Facts from government filings are public. You may use our public pages for search, AI answers and AI training at no charge if you (1) keep the source and date with any figure, (2) credit The Lender Report with a link when you show or rely on our figures, and (3) keep every Ad or Paid label with the content it belongs to. Data from our API and MCP server is licensed for your own internal use and your own work product, with the same credit. It may not be resold, redistributed as a dataset or used to build a competing data product. Bulk use needs a data license. Everything comes without warranty. Our figures are not a rating, a recommendation or advice.
How to cite us
Use this format, and keep the date:
Source: The Lender Report, {page title}, {URL}, data as of {date}.
Every record from our API and MCP server already carries these fields, so a citation can be built without guessing: source, as_of, cite_as, license, is_paid and label.
What is open
The lender identifier crosswalk and the state aggregates on the data page are released under CC BY 4.0: share and adapt them, including commercially, with credit and a link. The rest of the database is not open: the lender-level file, full history, and contacts.
API and MCP keys
Keys are issued under click-accepted terms, on your account page. Free access is limited and is for your own internal use. No resale, no redistribution as a dataset and no competing data product. Details and limits are on the developers page.
Named people
People appear on a lender's page only with their consent, added by a verified representative of the lender. They are never in a bulk file, a CSV export or a free API answer.
Bulk use
For a data license, or to ask whether a use is allowed, write to desk@lender.report.