Lender data for your code and your agents

Connect an assistant

The MCP server is at https://lender.report/mcp (Streamable HTTP). It needs no key to start. Tools are read only.

Claude

Settings, Connectors, Add custom connector, and paste:

https://lender.report/mcp

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Claude Code

claude mcp add --transport http lender-report https://lender.report/mcp

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With a key:

claude mcp add --transport http lender-report https://lender.report/mcp --header "Authorization: Bearer YOUR_KEY"

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ChatGPT

On a plan that allows it, turn on developer mode in ChatGPT's settings, then add a custom connector with no authentication and paste the address. OpenAI moves these menus, and its help pages name the current ones.

https://lender.report/mcp

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Cursor

Put this in .cursor/mcp.json in a project, or in ~/.cursor/mcp.json for every project. To use a key, add "headers": { "Authorization": "Bearer YOUR_KEY" } beside url.

{
  "mcpServers": {
    "lender-report": { "url": "https://lender.report/mcp" }
  }
}

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VS Code

One command:

code --add-mcp '{"name":"lender-report","type":"http","url":"https://lender.report/mcp"}'

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Or put this in .vscode/mcp.json:

{
  "servers": {
    "lender-report": { "type": "http", "url": "https://lender.report/mcp" }
  }
}

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Any other client

Give it the address https://lender.report/mcp and the transport Streamable HTTP, with no authentication. The server speaks protocol versions 2026-07-28, 2025-11-25, 2025-06-18, 2025-03-26, 2024-11-05. Its card is at /mcp/server-card, and /.well-known/api-catalog lists the API and the server for a client that looks there.

Then ask things like "Who has made multifamily refinance loans around $2.4M in Ohio?", "Which banks in Kansas hold construction loans?" or "Largest SBA 7(a) lenders in Texas."

Tools

Server name lender.report. Each tool says what it returns and when to use it instead of another.

Every tool describes its inputs and its answer in JSON Schema, read through the protocol's tools/list method. Every tool is read only. No tool sends a message, an inquiry or a financing request for anyone: a person who wants to ask for financing fills in the form themselves. Answers carry do_not_claim and what_we_dont_know: please repeat those limits to the person asking.

The server also offers 6 resources (coverage, methodology, sources, the data dictionary, how to cite and the limits), templates for a lender, a place, a ranking and a release, and 6 ready prompts. Lender names and place names complete as you type in a client that supports completion.

JSON API

Base address https://lender.report/api/v1. Every response is JSON with CORS open. Schema: /openapi.json.

curl "https://lender.report/api/v1/lenders?q=park+national&limit=5"
curl "https://lender.report/api/v1/lenders/fdic:6653"
curl "https://lender.report/api/v1/lenders/fdic:6653/status"
curl "https://lender.report/api/v1/places?q=columbus+ohio"
curl "https://lender.report/api/v1/comps?lane=multifamily&state=OH&amount=2400000&purpose=refinance"
curl "https://lender.report/api/v1/markets/18140?lane=multifamily"
curl "https://lender.report/api/v1/rankings/sba_7a_loans?scope=OH"
curl "https://lender.report/api/v1/changes?since=2026-01-01"
curl "https://lender.report/api/v1/releases"
curl "https://lender.report/api/v1/health"
curl -H "Authorization: Bearer YOUR_KEY" "https://lender.report/api/v1/lenders/park-national-bank-oh/history"

Identifiers also resolve at /id/fdic/6653, /id/ncua/21930, /id/rssd/489623 and /id/lei/{lei}, each redirecting to the lender's page.

Limits

Reading the site is not metered like the API. On the Loan Comps, search and compare pages, a visitor may view 2,000 pages a day, or 5,000 once signed in free. A hosted assistant such as Claude or ChatGPT shares 20,000 a day, on the addresses it publishes. The name suggestions and result counts those pages fetch while you type have allowances of their own, 5,000 a day each, and are not counted as page views. A person does not meet these numbers in ordinary use, and signing in is not needed to read. When you reach a limit, the page says so first, in plain words, offers the free sign-in where it raises the number, and tells you when the allowance resets: midnight UTC, which is 7 p.m. Eastern in winter and 8 p.m. in summer.

The limits below are for the API and the MCP server. They gate depth and bulk, not single lookups. Past a limit, a call returns 429 with a retry time, and they reset at midnight UTC. A key goes in an Authorization: Bearer header; make one on your account page. A client that cannot send headers can pass ?key=YOUR_KEY instead, so treat that address like a password.

A search counts as 5 calls. Hosted assistants such as Claude and ChatGPT share a pool, because their users arrive from a few addresses.

Every answer says where you stand in three headers. RateLimit-Policy is the allowance, for example "calls";q=50;w=86400. RateLimit is what is left and the seconds until it resets, for example "calls";r=42;t=3600. X-LR-Rows-Remaining is the rows left today. The two RateLimit headers follow the IETF draft for rate limit header fields, which is not final, so read them leniently: the names are stable here, and a change to their form will be on the changelog first.

Errors

An error is a problem document (RFC 9457) with the media type application/problem+json. Its type is an address on this site that explains the error, and the body says how to fix the call: the field, the accepted values, the closest accepted value, or when to come back. There are 11 types, each with its own page under /errors/. The MCP server gives the same document as a tool error.

Markdown

An assistant reads markdown more cheaply than a web page. A lender is available as markdown by its public identifier, and the key pages of this site each have a markdown copy at the same address plus index.md. A request that sends Accept: text/markdown to a lender address gets the same text. /llms.txt is the short map and /llms-full.txt is the key pages in one file.

curl "https://lender.report/id/fdic/6653.md"
curl -H "Accept: text/markdown" "https://lender.report/api/v1/lenders/fdic:6653"
curl "https://lender.report/methodology/index.md"

Versions

• The API path carries its version, /api/v1. A field may be added to an answer at any time. A field is not removed or renamed, and a tool is not removed, without a notice on the changelog and at least one data release in which the old name still works.
• The MCP server is version 2.0.0. Older tool names from version 1 still answer for one release.
• The data has its own version. Every answer carries data_version, the release it was computed from, and X-LR-Data-Version repeats it. Releases lists each one, and what changed says what moved.

What every record carries

source, as_of, cite_as and license, and on a lender listing_state, is_paid and label. Inputs are limited to the deal, and sensitive fields are refused before anything else runs: never send names, Social Security numbers, tax IDs, credit scores, income or account numbers.

Listing state

listing_state describes the listing, never the lender. It is read after the order of a result is final and is never a sort key. The paid state is always labeled Verified (paid), and a record in that state carries verified_on, the date the lender last confirmed its lending details, when one is on file. The same three states are printed on each lender's page.

Data files

The lender crosswalk and the state and market totals are published as CSV and NDJSON, with a catalog a dataset search engine can read. They are on the data page.

Terms

• Facts from government filings are public. API and MCP data is licensed for your own internal use, with credit and a link. Full terms are on the license page and in the terms of use.
• Figures are as filed, not audited, and carry no warranty. They are not a rating or advice. See the methodology.
• Other agents and search engines can also read /llms.txt and the crawlable pages.

Breaking changes are announced on the changelog first. Questions or a bug: report it or desk@lender.report.