loans as of June 30, 2026, up from none the prior quarter.
Tva Community Credit UnionReported $2.9M of Owner-occupied CRE loans as of June 30, 2026, up from none the prior quarter.
Citizens State BankReported $2.5M of Multifamily loans as of June 30, 2026, up from none the prior quarter.
Generations Community BankReported $2.5M of Non-owner-occupied CRE loans as of June 30, 2026, up from none the prior quarter.
Gold Coast Credit UnionReported $2.5M of Non-owner-occupied CRE loans as of June 30, 2026, up from none the prior quarter.
First Community CU of BeloitReported $2.5M of Construction loans as of June 30, 2026, up from none the prior quarter.
Community Federal Savings BankReported $2.4M of Construction loans as of June 30, 2026, up from none the prior quarter.
Fifth District Savings BankReported $2.4M of Multifamily loans as of June 30, 2026, up from none the prior quarter.
Security State BankReported $2.2M of Owner-occupied CRE loans as of June 30, 2026, up from none the prior quarter.
Gateway Bank, F.S.B.Reported $2.1M of Construction loans as of June 30, 2026, up from none the prior quarter.
Tremont Credit UnionReported $2M of Construction loans as of June 30, 2026, up from none the prior quarter.
Central Bank of Kansas CityReported $2M of Farmland loans as of June 30, 2026, up from none the prior quarter.
First Pacific BankReported $1.8M of Farmland loans as of June 30, 2026, up from none the prior quarter.

Multifamily lending increases

HMDA originations, 2025 versus 2024.

Multifamily lending increases
LenderWhat changed
JPMorgan Chase Bank, National AssociationOriginated 3,873 multifamily loans in 2025, versus 2,205 in 2024 (HMDA).
RF Renovo Management Company, LLCOriginated 798 multifamily loans in 2025, versus 572 in 2024 (HMDA).
Berkadia Commercial MortgageOriginated 752 multifamily loans in 2025, versus 532 in 2024 (HMDA).
Citizens Bank, National AssociationOriginated 222 multifamily loans in 2025, versus 66 in 2024 (HMDA).
Conventus Lending LLCOriginated 225 multifamily loans in 2025, versus 88 in 2024 (HMDA).
U.S. Bank National AssociationOriginated 500 multifamily loans in 2025, versus 364 in 2024 (HMDA).
Lendsure Mortgage Corp.Originated 139 multifamily loans in 2025, versus 4 in 2024 (HMDA).
Velocity Commercial Capital LLCOriginated 330 multifamily loans in 2025, versus 225 in 2024 (HMDA).
Wells Fargo Bank, National AssociationOriginated 340 multifamily loans in 2025, versus 239 in 2024 (HMDA).
PGIM Real Estate Agency Financing, LLCOriginated 271 multifamily loans in 2025, versus 177 in 2024 (HMDA).
National Cooperative Bank, N.A.Originated 203 multifamily loans in 2025, versus 111 in 2024 (HMDA).
Bellwether Enterprise Real Estate Capital, LLCOriginated 236 multifamily loans in 2025, versus 150 in 2024 (HMDA).
Old National BankOriginated 266 multifamily loans in 2025, versus 188 in 2024 (HMDA).
A&D Mortgage LLCOriginated 107 multifamily loans in 2025, versus 35 in 2024 (HMDA).
BPL Mortgage, LLCOriginated 115 multifamily loans in 2025, versus 46 in 2024 (HMDA).
East West BankOriginated 143 multifamily loans in 2025, versus 75 in 2024 (HMDA).
Columbia BankOriginated 83 multifamily loans in 2025, versus 18 in 2024 (HMDA).
The Golden 1 Credit UnionOriginated 114 multifamily loans in 2025, versus 50 in 2024 (HMDA).
Manufacturers and Traders Trust CompanyOriginated 90 multifamily loans in 2025, versus 30 in 2024 (HMDA).
Cadence BankOriginated 177 multifamily loans in 2025, versus 119 in 2024 (HMDA).
Genesis Capital, LLCOriginated 127 multifamily loans in 2025, versus 70 in 2024 (HMDA).
Exchange BankOriginated 124 multifamily loans in 2025, versus 68 in 2024 (HMDA).
Provident BankOriginated 105 multifamily loans in 2025, versus 50 in 2024 (HMDA).
Renasant BankOriginated 109 multifamily loans in 2025, versus 55 in 2024 (HMDA).
Ocmbc, Inc.Originated 57 multifamily loans in 2025, versus 3 in 2024 (HMDA).

SBA lending increases

SBA approvals net of cancellations, 12 months to September 30, 2026 versus the prior 12 months.

SBA lending increases
LenderWhat changed
Newtek Bank, National AssociationRecorded 3,480 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 2,325 in the prior 12 months (SBA).
SmartBiz Bank, National AssociationRecorded 919 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 320 in the prior 12 months (SBA).
WaFd BankRecorded 208 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 52 in the prior 12 months (SBA).
US Metro BankRecorded 253 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 124 in the prior 12 months (SBA).
Pathward, National AssociationRecorded 229 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 116 in the prior 12 months (SBA).
First-Citizens Bank & Trust CompanyRecorded 186 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 114 in the prior 12 months (SBA).
Climate First BankRecorded 159 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 88 in the prior 12 months (SBA).
Accion Opportunity Fund Community DevelopmentRecorded 81 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 19 in the prior 12 months (SBA).
FirstBank Puerto RicoRecorded 95 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 43 in the prior 12 months (SBA).
VelocitySBA, LLCRecorded 215 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 168 in the prior 12 months (SBA).
Wilmington Savings Fund Society, FSBRecorded 167 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 124 in the prior 12 months (SBA).
Bankwell BankRecorded 101 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 62 in the prior 12 months (SBA).
Summit Credit UnionRecorded 47 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 12 in the prior 12 months (SBA).
Quill BankRecorded 73 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 39 in the prior 12 months (SBA).
Capital Bank, National AssociationRecorded 79 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 46 in the prior 12 months (SBA).
RiverBankRecorded 59 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 26 in the prior 12 months (SBA).
Open BankRecorded 145 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 113 in the prior 12 months (SBA).
LiftFund, Inc.Recorded 55 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 25 in the prior 12 months (SBA).
Commercial Bank of CaliforniaRecorded 56 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 29 in the prior 12 months (SBA).
Happen Bank, National AssociationRecorded 51 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 25 in the prior 12 months (SBA).
Mountain America Credit UnionRecorded 57 SBA 504 first-lien projects in the 12 months to September 30, 2026, versus 32 in the prior 12 months (SBA).
VeraBank, National AssociationRecorded 26 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 1 in the prior 12 months (SBA).
First Horizon BankRecorded 45 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 21 in the prior 12 months (SBA).
EverBank, National AssociationRecorded 67 SBA 504 first-lien projects in the 12 months to September 30, 2026, versus 43 in the prior 12 months (SBA).
Lexicon BankRecorded 27 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 3 in the prior 12 months (SBA).

New filers

Filed a call report for the first time in this data.

New filers
LenderWhat changed
Northern Credit UnionFiled its first call report in this data for the quarter ended June 30, 2026.
Velocity Community Credit UnionFiled its first call report in this data for the quarter ended June 30, 2026.
Alpine Credit UnionFiled its first call report in this data for the quarter ended June 30, 2026.
Echelon BankFiled its first call report in this data for the quarter ended June 30, 2026.
Portrait BankFiled its first call report in this data for the quarter ended June 30, 2026.
Cornerstone Community BankFiled its first call report in this data for the quarter ended June 30, 2026.
Houston Bank & TrustFiled its first call report in this data for the quarter ended June 30, 2026.
Erie County Employees Credit UnionFiled its first call report in this data for the quarter ended June 30, 2026.

Merged since the prior filing

Filed for the prior quarter and not for this one, with a merger in FDIC records.

Merged since the prior filing
LenderWhat changed
Banner BanksFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into Bank of Sun Prairie.
Middletown State BankFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into Longview Community Bank.
Tri-County Trust CompanyFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into BTC Bank.
Field & Main BankFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into Stock Yards Bank & Trust Company.
Iowa Savings BankFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into Midwest Heritage Bank, FSB.
LinkbankFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into Burke & Herbert Bank & Trust Company.
First State Bank of CandoFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into First United Bank.
First State Bank of WyomingFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into First Resource Bank.
Butte State BankFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into The Tri-County Bank.
Morris BankFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into Vallant Bank.
FirstBankFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into PNC Bank, National Association.
American National BankFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into Associated Bank, National Association.
The Tipton Latham Bank, National AssociationFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into BTC Bank.
Oklahoma Heritage BankFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into Chickasaw Community Bank.
Community BankFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into High Plains Bank.
Flint Hills BankFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into The Bennington State Bank.
United Security BankFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into Community West Bank.
Citizens Bank & Trust, Inc.Filed a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into CB&S Bank, Inc..
The First National Bank of HugoFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into High Plains Bank.
Bank of HoustonFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into City Bank.
New Foundation Savings BankFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into Miami Savings Bank.
Heritage Bank of CommerceFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into Citizens Business Bank, National Association.
Clearpoint Federal Bank & TrustFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into Community Bank, National Association.
Conway BankFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into The First Security Bank.
Mountain Commerce BankFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into Centennial Bank.
Two Rivers Bank & TrustFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into First Mid Bank & Trust, National Association.
Riverland BankFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into Eagle Rock Bank.
Flushing BankFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into OceanFirst Bank, National Association.
The Victory BankFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into QNB Bank.
First Foundation BankFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into Sunflower Bank, National Association.
Tandem BankFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into Georgia Banking Company.
The National Bank of CoxsackieFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into Ballston Spa National Bank.
Peoples State Bank of WellsFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into Farmers Trust and Savings Bank.
Farmers-Merchants Bank & Trust CompanyFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into Merchants & Marine Bank.
Home State BankFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into West Iowa Bank.
Kearney Trust CompanyFiled a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into HNB National Bank.

This page lists growth, new activity and plain structure events. Decreases appear on each lender's own page, with their dates and sources. The full list is at changes.json and in the API.

Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem

Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.