How to read the numbers
- Money is whole US dollars. Percentages are on a 0 to 100 scale.
- Dates are year, month and day. A quarter is named by its last day.
- Null means not reported by the source. Zero means the source said zero. We never treat one as the other.
- Bank balances are what is held. Loans made come only from HMDA and SBA files, and from credit unions' own originations.
- HMDA carries a year, never a date. HMDA amounts are the midpoint of a $10,000 band.
- SBA figures count loans by SBA approval date. Net figures leave out those later cancelled.
- Legal lending limit and member business loan figures are estimates, computed by the formulas on the methodology page.
- Credit union concentration ratios use net worth, so they cannot be compared to the bank figure.
The lender record
The fields on each lender's page and in the API and MCP answer.
| Field | Type | What it means |
|---|---|---|
| lr_id | string | The public identifier |
| slug | string | The lender's permanent URL slug. It never changes, even if the lender is renamed. |
| name | string | Clean display name. ALL CAPS fixed, stray spacing and encoding artifacts fixed, nothing invented. NCUA omits the words "Credit Union" from most names, so when the regulator name lacks them, " Credit Union" is appended. "Federal" is never added. |
| legal_name | string | The name exactly as the source filed it |
| aliases | string[] | Trade names, and other names the same lender files under in HMDA, SBA or merged rows |
| type, type_label | string | bank, savings, credit_union, nonbank, depository_inactive |
| subtype | string or null | cdc for an SBA Certified Development Company, mortgage_subsidiary for a bank-owned mortgage company, otherwise null |
| status, status_detail | string | active, no_2026_call_report (no June 2026 call report on file), or inactive_since_report (filed June 2026, ended in FDIC records afterward) |
| page_state | rich: two or more kinds of loan evidence. some: one kind. balances_only: book balances or nothing. | |
| ids | object | {fdic_cert, ncua_charter, rssd, lei, other_leis[]} strings or null. A depository_inactive row carries the cert or charter of the institution it was tied to, when known. lei and other_leis are LEIs that GLEIF's registry id (the FDIC certificate or NCUA charter it registers the LEI under) or the lender's name and state confirm; an LEI never appears on two lenders, and FDIC's own LEI field is used only when it passes the same check. A lender with no confirmed LEI has lei null |
| regulator | object | {code, label} |
| regulator_url | string or null | FDIC BankFind or NCUA profile |
| hq | object | {address, city, state, zip, phone, phone_source, website}. Credit unions: phone is the NCUA record and phone_source is null. Banks and savings institutions: phone is the main number read from the lender's own website and phone_source is {url, retrieved, method, kind, label}: url the page it was read from, retrieved the date (YYYY-MM-DD), method one of home_tel_link, home_structured_data, home_labeled_text, contact_tel_link, contact_structured_data, contact_labeled_text, kind always lender_site, label the words to print ("From the lender's website"). FDIC publishes no phone, so a bank whose site did not give an unambiguous main number has phone null and phone_source null. |
| holding_company | object or null | {name, legal_name} |
| established | object | {date, year}. Either can be null |
| balance_sheet | object | Assets, loans, deposits, equity or net worth, and for banks tier 1 capital and allowance, with the as-of date. |
| book, book_as_of, book_totals | object | Balances held by category with year-over-year change. Bank balances are what is held, not loans made. |
| loans_made | HMDA multifamily and investor, SBA 7(a) and 504, and credit union originations, each as counts and medians with period and source. | |
| capacity | object | Concentration ratios and size estimates. Our arithmetic from filings, not a rating and not a statement about safety. |
| offices | object | Office count and states, from the FDIC or NCUA office files. |
| flags | object | Rules of thumb on public data, such as multifamily or construction. Not statements from the lender. |
| peers | array | |
| facts | array | One-sentence statements with source and date, safe to quote. |
| notes | string[] | Caveats specific to this lender. Plain sentences for a reader; no file names |
| signals | object | SBA processing and channel signals from public files, published only for cells of 5 or more. |
| affiliations | object | |
| evidence_kinds | object | Which public records show this lender making loans: book, HMDA, SBA, credit union originations, FHA, CMBS. |
| loan_sizes | object | Reported loan-size buckets and medians, where filings carry them. Full access only. |
| states | array | Every state where the lender has an office or recorded loans. |
| top_counties, top_metros, top_naics | array | Markets and industries with cells of 5 or more only. |
| recent_loans | array | Up to 25 recorded loans, coarsened as described on the methodology page. |
| timeline | array | Plain sentences about changes over time, each with source and date. |
| history | array | Book by quarter, up to 12 quarters, oldest first. Quarters not filed are absent. |
| source, as_of, cite_as, license, is_paid, label | On every record from the API and MCP server: its source and date, a ready citation, the license line, and whether any lender paid to change what is shown. |
Fields from the filings
The source key is explained on the sources page. A filing field is the name used in the source file.
Identity
| Field | Unit | Source | Filing field | What it means |
|---|---|---|---|---|
| Type | text | FDIC institution record, NCUA 5300 | BKCLASS / CU_TYPE | Bank, Savings institution, Credit union, Non-bank (HMDA multifamily lender) or Non-bank (SBA lender) |
| Name | text | FDIC institution record, NCUA 5300, HMDA, SBA FOIA | NAME / CU_NAME / respondent_name / BankName | Legal name as filed |
| HQ city | text | FDIC institution record, NCUA 5300 | CITY | |
| HQ state | text | FDIC institution record, NCUA 5300 | STALP / STATE | |
| HQ ZIP | text | FDIC institution record, NCUA 5300 | ZIP / ZIP_CODE | |
| HQ street | text | FDIC institution record, NCUA 5300 | ADDRESS / STREET | |
| Main phone | text | NCUA 5300 | PhoneNumber (main office) | Credit unions only; FDIC does not publish phone numbers |
| Website | text | FDIC institution record | WEBADDR | Banks only; NCUA bulk data has no website field |
| Holding company | text | FDIC institution record | NAMEHCR | |
| FDIC cert / NCUA charter | text | FDIC institution record, NCUA 5300 | CERT / CU_NUMBER | |
| Fed RSSD ID | text | FDIC institution record, NCUA 5300 | FED_RSSD / RSSD | |
| LEI | text | FDIC institution record, HMDA | LEI / lei | Legal Entity Identifier used to join HMDA |
| Primary regulator | text | FDIC institution record, NCUA 5300 | REGAGNT | NCUA for credit unions |
| Established | text | FDIC institution record, NCUA 5300 | ESTYMD / YEAR_OPENED | |
| Regulator profile | url | FDIC institution record, NCUA 5300 | FDIC BankFind or NCUA Research a Credit Union page |
Footprint
| Field | Unit | Source | Filing field | What it means |
|---|---|---|---|---|
| Branches | count | FDIC office list, NCUA 5300 | locations / Credit Union Branch Information | Count of offices, including main office |
| States with branches | count | FDIC office list, NCUA 5300 | STALP | |
| Branch states | text | FDIC office list, NCUA 5300 | STALP | State codes with offices, most offices first, with office counts |
Balance sheet
| Field | Unit | Source | Filing field | What it means |
|---|---|---|---|---|
| Total assets | $ | FDIC call report, NCUA 5300 | ASSET / Acct_010 | |
| Total loans | $ | FDIC call report, NCUA 5300 | LNLSGR / Acct_025B | Gross loans and leases |
| Equity / net worth | $ | FDIC call report, NCUA 5300 | EQ / Acct_997 | Bank total equity capital; credit union total net worth |
| Tier 1 capital | $ | FDIC call report | RBCT1J | Banks only |
CRE balances
| Field | Unit | Source | Filing field | What it means |
|---|---|---|---|---|
| Construction & land development | $ | FDIC call report, NCUA 5300 | LNRECONS / Acct_143B3+143B4 | Banks: all construction, land development and other land loans (incl. 1-4 family construction). CUs: commercial construction & development, member + purchased participations |
| 1-4 family construction | $ | FDIC call report | LNRECNFM | Banks only (RC-C 1.a.1) |
| Other construction & land | $ | FDIC call report | LNRECNOT | Banks only (RC-C 1.a.2) |
| Multifamily (5+ units) | $ | FDIC call report, NCUA 5300 | LNREMULT / Acct_400M+400M1 | |
| Owner-occupied CRE | $ | FDIC call report, NCUA 5300 | LNRENROW / Acct_400H2+400H3 | Nonfarm nonresidential, owner-occupied |
| Non-owner-occupied CRE | $ | FDIC call report, NCUA 5300 | LNRENROT / Acct_400J2+400J3 | Nonfarm nonresidential, investor (retail, office, industrial, hotel, self-storage, etc.) |
| Nonfarm nonresidential total | $ | FDIC call report, NCUA 5300 | LNRENRES / sum | Owner-occupied + non-owner-occupied |
| Farmland | $ | FDIC call report, NCUA 5300 | LNREAG / Acct_042A5 | |
| Other RE-secured commercial (incl. 1-4 investor) | $ | Derived | Acct_718A3+718A4 minus named categories | Credit unions only: real-estate-secured commercial loans not in the categories above, chiefly business-purpose 1-4 family. Floored at 0 |
| C&I loans | $ | FDIC call report, NCUA 5300 | LNCI / Acct_400L2+400L3 | Commercial and industrial, not real estate secured |
| 1-4 family residential (all, reference) | $ | FDIC call report | LNRERES | Banks only. Includes owner-occupied homes and investor 1-4; call reports do not separate them, so this column is excluded from every total |
CRE totals
| Field | Unit | Source | Filing field | What it means |
|---|---|---|---|---|
| Investor CRE (constr + MF + NOO) | $ | Derived | construction + multifamily + nfnr_non_owner_occupied | |
| All CRE (ex owner-occupied homes) | $ | Derived | construction + multifamily + nfnr_total + farmland + other_re_commercial | |
| All commercial lending | $ | Derived | cre_total + ci_loans | |
| CRE % of loans | % | Derived | cre_total / total_loans | |
| CRE concentration | % | Derived | Banks: (construction + multifamily + nfnr_non_owner_occupied) / (tier 1 capital + allowance for loan losses, RBCT1J + LNATRES). Credit unions: same numerator / net worth. Our own ratio, not the 2006 interagency guidance test. That guidance (December 12, 2006; banks only) divides by total risk-based capital (Call Report Schedule RC-R), also counts loans that finance commercial real estate but are not secured by real estate (Schedule RC-C Memorandum item 3), and its 300% criterion applies only with 50% or more growth in commercial real estate loans over the prior 36 months. This figure uses a different capital base, leaves out those unsecured loans and applies no growth condition. The guidance sets no limit on lending | |
| Construction concentration | % | Derived | construction / same denominator (tier 1 capital + allowance for banks, net worth for credit unions). Our own ratio, not the 2006 interagency guidance test, which compares construction, land development and other land loans (Schedule RC-C item 1a) with total risk-based capital at 100%. The guidance sets no limit on lending |
Growth
| Field | Unit | Source | Filing field | What it means |
|---|---|---|---|---|
| CRE YoY growth | % | Derived | cre_total vs 2025-06-30 | |
| Construction YoY growth | % | Derived | ||
| Multifamily YoY growth | % | Derived | ||
| Non-owner-occ CRE YoY growth | % | Derived | ||
| C&I YoY growth | % | Derived |
Loan sizes (banks)
| Field | Unit | Source | Filing field | What it means |
|---|---|---|---|---|
| CRE loans < $100K (#) | count | FDIC call report | LNRENR1N | Number of nonfarm nonresidential loans outstanding with original amount in range (RC-C Part II). original amount <= $100K |
| CRE loans < $100K ($) | $ | FDIC call report | LNRENR1 | Balance of those loans |
| CRE loans $100K-250K (#) | count | FDIC call report | LNRENR2N | Number of nonfarm nonresidential loans outstanding with original amount in range (RC-C Part II). |
| CRE loans $100K-250K ($) | $ | FDIC call report | LNRENR2 | Balance of those loans |
| CRE loans $250K-1M (#) | count | FDIC call report | LNRENR3N | Number of nonfarm nonresidential loans outstanding with original amount in range (RC-C Part II). |
| CRE loans $250K-1M ($) | $ | FDIC call report | LNRENR3 | Balance of those loans |
| CRE loans <= $1M (#) | count | FDIC call report | LNRENR4N | Number of nonfarm nonresidential loans outstanding with original amount in range (RC-C Part II). |
| CRE loans <= $1M ($) | $ | FDIC call report | LNRENR4 | Balance of those loans |
| CRE loans > $1M ($) | $ | Derived | LNRENRES - LNRENR4 | Nonfarm nonresidential balance in loans originated above $1M |
| CRE book in loans <= $1M | % | Derived | LNRENR4 / LNRENRES. High = small-balance CRE lender | |
| Avg CRE loan <= $1M | $ | Derived | LNRENR4 / LNRENR4N | |
| C&I loans <= $1M (#) | count | FDIC call report | LNCI4N | |
| C&I loans <= $1M ($) | $ | FDIC call report | LNCI4 | |
| Farmland loans <= $500K (#) | count | FDIC call report | LNREAG4N |
Loan counts & sizes (CUs)
| Field | Unit | Source | Filing field | What it means |
|---|---|---|---|---|
| Construction loans outstanding (#) | count | NCUA 5300 | Acct_143A3+143A4 | Credit unions only |
| Avg Construction loan | $ | Derived | balance / count | |
| Multifamily loans outstanding (#) | count | NCUA 5300 | Acct_900M+900M1 | Credit unions only |
| Avg Multifamily loan | $ | Derived | balance / count | |
| Owner-occ CRE loans outstanding (#) | count | NCUA 5300 | Acct_900H2+900H3 | Credit unions only |
| Avg Owner-occ CRE loan | $ | Derived | balance / count | |
| Non-owner-occ CRE loans outstanding (#) | count | NCUA 5300 | Acct_900J2+900J3 | Credit unions only |
| Avg Non-owner-occ CRE loan | $ | Derived | balance / count | |
| Farmland loans outstanding (#) | count | NCUA 5300 | Acct_961A5 | Credit unions only |
| Avg Farmland loan | $ | Derived | balance / count | |
| C&I loans outstanding (#) | count | NCUA 5300 | Acct_900L2+900L3 | Credit unions only |
| Avg C&I loan | $ | Derived | balance / count | |
| All RE-secured commercial loans outstanding (#) | count | NCUA 5300 | Acct_900K2+900K3 | Credit unions only |
| Avg All RE-secured commercial loan | $ | Derived | balance / count |
Originations H1 2026 (CUs)
| Field | Unit | Source | Filing field | What it means |
|---|---|---|---|---|
| H1 2026 Construction originations (#) | count | NCUA 5300 | Acct_143C3+143C4 | Granted or purchased Jan-Jun 2026. Credit unions only; bank call reports carry no origination data |
| H1 2026 Construction originations ($) | $ | NCUA 5300 | Acct_143D3+143D4 | |
| H1 2026 Multifamily originations (#) | count | NCUA 5300 | Acct_090M+090M1 | Granted or purchased Jan-Jun 2026. Credit unions only; bank call reports carry no origination data |
| H1 2026 Multifamily originations ($) | $ | NCUA 5300 | Acct_475M+475M1 | |
| H1 2026 Owner-occ CRE originations (#) | count | NCUA 5300 | Acct_090H2+090H3 | Granted or purchased Jan-Jun 2026. Credit unions only; bank call reports carry no origination data |
| H1 2026 Owner-occ CRE originations ($) | $ | NCUA 5300 | Acct_475H2+475H3 | |
| H1 2026 Non-owner-occ CRE originations (#) | count | NCUA 5300 | Acct_090J2+090J3 | Granted or purchased Jan-Jun 2026. Credit unions only; bank call reports carry no origination data |
| H1 2026 Non-owner-occ CRE originations ($) | $ | NCUA 5300 | Acct_475J2+475J3 | |
| H1 2026 C&I originations (#) | count | NCUA 5300 | Acct_090L2+090L3 | Granted or purchased Jan-Jun 2026. Credit unions only; bank call reports carry no origination data |
| H1 2026 C&I originations ($) | $ | NCUA 5300 | Acct_475L2+475L3 | |
| H1 2026 All RE-secured commercial originations (#) | count | NCUA 5300 | Acct_090K2+090K3 | Granted or purchased Jan-Jun 2026. Credit unions only; bank call reports carry no origination data |
| H1 2026 All RE-secured commercial originations ($) | $ | NCUA 5300 | Acct_475K2+475K3 | |
| H1 2026 participations bought ($) | $ | NCUA 5300 | Acct_143D4+475M1+475H3+475J3+475L3 | Commercial participation interests purchased from other lenders. >0 = active participation buyer |
| Participations held ($) | $ | NCUA 5300 | Acct_400B1 | Outstanding nonmember commercial loans and participations |
| Avg CRE rate | % | NCUA 5300 | Acct_525 | Interest rate reported on real-estate-secured commercial loans |
HMDA multifamily
| Field | Unit | Source | Filing field | What it means |
|---|---|---|---|---|
| HMDA multifamily loans 2025 (#) | count | HMDA | action_taken=1, total_units>=5 | Multifamily loans originated in 2025 |
| HMDA multifamily 2025 ($) | $ | HMDA | loan_amount | |
| HMDA multifamily 2025 median loan | $ | HMDA | loan_amount | |
| HMDA multifamily loans 2024 (#) | count | HMDA | action_taken=1, total_units>=5 | Multifamily loans originated in 2024 |
| HMDA multifamily 2024 ($) | $ | HMDA | loan_amount | |
| HMDA multifamily 2024 median loan | $ | HMDA | loan_amount | |
| HMDA multifamily 2025 largest loan | $ | HMDA | loan_amount | |
| HMDA multifamily 2025 refi share | % | HMDA | loan_purpose in 31,32 | |
| HMDA multifamily 2025 median rate | % | HMDA | interest_rate | Median of reported rates |
| HMDA multifamily 2025 median term (mo) | count | HMDA | loan_term | |
| HMDA multifamily 2025 property states | text | HMDA | state_code | Property states, most loans first |
HMDA 1-4 investor
| Field | Unit | Source | Filing field | What it means |
|---|---|---|---|---|
| HMDA 1-4 unit investor loans 2025 (#) | count | HMDA | occupancy_type=3 or business_or_commercial_purpose=1, total_units 1-4, action_taken=1 | Non-owner-occupied or business-purpose 1-4 unit originations |
| HMDA 1-4 investor 2025 ($) | $ | HMDA | loan_amount | |
| HMDA 1-4 investor 2025 median loan | $ | HMDA | loan_amount | |
| HMDA 1-4 business-purpose loans 2025 (#) | count | HMDA | business_or_commercial_purpose=1 | Subset flagged business/commercial purpose (e.g. DSCR, entity borrowers) |
| HMDA 1-4 investor 2025 property states | text | HMDA | state_code |
SBA
| Field | Unit | Source | Filing field | What it means |
|---|---|---|---|---|
| SBA 7(a) loans, 36 mo (#) | count | SBA FOIA | ApprovalDate, 36 months through 2026-09-30 | |
| SBA 7(a) 36 mo ($) | $ | SBA FOIA | GrossApproval | |
| SBA 7(a) 36 mo median loan | $ | SBA FOIA | GrossApproval | |
| SBA 7(a) loans, 12 mo (#) | count | SBA FOIA | ApprovalDate, 12 months through 2026-09-30 | |
| SBA 7(a) 12 mo ($) | $ | SBA FOIA | GrossApproval | |
| SBA 504 first-lien loans, 36 mo (#) | count | SBA FOIA | ThirdPartyLender_Name | 504 projects where this lender provided the first mortgage |
| SBA 504 first-lien $ 36 mo | $ | SBA FOIA | ThirdPartyDollars |
Appetite flags
| Field | Unit | Source | Filing field | What it means |
|---|---|---|---|---|
| Construction lender | Y/blank | Derived | construction >= $5M and >= 5% of loans, or H1 2026 construction originations > 0 | |
| Multifamily lender | Y/blank | Derived | multifamily >= $5M, or >= 3 HMDA multifamily loans in 2025 | |
| Investor CRE lender | Y/blank | Derived | nfnr_non_owner_occupied >= $10M or >= 10% of loans | |
| Small-balance CRE | Y/blank | Derived | Banks: >= 40% of nonfarm nonres book in loans <= $1M. CUs: avg non-owner-occ CRE loan <= $1M with >= 5 loans | |
| 1-4 unit investor lender | Y/blank | Derived | >= 10 HMDA 1-4 unit investor or business-purpose loans in 2025 | |
| SBA lender | Y/blank | Derived | >= 5 SBA 7(a) loans or >= 3 SBA 504 first liens in 36 months | |
| Buys participations | Y/blank | Derived | Credit unions with participations bought in H1 2026 or held | |
| Growing CRE | Y/blank | Derived | cre_total YoY >= +5% |