The short answer
A lender page shows what your institution filed with its regulator: loans held by kind, capital or net worth, branches, HMDA and SBA loans, each with source and date. It starts as an Unverified listing. A representative with a work email at your domain can claim it free and correct facts. Verified (paid) adds lending details you confirm, your own people and messages from your page. No state or payment changes a public figure or the order of a list.
Why you have a page
This site reads four public files and builds one page for each lender in them, 10,906 FDIC, NCUA, HMDA and SBA files, lenders in all. A broker or a business owner who searches for lenders that hold or made a kind of loan lands on your page. They did not need your permission and neither did we, because every figure was already public. What the page adds is that the figures sit in one place with their sources.
This guide is a description. It is not a sales page, and nothing in it is a promise about what a page will do for you.
Where each part comes from
Sources behind a lender page
| Part of the page | Source | What it is |
|---|---|---|
| Name, city, regulator, certificate or charter number, branches | FDIC institution and branch records for banks. NCUA Form 5300 data for credit unions | Identity, as the regulator lists it |
| Loans held by kind, total assets, capital or net worth | Bank call reports through the FDIC’s public data service. NCUA Form 5300 | Balances on the report date |
| Loans made this year, credit unions only | NCUA Form 5300 year-to-date lines | Commercial loans granted since January 1 |
| Multifamily and rental-house loans made | HMDA public file | Loans a covered lender reported for the year |
| SBA 7(a) and 504 loans | SBA’s public loan data | Each loan SBA lists for the lender |
| Capacity block | This site’s arithmetic on the lines above | Estimates, each with its formula |
The latest call report and Form 5300 data here is dated 2026-06-30. The SBA window is Oct 2023 through Sep 2026. Each figure on the page shows its own source and date beside it.
The capacity block and its caption
For a bank the block shows an estimated largest single loan, commercial real estate and construction loans against capital, loans to deposits, unused commercial real estate commitments where reported, and loans to assets. For a credit union it shows an estimated member business loan cap, business loans outstanding, the share of the cap used, an estimated largest single borrower, commercial real estate to net worth and loans to assets.
Every one of these is our calculation, and the block says so in a fixed caption: “Our calculation from public filings, as of” the report date. “Not a rating, and not a statement about safety or deposits.”
What a banker should know about the estimates:
- Estimated largest single loan is 15 percent of tier 1 capital plus the allowance. It is not your legal lending limit, which for a national bank is set on capital and surplus under 12 CFR part 32 and for a state bank by state law. It is not your house limit. The page says it is not a limit the lender has stated. See the legal lending limit guide.
- CRE to capital uses the same capital base and has no growth test. It is not the measure in the 2006 interagency guidance. See the concentration guide.
- The credit union cap is estimated from net worth and assets, and a credit union NCUA lists with a low-income designation is shown as exempt.
The site does not rank or list institutions by any of these, and does not describe any institution’s condition.
Loans on record
Where HMDA or SBA files list loans for your institution, the page shows them, and they are coarsened before they are shown:
- amounts are rounded to two significant figures;
- SBA dates are shown to the month and HMDA to the year;
- there is never a borrower name, street address, ZIP code or census tract;
- there is no loan status and no demographic field;
- very small counts are not printed.
If your institution makes commercial property loans that neither file covers, the page will say that no public record shows individual loans of that kind, and that the absence can mean no such loans or no duty to report. Office, retail, industrial and construction loans from banks are in that position. Your book shows them. No public file lists them one by one.
The three listing states
Each lender page is in exactly one state, shown as a small plain label near the lender’s name. A reader can tap the label for its explanation. The wording is fixed.
Unverified listing. This is where every lender’s page starts. The site built the page from public records and the lender has not reviewed it. The label describes how the page was made. It says nothing about the lender. An Unverified page names no people and shows no direct lines. It still shows the lender’s main public phone number and website where a public record gives one, each with its source and date.
Claimed. A representative of the lender proved control of a work email address at the lender’s own domain, and the label’s explanation gives the date and the domain. The representative can correct facts on the page. Claiming is free. It does not mean the site has confirmed the lender’s lending details, and a Claimed page still names no people.
Verified (paid). The lender pays a flat monthly fee for the listing. The site checked that the person managing it works at the lender, using a work email address at the lender’s domain, and the lender confirmed its lending details on a stated date. The word “paid” is part of the label and is always visible. A line under the label reads “Lending details confirmed by” the lender “on” that date, and each detail the lender confirmed carries the marker “Confirmed by lender” with the date.
What Verified does not mean, in the site’s own words: “we did not review” the lender’s “financial condition, its rates, its service, or whether it will make any particular loan. Verified is not a rating and not our opinion” of the lender. The explanation behind the label links to the page on how this site makes money.
Three rules about the paid state are worth knowing before you ask for it:
- All three checks have to hold. A page shows Verified only when the plan is active, the page is claimed, and the lending details were confirmed and published within the last 12 months. A lender that has paid and not yet confirmed its details shows Claimed until it does.
- It lapses quietly. If the confirmation is not renewed after 12 months, or the plan ends, the page shows Claimed again. The site does not show that a lender used to be Verified.
- It is a filter, never an order. A visitor can choose to filter a search by listing state. Listing state is never a sort key, a default filter or a tie-break. Where a list shows the states, it carries the line “Verified is a paid listing. Order is not affected by payment.”
Prices are on the pricing page and are not repeated here. What each state allows is set out on the page for lenders. Where the paid listing is not yet on sale, the site offers a waitlist and charges nothing.
What each state lets you do, and what none of them does
Anyone, with or without a claim, can report an error. Corrections are free for everyone, and a lender never has to pay to have a wrong figure fixed.
A Claimed page lets your representative correct a fact that differs from your filing or is out of date, such as a website or a main phone number, and see how many times the page was viewed.
A Verified listing adds four things:
- Lending details in your own words, confirmed by you and dated. They are shown as the lender’s statements, apart from the public record.
- People. You can list people who work for the lender, with business contact details only. Your representative confirms for each person that the person agreed. Each person is emailed a notice with a link that removes the listing, and a removal takes effect within 5 business days with no reason asked.
- Messages from your page. You can switch on a “Contact” form on your own page and choose the address it goes to, which must be at your own domain. A message goes to you only. The site does not screen it, score it or send it to any other lender. The fee is the same flat fee whatever the number of messages or the size of any loan. The form asks the sender for a state and an amount range, and it is not offered for a few states.
- More of your own numbers. How often the page appeared in searches, in totals only.
No state lets anyone:
- change a figure that comes from a public filing;
- remove a true public record;
- move the page up or down in search results, lists or rankings;
- add a statement by this site that the lender is good, safe, sound or better than another.
Until a lender with a Verified listing adds its own people, a page names no individuals. The site does not copy names from staff pages, licensing databases or bought lists.
The two forms a visitor may see
There are only two places on this site where a visitor can describe a loan they need.
The first is the “Contact” form on a Verified page, described above. It belongs to that lender and goes to that lender alone.
The second is a site-level page, “Request financing”, linked from the footer and from the borrower guides. It goes to the company that operates this site, and the form says so beside its button. A request sent there is not passed to any lender. The link is never placed inside a lender’s header, contact block or contact form, so that a reader cannot take it for a way to reach the lender on that page.
An Unverified or Claimed page has neither form in its contact block. A reader who wants that lender uses the public phone number or the website.
How to fix an error
Anyone can report an error with the report form, claimed page or not. The site’s stated standard is a reply within 2 business days and a fix for confirmed errors within 10.
Two kinds of error are handled differently.
The page differs from the filing. That is our mistake, and the page is corrected.
The filing itself is wrong or stale. The page shows what was filed. Your correction is shown beside the figure, and the lasting fix is to amend the filing with the agency. The next data refresh then carries the corrected number.
A merger, a charter change or a new name can leave a page behind the facts for a quarter, because the public files lag. Report it and the identity fields are updated.
How a broker reads your page
A careful broker uses the page to decide whether to call, and what to ask. From the other side of the desk, the guide to picking banks shows the method: is the lender large enough, does it hold loans of this kind, what size, and where. A broker who has read your page should open with a specific question about a loan that fits what you already do.
The page cannot tell a broker what you want this quarter. Only you can. The banker’s guide to working with brokers and the credit union version cover how to say it.
What the page does not show
- your loan policy, pricing, fees or terms;
- loans you made and sold, unless HMDA or SBA files list them;
- any borrower;
- any opinion about your institution.
Terms used here
- Call report: The financial report every bank and savings association files with its federal regulator each quarter, with a balance sheet, an income statement and schedules that break out loans by kind.
- NCUA 5300 call report: The financial report every natural person credit union files with NCUA each quarter. It is the public source for what a credit union lends and holds.
- Home Mortgage Disclosure Act (HMDA): The federal law that makes mortgage lenders collect and publish loan-level data on loans secured by a dwelling, including apartment buildings and 1-4 unit rentals.
- FDIC certificate number: The unique number the FDIC assigns to each bank and savings institution, used to identify it in FDIC records.
- NCUA charter number: The number NCUA uses to identify a credit union in its records and call report files. It is the surest way to tell apart credit unions with similar names.
- Legal lending limit: The most a bank may have outstanding to one borrower by law. For national banks it is 15 percent of capital and surplus, plus 10 percent more when the extra is fully secured by readily marketable collateral.
- CRE concentration: A bank's commercial real estate loans measured against its capital. Federal guidance from 2006 flags 300 percent of total capital, with 50 percent growth in 36 months, for closer review.
- Member business loan cap: The legal ceiling on a credit union's member business loans: 1.75 times its net worth, or 1.75 times the net worth a well capitalized credit union must hold, if that is less.
- Originator: An originator is the person, or the lender, that brings in a loan request and carries it through to closing.
Sources
Every rule and outside figure above comes from one of these, opened on . Dates are the source's own. Figures from this site's data carry their own source and date beside them.
Next step: check the record
- Find your institution's pageSearch by name, certificate number or charter number.
- Claim your pageFree. You need a work email address at your institution's own domain.
- Report an errorAnyone can report a figure that looks wrong, whether or not the page is claimed.
Keep reading
- Legal lending limit estimate: The most a bank can lend to one borrower, from public capital figures. Always an estimate.
- A banker's guide to working with loan brokers: Broker-sourced loans are ordinary business for many banks. Handling them well is mostly a matter of knowing who the broker is, who pays them, and keeping the credit work your own.
- A credit union lender's guide to working with brokers: Brokers bring loans a credit union would not otherwise see. Taking them well means four checks before credit: can the borrower join, is there room under the cap, is the loan inside the limit to one borrower, and who pays the broker.
- How to read a bank call report as a loan searcher: Every bank files a call report each quarter. One schedule in it lists the bank's loans by kind. Read that schedule and you know what the bank holds. You still do not know what it made last quarter.
- How to read a credit union's 5300 call report: Credit unions file their own call report, NCUA Form 5300, every quarter. For commercial loans it says more than a bank's report does: it counts the loans, and it reports what was made during the year.
- How to pick banks for a deal with public data: Public filings cannot tell you which bank will say yes. They can tell you which banks are large enough, already hold loans like yours and lend where the property is. That is enough to turn four thousand banks into six phone calls.
- The legal lending limit, explained: A bank may not lend more than a set share of its capital to one borrower. The rule explains why a large loan gets shared, and why a lender can say a request is too big for it.
Questions people ask
Did we ask to be listed?
No. Every lender in the public files has a page. It is built from what your institution and federal agencies have already published, and it says so on the page.
Can we remove a figure we do not like?
Not if it is what the public record says. If the page differs from your filing, report it and it is corrected. If the filing itself is wrong, your correction is shown beside the figure and you can amend the filing with the agency.
Does paying change where we appear?
No. Listing state and payment are never inputs to search order, lists or rankings. Order is set by the public data and the filters the visitor chooses.
Cite this
Source: The Lender Report, What brokers see about your bank or credit union, https://lender.report/guides/what-brokers-see-about-your-institution/, data as of November 11, 2026.
General information, not legal, tax or credit advice. A lender's own policy decides what it will do; ask it for the policy in writing.
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