# The Lender Report: the key pages > The free, sourced record of every US bank and credit union that files a call report, plus the non-banks visible in public filings: what they hold and the loans they made. The Lender Report is operated by JPro Labs LLC. Contact: desk@lender.report. The short map, the connection details and the license are at https://lender.report/llms.txt. ## Pages - [Home: what the site is](https://lender.report/index.md) - [About](https://lender.report/about/index.md) - [Methodology: how the order is set](https://lender.report/methodology/index.md) - [Data sources](https://lender.report/sources/index.md) - [Data dictionary](https://lender.report/data-dictionary/index.md) - [License](https://lender.report/license/index.md) - [Data license](https://lender.report/data-license/index.md) - [How we make money](https://lender.report/how-we-make-money/index.md) - [Verification Policy: what Unverified, Claimed and Verified (paid) mean](https://lender.report/verification-policy/index.md) - [Advertising Policy](https://lender.report/advertising-policy/index.md) - [Corrections: how to dispute a figure](https://lender.report/corrections/index.md) - [Corrections log](https://lender.report/corrections/log/index.md) - [API and MCP docs](https://lender.report/developers/index.md) - [Data files](https://lender.report/data/index.md) - [Error types](https://lender.report/errors/index.md) - [What changed in the latest filings](https://lender.report/changes/index.md) - [Data releases](https://lender.report/releases/index.md) - [Changelog](https://lender.report/changelog/index.md) - [Loan Comps](https://lender.report/comps/index.md) - [Search lenders](https://lender.report/search/index.md) - [Compare lenders](https://lender.report/compare/index.md) - [Rankings](https://lender.report/rankings/index.md) - [For business owners](https://lender.report/for-borrowers/index.md) - [For commercial loan brokers](https://lender.report/for-brokers/index.md) - [For advisors](https://lender.report/for-advisors/index.md) - [For lenders](https://lender.report/for-lenders/index.md) - [When a bank says no](https://lender.report/when-a-bank-says-no/index.md) - [Request financing](https://lender.report/request-financing/index.md) - [Guides](https://lender.report/guides/index.md) - [Glossary](https://lender.report/glossary/index.md) - [Who is lending, second quarter of 2026](https://lender.report/reports/who-is-lending-2026-q2/index.md) - [Security](https://lender.report/security/index.md) --- Page: https://lender.report/ Edition of Nov 12, 2026 Balances as of Jun 30, 2026 SBA loans through Sep 30, 2026 # Who actually lends on what. The Lender Report is the free, sourced record of every US bank and credit union that files a call report, plus the non-banks visible in public filings: **10,906 lenders**, what each holds, and the **258,919 recorded loans** they made. The source and date sit beside every figure. Or read a real one: [$2.4M multifamily refinance in Ohio](https://lender.report/comps/?amount=2400000&lane=multifamily&purpose=refinance&state=OH&from=home)[$900K SBA 7(a) for a car wash in Florida](https://lender.report/comps/?amount=900000&lane=sba_7a&type=811192&state=FL&from=home)[$5M construction loan in Bergen County, New Jersey](https://lender.report/comps/?amount=5000000&lane=construction&state=NJ&county=Bergen+County&from=home) [Turned down by a bank? Start here.](https://lender.report/when-a-bank-says-no/) ## The record in five numbers **Lenders on record** 10,906FDIC, NCUA, HMDA, SBA, Sep 30, 2026 **Banks and savings institutions** 4,313FDIC call report, Jun 30, 2026 **Credit unions** 4,299NCUA 5300, Jun 30, 2026 **Non-bank lenders** 2,294HMDA and SBA files, Sep 30, 2026 **Recorded loans** 258,919HMDA, SBA FOIA, Sep 30, 2026 Banks report balances, not loans made, so the loans here come only from HMDA and SBA files: 72,843 HMDA multifamily loans for 2024 and 2025, and 186,076 SBA 7(a) and 504 loans in the 36 months to Sep 30, 2026, with cancelled and not-funded loans and manufactured-home parks left out. Another 197 depositories with no current call report keep their pages for the record. [What each count includes](https://lender.report/methodology/#coverage) · [Every source](https://lender.report/sources/) I The newest month ## September 2026, on the record. The SBA's file runs through Sep 30, 2026. In September 2026 it shows **6,119 SBA 7(a) loans** worth **$5.08 billion**, from **570 lenders**. Ten of them, one per lender, from the largest to the smallest: | Lender | Borrower's business | State | Term | Amount | | --- | --- | --- | --- | --- | | [Metro City Bank](https://lender.report/lender/metro-city-bank-ga/)Bank, GA | Beer, Wine, and Liquor Retailers | Borrower in Illinois | 25 yr | $5,000,000 | | [Truist Bank](https://lender.report/lender/truist-bank-nc/)Bank, NC | Supermarkets and Other Grocery Retailers (except Convenience Retailers) | Borrower in Texas | 18 yr | $5,000,000 | | [American Bank, National Association](https://lender.report/lender/american-bank-tx-dallas/)Bank, TX | Hotels (except Casino Hotels) and Motels | Borrower in Texas | 26 yr | $5,000,000 | | [First Community Bank](https://lender.report/lender/first-community-bank-sc/)Bank, SC | Sheet Metal Work Manufacturing | Borrower in Georgia | 25 yr | $3,800,000 | | [Idaho Central Credit Union](https://lender.report/lender/idaho-central-credit-union-id/)Credit union, ID | Finance and Insurance | Borrower in Idaho | 10 yr | $2,700,000 | | [Mid Penn Bank](https://lender.report/lender/mid-penn-bank-pa/)Bank, PA | Clothing and Clothing Accessories Retailers | Borrower in Pennsylvania | 10 yr | $1,800,000 | | [Summit Credit Union](https://lender.report/lender/summit-credit-union-wi/)Credit union, WI | Professional, Scientific, and Technical Services | Borrower in Wisconsin | 10 yr | $1,000,000 | | [Valley National Bank](https://lender.report/lender/valley-national-bank-nj/)Bank, NJ | Computer Systems Design Services | Borrower in Florida | 10 yr | $590,000 | | [CNB Bank](https://lender.report/lender/cnb-bank-pa/)Bank, PA | General Automotive Repair | Borrower in Ohio | 25 yr | $340,000 | | [CNB Bank, Inc.](https://lender.report/lender/cnb-bank-wv/)Bank, WV | Wholesale Trade | Borrower in West Virginia | 7 yr | $160,000 | | All 6,119 SBA 7(a) loans, September 2026 | $5.08 billion | SBA FOIA, Sep 30, 2026 Amounts rounded to two significant figures. Cancelled loans are left out. SBA 504 loans appear once the SBA marks them funded, so the newest month shows 7(a) loans only. A row is the record of a loan, not an offer, and does not say who is lending today. [Every SBA 7(a) lender, ranked](https://lender.report/sba-7a-lenders/) [SBA lenders by industry](https://lender.report/sba-lenders-for/) [All changes](https://lender.report/changes/) II One question, worked > “I need $2.4M to refinance a multifamily property in Ohio.” ## 53 lenders made a loan like this in Ohio in 2025. | Ohio multifamily loans recorded in 2025 | 1,361 | | --- | --- | | Of those, $1.44M to $3.6M | 207 | | Of those, refinances | 113 | | Lenders behind those loans | 55 | | Less: no longer an option | 2 | | Lenders listed | 53 | HMDA, 2025 Multifamily means 5 or more units. Manufactured-home parks are left out. A lender that has merged, closed or stopped filing is listed apart, under “Not an option, and why”. [What each count includes](https://lender.report/methodology/#coverage) ### Among the banks and credit unions with an office in Ohio - [Cinfed Credit Union](https://lender.report/lender/cinfed-credit-union-oh/)Cincinnati, OH**8 loans** - [The Park National Bank](https://lender.report/lender/park-national-bank-oh/)Newark, OH**5 loans** - [Minster Bank](https://lender.report/lender/minster-bank-oh/)Minster, OH**3 loans** - [LCNB National Bank](https://lender.report/lender/lcnb-national-bank-oh/)Lebanon, OH**3 loans** - [WesBanco Bank, Inc.](https://lender.report/lender/wesbanco-bank-wv/)Wheeling, WV**3 loans** [See all 53 lenders](https://lender.report/comps/?amount=2400000&lane=multifamily&purpose=refinance&state=OH&from=home) [How this is worked out](https://lender.report/methodology/) This is the record, not a recommendation. It does not say who is taking new loans today. Amounts are rounded to two significant figures and places to the county. III Three ways in ## One lender's no is not the market. ### A bank said no See who has made loans like yours, in your state and at your size. You do not give a name, an email or a number. [See who has made loans like yours](https://lender.report/when-a-bank-says-no/) [Read what to do first](https://lender.report/when-a-bank-says-no/#h-why) ### You are the lender Your bank, credit union or company already has a page, built from its own filings. Find it, check it, and add what filings never carry. [Claim your page, free](https://lender.report/for-lenders/) [What a lender can do with its page](https://lender.report/for-lenders/) ### You build with data Point Claude, ChatGPT or Cursor at the record. Free and read only, with the source and date on every answer. Get the address [Connect it, or use the API](https://lender.report/developers/) IV The shelves ## Lenders, by the loan you need. ### Real estate - [Multifamily](https://lender.report/multifamily-lenders/) - [Investor commercial real estate](https://lender.report/investor-cre-lenders/) - [Owner-occupied commercial real estate](https://lender.report/owner-occupied-cre-lenders/) - [Small-balance commercial real estate](https://lender.report/small-balance-cre-lenders/) - [Construction](https://lender.report/construction-lenders/) - [1 to 4 unit investor property](https://lender.report/investor-1-4-lenders/) ### Business - [SBA 7(a)](https://lender.report/sba-7a-lenders/) - [SBA 504](https://lender.report/sba-504-lenders/) - [SBA lenders by industry](https://lender.report/sba-lenders-for/) - [Business loans](https://lender.report/business-lenders/) - [Credit union business loans](https://lender.report/credit-union-business-lenders/) - [Farm and agriculture](https://lender.report/farm-lenders/) ### Place and program - [Lenders by state](https://lender.report/lenders-in/) - [Government and agency programs](https://lender.report/programs/) - [Compare two lenders](https://lender.report/compare/) - [For borrowers](https://lender.report/for-borrowers/) - [For brokers](https://lender.report/for-brokers/) - [For advisors](https://lender.report/for-advisors/) V The rules we keep ## The order is public. Payment cannot change it. - **Every figure has a source and a date.** When the public record is silent, the page says "Not reported". [Sources](https://lender.report/sources/) - **The order is published.** It comes from public filings and the deal you type, and payment never changes it. [How the order is set](https://lender.report/methodology/#payment) - **It is free to use.** Lenders can pay a flat fee for a listing labeled "Verified (paid)" or an ad labeled "Ad". [How we make money](https://lender.report/how-we-make-money/) - **A wrong figure gets fixed.** A reply within 2 business days, a confirmed error fixed within 10, free for everyone. [Corrections](https://lender.report/corrections/) 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](https://lender.report/report/) ## Would you like a person to write back? You can do every search on this site yourself, free, without giving a name. If you would like a reply from a person instead, send one short form. It is for business loans and loans on commercial or investment real estate only, and it costs nothing. [Request financing](https://lender.report/request-financing/?from=home) Who receives this: JPro Labs LLC, the company that operates The Lender Report. JPro Labs LLC is affiliated with Janover Capital, a commercial real estate financing business. Your request is not sent to any lender, or to anyone else, unless you later ask us to send it. For your assistant ## Ask Claude, ChatGPT or Cursor. It reads the same record. Your assistant can read this record directly, free and read only. Every answer comes back with the lenders, the source and the date. [How to connect it](https://lender.report/developers/?from=ai) The address `https://lender.report/mcp` Try asking Who has made multifamily refinance loans around $2.4M in Ohio? VI Since the last filings ## What the latest filings changed. - HMDA multifamily originations totaled $269.2B in 2025 across 43,226 loans, versus $206.9B across 32,620 loans in 2024 (HMDA). - Bank multifamily loans rose 0.3% to $670.3B in the quarter ended June 30, 2026 (FDIC call reports). - Credit union non-owner-occupied CRE loans rose 2.0% to $87.9B in the quarter ended June 30, 2026 (NCUA 5300). - 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). - Banks filing call reports went from 4,353 to 4,313 between March 31, 2026 and June 30, 2026. Read these changes as RSS. [RSS](https://lender.report/rss.xml) [All changes](https://lender.report/changes/) [Changelog](https://lender.report/changelog/) ### Keep what you find. A free account holds 3 lists of up to 25 lenders, a note on each, and 3 alerts. You sign in with an emailed code. There is no password. The FDIC and NCUA have not published their Q3 2026 call reports yet. An alert tells you the day they land and what changed on your lists. Checked Nov 9, 2026. [Create a free account](https://lender.report/signin/?next=/lists/&from=keep) VII Common questions ## Asked, and answered plainly. **What is The Lender Report?** A free, sourced record of every US bank and credit union that files a call report, plus the non-banks visible in public filings: 10,906 lenders, what each holds, and the loans each made. Every figure shows its source and date. **How do I find a lender that has made a loan like mine?** Type the deal into Loan Comps: the amount, the kind of loan and the place. It lists the lenders with recorded loans like it, grouped by kind of lender, with the loans behind each answer. For example, 53 lenders made a multifamily refinance loan near $2.4M in Ohio in 2025. **Does it cost anything?** The Lender Report is free to use. Borrowers and brokers never pay us, and we never take a fee from a loan. **Can a lender pay to appear higher?** No. Verified is a paid listing. Order is not affected by payment. Lenders can pay a flat fee for a listing labeled "Verified (paid)" or an ad labeled "Ad". **What if a figure is wrong?** Anyone can ask for a correction, free. We reply within 2 business days and fix confirmed errors within 10. --- Page: https://lender.report/about/ About The Lender Report # A public record of who actually lends on what The Lender Report reads the filings banks, credit unions and lenders already make with the government, and gives every one of them a page: what it holds, what it has made, and where it lends. It is a report on lenders, not a place to report a lender. By Research desk, The Lender Report · Updated November 12, 2026 ## What it covers The Lender Report covers every US bank and credit union that files a call report, plus the non-banks visible in public filings: 10,906 lenders in all, 3,840 banks, 473 savings institutions, 4,299 credit unions and 2,294 non-banks. Another 197 depositories with no current call report keep their pages for the record. The figures come from FDIC call reports, NCUA credit union filings, HMDA multifamily loan records and 1-4 unit investor counts by state, and SBA 7(a) and 504 loan files. Call report figures are as of June 30, 2026. Banks and credit unions together hold $6.03T of commercial loans. The [sources page](https://lender.report/sources/) names each file and when it was pulled, and the methodology page says [exactly what is counted](https://lender.report/methodology/#coverage). ## Why it exists Finding out who makes a certain kind of loan used to mean phone calls, trade gossip and paid databases. The filings that answer the question are public but scattered, and most of them are hard to read. We joined them, and we show the join. Every figure carries its source and date. When the public record is silent, we say "Not reported" instead of guessing. When we do not know something, we say so on the page. ## How to use it - **Looking for a loan, or placing one.** [Loan Comps](https://lender.report/comps/) shows who has made a loan like yours, with the recorded loans behind the answer. [Search](https://lender.report/search/) filters every lender by place, kind, size and what it holds. - **Working at a lender.** Your institution already has a page. [Find it and claim it, free](https://lender.report/for-lenders/), and [correct anything that is wrong](https://lender.report/corrections/), also free. - **Building with the data.** A free [API and MCP server](https://lender.report/developers/) return the same record, with the source and date on every answer. ## What we are not The Lender Report is not a bank or a lender. It does not make loans or credit decisions. Listings are built from public records. We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan. The Lender Report is not affiliated with, endorsed by or acting for the FDIC, NCUA, FFIEC, CFPB, SBA, HUD or any government agency. Certificate and charter numbers identify institutions only. ## Who runs it The Lender Report is operated by JPro Labs LLC. Mailing address: 335 E Linton Blvd, Suite B14 #2074, Delray Beach, FL 33483. ## How the record stays honest - Every data refresh, correction and change to the method is on the [changelog](https://lender.report/changelog/). - The rules behind every order on this site are on the [methodology page](https://lender.report/methodology/), step by step. - Anyone can ask for a correction, free. We reply within 2 business days and fix confirmed errors within 10. [Corrections](https://lender.report/corrections/), and the [log](https://lender.report/corrections/log/) of each one made. - Lenders pay flat fees for a Verified (paid) listing or a labeled ad, and it never changes the order of results or any figure. [How we make money](https://lender.report/how-we-make-money/). - Every lender page carries one of three labels, and each says what was checked. [Verification Policy](https://lender.report/verification-policy/). ## Contact [desk@lender.report](mailto:desk@lender.report) Lender names are used only to identify the lenders that the public records describe. The Lender Report is not affiliated with, sponsored by or endorsed by any lender or government agency named on this site, unless a page says so. All trademarks belong to their owners. --- Page: https://lender.report/methodology/ Methodology # How the order is set Results on this site are in a published order, built only from public filings and the deal as you typed it. You can reproduce it by hand. Payment appears nowhere in it. By Research desk, The Lender Report · Updated November 11, 2026 ## What a Loan Comps search asks Amount, purpose, kind of loan, property or business type, number of units, place, and an optional loan to value. Nothing else is accepted. No name, Social Security number, tax ID, credit score, income, revenue or account number can be entered, by a person or an AI tool. The whole deal lives in the URL. It is not saved against anyone unless you save a list yourself. ## What "a loan like this one" means Five things are checked against every lender's recorded loans: - **Kind.** The same lane of loan. Multifamily leaves out manufactured-home parks. For SBA loans a business type narrows it by NAICS code. - **Size.** 0.6x to 1.5x the amount you typed. A $2.4M loan reads as $1.4M to $3.6M. Just outside that, from 0.36x to 2.25x, counts as near. - **Purpose.** Purchase, refinance, cash-out or improvement. Only HMDA records carry purpose, so in other lanes we say so. - **Place.** The state, and a county or metro when given. Loans in a neighboring state count as near. - **Recent.** The latest HMDA year (2025), or the last 24 months of the SBA file. A loan in the prior year or an earlier window counts as near. ## The levels Every lender gets one level, the highest its evidence supports. | Level | Rule | | --- | --- | | Done this | 2 or more loans that fit kind, size and purpose, in the state, in the latest period. | | Done one like it | Exactly one loan that fits, or loans that miss on exactly one of kind, size, purpose, the state (a neighboring state instead) or the period (an earlier one). Also a credit union with an office in the state that reports making this kind of loan. | | Holds this kind of loan | No recorded loans, or no loan-level record exists for this lane, but a book of at least $5,000,000 or 5% of the lender's loans, and an office in the state. A balance sheet shows what is held, not what was made recently. | | Lends on this elsewhere | A faint sign only: loans in this lane nowhere near this deal, or a book in a neighboring state. Off by default. | | Not an option, and why | Listed, with the reason, when the public record shows a lender merged, closed or stopped filing. Never silently dropped. | Beside the level, five dots: Kind, Size, Purpose, Place, Recent, each with its word. Filled: a recorded loan shows it. Half: a balance sheet or office suggests it. Empty: nothing public tells us. There is no score out of 100, and no percentage. A number like 87 reads as odds of a yes, and we do not know that. ## The order Grouped by kind of lender, because banks, credit unions and non-banks are not comparable. Inside a group, in this order: if the deal names a county or a metro area, loans like this one made there, capped at 10, so a lender with more of them comes first; then level; then loans like this one, capped at 10; then the share of the lender's own loans in this lane that are like this one, in 5-point steps; then the most recent evidence; then room above the loan amount on the size estimate; then name. Every step uses public filings and the deal as typed. Nothing a lender has paid or told us is an input. - **Place, when you name a county or a metro area.** Loans like this one made there, capped at 10. A lender with more of them comes first, so the place you typed changes the list in a way you can see. - Level. - Loans like this one, capped at 10, so national volume does not swamp a local lender. - The share of the lender's own loans in this lane that are like this one, in 5-point steps. A lender for whom this deal is normal sorts above one for whom it is rare. - The most recent evidence. - Room above the loan amount on the size estimate. - Name. Groups are not comparable, so results never mix them: Banks and credit unions with an office in your state; then Banks and credit unions with no office in your state; then Non-banks. Sentences on a result come from templates filled with data, never from a language model at request time, so nothing can be invented. ## Where each lane's evidence comes from | Lane | Loans made | Balances held | Also | | --- | --- | --- | --- | | multifamily | HMDA multifamily loan records | multifamily loans held, from the call report | Credit union originations, first half of 2026 | | 1-4 unit investor | HMDA counts by state, no individual loans | None | | | investor commercial real estate | No individual loan records | non-owner-occupied commercial real estate loans held, from the call report | Credit union originations, first half of 2026 | | owner-occupied commercial real estate | No individual loan records | owner-occupied commercial real estate loans held, from the call report | Credit union originations, first half of 2026 | | construction | No individual loan records | construction and land loans held, from the call report | Credit union originations, first half of 2026 | | residential development | No individual loan records | 1-4 family construction held, from the call report | Credit union originations, first half of 2026 | | farmland | No individual loan records | farmland loans held, from the call report | | | business | No individual loan records | commercial and industrial loans held, from the call report | Credit union originations, first half of 2026 | | SBA 7(a) | SBA loan records | None | | | SBA 504 | SBA loan records | None | | Bank call reports carry balances, not originations, so a bank's "loans made" come only from HMDA and SBA files. Those files show nothing about office, retail, industrial or construction loans at banks. Bank 1-4 family loans cannot be split between owner-occupied and investor, and we label that plainly. ## Rankings and the screener A ranking is one measure, one period and one source. Each is defined here and on its page. We never rank banks by concentration, or by anything that reads as bad news about a bank. - **Multifamily dollars originated in the latest HMDA year.** National and by state. - **Multifamily loans made in the latest HMDA year, manufactured-home parks excluded.** National. - **1-4 unit investor dollars originated in the latest HMDA year.** National. - **1-4 unit investor or business-purpose loans made in the latest HMDA year.** National. - **SBA 7(a) dollars on record in the 36 months of the file, net of cancelled approvals.** National and by state. - **SBA 7(a) loans on record in the 36 months of the file, net of cancelled approvals.** National. - **SBA 504 first-lien dollars on record in the 36 months of the file, net of cancelled approvals.** National. - **SBA 504 projects where the lender held the first lien, 36 months of the file, net of cancelled approvals.** National. - **Credit union real estate commercial loans made in the first half of 2026, in dollars.** National. - **Multifamily loans held.** National and by state. - **Construction and land loans held.** National. - **Owner-occupied commercial real estate loans held.** National. - **Non-owner-occupied commercial real estate loans held.** National and by state. - **Farmland loans held.** National. - **Commercial and industrial loans held.** National. - **All commercial loans held.** By state only. The screener filters and sorts on the fields in the [data dictionary](https://lender.report/data-dictionary/), and it shows its sort. Every sort is a column of public data, with the lender's permanent number as the tie-break. A search by name is ordered by how closely the name fits what you typed, then by assets. Payment is not a field. ## The Receipts: how a recorded loan is printed - Never a borrower name, street, ZIP or census tract, no loan status, no HMDA demographics, and never joined to deed records. - Place is a county only if that county has 5 or more loans of that program in that year or window across the whole public file, otherwise a metro by the same test, otherwise the state. - Amounts are rounded to 2 significant figures. SBA dates are month only. HMDA is year only. - A NAICS code shows at 6 digits only if it has 5 or more loans nationally in the window, otherwise the sector. - HMDA multifamily amounts are the midpoint of a $10,000 band, as HMDA publishes them. ## Capacity figures: our arithmetic, not a rating Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits. - **Commercial real estate concentration, banks:** construction, multifamily and non-owner-occupied commercial real estate, divided by tier 1 capital plus the allowance. It approximates the measure in the 2006 interagency guidance, which uses total risk-based capital and a 300% screening level that also requires 50% growth over 36 months. We do not use that growth test. The screening level is not a limit, and meeting it does not mean a bank has stopped lending. - **Credit union concentration:** the same loans over net worth, so it cannot be compared to the bank figure. - **Size estimate, banks:** 15% of tier 1 capital plus the allowance, from the national bank lending limit (12 CFR 32.3). State-chartered banks can have different limits. Labeled an estimate. - **Member business loan cap, credit unions:** the lesser of 1.75 times net worth or 12.25% of assets (12 CFR 723.8). Some credit unions are exempt. The single-borrower estimate is the greater of 15% of net worth or $100,000 (12 CFR 723.4). ## Where payment is, and where it is not Payment appears nowhere in the order of results, and in no public figure. Verified is a paid listing. Order is not affected by payment. Three separate things hold that in place, so one mistake cannot undo it: - **The ordering code is handed only public data.** Lender accounts, plans and payments live in a different database. The code that sets the order is never given a way to read it. - **A test reads the code on every build.** It fails the build if the ordering code, or any file it uses, mentions an account, a plan, billing or a paid flag, or reaches a file that does. - **A comparison runs the real data each quarter.** Every ordering is run with no lender paid, then with the lower half of every list marked paid, then with a random half marked paid. The order must be identical all three times. The latest comparison ran on November 9, 2026: **passed**, 80 orderings compared, 0 differences. The ordering code itself and the test are printed in full on [the ordering code page](https://lender.report/methodology/ordering/), so anyone can read them. ### The neutrality test, in plain words Ask one question about any change to this site: if a lender started paying today, or stopped, would any list, search result or ranking come out in a different order, or would any figure change? The answer has to be no, and it has to be no by construction, not by promise. - **Labels go on last.** "Verified (paid)" and "Ad" are read after the order is final and printed on the finished list. A label never moves a lender. - **Listing state is a filter, never a sort.** You can choose to see only Unverified, Claimed or Verified (paid) listings. No list is sorted by it, starts filtered by it, or breaks a tie with it. - **Ads are separate.** An ad never sits inside a result list. It says Ad before the name, in its own box, and names who paid. Our API and MCP answers carry no ads by default, and any paid item carries `is_paid` and its label. - **A paid page gets the same data, in the same order.** A Verified (paid) listing adds the lender's own confirmed details, its own people and a contact form to its own page. It changes no figure from a public record. - **What a lender tells us** can only ever appear as that lender's own statement, marked as such. It is never an input to an order. More: [How we make money](https://lender.report/how-we-make-money/), the [Advertising Policy](https://lender.report/advertising-policy/) and the [Verification Policy](https://lender.report/verification-policy/). ## What is counted This site covers every US bank and credit union that files a call report, plus the non-banks visible in public filings. That is 10,906 lenders: 3,840 banks, 473 savings institutions, 4,299 credit unions and 2,294 non-banks. Another 197 depositories with no current call report keep their pages for the record. A lender seen only in HMDA or SBA files counts as a non-bank unless it is a depository on record. This is the count this site uses. The recorded loans are the 258,919 you can open on a lender page: HMDA multifamily loans for 2024 and 2025, and SBA 7(a) and 504 loans made Oct 2023 through Sep 2026. Cancelled and not-funded SBA approvals are never counted or shown. ### What each count includes A count on this site means one thing wherever it appears, and has a name. These are the names and what each includes, so two pages that print different numbers are counting different things, and say so. The numbers below are read from the same data the pages use. **Lenders on record: 10,906** Every bank, savings institution and credit union that filed the call report for June 30, 2026, plus the non-banks seen in HMDA or SBA files. This is the lender count on the home page and in page headlines. **Lender pages: 11,103** One page for every lender record: the 10,906 on record, plus 197 depositories with no 2026 call report, which keep a page for the record. The A to Z index counts these. **Lenders listed in Loan Comps and the screener: 10,854** The lenders on record that are still active. 52 institutions filed the June report and then merged, closed or stopped filing. They stay on record, and Loan Comps lists them apart, under "Not an option, and why". **Recorded loans in a place** Every recorded loan located there, whichever lender made it and whatever that lender's status is now. Ohio had 1,361 multifamily loans recorded for 2025. A page that counts only the loans of lenders still active says so beside its figure. **Lenders that made a loan like this** The lenders Loan Comps lists with at least one recorded loan like the deal: 53 for the Ohio example on the home page. The funnel above that figure also counts the lenders that are no longer an option, 55 in all, and shows the difference on its own line. ## The checks we run Every build reconciles the file against its sources. Category totals are checked against each filer's reported totals. SBA figures cover Oct 2023 through Sep 2026, and net figures leave out approvals that were later cancelled. ## Limits on reading and on the API 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. The API and the MCP server have daily limits that depend on how you ask. With no key, 50 calls a day and 10 rows a call. With a free account, 500 calls a day. With a developer license, 5,000 calls a day, or 50,000 for a team. Hosted assistants such as Claude and ChatGPT share a pool of 5,000 calls a day, because their users arrive from a few addresses. The limits gate depth and bulk, not single lookups, and the full table is on the [developers page](https://lender.report/developers/#limits). 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. ## What this data cannot tell you Figures are compiled from public filings and government data, as explained on our methodology page. They are shown as filed, may be out of date or wrong, and do not cover every loan a lender makes. Search results are not a recommendation. Nothing here is a credit rating, a prediction, or a statement about the safety of any institution or its deposits. Unless a page says otherwise, institutions shown have not reviewed it. Names identify institutions and imply no affiliation. - Whether anyone is taking new loans today. Filings look backward. - What a lender will quote, or its underwriting limits, unless it has told us. - Loans a lender made that no public file records. ## Source and date on every figure A figure on this site is printed with the filing it came from and the date of that filing, beside the figure or at the head of its table. A sentence that states a figure names its source in the sentence. When the public record has no figure, the page says "Not reported". The build checks lender pages for this, and the [sources page](https://lender.report/sources/) lists every file and the day it was pulled. ## Corrections and changes Anyone can ask for a correction, free, on the [corrections page](https://lender.report/corrections/). We reply within 2 business days and fix confirmed errors within 10. If we misread a filing we fix it and log it in the [corrections log](https://lender.report/corrections/log/). Where the filing itself is wrong, the figure stays as filed with the lender's correction beside it. While a credible dispute is checked, that one figure is taken out of the site and the lender's page says it is under review. Every change to data or to this method is on the [changelog](https://lender.report/changelog/). --- Page: https://lender.report/sources/ Sources # Data sources Every figure on this site names one of the sources below. Call reports are as of June 30, 2026, HMDA covers through 2025, and SBA files run through September 30, 2026. By Research desk, The Lender Report · Updated November 8, 2026 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](https://lender.report/report/). ## Filings and public data The key is what you will see on each figure's source tag. | Key | What it is | What we use it for | Pulled | Link | | --- | --- | --- | --- | --- | | S1 | FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30 | Bank balance sheets, book by category, capital. | October 28, 2026 | [Source](https://api.fdic.gov/banks/financials) | | S2 | FDIC BankFind Suite API, /banks/institutions | Bank names, HQ, charter, holding company, website, status. Pulled the same day as the structure history. | November 9, 2026 | [Source](https://api.fdic.gov/banks/institutions) | | S3 | FDIC BankFind Suite API, /banks/locations | Bank offices by state. | October 28, 2026 | [Source](https://api.fdic.gov/banks/locations) | | S4 | NCUA 5300 Call Report quarterly data, cycle 2026-06 and 2025-06 | Credit union financials, commercial loans, originations, branches. | October 28, 2026 | [Source](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) | | S5 | CFPB/FFIEC HMDA public data: multifamily originations 2024 and 2025, 2025 loan register for 1-4 unit investors, transmittal sheets | Multifamily originations and 1-4 investor aggregates. | October 28, 2026 | [Source](https://ffiec.cfpb.gov/data-browser/) | | S6 | SBA 7(a) and 504 FOIA loan-level data, as of 2026-09-30 | SBA approvals by lender. | November 8, 2026 | [Source](https://data.sba.gov/dataset/7a-504-foia) | | S7 | FDIC BankFind Suite API, /banks/financials, 12 quarters ending 2026-06-30 | Quarterly trend per bank. | November 8, 2026 | [Source](https://api.fdic.gov/banks/financials) | | S8 | NCUA 5300 Call Report quarterly zips, 12 cycles ending 2026-06 | Quarterly trend per credit union. | November 12, 2026 | [Source](https://ncua.gov/files/publications/analysis/call-report-data-YYYY-MM.zip) | | S9 | US Census Bureau county FIPS codes | County names. | November 12, 2026 | [Source](https://www2.census.gov/geo/docs/reference/codes2020/national_county2020.txt) | | S10 | OMB metropolitan delineation, 2023 list 1, via Census | Metro names and county to metro mapping. | November 12, 2026 | [Source](https://www2.census.gov/programs-surveys/metro-micro/geographies/reference-files/2023/delineation-files/list1_2023.xlsx) | | S11 | FDIC BankFind Suite API, /banks/history | Merger, closing and name-change events, to identify a merged or closed bank's successor. | November 9, 2026 | [Source](https://api.fdic.gov/banks/history) | | S12 | FHFA Federal Home Loan Bank member list | FHLB membership flags. | November 12, 2026 | [Source](https://www.fhfa.gov/data/fhlb-membership) | | S13 | HUD FHA multifamily firm commitments and initial endorsements database | FHA multifamily lending by lender, fiscal 2025 and 2026, by hand crosswalk. | November 12, 2026 | [Source](https://www.hud.gov/hud-partners/multifamily-data) | | S14 | CMBS loan-level data from SEC ABS-EE filings, on SEC EDGAR | CMBS originator of each loan since 2025-07-01, matched to lenders by hand crosswalk. | November 12, 2026 | [Source](https://www.sec.gov/edgar/search/) | | S15 | Freddie Mac Optigo lenders page | Not used in this build. The Optigo lender list is held out until the owner and counsel decide whether it may be used; no record cites this source. | November 12, 2026 | [Source](https://mf.freddiemac.com/borrowers/optigo-lenders) | | S16 | NCUA Credit Union Details | Credit union websites, field of membership, FHLB flag. | November 12, 2026 | [Source](https://mapping.ncua.gov/) | | S17 | FFIEC Community Reinvestment Act (CRA) small business and small farm loan data, disclosure files, calendar years 2022 to 2024 | Small business and small farm loans a bank reported as originated, by size, state and county. Banks at or above about $1.6 billion in assets file it. | November 12, 2026 | [Source](https://www.ffiec.gov/data/cra/flat-files) | | S18 | SEC EDGAR Forms 10-Q and 10-K (XBRL): term loans by year of origination, bank holding company groups | Balance still held, at the filing date, of loans originated in the current and prior fiscal year, at the level of the SEC registrant and its subsidiaries together. | November 12, 2026 | [Source](https://www.sec.gov/search-filings) | | S19 | FDIC Summary of Deposits, June 30, 2026: offices by county | Full-service and limited-service offices by county. Deposit amounts are not carried. | November 12, 2026 | [Source](https://api.fdic.gov/banks/sod) | | S20 | FFIEC Call Report bulk data (CDR), report date June 30, 2026 | Undrawn construction and commercial and industrial commitments. | November 12, 2026 | [Source](https://cdr.ffiec.gov/public/PWS/DownloadBulkData.aspx) | | S21 | Farm Credit Administration: Farm Credit System public directory and quarterly call report | Farm Credit System banks and associations, with loans outstanding by type. | November 12, 2026 | [Source](https://www.fca.gov/bank-oversight/fcs-directory-map) | | S22 | SBA lists of Certified Development Companies, Small Business Lending Companies, Community Advantage lenders, microlenders and SBIC licensees | Program rosters. A listing is membership, not lending volume. | November 12, 2026 | [Source](https://www.sba.gov/funding-programs/loans) | | S23 | SEC EDGAR: Business Development Company report and each company's latest 10-Q or 10-K | Business development companies, with balance sheet figures from their own filings. | November 12, 2026 | [Source](https://www.sec.gov/data-research/sec-markets-data/opendatasetsshtmlbdc) | | S24 | SEC EDGAR: mortgage REITs, debt funds and other filers that report a loan book (SIC 6798 list and XBRL loan-book search), and each company's latest 10-Q or 10-K | Companies that file with the SEC and report holding loans, with balance sheet figures from their own filings. | November 12, 2026 | [Source](https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&SIC=6798) | | S25 | CDFI Fund: certified Community Development Financial Institutions | Certified CDFIs. | November 12, 2026 | [Source](https://www.cdfifund.gov/programs-training/certification/cdfi) | | S26 | CDFI Fund: New Markets Tax Credit allocatees | NMTC allocatees by award round. | November 12, 2026 | [Source](https://www.cdfifund.gov/programs-training/programs/new-markets-tax-credit) | | S27 | HUD: FHA multifamily lender rosters (MAP and LEAN) | Approved MAP and LEAN lenders. | November 12, 2026 | [Source](https://www.hud.gov/program_offices/housing/mfh) | | S28 | Fannie Mae: Delegated Underwriting and Servicing (DUS) lenders | DUS lender roster. | November 12, 2026 | [Source](https://multifamily.fanniemae.com/) | | S29 | Ginnie Mae: approved issuers | Ginnie Mae multifamily issuers. | November 12, 2026 | [Source](https://www.ginniemae.gov/) | | S30 | USDA Rural Development: approved lenders | USDA guaranteed loan lenders. | November 12, 2026 | [Source](https://www.rd.usda.gov/) | | S31 | NYC Department of Finance: ACRIS recorded mortgages (NYC Open Data), October 2023 to September 2026 | Mortgages recorded in the five boroughs in which a lender is named as the lender. | November 12, 2026 | [Source](https://data.cityofnewyork.us/City-Government/ACRIS-Real-Property-Master/bnx9-e6tj) | ## Rules we use for estimates | Key | What it is | What we use it for | Pulled | Link | | --- | --- | --- | --- | --- | | R1 | 12 CFR 32.3, lending limits, national banks | 15% general lending limit. | November 12, 2026 | [Source](https://www.ecfr.gov/current/title-12/chapter-I/part-32/section-32.3) | | R2 | 12 CFR 723.8, aggregate member business loan limit | Credit union MBL cap and exemptions. | November 12, 2026 | [Source](https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-723/section-723.8) | | R3 | 12 CFR 723.4, commercial loan policy, loans to one borrower | Single-borrower limit, greater of 15% of net worth or $100,000. | November 12, 2026 | [Source](https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-723/section-723.4) | ## Using these sources Nearly all of these are public records from government agencies. The exception is the Freddie Mac lender list (S15), a public web page that Freddie Mac publishes. No figure here comes from a private data vendor. How each source is read and joined is on the [methodology page](https://lender.report/methodology/), and each field is defined in the [data dictionary](https://lender.report/data-dictionary/). We credit the agencies, and we are not affiliated with any of them. --- Page: https://lender.report/data-dictionary/ Data dictionary # Data dictionary What every field in the lender record means, its unit, and the filing field it comes from. Call report fields are as of June 30, 2026. By Research desk, The Lender Report · Updated November 8, 2026 ## 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](https://lender.report/methodology/). - 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](https://lender.report/developers/) 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](https://lender.report/sources/). 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% | --- Page: https://lender.report/license/ License # License for AI and data use The Lender Report wants to be read, quoted and cited. Here are the terms in one place. > 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](https://lender.report/data/) are released under [CC BY 4.0](https://creativecommons.org/licenses/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](https://lender.report/account/). 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](https://lender.report/developers/). ## 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](mailto:desk@lender.report). --- Page: https://lender.report/data-license/ Data # Data license and Developer API license Reading this site, searching it and using it in AI answers are free. A license is for building a product on the data, or for files delivered to your own team. ## What is free, and what needs a license Facts from government filings are public, and so are our pages. You may read them, search them, cite them and use them in AI answers or for training at no charge if you keep the source and date with any figure, credit The Lender Report with a link, and keep every Ad or Paid label with its content. That is the [license](https://lender.report/license/). The API and MCP server are free within their [published limits](https://lender.report/developers/#limits), for your own internal use. You need a license below when you want to build the data into something you offer to others, or want files. ## The licenses Annual is 10 months' price for twelve | License | Who it is for | What it covers | Price | | --- | --- | --- | --- | | Developer app license | An app, product or service that uses the data through the API or the MCP server. | 5,000 calls a day and 100 rows a call, with the right to build the data into a product. Hosted AI assistants stay free. | Join the waitlist for pricing | | Developer app license, team | The same, for a team with a higher volume. | 50,000 calls a day, with the same right. | Join the waitlist for pricing | | Data license | A company that wants files for its own analysis. | Files of the public record on a schedule, for internal use. Not yet: files are prepared for each agreement, and we say what is in them before you sign. | Join the waitlist for pricing | | Platform or AI license | A platform, a data product, or a company that trains or serves a model on the data at scale. | A license written for the use. Reading our public pages for search and AI answers does not need one. | Join the waitlist for pricing | [Join the waitlist for the Developer license](https://lender.report/waitlist/?product=api_license) Not on sale yet. Joining costs nothing and orders nothing. A Developer license is for an app or product, and the [API terms](https://lender.report/terms/#api) still govern it. ## What no license includes - Names, emails or phone numbers of any person. There are no people in a bulk file, an export or a free API tier. - Any borrower, or any row that could identify one. Recorded loans appear only as the site shows them, coarsened. - Anything that is not in the public record: no private lender terms, no deal data and nothing from any broker. - A rating, a prediction or a recommendation. The data is facts, shown with their source and date. ## The terms, in short - Use is for your own work or your own product, as the license says. It is not for resale, and not for redistribution as a dataset. - A competing data product is not allowed. - Keep the source and date with any figure, and credit The Lender Report with a link where you show or rely on our figures. - Keep every Ad or Paid label with the content it belongs to. An API or MCP answer leaves ads out unless a caller asks for them by name. - Everything comes without warranty. The agreement itself is written for the license, and a bank or a company may negotiate it with us in writing. ## Ask for a quote Nothing is stored. Your own mail program sends it Open it in your mail program Please send no personal or financial information. We answer with a quote and the draft agreement, and we say what is in the files before you sign. --- Page: https://lender.report/how-we-make-money/ Plainly # How we make money The Lender Report is free to use. Borrowers and brokers never pay us, and we never take a fee from a loan. By Research desk, The Lender Report · Updated November 12, 2026 ## We make money in three ways. - **Verified listings.** A lender can pay a flat monthly fee to confirm its lending details, add its own people and receive messages from its page. These pages are labeled "Verified (paid)". A lender can also pay a one-time flat fee for help setting up its page. - **Advertising.** A lender can pay a flat fee to sponsor a market page. Every ad is labeled "Ad" and names who paid for it. - **Reports and data.** We sell market reports to lenders, and data and API licenses to developers and institutions, for flat fees. All are built from the same public records you see on the site. Today: paid listings, ads, reports and licenses are not on sale yet. Each has a [waitlist](https://lender.report/waitlist/), and nothing is charged for joining. ## What money does not buy A higher place in search, lists or rankings, a better figure, or the removal of a true public record. Order is set by the public data and the filters you choose. The rules that set the order, and the test that keeps payment out of them, are on the [methodology page](https://lender.report/methodology/#payment). What a lender can and cannot buy is in the [Advertising Policy](https://lender.report/advertising-policy/). What the Verified (paid) label means, and what was checked, is in the [Verification Policy](https://lender.report/verification-policy/). ## Who we are Who we are: The Lender Report is operated by JPro Labs LLC. JPro Labs LLC, the company that operates The Lender Report, also operates Janover Pro, a commercial real estate software and data product, and is affiliated with Janover Capital, a commercial real estate financing business. If you send a financing request through this site, it goes to JPro Labs LLC and is not sent to a lender unless you ask. ## Related - [Corrections](https://lender.report/corrections/): free for everyone, never tied to a payment. - [For lenders](https://lender.report/for-lenders/): what a lender can do with its page. - [Terms of Use](https://lender.report/terms/) and [Privacy Policy](https://lender.report/privacy/). --- Page: https://lender.report/verification-policy/ Policy # Verification Policy Every lender page carries one of three labels. This is what each one means, what was checked, and what was not. By Research desk, The Lender Report · Updated November 12, 2026 The Lender Report is operated by JPro Labs LLC. **In short:** Verified is a paid listing. Order is not affected by payment. No label is a rating, a recommendation or our opinion of a lender. ## The three labels | Label | What it means | What we checked | Cost to the lender | | --- | --- | --- | --- | | Unverified listing | The page was built from public records and the lender has not reviewed it. Every lender page starts this way. | Nothing. The label describes how the page was made, not the lender. | Free | | Claimed | A representative proved they act for the lender, with a work email address at the lender's own domain or another accepted proof, on the date shown. | The work email address, by a one-time code. | Free | | Verified (paid) | The lender pays a flat monthly fee, and confirmed its lending details on the date shown under the label. | That the representative works at the lender, and the date the lender confirmed its details. | Paid by the lender | Each lender page is Unverified, Claimed or Verified. Unverified means the page was built from public records and the lender has not reviewed it; it says nothing about the lender. Claimed means a representative proved they act for the lender, with a work email address at the lender's own domain or another accepted proof. Verified is a paid listing: the lender pays a flat fee, we check that its representative works there, and the lender confirms its lending details on a stated date. No state is a rating, a recommendation or our opinion of a lender, and no state changes the order of search results, lists or rankings. ## 1. The three states Unverified, Claimed and Verified, as defined in the Terms of Use, section 2.4. ## 2. What we check for Claimed Control of a working email address at the lender's own internet domain, matched to the domain in the public record or on the regulator's listing, by a one-time code. Where that is not possible, one of these accepted proofs: a DNS record on that domain, a call to the main phone number in the regulator's record, a letter signed by an officer, or, for a lender that is not a bank or credit union, a person's review of its entity record, state license and domain. Date recorded and shown. ## 3. What we check for Verified Everything in section 2, plus: the representative states they are authorized to speak for the lender; the lender reviews and confirms each lending detail shown as "Confirmed by lender"; the date of that confirmation is recorded and shown. For a lender that is not a bank or credit union, we also record the license number or exemption it gives us for each state it lists. ## 4. What we do not check We do not audit a lender's financial condition, rates, underwriting, service or complaints, and we do not test whether it will make any loan. Verified is not a rating, an award or an opinion. ## 5. Verified is paid A flat monthly fee. The label says "Verified (paid)". Payment never changes order, ranking or any public-record figure. ## 6. How long it lasts A confirmation is good for 12 months. If the lender does not reconfirm, or the plan ends, the page returns to Claimed. We do not show that a lender used to be Verified. ## 7. People A Verified lender may list people who work for it. For each person the representative confirms the person agreed. We email each person a notice with a removal link. We remove a person within 5 business days of a request from the person or the lender. Named on a lender's page and want to come off it, or to fix a detail? [Use the removal form](https://lender.report/removal/). ## 8. Removal of Verified We remove Verified, and may refund the unused part of the month, if a representative turns out not to be authorized, if confirmed details are shown to be false and are not corrected within 5 business days, or if the lender loses its charter or license. ## 9. Unverified is not a judgment Every lender begins as Unverified. The label describes how the page was made. A lender does not need to pay to correct an error: corrections are free for everyone (see Corrections). [Ask for a correction](https://lender.report/corrections/). Work at a lender? [Find and claim your page, free](https://lender.report/for-lenders/). ## How it works in practice - **Verified needs three things at once:** an active paid plan, a claimed account at the lender's own domain, and lending details the lender confirmed within the last 12 months. If any one is missing, the page shows Claimed. - **The work email check.** A code is sent to an address at the domain in the regulator's record. Free webmail addresses are refused. The check is repeated every 12 months and when the domain changes. - **Confirming details.** A representative ticks that the published lending details are true today and confirms. The date, and who confirmed, are recorded, and the date is shown under the label. - **People.** Only on a Verified (paid) page, added one at a time by a signed-in representative who confirms each person agreed. Each person is emailed a notice with a link that removes the listing. No name comes from a licensing database, a bought list or a lender's team page. - **The contact form.** Only on a Verified (paid) page, and only after the lender names an address at its own domain. A lender that is not a bank or credit union must state the license or exemption it lends under. The fee is the flat plan fee and never varies with messages, loan size or outcome. Message text is cleared after 90 days. - **Order.** The code that sets the order of results cannot read a listing state, and a build test fails if it ever could. A listing state can be a filter you choose, never a sort. ## Common questions ### Does a Verified (paid) lender appear higher in results? No. Payment never changes order, ranking or any public-record figure. Listing state is a filter you can choose, never a sort order. ### Does "Unverified listing" mean something is wrong with the lender? No. Every lender begins as Unverified. The label describes how the page was made: from public records, without the lender reviewing it. ### Does a lender have to pay to fix an error on its page? No. Corrections are free for everyone, whether or not the lender has claimed its page or pays for anything. ### How long does Verified last? A confirmation is good for 12 months. If the lender does not reconfirm, or the plan ends, the page returns to Claimed. ## Related - [How we make money](https://lender.report/how-we-make-money/) - [Advertising Policy](https://lender.report/advertising-policy/) - [How the order is set, and the test that keeps payment out of it](https://lender.report/methodology/#payment) - [Terms of Use, listing states](https://lender.report/terms/#t-4) ## Contact The Lender Report is operated by JPro Labs LLC. Questions about a label, or a report that a claim on a page is false: [desk@lender.report](mailto:desk@lender.report?subject=Verification). --- Page: https://lender.report/advertising-policy/ Policy # Advertising Policy Lenders can pay this site for a listing, an ad or a report. This is what they get, how it is labeled, and what no payment can buy. By Research desk, The Lender Report · Updated November 12, 2026 The Lender Report is operated by JPro Labs LLC. **In short:** every fee is flat, every ad says "Ad" and names who paid, ads are sold for whole markets only, and payment never changes the order of results or any figure. ## 1. What is sold Verified listings, market sponsorships and reports, each for a flat fee set in advance. Nothing is sold per click, per message, per lead, per loan or by loan size. Also sold, each for a flat fee set in advance: lender plans above Verified, one-time setup help for a lender, and data and API licenses for developers and institutions. Borrowers and brokers are never charged. ## 2. Labels Every ad is labeled "Ad" and names who paid for it. Every Verified page is labeled "Verified (paid)". Labels are visible without a tap or hover and are not removed for any price. An ad reads like this, above the advertiser's own words: **Ad. Paid for by** and the lender's name. It sits in its own box, outside any list of results. ## 3. What payment cannot buy A higher position in search results, lists or rankings; a change to a public-record figure; removal of a true public record; a statement by The Lender Report that a lender is good, safe, sound or better than another. ## 4. Geography and fair lending Sponsorships are sold for a whole state, metropolitan area or county. We do not sell or deliver ads by ZIP code, census tract, neighborhood or any area smaller than a county, and we do not let an advertiser exclude any part of a market. We do not target or exclude any audience by race, color, religion, national origin, sex, marital status, age, disability, family status or any proxy for them. Each advertiser is responsible for making sure its choice of markets is consistent with its own fair lending and Community Reinvestment Act duties. ## 5. Who may advertise Banks and credit unions chartered in the United States, and other lenders that hold whatever license the states they lend in require. We may ask for proof. No loan brokers, lead sellers, or consumer loan products. ## 6. Ad content Truthful, business-purpose only. No rates or terms unless the advertiser states the conditions clearly. No "guaranteed", no promise of credit, no claim about another lender. The advertiser is responsible for its own advertising rules, including the FDIC and NCUA membership statement rules and Equal Housing Lender rules where they apply to it. No use of a person's name or picture in an ad without that person's written consent. ## 7. Our own conduct We do not tell a lender that its Unverified or Claimed page will be harmed, hidden or ranked lower if it does not pay, because it will not be. We do not sell the removal of information. ## 8. No endorsement An ad or a Verified listing is not an endorsement by The Lender Report. Advertisers may say "Verified (paid) listing on The Lender Report" and link to their page. They may not say "approved by", "rated by", "recommended by" or "certified by" The Lender Report. ## Related - [How we make money](https://lender.report/how-we-make-money/): every way this site earns, on one page. - [Verification Policy](https://lender.report/verification-policy/): what the Verified (paid) label means and what was checked. - [How the order is set](https://lender.report/methodology/#payment): the ordering rules, and the test that keeps payment out of them. - [Corrections](https://lender.report/corrections/): free for everyone, never tied to a payment. - [Advertise](https://lender.report/advertise/): the formats and how an ad is reviewed. ## Contact The Lender Report is operated by JPro Labs LLC. Questions about an ad, or a complaint about one: [desk@lender.report](mailto:desk@lender.report?subject=Advertising). --- Page: https://lender.report/corrections/ Trust # Corrections See something wrong? Write to desk@lender.report or use the correction form. We reply within 2 business days and fix confirmed errors within 10. We correct our own mistakes at once. Where the public record itself is wrong, we show the lender's correction beside it and tell you how to ask the agency to fix the source. By Research desk, The Lender Report · Updated November 11, 2026 The Lender Report is operated by JPro Labs LLC. **Free** for everyone**2 business days** to a reply**10 business days** to fix a confirmed error ## Ask for a correction Tell us which figure, what it should be, and where the right figure is published. A link to the filing helps most. You do not have to say who you are. **We have your correction request.** What happens next is below. A fix shows on the page after the next build of the site, and in the [corrections log](https://lender.report/corrections/log/). ## What happens next - **We log it and reply.** Within 2 business days, if you left an email address. The reply says we have it and the date we will answer by. Nothing else. - **We check the figure against its source.** Every figure on this site shows its source and date. We open the filing named beside it, for that lender and that period, and compare. - **One of three things is true.** We misread or miscomputed it. Our error. We fix it in the way the data is built, add a check so it cannot come back, and look for the same mistake on other lenders. - The page shows what the filing says, and the filing is wrong or was amended. The record's error. The figure stays as filed, the lender's correction is shown beside it as the lender's own statement, and we tell you how to ask the agency to fix the source. - The page shows what the filing says, and it is right. No error. We say so, with the filing, the line and the date. The figure does not change. - **We publish the fix** within 10 business days of a confirmed error, add it to the [corrections log](https://lender.report/corrections/log/) and the [changelog](https://lender.report/changelog/), and tell you what changed. ## While a figure is being checked When a figure is plainly wrong, or is credibly disputed and the check will take more than a day or two, we take that one figure out of the site until the check is done. The rest of the lender's page stays. The lender's page then says **Under review** and names the figure. - Search, Loan Comps, compare, the API and the MCP server stop returning the figure as soon as it is taken out of the database. - The lender's own page, lists and rankings are built ahead of time, so they drop it at the next build of the site. - Totals that were added up before the figure was taken out, such as a state total, can still include it until the next data release. No figure is under review today. [See the list](https://lender.report/corrections/log/#under-review). ## When the public record itself is wrong We show filings as filed. If the filing is wrong, the lasting fix is at the agency, and the next data refresh picks it up: - **Bank and credit union balances.** The lender files an amended call report with its regulator: the FFIEC call report for a bank, the NCUA 5300 for a credit union. - **Multifamily and 1-4 unit loan records.** The lender resubmits its HMDA data to the CFPB. - **SBA 7(a) and 504 loans.** The lender asks the SBA to correct its loan data. ## What we will not do - Change or remove a correct figure because a lender pays, objects or asks. - Make a figure look better than the record. - Ask a lender to claim its page, buy a listing or buy an ad before we fix an error. Corrections are free for everyone. - Promise a result before the check is done. ## If you are named on a page Listed here and want to be removed or corrected? Write to desk@lender.report or use the removal form. We remove people within 5 business days and do not ask why. [The removal form](https://lender.report/removal/). ## Something else wrong A page that looks fraudulent, someone posing as a lender, or a bug: use the [report form](https://lender.report/report/). A page that looks fraudulent is looked at within 1 business day. ## Formal and legal notices The Lender Report is operated by JPro Labs LLC. A lender's counsel, or anyone sending a formal notice, can write to [desk@lender.report](mailto:desk@lender.report?subject=Legal%20notice) with "Legal notice" in the subject line, or by mail to 335 E Linton Blvd, Suite B14 #2074, Delray Beach, FL 33483. ## Common questions ### Who can ask for a correction? Anyone. A lender, a broker, a borrower, a journalist. We do not ask for proof of who you are before we look. ### Does a lender have to pay, or claim its page, to get an error fixed? No. Corrections are free for everyone, paying or not, claimed or not. A correction is never traded for a claim, a paid listing or an ad. ### How long does it take? We reply within 2 business days and fix confirmed errors within 10. We correct our own mistakes at once. ### Can a lender have a true figure removed? No. A correct figure from a public record is not changed or removed because a lender pays, asks or objects. A figure can be taken out for a short time while a credible dispute is checked. [Corrections log](https://lender.report/corrections/log/) · [Methodology](https://lender.report/methodology/) · [Sources](https://lender.report/sources/) · [Changelog](https://lender.report/changelog/) --- Page: https://lender.report/corrections/log/ Trust # Corrections log Every correction to a figure on this site, newest first: the page, what was wrong, and what changed. No name of anyone who wrote in is kept here. By Research desk, The Lender Report **0** corrections logged**0** figures under review ## Under review now No figure is under review today. ## Corrections made No correction has been logged yet. The site is new, and this page will list each one as it is made. To report an error, use the [correction form](https://lender.report/corrections/). ## How to read this - **Our error** means we misread or miscomputed a filing. The figure was fixed in the way the data is built. - **The public record was wrong** means the page showed what the filing said. The figure stays as filed until the agency's record changes, with the lender's correction shown beside it. - **No error found** is logged only when a figure had been taken out for review and was put back unchanged. [Ask for a correction](https://lender.report/corrections/) · [Changelog](https://lender.report/changelog/) · [Methodology](https://lender.report/methodology/) --- Page: https://lender.report/developers/ API and MCP, data as of June 30, 2026 # Lender data for your code and your agents The same lender record as this site, as a JSON API and a remote MCP server. It works with no key and no sign-up, within the limits below. Every answer carries its source and date. By Research desk, The Lender Report · Updated November 8, 2026 ## 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 ``` ### Claude Code ``` claude mcp add --transport http lender-report https://lender.report/mcp ``` With a key: ``` claude mcp add --transport http lender-report https://lender.report/mcp --header "Authorization: Bearer YOUR_KEY" ``` ### 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 ``` ### 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" } } } ``` ### VS Code One command: ``` code --add-mcp '{"name":"lender-report","type":"http","url":"https://lender.report/mcp"}' ``` Or put this in `.vscode/mcp.json`: ``` { "servers": { "lender-report": { "type": "http", "url": "https://lender.report/mcp" } } } ``` ### 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](https://lender.report/mcp/server-card), and [/.well-known/api-catalog](https://lender.report/.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. | Tool | What it returns | Inputs | | --- | --- | --- | | `find_loan_comps` | Returns lenders with public evidence of loans like a described deal, in three groups (banks and credit unions with an office in the state, those without, non-banks). Each row has the evidence level, counts, a sentence with its source, and the recorded loans in the place asked. Use it for "who has made a loan like this". Give lane and state, plus amount and purpose; use resolve_place first for a city or county. It reports past loans, not who is lending today. For one named lender use get_lender. | lane, state, place, amount, purpose, type, units, county, metro, program, lender_kind, ltv, include_elsewhere, include_ruled_out, detail, limit, offset | | `search_lenders` | Finds lenders by name, trade name or holding company, or lists them by state, kind, asset size and flags, with identifiers, books held by category and counts of loans made. Use it to get a lender identifier or to build a list, such as credit unions in a state that bought participations. For deal evidence use find_loan_comps; for "is it still operating" use check_lender_status. | q, office_state, hq_state, type, flags, min_assets, max_assets, min_participations_bought, sort, detail, limit, offset | | `get_lender` | Returns one lender by slug or identifier (fdic:6653, ncua:21930, rssd:489623, lei:...): identity, status, books held by category, loans made by program, offices, capacity measures (not a rating), dated one-sentence facts and a citation. The default view is a summary; ask for book, activity, capacity, signals, peers or facts for the rest. For its recent loans use get_lender_activity. | id, view, as_of | | `check_lender_status` | Returns whether a bank or credit union is operating, merged, closed or not in this record, with the regulator's date, any successor, and a link to the regulator's own record. Accepts an identifier or a name. Use it for "is this lender still in business". It states what records say; it is not a statement about safety or soundness, and a lender not found may still exist. | id, q, state | | `get_lender_activity` | Returns the loans one lender has made, from HMDA, SBA and credit union filings, as counts, medians and coarsened recent loans, optionally for one state, metro and program. No borrower names. Use it after get_lender to see what the lender has actually closed. A held balance is not evidence of a recent loan. | id, state, metro, program, period, detail, limit | | `list_market_lenders` | Returns who has recorded loans in a state or metro for one lane, ordered by count, with totals. Where a lane has no loan-level record (commercial real estate at banks, construction, farmland, business) it lists lenders with an office in the state that hold that kind of book, and says so. Use it for "who lends in Columbus"; accepts a place name, a state or a CBSA code. | place, lane, program, detail, limit, offset | | `rank_lenders` | Returns one ranking on one defined measure, period and source, national or for one state, with the unit stated and the address of its ranking page. Rankings cover lending activity and books held only. Use it for "largest SBA 7(a) lenders in Texas" or "credit unions that bought the most participations". get_coverage lists each metric with the scopes it has. | metric, scope, limit, offset | | `compare_lenders` | Returns two to four lenders side by side as a table of comparable measures (assets, books by category, loans made, offices, capacity measures with their captions) and, if a deal is given, each lender's evidence on it. Accepts names or identifiers. Use it to weigh named lenders against each other; to find lenders first use find_loan_comps or search_lenders. | ids, lane, state, amount, purpose | | `get_changes` | Returns data releases and the changes they carried, newest first: what each release took from the latest filings, the date this site published it and the filing period it covers. Filter by since (publish date) or period_since (filing period), and by kind. Use it for "what is new" or to keep a copy current. It also says whether the next quarter's call reports are yet published. | since, period_since, kind, limit, offset | | `resolve_place` | Turns a city, county, metro or state name into the place codes the other tools take, with every plausible candidate when a name is ambiguous (Columbus in Ohio, Georgia and Indiana). Use it before find_loan_comps or list_market_lenders when the user names a place. Returns CBSA codes, county FIPS codes, state codes and, where it exists, the page for that place. | q, state, limit | | `get_coverage` | Returns what the record covers and how current it is: counts, the as-of date of each source, the data release id, known limits, the ranking metrics with their scopes, the license and the citation format. Use it before relying on the data, or to answer "how current is this". | None | 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](https://lender.report/request-financing/) 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](https://lender.report/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" ``` | Endpoint | What it returns | | --- | --- | | `/meta` | Coverage, as-of dates, counts, sources, limits, license, listing states and links. Also at /coverage. | | `/comps` | Loan Comps. GET with deal fields as query parameters, or POST them as JSON. A sentence works too, as q. | | `/lenders` | Search by name and filters: q, state, type, flags, min_assets, max_assets, sort, limit, offset | | `/lenders/{id}` | One lender. The id is a slug, lr_ id, or fdic:6653, ncua:21930, rssd:489623, lei:... | | `/lenders/{id}/status` | Whether the lender is operating, merged or closed, with the regulator record and its date | | `/lenders/{id}/activity` | Recorded loans by HMDA and SBA, as counts and medians, with coarsened receipts | | `/lenders/{id}/history` | Book by quarter. Needs a free account or a key. | | `/places` | A city, county, metro or ZIP turned into the place the other endpoints take | | `/markets/{place}` | Who has recorded loans in a state or metro, by lane | | `/rankings/{metric}` | One defined ranking, national or by state | | `/compare` | Two to four lenders side by side | | `/changes` | What the latest filings changed, for the market and each lender. Filter with since and kind. | | `/releases` | Every data release, newest first. /releases/{release_id} is one of them. | | `/health` | Whether the API is up and how old the data is. Never metered. | 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. | Limit | No key | Hosted assistants | Free account | | --- | --- | --- | --- | | Page views a day on Loan Comps, search and compare | 2,000 | 20,000, pooled | 5,000 | 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](https://lender.report/account/). A client that cannot send headers can pass `?key=YOUR_KEY` instead, so treat that address like a password. | Limit | No key | Hosted assistants | Free account | | --- | --- | --- | --- | | Calls a day | 50 | 5,000, pooled | 500 | | Rows a call | 10 | 10 | 25 | | Deepest result | 50 | 50 | 250 | | Rows a day | 300 | 50,000 | 3,000 | | Fields | Snapshot | Snapshot | Snapshot plus 8 quarters of book history | | CSV of your lists | None | None | None | 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/](https://lender.report/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](https://lender.report/llms.txt) is the short map and [/llms-full.txt](https://lender.report/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](https://lender.report/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](https://lender.report/releases/) lists each one, and [what changed](https://lender.report/changes/) 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. | Value | Shown as | What it means | | --- | --- | --- | | `unverified` | Unverified listing | Built from public records. The lender has not reviewed the page. Every lender starts this way, and it says nothing about the lender itself. Claiming is free. | | `claimed` | Claimed | A representative of the lender proved they act for it, with a work email address at the lender's own domain or another accepted proof (a DNS record on that domain, a call to the main number, a signed letter from an officer, or a review of a non-bank's records). They can correct facts. Claiming is free. The lending details have not been confirmed. | | `verified` | Verified (paid) | The lender pays a flat monthly fee for the listing and confirmed its lending details on a stated date. It is not a rating or an opinion of the lender. Paying never changes where a lender appears in search, lists or rankings. | ## 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](https://lender.report/data/). ## 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](https://lender.report/license/) and in the [terms of use](https://lender.report/terms/#api). - Figures are as filed, not audited, and carry no warranty. They are not a rating or advice. See the [methodology](https://lender.report/methodology/). - Other agents and search engines can also read [/llms.txt](https://lender.report/llms.txt) and the crawlable pages. Breaking changes are announced on the [changelog](https://lender.report/changelog/) first. Questions or a bug: [report it](https://lender.report/report/) or [desk@lender.report](mailto:desk@lender.report). --- Page: https://lender.report/data/ Open data # Open lender data Two files, free to use under CC BY 4.0. Credit The Lender Report with a link and keep the source agencies named. It comes from public filings as of June 30, 2026, with HMDA through 2025 and SBA through September 30, 2026. ## Lender identifier crosswalk [lender-crosswalk.csv](https://lender.report/data/lender-crosswalk.csv) has one row for each lender with a page: the 10,906 lenders this site counts, and the 197 depositories with no current call report. Each row has an ID, name, status and the FDIC certificate, NCUA charter, RSSD and LEI numbers, plus the successor when FDIC records show a merger. Use it to tie a lender across regulators. ## Lending totals by state [state-aggregates.csv](https://lender.report/data/state-aggregates.csv) has one row per state or territory: lenders based there, what they hold at June 30, 2026, HMDA multifamily and 1-4 unit investor loans, and SBA 7(a) and 504 loans over 36 months. Aggregates only, never a lender or a loan. ## Other formats Each file is also published as NDJSON, one record a line, with the same rows: [lender-crosswalk.ndjson](https://lender.report/data/lender-crosswalk.ndjson) and [state-aggregates.ndjson](https://lender.report/data/state-aggregates.ndjson). A catalog a dataset search engine or an assistant can read is at [/data/catalog.jsonld](https://lender.report/data/catalog.jsonld). What changed in each release is at [/changes.ndjson](https://lender.report/changes.ndjson). For one lender at a time, with its listing state, use the [API or the MCP server](https://lender.report/developers/). ## What is not here The whole lender-level database and every row-level loan record are not open. Bank balances are what a bank holds, not what it made. SBA figures are approvals, and multifamily counts here include manufactured-home parks; lender pages exclude them. Page last changed November 12, 2026. Sources: FDIC BankFind, FFIEC call reports, NCUA Form 5300, CFPB HMDA and SBA FOIA data. [License terms](https://lender.report/license/). --- Page: https://lender.report/errors/ API and MCP # Errors Every failure has a type, a status and a code a program can branch on, and a sentence a person can read. The REST API answers with application/problem+json; the MCP server returns the same facts as a tool error. By Research desk, The Lender Report · Updated November 8, 2026 ## How an error looks On the REST API the body is a problem document (RFC 9457). The `type` is the address of a page below, so a program can look it up. ``` { "type": "https://lender.report/errors/invalid-parameter/", "title": "A value was not accepted", "status": 400, "detail": "lane must be one of multifamily, investor_1to4, cre_investor, ...", "code": "invalid_parameter", "field": "lane", "accepted": ["multifamily", "investor_1to4", "cre_investor"], "did_you_mean": ["multifamily"] } ``` On the MCP server an input mistake or a limit is a tool error (`isError: true`, HTTP 200), which is how the protocol lets a model correct its own call. The first text block is one plain sentence naming the field and what is accepted. The second is the same facts as compact JSON: `{"error":{"type":"...","status":400,"code":"invalid_parameter","accepted":[...]}}`. ## The types | Type | Status | Title | What to do | | --- | --- | --- | --- | | [invalid-parameter](https://lender.report/errors/invalid-parameter/) | 400 | A value was not accepted | A field was given a value the tool does not take. The answer lists the accepted values and, where one is close, the closest one. Correct the value and send the call again. | | [unknown-field](https://lender.report/errors/unknown-field/) | 400 | A field is not accepted | The call named a field the tool does not have. The answer lists the fields it does have. Remove the field or correct its spelling. | | [sensitive-field](https://lender.report/errors/sensitive-field/) | 400 | A sensitive field was refused | The call carried something this site never takes: a Social Security number, tax ID, credit score, income or revenue figure, account number, or a protected trait. The value is never repeated. Send only the facts of the deal. | | [not-found](https://lender.report/errors/not-found/) | 404 | Not found | The address, lender or place named does not exist here. Search by name first, then use the identifier or the slug that comes back. | | [not-in-coverage](https://lender.report/errors/not-in-coverage/) | 404 | Not in this record | The record does not hold what was asked for. That does not mean it does not exist: the answer names the regulator search to use. | | [ambiguous](https://lender.report/errors/ambiguous/) | 409 | More than one fits | A name fits more than one lender or place. The answer lists the candidates with identifiers. Repeat the call with an identifier, or add a state. | | [daily-limit](https://lender.report/errors/daily-limit/) | 429 | The daily allowance is used | The calls or rows allowed for the day are used. The answer says when the day starts again (midnight UTC) in seconds and as a time. Retry-After carries the seconds. | | [rate-limited](https://lender.report/errors/rate-limited/) | 429 | Too many requests in a few seconds | Requests arrived faster than fair use allows. Wait the seconds given in Retry-After and try again. | | [key-not-recognized](https://lender.report/errors/key-not-recognized/) | 401 | That key was not recognised | The key sent is not on record: it may be mistyped or may have been revoked. Check it, or leave it out to use the no-key limits. | | [needs-account](https://lender.report/errors/needs-account/) | 403 | This needs a free account | The part of the record asked for is not part of no-key access. Sign in, make a key on the account page and send it as a bearer token. | | [unavailable](https://lender.report/errors/unavailable/) | 503 | Temporarily unavailable | The data is not available on this deployment right now. Try again in a minute. | ## Limits and headers A call that is over the day's allowance returns `429` with `Retry-After`, in seconds, and `resets_at`. Every response, successful or not, carries `RateLimit-Policy` and `RateLimit` (`"calls";r=remaining;t=seconds to the reset`), `X-LR-Rows-Remaining` and `X-LR-Data-Version`. The two `RateLimit` headers follow an IETF draft that is not yet a standard, and may change. The same numbers are in the `limits` block of an MCP answer, because an MCP host cannot see headers. The daily numbers are the limits that are enforced; the short-burst courtesy is kept in each server's memory, so do not rely on a number of calls a second. A key that is not on record is a `401` on the REST API and a tool error on the MCP server. Leave the key out to use the no-key limits. Questions or a bug: [report it](https://lender.report/report/) or [desk@lender.report](mailto:desk@lender.report). Back to [the developer docs](https://lender.report/developers/). --- Page: https://lender.report/changes/ 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. | Lender | What changed | | --- | --- | | [Banco Bilbao Vizcaya, S.A.](https://lender.report/lender/banco-bilbao-vizcaya-s-a-ny/) | C&I balance rose 17.9% to $27.6B in the quarter ended June 30, 2026 (FDIC call report). | | [PNC Bank, National Association](https://lender.report/lender/pnc-bank-de/) | Non-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 Association](https://lender.report/lender/sunflower-bank-tx/) | Multifamily 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 Association](https://lender.report/lender/oceanfirst-bank-nj/) | Non-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 Association](https://lender.report/lender/pnc-bank-de/) | Construction 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 Association](https://lender.report/lender/citizens-business-bank-ca/) | Non-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 Association](https://lender.report/lender/pnc-bank-de/) | Multifamily balance rose 10.5% to $15B in the quarter ended June 30, 2026 (FDIC call report). Includes loans from an acquisition. | | [PNC Bank, National Association](https://lender.report/lender/pnc-bank-de/) | Owner-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, PLC](https://lender.report/lender/standard-chartered-bank-plc-ny/) | C&I balance rose 14.4% to $11B in the quarter ended June 30, 2026 (FDIC call report). | | [OceanFirst Bank, National Association](https://lender.report/lender/oceanfirst-bank-nj/) | Multifamily 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 Association](https://lender.report/lender/flagstar-bank-ny/) | C&I balance rose 11.5% to $12.1B in the quarter ended June 30, 2026 (FDIC call report). | | [Associated Bank, National Association](https://lender.report/lender/associated-bank-wi/) | C&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 Association](https://lender.report/lender/citibank-sd/) | Multifamily balance rose 13.8% to $8.3B in the quarter ended June 30, 2026 (FDIC call report). | | [Burke & Herbert Bank & Trust Company](https://lender.report/lender/burke-and-herbert-bank-and-trust-va/) | Non-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 OZK](https://lender.report/lender/bank-ozk-ar/) | C&I balance rose 20.6% to $4.6B in the quarter ended June 30, 2026 (FDIC call report). | | [Synchrony Bank](https://lender.report/lender/synchrony-bank-ut/) | C&I balance rose 43.1% to $2.6B in the quarter ended June 30, 2026 (FDIC call report). | | [Associated Bank, National Association](https://lender.report/lender/associated-bank-wi/) | Non-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 Association](https://lender.report/lender/oceanfirst-bank-nj/) | Owner-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 Union](https://lender.report/lender/america-first-credit-union-ut/) | Owner-occupied CRE balance rose 103.1% to $1.3B in the quarter ended June 30, 2026 (NCUA 5300). | | [BMO Bank National Association](https://lender.report/lender/bmo-bank-il/) | Multifamily balance rose 24.8% to $3.2B in the quarter ended June 30, 2026 (FDIC call report). | | [Citizens Business Bank, National Association](https://lender.report/lender/citizens-business-bank-ca/) | Owner-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 Indiana](https://lender.report/lender/merchants-bank-of-indiana-in/) | Owner-occupied CRE balance rose 333.5% to $746.4M in the quarter ended June 30, 2026 (FDIC call report). | | [Burke & Herbert Bank & Trust Company](https://lender.report/lender/burke-and-herbert-bank-and-trust-va/) | Owner-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 Association](https://lender.report/lender/oceanfirst-bank-nj/) | C&I balance rose 65.6% to $1.4B in the quarter ended June 30, 2026 (FDIC call report). Includes loans from an acquisition. | | [WEX Bank](https://lender.report/lender/wex-bank-ut/) | C&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. | Lender | What changed | | --- | --- | | [First Entertainment Credit Union](https://lender.report/lender/first-entertainment-credit-union-ca/) | Reported $54.8M of C&I loans as of June 30, 2026, up from none the prior quarter. | | [Nave Bank](https://lender.report/lender/nave-bank-pr/) | Reported $19.3M of Construction loans as of June 30, 2026, up from none the prior quarter. | | [CALL Credit Union](https://lender.report/lender/call-credit-union-va/) | Reported $17.6M of Non-owner-occupied CRE loans as of June 30, 2026, up from none the prior quarter. | | [Erebor Bank, N.A.](https://lender.report/lender/erebor-bank-oh/) | Reported $16.8M of C&I loans as of June 30, 2026, up from none the prior quarter. | | [Northpointe Bank](https://lender.report/lender/northpointe-bank-mi/) | Reported $15M of C&I loans as of June 30, 2026, up from none the prior quarter. | | [Bank of Grandin](https://lender.report/lender/bank-of-grandin-mo/) | Reported $13.5M of Non-owner-occupied CRE loans as of June 30, 2026, up from none the prior quarter. | | [Armco Credit Union](https://lender.report/lender/armco-credit-union-pa/) | Reported $10.7M of Construction loans as of June 30, 2026, up from none the prior quarter. | | [BTG Pactual Bank, National Association](https://lender.report/lender/btg-pactual-bank-ny/) | Reported $9.2M of Owner-occupied CRE loans as of June 30, 2026, up from none the prior quarter. | | [Copper State Credit Union](https://lender.report/lender/copper-state-credit-union-az/) | Reported $8.2M of Non-owner-occupied CRE loans as of June 30, 2026, up from none the prior quarter. | | [Five Rivers Bank](https://lender.report/lender/five-rivers-bank-nj/) | Reported $7.3M of Multifamily loans as of June 30, 2026, up from none the prior quarter. | | [Cabrillo Credit Union](https://lender.report/lender/cabrillo-credit-union-ca/) | Reported $6.3M of Owner-occupied CRE loans as of June 30, 2026, up from none the prior quarter. | | [Integrity Bank SSB](https://lender.report/lender/integrity-bank-tx/) | Reported $5.8M of Multifamily loans as of June 30, 2026, up from none the prior quarter. | | [Neighbors Credit Union](https://lender.report/lender/neighbors-credit-union-mo/) | Reported $5.5M of Construction loans as of June 30, 2026, up from none the prior quarter. | | [Fidelis Catholic Credit Union](https://lender.report/lender/fidelis-catholic-credit-union-co/) | Reported $5.1M of Non-owner-occupied CRE loans as of June 30, 2026, up from none the prior quarter. | | [Copper State Credit Union](https://lender.report/lender/copper-state-credit-union-az/) | Reported $4.9M of Multifamily loans as of June 30, 2026, up from none the prior quarter. | | [Filer Credit Union](https://lender.report/lender/filer-credit-union-mi/) | Reported $4.9M of Multifamily loans as of June 30, 2026, up from none the prior quarter. | | [Security Bank Midwest](https://lender.report/lender/security-bank-midwest-sd/) | Reported $4.8M of Non-owner-occupied CRE loans as of June 30, 2026, up from none the prior quarter. | | [Caltech Employees Credit Union](https://lender.report/lender/caltech-employees-credit-union-ca/) | Reported $4.7M of Multifamily loans as of June 30, 2026, up from none the prior quarter. | | [Producers Bank & Trust](https://lender.report/lender/producers-bank-and-trust-ar/) | Reported $4.5M of Multifamily loans as of June 30, 2026, up from none the prior quarter. | | [42 North Private Bank](https://lender.report/lender/42-north-private-bank-ma/) | Reported $4.5M of C&I loans as of June 30, 2026, up from none the prior quarter. | | [Education First Credit Union](https://lender.report/lender/education-first-credit-union-tx/) | Reported $4.1M of Construction loans as of June 30, 2026, up from none the prior quarter. | | [Cabrillo Credit Union](https://lender.report/lender/cabrillo-credit-union-ca/) | Reported $3.8M of Multifamily loans as of June 30, 2026, up from none the prior quarter. | | [TEN Credit Union](https://lender.report/lender/ten-credit-union-tn/) | Reported $3.7M of Non-owner-occupied CRE loans as of June 30, 2026, up from none the prior quarter. | | [Publix Employees Credit Union](https://lender.report/lender/publix-employees-credit-union-fl/) | Reported $3.7M of Construction loans as of June 30, 2026, up from none the prior quarter. | | [ST. Cloud Financial Credit Union](https://lender.report/lender/st-cloud-financial-credit-union-mn/) | Reported $3.6M of Farmland loans as of June 30, 2026, up from none the prior quarter. | | [Liberty Bank of New Jersey](https://lender.report/lender/liberty-bank-of-new-jersey-nj/) | Reported $3M of Multifamily loans as of June 30, 2026, up from none the prior quarter. | | [Independence Bank](https://lender.report/lender/independence-bank-oh/) | Reported $3M of Multifamily loans as of June 30, 2026, up from none the prior quarter. | | [Security Bank Midwest](https://lender.report/lender/security-bank-midwest-sd/) | Reported $2.9M of Multifamily loans as of June 30, 2026, up from none the prior quarter. | | [Tva Community Credit Union](https://lender.report/lender/tva-community-credit-union-al/) | Reported $2.9M of Owner-occupied CRE loans as of June 30, 2026, up from none the prior quarter. | | [Citizens State Bank](https://lender.report/lender/citizens-state-bank-ia-wyoming/) | Reported $2.5M of Multifamily loans as of June 30, 2026, up from none the prior quarter. | | [Generations Community Bank](https://lender.report/lender/generations-community-bank-in/) | Reported $2.5M of Non-owner-occupied CRE loans as of June 30, 2026, up from none the prior quarter. | | [Gold Coast Credit Union](https://lender.report/lender/gold-coast-credit-union-fl/) | Reported $2.5M of Non-owner-occupied CRE loans as of June 30, 2026, up from none the prior quarter. | | [First Community CU of Beloit](https://lender.report/lender/first-community-cu-of-beloit-wi/) | Reported $2.5M of Construction loans as of June 30, 2026, up from none the prior quarter. | | [Community Federal Savings Bank](https://lender.report/lender/community-federal-savings-bank-ny/) | Reported $2.4M of Construction loans as of June 30, 2026, up from none the prior quarter. | | [Fifth District Savings Bank](https://lender.report/lender/fifth-district-savings-bank-la/) | Reported $2.4M of Multifamily loans as of June 30, 2026, up from none the prior quarter. | | [Security State Bank](https://lender.report/lender/security-state-bank-sd-alexandria/) | Reported $2.2M of Owner-occupied CRE loans as of June 30, 2026, up from none the prior quarter. | | [Gateway Bank, F.S.B.](https://lender.report/lender/gateway-bank-f-s-b-ca/) | Reported $2.1M of Construction loans as of June 30, 2026, up from none the prior quarter. | | [Tremont Credit Union](https://lender.report/lender/tremont-credit-union-ma/) | Reported $2M of Construction loans as of June 30, 2026, up from none the prior quarter. | | [Central Bank of Kansas City](https://lender.report/lender/central-bank-of-kansas-city-mo/) | Reported $2M of Farmland loans as of June 30, 2026, up from none the prior quarter. | | [First Pacific Bank](https://lender.report/lender/first-pacific-bank-ca/) | Reported $1.8M of Farmland loans as of June 30, 2026, up from none the prior quarter. | ## Multifamily lending increases HMDA originations, 2025 versus 2024. | Lender | What changed | | --- | --- | | [JPMorgan Chase Bank, National Association](https://lender.report/lender/jpmorgan-chase-bank-oh/) | Originated 3,873 multifamily loans in 2025, versus 2,205 in 2024 (HMDA). | | [RF Renovo Management Company, LLC](https://lender.report/lender/rf-renovo-management-il/) | Originated 798 multifamily loans in 2025, versus 572 in 2024 (HMDA). | | [Berkadia Commercial Mortgage](https://lender.report/lender/berkadia-commercial-mortgage-pa/) | Originated 752 multifamily loans in 2025, versus 532 in 2024 (HMDA). | | [Citizens Bank, National Association](https://lender.report/lender/citizens-bank-ri/) | Originated 222 multifamily loans in 2025, versus 66 in 2024 (HMDA). | | [Conventus Lending LLC](https://lender.report/lender/conventus-lending-ca/) | Originated 225 multifamily loans in 2025, versus 88 in 2024 (HMDA). | | [U.S. Bank National Association](https://lender.report/lender/u-s-bank-oh/) | Originated 500 multifamily loans in 2025, versus 364 in 2024 (HMDA). | | [Lendsure Mortgage Corp.](https://lender.report/lender/lendsure-mortgage-ca/) | Originated 139 multifamily loans in 2025, versus 4 in 2024 (HMDA). | | [Velocity Commercial Capital LLC](https://lender.report/lender/velocity-commercial-capital-ca/) | Originated 330 multifamily loans in 2025, versus 225 in 2024 (HMDA). | | [Wells Fargo Bank, National Association](https://lender.report/lender/wells-fargo-bank-sd/) | Originated 340 multifamily loans in 2025, versus 239 in 2024 (HMDA). | | [PGIM Real Estate Agency Financing, LLC](https://lender.report/lender/pgim-real-estate-agency-financing-tx/) | Originated 271 multifamily loans in 2025, versus 177 in 2024 (HMDA). | | [National Cooperative Bank, N.A.](https://lender.report/lender/national-cooperative-bank-oh/) | Originated 203 multifamily loans in 2025, versus 111 in 2024 (HMDA). | | [Bellwether Enterprise Real Estate Capital, LLC](https://lender.report/lender/bellwether-enterprise-real-estate-capital-oh/) | Originated 236 multifamily loans in 2025, versus 150 in 2024 (HMDA). | | [Old National Bank](https://lender.report/lender/old-national-bank-in/) | Originated 266 multifamily loans in 2025, versus 188 in 2024 (HMDA). | | [A&D Mortgage LLC](https://lender.report/lender/a-and-d-mortgage-fl/) | Originated 107 multifamily loans in 2025, versus 35 in 2024 (HMDA). | | [BPL Mortgage, LLC](https://lender.report/lender/bpl-mortgage-il/) | Originated 115 multifamily loans in 2025, versus 46 in 2024 (HMDA). | | [East West Bank](https://lender.report/lender/east-west-bank-ca/) | Originated 143 multifamily loans in 2025, versus 75 in 2024 (HMDA). | | [Columbia Bank](https://lender.report/lender/columbia-bank-nj/) | Originated 83 multifamily loans in 2025, versus 18 in 2024 (HMDA). | | [The Golden 1 Credit Union](https://lender.report/lender/golden-1-credit-union-ca/) | Originated 114 multifamily loans in 2025, versus 50 in 2024 (HMDA). | | [Manufacturers and Traders Trust Company](https://lender.report/lender/manufacturers-and-traders-trust-ny/) | Originated 90 multifamily loans in 2025, versus 30 in 2024 (HMDA). | | [Cadence Bank](https://lender.report/lender/cadence-bank-ms/) | Originated 177 multifamily loans in 2025, versus 119 in 2024 (HMDA). | | [Genesis Capital, LLC](https://lender.report/lender/genesis-capital-ca/) | Originated 127 multifamily loans in 2025, versus 70 in 2024 (HMDA). | | [Exchange Bank](https://lender.report/lender/exchange-bank-ne/) | Originated 124 multifamily loans in 2025, versus 68 in 2024 (HMDA). | | [Provident Bank](https://lender.report/lender/provident-bank-nj/) | Originated 105 multifamily loans in 2025, versus 50 in 2024 (HMDA). | | [Renasant Bank](https://lender.report/lender/renasant-bank-ms/) | Originated 109 multifamily loans in 2025, versus 55 in 2024 (HMDA). | | [Ocmbc, Inc.](https://lender.report/lender/ocmbc-ca/) | 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. | Lender | What changed | | --- | --- | | [Newtek Bank, National Association](https://lender.report/lender/newtek-bank-fl/) | Recorded 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 Association](https://lender.report/lender/smartbiz-bank-il/) | Recorded 919 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 320 in the prior 12 months (SBA). | | [WaFd Bank](https://lender.report/lender/wafd-bank-wa/) | Recorded 208 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 52 in the prior 12 months (SBA). | | [US Metro Bank](https://lender.report/lender/us-metro-bank-ca/) | Recorded 253 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 124 in the prior 12 months (SBA). | | [Pathward, National Association](https://lender.report/lender/pathward-sd/) | Recorded 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 Company](https://lender.report/lender/first-citizens-bank-and-trust-nc/) | Recorded 186 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 114 in the prior 12 months (SBA). | | [Climate First Bank](https://lender.report/lender/climate-first-bank-fl/) | Recorded 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 Development](https://lender.report/lender/accion-opportunity-fund-community-development-ca/) | Recorded 81 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 19 in the prior 12 months (SBA). | | [FirstBank Puerto Rico](https://lender.report/lender/firstbank-puerto-rico-pr/) | Recorded 95 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 43 in the prior 12 months (SBA). | | [VelocitySBA, LLC](https://lender.report/lender/velocitysba-tx/) | Recorded 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, FSB](https://lender.report/lender/wilmington-savings-fund-society-de/) | Recorded 167 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 124 in the prior 12 months (SBA). | | [Bankwell Bank](https://lender.report/lender/bankwell-bank-ct/) | Recorded 101 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 62 in the prior 12 months (SBA). | | [Summit Credit Union](https://lender.report/lender/summit-credit-union-wi/) | Recorded 47 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 12 in the prior 12 months (SBA). | | [Quill Bank](https://lender.report/lender/quill-bank-ut/) | Recorded 73 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 39 in the prior 12 months (SBA). | | [Capital Bank, National Association](https://lender.report/lender/capital-bank-md/) | Recorded 79 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 46 in the prior 12 months (SBA). | | [RiverBank](https://lender.report/lender/riverbank-wa/) | Recorded 59 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 26 in the prior 12 months (SBA). | | [Open Bank](https://lender.report/lender/open-bank-ca/) | Recorded 145 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 113 in the prior 12 months (SBA). | | [LiftFund, Inc.](https://lender.report/lender/liftfund-tx/) | 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 California](https://lender.report/lender/commercial-bank-of-california-ca/) | Recorded 56 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 29 in the prior 12 months (SBA). | | [Happen Bank, National Association](https://lender.report/lender/happen-bank-ut/) | Recorded 51 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 25 in the prior 12 months (SBA). | | [Mountain America Credit Union](https://lender.report/lender/mountain-america-credit-union-ut/) | Recorded 57 SBA 504 first-lien projects in the 12 months to September 30, 2026, versus 32 in the prior 12 months (SBA). | | [VeraBank, National Association](https://lender.report/lender/verabank-tx/) | Recorded 26 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 1 in the prior 12 months (SBA). | | [First Horizon Bank](https://lender.report/lender/first-horizon-bank-tn/) | Recorded 45 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 21 in the prior 12 months (SBA). | | [EverBank, National Association](https://lender.report/lender/everbank-fl/) | Recorded 67 SBA 504 first-lien projects in the 12 months to September 30, 2026, versus 43 in the prior 12 months (SBA). | | [Lexicon Bank](https://lender.report/lender/lexicon-bank-nv/) | Recorded 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. | Lender | What changed | | --- | --- | | [Northern Credit Union](https://lender.report/lender/northern-credit-union-ny/) | Filed its first call report in this data for the quarter ended June 30, 2026. | | [Velocity Community Credit Union](https://lender.report/lender/velocity-community-credit-union-fl/) | Filed its first call report in this data for the quarter ended June 30, 2026. | | [Alpine Credit Union](https://lender.report/lender/alpine-credit-union-ut/) | Filed its first call report in this data for the quarter ended June 30, 2026. | | [Echelon Bank](https://lender.report/lender/echelon-bank-fl/) | Filed its first call report in this data for the quarter ended June 30, 2026. | | [Portrait Bank](https://lender.report/lender/portrait-bank-fl/) | Filed its first call report in this data for the quarter ended June 30, 2026. | | [Cornerstone Community Bank](https://lender.report/lender/cornerstone-community-bank-ky/) | Filed its first call report in this data for the quarter ended June 30, 2026. | | [Houston Bank & Trust](https://lender.report/lender/houston-bank-and-trust-tx/) | Filed its first call report in this data for the quarter ended June 30, 2026. | | [Erie County Employees Credit Union](https://lender.report/lender/erie-county-employees-credit-union-ny/) | Filed 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. | Lender | What changed | | --- | --- | | Banner Banks | Filed 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 Bank | Filed 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 Company | Filed a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into BTC Bank. | | Field & Main Bank | Filed 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 Bank | Filed a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into Midwest Heritage Bank, FSB. | | Linkbank | Filed 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 Cando | Filed 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 Wyoming | Filed a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into First Resource Bank. | | Butte State Bank | Filed a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into The Tri-County Bank. | | Morris Bank | Filed a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into Vallant Bank. | | FirstBank | Filed 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 Bank | Filed 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 Association | Filed a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into BTC Bank. | | Oklahoma Heritage Bank | Filed a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into Chickasaw Community Bank. | | Community Bank | Filed a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into High Plains Bank. | | Flint Hills Bank | Filed 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 Bank | Filed 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 Hugo | Filed a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into High Plains Bank. | | Bank of Houston | Filed a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into City Bank. | | New Foundation Savings Bank | Filed 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 Commerce | Filed 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 & Trust | Filed a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into Community Bank, National Association. | | Conway Bank | Filed 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 Bank | Filed a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into Centennial Bank. | | Two Rivers Bank & Trust | Filed 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 Bank | Filed a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into Eagle Rock Bank. | | Flushing Bank | Filed 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 Bank | Filed a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into QNB Bank. | | First Foundation Bank | Filed a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into Sunflower Bank, National Association. | | Tandem Bank | Filed 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 Coxsackie | Filed 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 Wells | Filed 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 Company | Filed a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into Merchants & Marine Bank. | | Home State Bank | Filed a call report for March 31, 2026 but none for June 30, 2026. FDIC records show it merged into West Iowa Bank. | | Kearney Trust Company | Filed 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](https://lender.report/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](https://lender.report/report/) 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. --- Page: https://lender.report/releases/ Changes # Data releases A release is one build of the record, as it was published. Every API and MCP answer carries the id of the release it was computed from, so a figure can be cited to a version and a copy can be kept current. By Research desk, The Lender Report · Updated November 8, 2026 | Release | Published | Filing period | What it holds | | --- | --- | --- | --- | | [2026-11-12.1](https://lender.report/releases/2026-11-12.1/) | November 12, 2026 | June 30, 2026 | Data rebuilt from FDIC call reports as of 2026-06-30, NCUA 5300 filings as of 2026-06-30, HMDA through 2025 and SBA files through 2026-09-30. FDIC structure history pulled 2026-11-09. | FDIC and NCUA call reports for September 30, 2026: not yet published. The same log is machine-readable at [/releases.json](https://lender.report/releases.json). Every change, one to a line, is at [/changes.ndjson](https://lender.report/changes.ndjson); follow by [JSON Feed](https://lender.report/feed.json) or [RSS](https://lender.report/rss.xml). --- Page: https://lender.report/changelog/ Changelog # Changelog Every data refresh, every correction to how filings are read, and every new feature, newest first. Changes to individual lenders, filing by filing, are on the changes page. - November 8, 2026 Product Preview opened This site opened in preview, on a private host with no indexing: a page for each lender that appears in the filings it reads, Loan Comps, the screener, side by side compare, a free API and MCP server, the claim flow for lenders, and saved lists for brokers. Email and billing are off until the site goes live. - November 8, 2026 Data First data build First build of the lender record from FDIC call reports and NCUA 5300 filings as of June 30, 2026, HMDA multifamily and investor files through 2025, and SBA 7(a) and 504 files through September 30, 2026. Every source and its pull date are on the sources page. This build covers 10,906 lenders, built 2026-11-12. Another 197 depositories with no current call report keep their pages for the record. Follow by [RSS](https://lender.report/rss.xml). Machine-readable lender changes are at [/changes.json](https://lender.report/changes.json) and through the [API](https://lender.report/developers/). --- Page: https://lender.report/comps/ # Who has made a loan like this? ## What we don't know - Whether any of these lenders is taking new loans today. - Their minimum coverage, maximum leverage, recourse and fees, unless they have told us. - Whether they take brokers, beyond what the public record shows. - Anything about your borrower. This is not a quote, a rate offer or a prediction of approval. Describe a deal and read who has actually closed loans like it: the lender, the loans, the source and the date. Or start from a real one: - [$2.4M multifamily refinance in Ohio](https://lender.report/comps/?amount=2400000&lane=multifamily&purpose=refinance&state=OH) - [$900K SBA 7(a) for a car wash in Florida](https://lender.report/comps/?amount=900000&lane=sba_7a&type=811192&state=FL) - [$750K farm loan in Nebraska](https://lender.report/comps/?amount=750000&lane=farmland&state=NE) - [$5M construction loan in Bergen County, New Jersey](https://lender.report/comps/?amount=5000000&lane=construction&state=NJ&county=Bergen+County) - [$400K rental home loan in Dayton, Ohio](https://lender.report/comps/?amount=400000&lane=investor_1to4&state=OH&place=Dayton) 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](https://lender.report/report/) 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. --- Page: https://lender.report/search/ # Search the lenders on record 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](https://lender.report/report/) 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. --- Page: https://lender.report/compare/ # Compare lenders 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](https://lender.report/report/) 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. --- Page: https://lender.report/rankings/ Rankings # Lender rankings Each list is one published measure for one period, largest first. Each says how it is computed and where the figures come from, and has a JSON version. None is a rating, none is for sale, and none ranks a lender by bad news. **Data as of** June 30, 2026 **Page last changed** November 9, 2026 - JPMorgan Chase Bank, National Association has the largest figure on multifamily lenders by loans closed in 2025, at 3,873. HMDA, 2025 - Wells Fargo Bank, National Association has the largest figure on multifamily lenders by dollars closed in 2025, at $20.9B. HMDA, 2025 - JPMorgan Chase Bank, National Association has the largest figure on lenders by multifamily loans held, at $107.3B (June 30, 2026). FDIC call report, Jun 30, 2026 - JPMorgan Chase Bank, National Association has the largest figure on lenders by construction and land loans held, at $18.8B (June 30, 2026). FDIC call report, Jun 30, 2026 - Wells Fargo Bank, National Association has the largest figure on lenders by non-owner-occupied commercial real estate loans held, at $64.8B (June 30, 2026). FDIC call report, Jun 30, 2026 - Bank of America, National Association has the largest figure on lenders by owner-occupied commercial real estate loans held, at $24.7B (June 30, 2026). FDIC call report, Jun 30, 2026 Cite this Source: The Lender Report, Lender rankings, https://lender.report/rankings/, data as of June 30, 2026. | Ranking | Measure | Period | Data | | --- | --- | --- | --- | | [SBA 7(a) lenders by loans in the last 36 months](https://lender.report/rankings/sba-7a-lenders-by-loans/) | SBA 7(a) approvals in the 36 months ending September 30, 2026, net of cancelled approvals | Oct 2023 to Sep 2026 | [JSON](https://lender.report/rankings/sba-7a-lenders-by-loans.json) | | [SBA 7(a) lenders by dollars in the last 36 months](https://lender.report/rankings/sba-7a-lenders-by-dollars/) | SBA 7(a) dollars in the 36 months ending September 30, 2026, net of cancelled approvals | Oct 2023 to Sep 2026 | [JSON](https://lender.report/rankings/sba-7a-lenders-by-dollars.json) | | [SBA 504 first-lien lenders by projects in the last 36 months](https://lender.report/rankings/sba-504-lenders-by-projects/) | SBA 504 projects where the lender held the first lien, 36 months ending September 30, 2026, net of cancelled | Oct 2023 to Sep 2026 | [JSON](https://lender.report/rankings/sba-504-lenders-by-projects.json) | | [Certified Development Companies by SBA 504 projects](https://lender.report/rankings/sba-504-cdcs-by-projects/) | SBA 504 projects named to a Certified Development Company, 36 months ending September 30, 2026, net of cancelled | Oct 2023 to Sep 2026 | [JSON](https://lender.report/rankings/sba-504-cdcs-by-projects.json) | | Ranking | Measure | Period | Data | | --- | --- | --- | --- | | [Multifamily lenders by loans closed in 2025](https://lender.report/rankings/multifamily-lenders-by-loans/) | Multifamily loans (5 or more units) closed in calendar 2025, manufactured-home parks excluded | 2025 | [JSON](https://lender.report/rankings/multifamily-lenders-by-loans.json) | | [Multifamily lenders by dollars closed in 2025](https://lender.report/rankings/multifamily-lenders-by-dollars/) | Dollars of multifamily loans closed in 2025, manufactured-home parks excluded | 2025 | [JSON](https://lender.report/rankings/multifamily-lenders-by-dollars.json) | | [Lenders by 1-4 unit investor or business-purpose loans in 2025](https://lender.report/rankings/one-to-four-investor-lenders-by-loans/) | 1-4 unit non-owner-occupied or business-purpose loans closed in 2025 | 2025 | [JSON](https://lender.report/rankings/one-to-four-investor-lenders-by-loans.json) | | Ranking | Measure | Period | Data | | --- | --- | --- | --- | | [Credit unions by real-estate-secured commercial loans made](https://lender.report/rankings/credit-union-commercial-loans-made/) | Real-estate-secured commercial loans made in the first half of 2026, as reported on NCUA Form 5300 | January to June 2026 | [JSON](https://lender.report/rankings/credit-union-commercial-loans-made.json) | | [Credit unions by multifamily loans made](https://lender.report/rankings/credit-union-multifamily-loans-made/) | Multifamily loans made in the first half of 2026, as reported on NCUA Form 5300 | January to June 2026 | [JSON](https://lender.report/rankings/credit-union-multifamily-loans-made.json) | | [Credit unions by non-owner-occupied commercial real estate loans made](https://lender.report/rankings/credit-union-investor-cre-loans-made/) | Non-owner-occupied commercial real estate loans made in the first half of 2026, as reported on NCUA Form 5300 | January to June 2026 | [JSON](https://lender.report/rankings/credit-union-investor-cre-loans-made.json) | | [Credit unions by owner-occupied commercial real estate loans made](https://lender.report/rankings/credit-union-owner-occupied-cre-loans-made/) | Owner-occupied commercial real estate loans made in the first half of 2026, as reported on NCUA Form 5300 | January to June 2026 | [JSON](https://lender.report/rankings/credit-union-owner-occupied-cre-loans-made.json) | | [Credit unions by construction and land loans made](https://lender.report/rankings/credit-union-construction-loans-made/) | Construction and land loans made in the first half of 2026, as reported on NCUA Form 5300 | January to June 2026 | [JSON](https://lender.report/rankings/credit-union-construction-loans-made.json) | | [Credit unions by commercial and industrial loans made](https://lender.report/rankings/credit-union-business-loans-made/) | Commercial and industrial loans made in the first half of 2026, as reported on NCUA Form 5300 | January to June 2026 | [JSON](https://lender.report/rankings/credit-union-business-loans-made.json) | | Ranking | Measure | Period | Data | | --- | --- | --- | --- | | [Lenders on record by CMBS loans they originated](https://lender.report/rankings/cmbs-originators-on-record/) | Commercial mortgage loans in CMBS pools whose SEC loan record names the lender as an originator, since July 1, 2025 | July 2025 to date | [JSON](https://lender.report/rankings/cmbs-originators-on-record.json) | | Ranking | Measure | Period | Data | | --- | --- | --- | --- | | [Lenders by multifamily loans held](https://lender.report/rankings/multifamily-books/) | Multifamily loans held on the balance sheet | June 30, 2026 | [JSON](https://lender.report/rankings/multifamily-books.json) | | [Lenders by construction and land loans held](https://lender.report/rankings/construction-books/) | Construction and land development loans held on the balance sheet | June 30, 2026 | [JSON](https://lender.report/rankings/construction-books.json) | | [Lenders by non-owner-occupied commercial real estate loans held](https://lender.report/rankings/investor-cre-books/) | Non-owner-occupied commercial real estate loans held on the balance sheet | June 30, 2026 | [JSON](https://lender.report/rankings/investor-cre-books.json) | | [Lenders by owner-occupied commercial real estate loans held](https://lender.report/rankings/owner-occupied-cre-books/) | Owner-occupied commercial real estate loans held on the balance sheet | June 30, 2026 | [JSON](https://lender.report/rankings/owner-occupied-cre-books.json) | | [Lenders by commercial and industrial loans held](https://lender.report/rankings/business-loan-books/) | Commercial and industrial loans held on the balance sheet | June 30, 2026 | [JSON](https://lender.report/rankings/business-loan-books.json) | | [Lenders by farmland loans held](https://lender.report/rankings/farmland-books/) | Farmland loans held on the balance sheet | June 30, 2026 | [JSON](https://lender.report/rankings/farmland-books.json) | ## Ranked place by place Each of these pages ranks the lenders that made the loans in one state or one kind of business, with the same definition block and a JSON version. ## What every list states, and what none sells Every list gives its measure, its period, its formula, its order, its as-of date and a link to its source, with a changelog line and a citation you can copy. The order is the formula and nothing else: no lender can pay to be ranked, to be moved, or to be left off. A list says "largest" or "most" of a measure and passes no judgment. It never ranks a lender by a bad-news measure or by how concentrated its book is. Machine versions: [the list of lists](https://lender.report/rankings/index.json), then one JSON file per list. Is your institution on a list? [Show your rank](https://lender.report/for-lenders/badge/). The image carries the date and links back to the list, and it is free. [How we make money](https://lender.report/how-we-make-money/) says what is sold, and a rank is not. 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](https://lender.report/report/) 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. --- Page: https://lender.report/for-borrowers/ # Find out who lends to businesses like yours This site shows, from public records, which lenders have made loans like the one you need. The search asks for no name, no email and none of your numbers. ## Three questions Is the loan for a building instead of a business? [A bank said no?](https://lender.report/when-a-bank-says-no/) What to do next, and who can help you for free. ## What this is A free record of who actually lends on what in America, built from government filings. It answers one question: has this lender made a loan like the one I need? For example, from Oct 2023 through Sep 2026, 170 lenders made 590 SBA 7(a) loans to car washes. A typical one was $470,000. Then you contact the lender yourself. A lender's page shows its website, and its main phone number where the public record or the lender's own site gives one. Where we have no number, the page says so. The search has nothing to fill out. ## How to read a result ****Done this**** Public records show this lender has made two or more loans like yours. ****Done one like it**** It made one, or made loans close to yours. ****Holds this kind of loan**** It has an office near you and a book of this kind of loan, but no public record of individual loans. Beside each result are five words, Kind, Size, Purpose, Place and Recent, with a dot beside each. A filled dot means a recorded loan shows it. A half dot means something else suggests it. An empty dot means nothing public tells us. ## What we cannot tell you - Whether any of these lenders is taking new loans today. - Their minimum coverage, maximum leverage, recourse and fees, unless they have told us. - Whether they take brokers, beyond what the public record shows. - Anything about your borrower. This is not a quote, a rate offer or a prediction of approval. Only a lender can tell you whether it will lend to you, and on what terms. ## What it costs you Nothing. Borrowers are never charged anything here, and we are not paid when you call a lender. ## Before you call Have the basics ready: what the loan is for, about how much you need, and what you are buying or fixing. A lender will ask for more than this, and it should ask you directly, not through this site. Legitimate lenders here will not ask you to pay through this site. Check your own numbers first. These run in your browser and send nothing anywhere. - [SBA 7(a) payment calculator](https://lender.report/tools/sba-7a-payment-calculator/) - [What to do after a bank says no to a business loan](https://lender.report/guides/what-to-do-after-a-bank-says-no/) - [SBA 7(a) loan package checklist](https://lender.report/guides/package-checklist-sba-7a/) - [SBA 7(a) or 504: which fits your loan](https://lender.report/guides/sba-7a-or-504-which-fits/) - [How to read SBA 7(a) and 504 loan data](https://lender.report/guides/how-to-read-sba-loan-data/) SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site. ## Would you like a person to write back? You can do every search on this site yourself, free, without giving a name. If you would like a reply from a person instead, send one short form. It is for business loans and loans on commercial or investment real estate only, and it costs nothing. [Request financing](https://lender.report/request-financing/?from=borrowers) Who receives this: JPro Labs LLC, the company that operates The Lender Report. JPro Labs LLC is affiliated with Janover Capital, a commercial real estate financing business. Your request is not sent to any lender, or to anyone else, unless you later ask us to send it. ## Who runs this We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan. [How we make money](https://lender.report/how-we-make-money/) --- Page: https://lender.report/for-brokers/ For brokers # Free lender search, built from who actually made the loans Describe the deal and see who has made loans like it, with the recorded loans to prove it. No credits, no seat fee to read a lender's page, and no login to search. [Open the screener](https://lender.report/search/) ## What you can do for free - **Loan Comps.** Who has done loans like this one, grouped by kind of lender, in a published order, with the evidence on every row. - **The Receipts.** Tap a lender and read its recorded loans, line by line: 258,919 recorded loans, from HMDA multifamily records for 2024 and 2025 and SBA 7(a) and 504 loans through Sep 2026. [What is counted](https://lender.report/methodology/#coverage). - **The screener.** Every filter, across all 10,906 lenders, with the URL carrying the whole search so you can send it to a colleague. - **Lender pages.** What each of 10,906 lenders holds, where it has offices, and what it has made, with source and date beside every figure. - **Compare.** Two to four lenders side by side, from the URL. - **A shortlist and a one-page sheet.** Pick the lenders you want on any result, then compare them, save them as a list, or make one page to take to a banker: the deal as you typed it, each lender's public facts and how to reach it. It is made in your browser and sent nowhere. ## What a free account adds 3 lists of up to 25 lenders, with a status on each, 3 alerts, and the data as fresh as the last filing. You sign in with an emailed code. Notes you write on a lender stay in your browser and are not sent to us. [Create a free account](https://lender.report/signin/?next=/lists/) ## What the evidence is, and what it is not Banks report balances, not loans made. Together, banks and credit unions hold $3.40T of commercial real estate loans as of June 30, 2026, and a balance sheet cannot say when any of it was made, so we never call a balance a loan made. Loans made come from three public sources: 43,226 multifamily loans in 2025 HMDA, SBA 7(a) and 504 loans made from Oct 2023 through Sep 2026, and the loans credit unions report making. Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans. ### What we do not know - Whether any of these lenders is taking new loans today. - Their minimum coverage, maximum leverage, recourse and fees, unless they have told us. - Whether they take brokers, beyond what the public record shows. - Anything about your borrower. This is not a quote, a rate offer or a prediction of approval. SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site. ## What it costs a broker Nothing. Brokers and borrowers never pay this site, and it takes no fee from a loan. Lenders pay flat fees for a Verified (paid) listing, advertising and reports, and that never changes the order of results. [How we make money](https://lender.report/how-we-make-money/). There is no paid contact list here. Lender contact details appear when a verified representative of the lender adds them, and they never appear in a bulk export. ## You reach lenders directly A lender's page links to its own website, and shows its main phone number where the public record or the lender's own site gives one. Where we have none, the page says so and points you to the lender's website. When a lender has added a named contact, you get that too. You call or write from your own phone and mailbox, so your messages never touch our servers, and we earn nothing when you do. ## Tools and guides for a deal Free, and they run in your browser: nothing you type is sent or kept. - [DSCR calculator](https://lender.report/tools/dscr-calculator/) - [Maximum loan calculator](https://lender.report/tools/maximum-loan-calculator/) - [SBA 7(a) payment calculator](https://lender.report/tools/sba-7a-payment-calculator/) - [Deal summary builder](https://lender.report/tools/deal-summary-builder/) - [SBA 7(a) loan package checklist](https://lender.report/guides/package-checklist-sba-7a/) - [SBA 7(a) or 504: which fits your loan](https://lender.report/guides/sba-7a-or-504-which-fits/) - [How to read SBA 7(a) and 504 loan data](https://lender.report/guides/how-to-read-sba-loan-data/) More in [the tools](https://lender.report/tools/) and [the guides](https://lender.report/guides/). ## Bring it into your own tools The same data is available through a [free API and a remote MCP server](https://lender.report/developers/), so you can ask Claude, ChatGPT or Cursor who has done a loan like yours and get an answer with sources. [Run Loan Comps](https://lender.report/comps/) [Create a free account](https://lender.report/signin/?next=/lists/) --- Page: https://lender.report/for-advisors/ For advisors # A client you cannot place yourself If you counsel business owners, keep their books, or are the banker who has to say no, you can hand the client a list of lenders that have made loans like theirs. It comes from public records. Nothing is asked of you or of them. ## Make a link or a list for a client Answer three or four questions about the loan. You get a link to send, and the list itself, which prints as one clean page of lenders and the numbers to call. ### Links for this loan The link carries the loan and nothing else. Press the form button above to open the list, then use Print this list at the bottom of it. ## What the list is Lenders that public records show have made loans like your client's, in your client's state: SBA loans for a business, and loans on apartments and rental homes. Each has the number for the lender's main line where one is on record. The loans behind each lender are one tap away. It is a record of loans already made. It is not a referral, a recommendation or a promise that any lender will say yes, and it does not rank anyone by how well they would suit the client. The order is the published one, the same for every reader. ## What we do not do - The link builder and the list take no names, no email addresses and no numbers that belong to a person, from you or the client. - We do not contact a lender or send anything for you. You or the client calls. - We are not paid when a client calls, and no lender pays to be on the list. [How we make money](https://lender.report/how-we-make-money/) ## Useful in the room These run in the browser and send nothing anywhere. - [SBA 7(a) payment calculator](https://lender.report/tools/sba-7a-payment-calculator/) - [DSCR calculator](https://lender.report/tools/dscr-calculator/) - [Deal summary builder](https://lender.report/tools/deal-summary-builder/) - [What to do after a bank says no to a business loan](https://lender.report/guides/what-to-do-after-a-bank-says-no/) - [SBA 7(a) loan package checklist](https://lender.report/guides/package-checklist-sba-7a/) - [SBA 7(a) or 504: which fits your loan](https://lender.report/guides/sba-7a-or-504-which-fits/) - [How to read SBA 7(a) and 504 loan data](https://lender.report/guides/how-to-read-sba-loan-data/) ## If the client would like a person to write back The client can send one short form about a business loan or a loan on investment property. A person replies by email, usually naming lenders in the public record that have made loans like it. It costs the client nothing. It is not for a home the client lives in. [Request financing](https://lender.report/request-financing/?from=advisors) Who receives this: JPro Labs LLC, the company that operates The Lender Report. JPro Labs LLC is affiliated with Janover Capital, a commercial real estate financing business. Your request is not sent to any lender, or to anyone else, unless you later ask us to send it. [What a client can do after a no](https://lender.report/when-a-bank-says-no/) --- Page: https://lender.report/for-lenders/ For lenders # Your institution already has a page here. Claim it, free. We built a page for every US bank and credit union that files a call report, and for the non-bank lenders named in public loan files. Find yours to see what it shows and what only you can add. Claiming is free. Verified (paid) is $99 to $449 a month by size, $149 for any non-bank. [Pricing](https://lender.report/pricing/) [Claim this page, free](https://lender.report/claim/?from=forlenders) It takes a work email at your own domain and a code we send to it. Claiming is free and stays free. ## On your page now [See your page as visitors do](https://lender.report/lenders/) ## What only you can add - **Free when you claim:** correct a fact, say what you lend on in your own words, and see your report. - **With Verified (paid):** named loan officers with direct lines, messages from your page to your inbox, and lending details you confirm, with the date. [Find and claim your page, free](https://lender.report/claim/?from=forlenders) ## What it costs **Claimed** Free **Verified (paid)** $99 to $449 a month, by size; non-banks $149 **Growth, Enterprise** Talk to us [Your exact price](https://lender.report/pricing/) **Paying never changes where a lender appears in search, lists or rankings.** Verified is a paid listing. Order is not affected by payment. [How we make money](https://lender.report/how-we-make-money/) ## How it works - 1 Your page exists It is built from regulator filings and public loan files, with the source and date beside every figure. It stays up, unchanged, whether you claim it or not. [See an example page](https://lender.report/for-lenders/example/) - 2 Claim it, free Prove a work email at your own domain with a code. Then correct a fact, add a short statement about what you lend on, and see how your page is used. [Claim your page, free](https://lender.report/claim/?from=forlenders) - 3 Get Verified A flat monthly fee, set by your size. Confirm your lending details, list your loan officers with their consent, and receive messages from your page. The label reads "Verified (paid)". [From $99 a month. See pricing](https://lender.report/pricing/) ## What each listing gets Every lender starts as an Unverified listing, which says nothing about the lender itself. [See one bank's page in all three states](https://lender.report/for-lenders/example/). | What you get | Unverified listing | Claimed (free) | Verified (paid) | | --- | --- | --- | --- | | Every public figure, each with its source and date | Yes | Yes | Yes | | Your main public phone and website | When a public source has them | Yes | Yes | | Corrections, with evidence | Free for everyone | Free | Free | | Your report: page views, total search appearances and reads by AI assistants | No | Yes | Yes, plus searches you appeared in by market and a monthly email | | Your own words about what you lend on | No | A short statement (280 characters) | A full description, credit box, dated rates and your logo | | Named loan officers with direct contact details | No | No | Up to 5, each with that person's consent | | Messages from your page, to an inbox you choose | No | No | Yes | | People who can manage the page | No | 2 | 3 | | Where you appear in search and lists | Set by the public data | Set by the public data | Set by the public data. Paying never changes it | | Price | Free | Free | From $99 a month, set by your size. [See every price](https://lender.report/pricing/) | [Join the Verified waitlist](https://lender.report/waitlist/?product=verified) [Every price and what it includes](https://lender.report/pricing/) Verified is not on sale yet: it opens from a waitlist, and joining charges nothing. Growth and Enterprise, for the largest lenders and several charters, are priced with you. Ads are sold separately, by whole state today, with county and metro areas to follow: [advertise](https://lender.report/advertise/). ## Counted from the public record - **10,906** lenders on record, each with a page - **258,919** recorded loans from HMDA and SBA files, each with its source and date - **3,229** pages with no phone number, because the files we read hold none. Only the lender can add one. Counted from the lender records in this build: call reports as of June 30, 2026, HMDA for 2025, SBA loans through September 30, 2026. [What each count means](https://lender.report/methodology/#coverage). ### What your report shows, once you claim - Views of your page, and reads of your record by AI assistants and the API. - How your public figures compare with lenders of your kind in your state. - The number of searches your institution appeared in. With Verified: that number by market, messages sent from your page as a count, and the same report by email each month. Counts only: nobody at a lender ever sees who searched or who viewed a page, and a count under 5 prints as "fewer than 5". [See the sample report](https://lender.report/for-lenders/example/). [See the monthly email](https://lender.report/for-lenders/report-email/). ## Questions lenders ask first Is this a scam? No. Your page was built from public records: FDIC and NCUA call reports, and HMDA and SBA loan files. Nobody will ask you to pay to keep a page or to fix one. Claiming is free, corrections are free for everyone, and paid plans are not on sale yet: they open from a waitlist, and joining charges nothing. [How the pages are built](https://lender.report/methodology/). [Every source](https://lender.report/sources/). Why is my bank listed? Every US bank and credit union that files a call report has a page, and so does every non-bank named in public HMDA or SBA loan files. Nobody signed up for one. Lender names are used only to identify the lenders that the public records describe. The Lender Report is not affiliated with, sponsored by or endorsed by any lender or government agency named on this site, unless a page says so. All trademarks belong to their owners. Does paying change where we appear? No. Paying never changes where a lender appears in search, lists or rankings. Order is set by the public data and the filters a visitor chooses, and the code that sets it cannot read who pays. Verified is a paid listing. Order is not affected by payment. [How results are ordered](https://lender.report/methodology/ordering/). Can I remove my page? A true public record stays up: nobody can have it removed, by asking or by paying. Errors are fixed free. See something wrong? Write to desk@lender.report or use the correction form. We reply within 2 business days and fix confirmed errors within 10. We correct our own mistakes at once. Where the public record itself is wrong, we show the lender's correction beside it and tell you how to ask the agency to fix the source. Any named person can be removed within 5 business days, and we do not ask why. [Corrections](https://lender.report/corrections/). [Removal](https://lender.report/removal/). Who runs this? The Lender Report is operated by JPro Labs LLC. The Lender Report is not a bank or a lender. It does not make loans or credit decisions. Listings are built from public records. [About us](https://lender.report/about/). [How we make money](https://lender.report/how-we-make-money/). Write to [desk@lender.report](mailto:desk@lender.report). What does Verified check, and how long does it last? That the person managing the page works at your institution, using a work email at your own domain, and the lending details you confirm, with the date. It is a paid listing, not a rating. It lasts 12 months from your confirmation; without a new one, or when a plan ends, the page shows Claimed again. [Verification Policy](https://lender.report/verification-policy/). What will our compliance team ask? Fees are flat, never tied to a message, a loan or a loan size. Commercial-purpose lending only. Named people are listed only with their consent. [Their questions, answered](https://lender.report/pricing/#compliance), and [the vendor packet](https://lender.report/advertise/vendor-packet/). **Start with the free step.** Find your institution, and claim its page with a work email and a code. [Claim your page, free](https://lender.report/claim/?from=forlenders) [See pricing](https://lender.report/pricing/) --- Page: https://lender.report/when-a-bank-says-no/ # A bank said no. That is one lender's answer. Lenders differ in the loans they make, and public records show which lenders have made loans like yours. You do not have to give us your name or number. ## Three questions Is the loan for a building instead of a business? ## What the record shows Here is a real example. From Oct 2023 through Sep 2026, **170 lenders made 590 SBA 7(a) loans to car washes**. A typical one was **$470,000**, at a typical rate of **9.75%**, the middle rate on loans already made, not an offer or a quote. In Georgia alone, 11 lenders made 15 of those loans. The table gives the same figures for each kind of business listed. These are SBA 7(a) loans, made by banks, credit unions and other lenders, with part of each loan backed by the SBA. | Business | Loans | Lenders | Typical loan | Typical rate | | --- | --- | --- | --- | --- | | Restaurant or cafe | 19,072 | 1,074 | $260,000 | 10.00% | | Building contractor | 6,551 | 438 | $120,000 | 10.50% | | Trucking company | 4,988 | 402 | $80,000 | 10.50% | | Auto repair shop | 4,970 | 545 | $200,000 | 10.00% | | Hair or nail salon | 3,979 | 433 | $80,000 | 10.50% | | Gym or fitness studio | 3,766 | 510 | $270,000 | 10.00% | | HVAC or plumbing contractor | 3,350 | 371 | $180,000 | 10.25% | | Landscaping company | 2,939 | 408 | $110,000 | 10.25% | | Child care center | 2,544 | 384 | $400,000 | 9.75% | | Hotel or motel | 2,062 | 223 | $2,600,000 | 8.75% | | Dental practice | 1,874 | 209 | $480,000 | 9.25% | | Gas station | 1,537 | 235 | $1,300,000 | 9.25% | | Grocery store | 960 | 231 | $270,000 | 10.00% | | Veterinary practice | 715 | 134 | $680,000 | 8.50% | | Car wash | 590 | 170 | $470,000 | 9.75% | SBA FOIA, loans made from Oct 2023 through Sep 2026. Cancelled and not-funded loans left out. Typical means the middle loan. ## If the loan is for a building A no on an apartment building or a rental home is also one lender's answer. Lenders report the loans they make on these properties every year, and the record shows who made loans like yours in your state. - **Apartments, 5 or more units.** The record has each loan: its size, its rate, its term and the county it was made in. The answer lists the lenders that made loans like yours and shows the middle rate and term of those loans. - **Rental homes, 1 to 4 units.** The record counts these loans by state. Where a lender has 5 or more in a county or metro area, the answer says so. It does not give the size or purpose of any one loan, so it cannot say who would lend on yours. It lists who makes these loans where you are, and points to the regulators' own office finders to find one near the property. Use the building form under "Three questions", or see [an example: apartment building lenders in Ohio](https://lender.report/comps/?lane=multifamily&state=OH&from=bank-says-no). ## First, ask why You have a right to know. Regulation B, the federal rule on credit decisions, says a lender has to tell you what it decided, and you can get the reasons. - If your business had revenue of $1 million or less last year, the lender must give you the specific reasons, or tell you how to ask for them. Ask within 60 days of hearing no, and it has 30 days to answer. - If your business had more than $1 million, ask in writing within 60 days and the lender must give you written reasons. You can say it just like this: "I would like the specific reasons my loan was declined, in writing, please." General information, not legal advice. [12 CFR 1002.9](https://www.consumerfinance.gov/rules-policy/regulations/1002/9/). ## Who can help you for free - **[Your Small Business Development Center](https://americassbdc.org/find-your-sbdc/).** Free, one-on-one help getting your numbers and your loan package together. - **[SCORE](https://www.score.org/).** Free mentoring from people who have run businesses themselves. - **[A Community Development Financial Institution](https://www.cdfifund.gov/programs-training/certification/cdfi).** A lender whose mission is to reach the people and places banks often miss. The CDFI Fund lists them. - **[SBA Lender Match](https://www.sba.gov/loans/lender-match/).** A free SBA tool that puts your request in front of lenders that may be interested. SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site. ## Check your own numbers These run in your browser and send nothing anywhere. - [SBA 7(a) payment calculator](https://lender.report/tools/sba-7a-payment-calculator/) - [DSCR calculator](https://lender.report/tools/dscr-calculator/) - [SBA 7(a) loan package checklist](https://lender.report/guides/package-checklist-sba-7a/) - [SBA 7(a) or 504: which fits your loan](https://lender.report/guides/sba-7a-or-504-which-fits/) - [How to read SBA 7(a) and 504 loan data](https://lender.report/guides/how-to-read-sba-loan-data/) ## What to watch for When a bank says no, the calls and emails from other kinds of funders often start. Before you sign anything, watch for these. - **Upfront fees.** Before you pay anything, ask what the fee is for, who receives it and when it is due, and get the answer in writing. Legitimate lenders here will not ask you to pay through this site. - **Daily or weekly withdrawals.** Some products pull money out of your bank account every business day. Ask for the full amount you will pay back, in dollars, and the annual rate, before you say yes. - **Loan stacking.** That means taking a second advance from a new funder to cover the first one. Each one takes another slice of your sales. Ask the new funder whether it will pay off the old one. - **Confessions of judgment.** That is a clause that lets a funder win a court judgment against you without a hearing if it says you did not pay. If you see one, stop and show the contract to a lawyer. ## What we cannot tell you We cannot tell you whether a lender will say yes to you. Nobody can, from public records. What these records show is which lenders have made loans like yours, and how many. The next step is to contact a lender yourself. A lender's page links to its website, and shows its main phone number where one is on record. For a longer walk through what to do next, read [What to do after a bank says no to a business loan](https://lender.report/guides/what-to-do-after-a-bank-says-no/). 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](https://lender.report/report/) ## Would you like a person to write back? Everything above is free to use without giving a name. If you would like a reply from a person instead, send one short form about a business loan or a loan on investment property. It costs nothing, and we cannot promise that any lender will say yes. [Request financing](https://lender.report/request-financing/?from=bsn) Who receives this: JPro Labs LLC, the company that operates The Lender Report. JPro Labs LLC is affiliated with Janover Capital, a commercial real estate financing business. Your request is not sent to any lender, or to anyone else, unless you later ask us to send it. --- Page: https://lender.report/request-financing/ # Request financing Tell us what you are trying to finance and a person will write back, usually with lenders in our public records that have made loans like yours. This is for business loans and loans on commercial or investment real estate only. Sending this form does not start a loan request with any lender, and no lender has seen it. We cannot promise that any lender will offer you a loan or any particular terms. We do not charge you anything, now or later. The Lender Report is not a lender and does not make credit decisions. ## Request received We received your request today. It went to JPro Labs LLC only. Nothing was sent to a lender. A person will reply to the email address you gave. To change or delete your request, write to desk@lender.report. ### What happens next - A person at the company named above reads your request. No software scores it and no lender sees it. - You get a reply by email, usually naming lenders in the public record that have made loans like yours, with the source of each figure. - You contact any lender yourself. Nothing is sent to a lender unless you later ask us in writing to send it. We do not charge you anything, and we cannot promise that any lender will offer a loan. [See who made loans like yours now](https://lender.report/comps/)[What a lender will ask for](https://lender.report/guides/what-a-lender-ready-package-looks-like/) ## This form is not for a home you live in We cannot take this request. The Lender Report only handles business loans and loans on commercial or investment real estate. For a loan on a home you live in, contact a licensed mortgage lender, or find a HUD-approved housing counselor at consumerfinance.gov/find-a-housing-counselor. That is no judgment of you or your loan. The law treats a loan on your own home, or for personal, family or household use, differently from a business loan, and this site covers only business lending. [Find a housing counselor (consumerfinance.gov)](https://www.consumerfinance.gov/find-a-housing-counselor/) If the loan is for a rental property or a business and the wording of your note caused this, [start again](https://lender.report/request-financing/) and describe the property as an investment. ## Not open in that state yet We are not taking financing requests for North Dakota yet. Every lender page and every search on this site is still free to use for North Dakota. We are not taking financing requests for Vermont yet. Every lender page and every search on this site is still free to use for Vermont. We are not taking financing requests for Nevada yet. Every lender page and every search on this site is still free to use for Nevada. [Search lenders free](https://lender.report/search/)[Back to the form](https://lender.report/request-financing/) ## One box was not ticked Please confirm this request is for a business or for investment real estate. [Back to the form](https://lender.report/request-financing/) ## Please take one thing out Please remove the Social Security number or tax ID from your message. We do not collect them. [Back to the form](https://lender.report/request-financing/) ## Something was missing We need what the loan is for, the state, an amount range, the borrower type, your name and a work email that we can reply to. A phone number, if you give one, must be a 10-digit US number. [Back to the form](https://lender.report/request-financing/) ## Too many requests for now We take a few requests an hour from one connection. Nothing was sent. Try again in an hour, or write to [desk@lender.report](mailto:desk@lender.report). ## That did not go through Nothing was sent. [Try the form again](https://lender.report/request-financing/), or write to [desk@lender.report](mailto:desk@lender.report). ## We are not taking financing requests right now Every lender page and every search on this site is still free to use. You can see which lenders have made loans like yours and contact them yourself. [See who made loans like yours](https://lender.report/comps/)[Search lenders](https://lender.report/search/) ## What happens after you send it - **A person reads it.** No software scores your request and no lender sees it. - **You get a reply by email.** It usually names lenders in the public record that have made loans like yours. This site covers 3,840 banks, 473 savings institutions, 4,299 credit unions and 2,294 non-banks. - **You decide what to do.** You contact any lender yourself. Nothing is sent to a lender unless you later ask us in writing to send it. ## Would you sooner look yourself? You do not need this form to use the site. [Loan Comps](https://lender.report/comps/) lists the lenders that have made loans like yours, with the recorded loans, and asks for no name or email. [If a bank said no](https://lender.report/when-a-bank-says-no/), start there. ## What we never ask for Do not include a Social Security number, tax ID, date of birth, bank account details, credit score or financial statements. There is no upload on this form. To change or delete a request, write to [desk@lender.report](mailto:desk@lender.report). [How we make money](https://lender.report/how-we-make-money/) --- Page: https://lender.report/guides/ Guides # How to place a loan with a bank or a credit union 35 sourced guides for brokers, borrowers, and the bankers and credit union lenders who work with them. Every rule is tied to the regulation or program manual it comes from, with its date, and every guide ends at the public record. ## I place loans for clients You are a commercial mortgage, SBA or business loan broker, or you do it for your own deals. - [How to place a commercial loan with a bank](https://lender.report/guides/place-a-commercial-loan-with-a-bank/) - [What a lender-ready loan package looks like](https://lender.report/guides/what-a-lender-ready-package-looks-like/) - [How to find the right person at a bank for a loan](https://lender.report/guides/find-the-right-person-at-a-bank/) - [How to pick banks for a deal with public data](https://lender.report/guides/pick-a-bank-for-your-deal-with-public-data/) - [How bankers evaluate a commercial loan deal](https://lender.report/guides/how-bankers-evaluate-a-deal/) ## I need a loan, or a bank said no You own a business or a property and want to know how lenders think and what to bring. - [What to do after a bank says no to a business loan](https://lender.report/guides/what-to-do-after-a-bank-says-no/) - [What a lender-ready loan package looks like](https://lender.report/guides/what-a-lender-ready-package-looks-like/) - [How to place a business loan with a credit union](https://lender.report/guides/place-a-business-loan-with-a-credit-union/) - [How bankers evaluate a commercial loan deal](https://lender.report/guides/how-bankers-evaluate-a-deal/) ## I lend at a bank or credit union You work with brokers, or want to know what they see when they look you up. - [A banker's guide to working with loan brokers](https://lender.report/guides/bankers-guide-working-with-brokers/) - [A credit union lender's guide to working with brokers](https://lender.report/guides/credit-union-lenders-guide-working-with-brokers/) - [What brokers see about your bank or credit union](https://lender.report/guides/what-brokers-see-about-your-institution/) - [Loan participations, explained](https://lender.report/guides/loan-participations-explained/) ## Placing a loan 6 guides The process from first call to closing, at a bank and at a credit union, and how to choose and reach the right lender. - [How to pick banks for a deal with public data](https://lender.report/guides/pick-a-bank-for-your-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. For Brokers, Borrowers - [How to place a commercial loan with a bank](https://lender.report/guides/place-a-commercial-loan-with-a-bank/) A bank loan moves through the same stages every time. Knowing them tells you what the bank needs at each point, what its answer means, and where time is lost. For Brokers, Borrowers - [What to do after a bank says no to a business loan](https://lender.report/guides/what-to-do-after-a-bank-says-no/) One bank's no is one lender's answer, and the reasons are yours to ask for. They usually point to a constraint you can name. For Borrowers, Brokers - [How to place a business loan with a credit union](https://lender.report/guides/place-a-business-loan-with-a-credit-union/) Credit unions make business loans, and some make a lot of them. Three things are different from a bank: the borrower must be a member, most credit unions work under a cap on business loans, and the limit to one borrower is set against net worth. For Brokers, Borrowers, Credit union lenders - [How to find the right person at a bank for a loan](https://lender.report/guides/find-the-right-person-at-a-bank/) The main number reaches a branch. A commercial loan is handled by a commercial lender, and at many banks there are only a few. Finding that person is half the work of a first contact. For Brokers - [How a loan broker works with community banks](https://lender.report/guides/how-a-broker-works-with-community-banks/) A community bank will take a good loan from a broker it trusts. Trust comes from three things: the bank knows who is paying you, your packages are accurate, and you bring loans that fit what the bank does. For Brokers ## Packages and checklists 12 guides What a lender wants to see before it spends time on a loan, lane by lane. - [SBA 7(a) loan package checklist](https://lender.report/guides/package-checklist-sba-7a/) A 7(a) package is the bank's usual file plus SBA's own list. Know which items SBA requires and you can have them ready before the first call. For Brokers, Borrowers - [What a lender-ready loan package looks like](https://lender.report/guides/what-a-lender-ready-package-looks-like/) A lender decides in minutes whether to keep reading. A package that answers the first five questions on one page, and backs each answer with a document, gets read. For Brokers, Borrowers - [SBA 504 loan package checklist](https://lender.report/guides/package-checklist-sba-504/) A 504 project has three parties, two loans and a closing date set by a monthly bond sale. Build the package for all three. For Brokers, Borrowers - [Owner-occupied commercial real estate loan checklist](https://lender.report/guides/package-checklist-owner-occupied-cre/) When a business borrows on the building it works in, the lender is underwriting the business first and the building second. The package has to prove both. For Brokers, Borrowers - [Investor commercial real estate loan checklist](https://lender.report/guides/package-checklist-investor-cre/) On an investor property the rent pays the loan. The package is the evidence for the rent: who pays it, for how long, what it costs to collect, and who stands behind the borrower if it stops. For Brokers, Borrowers - [Small balance multifamily loan checklist](https://lender.report/guides/package-checklist-small-balance-multifamily/) Most apartment loans are small. Local banks, credit unions and the agencies' small loan programs all compete for them, and each wants the same core package with a different emphasis. For Brokers, Borrowers - [Multifamily loan checklist for 5+ unit properties](https://lender.report/guides/package-checklist-multifamily-5-plus/) A larger apartment loan can go to five kinds of lender. They want much the same package. They differ on recourse, term, prepayment, speed and what they ask of the sponsor. For Brokers, Borrowers - [Construction loan package checklist](https://lender.report/guides/package-checklist-construction/) A construction lender is lending against a building that does not exist yet. The package has to show what it will cost, who will build it, where every dollar comes from, and how the loan gets repaid when it is done. For Brokers, Borrowers - [Residential development loan package checklist](https://lender.report/guides/package-checklist-residential-development/) Lots and houses are repaid one sale at a time. A lender on a subdivision or a group of homes is underwriting how fast those sales will come and what happens to the loan if they slow down. For Brokers, Borrowers - [Business line of credit package checklist](https://lender.report/guides/package-checklist-business-line-of-credit/) A line of credit pays for the gap between spending money and collecting it. The lender wants to see that the gap is real, that it closes, and what it can take as collateral while it is open. For Brokers, Borrowers - [Equipment financing package checklist](https://lender.report/guides/package-checklist-equipment-financing/) Equipment is the simplest thing a business borrows for. There is a price, an invoice and a machine the lender can take back. The package is short, and the choices are about term, lien and who the lender is. For Brokers, Borrowers - [Farm loan package checklist](https://lender.report/guides/package-checklist-farm/) A farm lender reads a balance sheet, a production record and a cash flow budget. The land is the collateral. The crop or the herd is the repayment, and it comes in once or twice a year. For Brokers, Borrowers ## How lenders decide 3 guides The ratios, the cash flow and the guarantor, read the way a credit officer reads them. - [How bankers evaluate a commercial loan deal](https://lender.report/guides/how-bankers-evaluate-a-deal/) A credit officer asks one question five ways: how will this loan be repaid, and what happens if it is not? Knowing the five tests lets you size a request before you send it. For Brokers, Borrowers - [Global cash flow, explained step by step](https://lender.report/guides/global-cash-flow-explained/) A property can cover its loan while the people behind it cannot cover their other debts. Global cash flow is the test that looks at all of it at once. For Brokers, Borrowers - [Guarantor strength and recourse, explained](https://lender.report/guides/guarantor-strength-and-recourse/) A guaranty is the lender's second way out. Whether you sign one, how much it covers and what the lender checks before accepting it shape a commercial loan as much as the rate does. For Brokers, Borrowers ## SBA loans 2 guides How the 7(a) and 504 programs work in practice, and how SBA lenders differ from each other. - [SBA Preferred Lenders Program and Express: how they differ](https://lender.report/guides/how-sba-preferred-lenders-differ/) Some SBA lenders decide a loan on their own authority and some send it to SBA first. The difference changes who reads your file and who carries the risk. For Brokers, Borrowers, Bankers - [SBA 7(a) or 504: which fits your loan](https://lender.report/guides/sba-7a-or-504-which-fits/) Both are SBA loans, and they work differently. The choice usually turns on what you are buying and how much cash you can put in. For Brokers, Borrowers ## Rules that shape a lender's limits 4 guides Lending limits, concentration guidance, leverage limits and participations, explained in plain terms. - [The legal lending limit, explained](https://lender.report/guides/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. For Brokers, Bankers - [The CRE concentration guidance, explained](https://lender.report/guides/cre-concentration-guidance-explained/) Bank regulators watch how much commercial real estate a bank holds against its capital. The guidance sets two screens. It does not set a limit, and it does not count owner-occupied buildings. For Brokers, Bankers, Borrowers - [Supervisory loan to value limits and HVCRE, explained](https://lender.report/guides/leverage-limits-supervisory-ltv-and-hvcre/) Two federal rules shape how much a bank will lend against real estate: a table of loan to value ceilings, and a capital rule that makes some construction loans cost the bank more to hold. For Brokers, Borrowers, Bankers - [Loan participations, explained](https://lender.report/guides/loan-participations-explained/) A participation lets one lender make a loan that is too large for it to hold alone. The borrower signs with one lender. Behind that lender, others own pieces of the loan and share its risk. For Brokers, Bankers, Credit union lenders ## Reading the public data 5 guides What each public file holds, what it leaves out, and how to use it without fooling yourself. - [How to read a bank call report as a loan searcher](https://lender.report/guides/how-to-read-a-bank-call-report/) 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. For Brokers, Bankers - [How to read HMDA data for multifamily and investor loans](https://lender.report/guides/how-to-read-hmda-data/) HMDA is the one public file that lists individual apartment and rental-house loans by lender, amount, county and year. It covers loans on dwellings only, and not every lender reports. For Brokers, Borrowers, Bankers - [How to read Community Reinvestment Act data](https://lender.report/guides/how-to-read-cra-data/) CRA data is the only public count of small business and small farm loans made by county. It is reported by larger banks only, in three size bands, with no borrower and no loan detail. For Brokers, Bankers - [How to read SBA 7(a) and 504 loan data](https://lender.report/guides/how-to-read-sba-loan-data/) The SBA publishes the 7(a) and 504 loans it guarantees, lender by lender, every quarter. It is the best public record of who lends to small businesses, and it is easy to misread. For Brokers, Borrowers, Bankers - [How to read a credit union's 5300 call report](https://lender.report/guides/how-to-read-an-ncua-5300-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. For Brokers, Credit union lenders ## For bankers and credit union lenders 3 guides Working with brokers, and what a broker sees when they look at your institution. - [What brokers see about your bank or credit union](https://lender.report/guides/what-brokers-see-about-your-institution/) Every bank and credit union has a page here, built from public filings. This guide says what is on it, where each number comes from, what you can correct and add, and what nothing can change. For Bankers, Credit union lenders - [A credit union lender's guide to working with brokers](https://lender.report/guides/credit-union-lenders-guide-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. For Credit union lenders - [A banker's guide to working with loan brokers](https://lender.report/guides/bankers-guide-working-with-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. For Bankers ## Tools and terms - [Calculators and the deal summary builder](https://lender.report/tools/)9 tools that run in your browser. Nothing you type is sent or saved. - [Glossary](https://lender.report/glossary/)193 lending terms, each with how it shows up in the public data. - [Loan Comps](https://lender.report/comps/)Describe a deal and see which lenders have made loans like it, with the recorded loans behind each one. General information, not legal, tax or credit advice. Guides describe how lenders and programs work. They are not a quote or an offer, and they do not predict what any lender will do. --- Page: https://lender.report/glossary/ Glossary # Lending terms, in plain English 193 terms from bank, credit union and SBA lending. Each one says what it means, how it shows up in the public data on this site, or plainly that it does not, and where to look instead. Filter the list ## A **[A&D loan](https://lender.report/glossary/a-and-d-loan/) Construction** One loan that pays to buy land and to develop it into finished lots. **[Absorption](https://lender.report/glossary/absorption/) Construction** The pace at which a market leases or sells available space, lots or homes over a set period. **[ADC loan](https://lender.report/glossary/adc-loan/) Structure** A loan to acquire land, develop it or build on it, repaid from the sale, lease-up or refinance of the finished project. Banks report these as construction, land development and other land loans. **[Adjustable rate loan](https://lender.report/glossary/adjustable-rate-loan/) Structure** A loan whose interest rate resets on a schedule to an index, such as prime or SOFR, plus a fixed spread, so the payment can rise or fall over the term. **[Adverse action notice](https://lender.report/glossary/adverse-action-notice/) Regulation** The notice a lender must give under Regulation B when it refuses credit in substantially the amount or on the terms requested, with the reasons or the right to ask for them. **[After repair value (ARV)](https://lender.report/glossary/arv/) Property** The estimated market value of a property once a planned renovation is finished, used to size fix-and-flip and other renovation loans. **[Agency lender](https://lender.report/glossary/agency-lender/) Lender types** A lender authorized to make apartment loans that Fannie Mae or Freddie Mac then buys or backs, under those companies' rules instead of the lender's own. **[Allowance for credit losses](https://lender.report/glossary/allowance-for-credit-losses/) Regulation** The reserve a lender builds through charges against earnings for the loan losses it expects, which brings the loans on its books down to the amount it expects to collect. **[Amortization](https://lender.report/glossary/amortization/) Structure** The schedule on which a loan's principal is paid down through regular payments. The amortization period sets the payment size and can be longer than the loan's term. **[Annual service fee (SBA lender's fee)](https://lender.report/glossary/annual-service-fee/) SBA** A yearly fee a 7(a) lender pays SBA on the outstanding balance of the guaranteed portion of each loan. On a 7(a) loan the lender may not pass it on to the borrower. **[Appraisal](https://lender.report/glossary/appraisal/) Documents** A written, independent opinion of a property's market value as of a specific date, prepared by a qualified appraiser. **[As-complete value](https://lender.report/glossary/as-complete-value/) Construction** An appraiser's estimate of what a property will be worth on the date construction is expected to be finished. **[As-is value](https://lender.report/glossary/as-is-value/) Property** The market value of a property in its actual physical condition, use and zoning on the appraisal's effective date, with no credit for planned work. **[As-stabilized value](https://lender.report/glossary/as-stabilized-value/) Property** An appraiser's estimate of what a property will be worth on the future date it is projected to reach stabilized occupancy. **[Assessment area](https://lender.report/glossary/assessment-area/) Regulation** The geographic area a bank draws around its main office, branches and deposit-taking ATMs, inside which regulators judge its record under the Community Reinvestment Act. ## B **[Balloon payment](https://lender.report/glossary/balloon-payment/) Structure** The lump sum of remaining principal due at the end of a loan's term when the regular payments did not pay the loan off in full. **[Blanket lien](https://lender.report/glossary/blanket-lien/) Structure** A security interest that covers all or nearly all of a borrower's assets, present and future, instead of one named piece of collateral. **[Borrowing base](https://lender.report/glossary/borrowing-base/) Underwriting** The most a lender will advance on a line of credit at a given time, set as a percentage of the eligible receivables, inventory or other collateral pledged. **[Bridge loan](https://lender.report/glossary/bridge-loan/) Structure** A short-term loan that carries a newly built or newly bought commercial property until it is leased and earning enough to be sold or refinanced with a permanent loan. ## C **[Call report](https://lender.report/glossary/call-report/) Data** 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. **[Capital and surplus](https://lender.report/glossary/capital-and-surplus/) Regulation** The capital base a national bank's lending limit is measured against: tier 1 and tier 2 capital plus the part of the loan loss allowance that tier 2 leaves out. **[Capitalization rate (cap rate)](https://lender.report/glossary/cap-rate/) Underwriting** A property's stabilized net operating income divided by its price or value. Divide income by the cap rate and you get an estimate of value. **[Carve-out guaranty](https://lender.report/glossary/carve-out-guaranty/) Underwriting** A guaranty on a non-recourse loan that makes the guarantor personally liable only if the borrower commits listed acts, such as fraud or a voluntary bankruptcy. **[Certified development company (CDC)](https://lender.report/glossary/certified-development-company/) SBA** A lender certified by SBA to package, close and service 504 loans and to issue the debenture that funds up to 40 percent of a project. **[Change of ownership loan (SBA 7(a))](https://lender.report/glossary/change-of-ownership-loan/) SBA** A 7(a) loan that finances buying an existing business or an owner's share of it. SBA requires an independent valuation, 10 percent equity and, for a new owner, debt service coverage of 1.25 to 1. **[CMBS conduit loan](https://lender.report/glossary/cmbs-conduit/) Lender types** A commercial property loan made to be pooled with other loans and sold to investors as commercial mortgage-backed securities, not kept by the lender that made it. **[Commercial mortgage broker](https://lender.report/glossary/commercial-mortgage-broker/) Lender types** A commercial mortgage broker is a person or firm that takes a borrower's loan request to lenders and is paid a fee, without lending its own money. **[Commitment letter](https://lender.report/glossary/commitment-letter/) Documents** A commitment letter is the lender's written, binding promise to make a loan on stated terms, if the conditions listed in the letter are met by a set date. **[Common bond](https://lender.report/glossary/common-bond/) Credit unions** The tie that members of a credit union share. Federal law names two kinds, occupation and association; a community charter is defined by place instead. **[Community bank](https://lender.report/glossary/community-bank/) Lender types** A community bank is a smaller bank that takes deposits and lends mostly in the area around its offices, and decides on loans close to home. **[Community development financial institution (CDFI)](https://lender.report/glossary/cdfi/) Lender types** A lender the Treasury's CDFI Fund has certified as having a primary mission of community development and serving a defined target market. **[Community development loan](https://lender.report/glossary/community-development-loan/) Regulation** Under the Community Reinvestment Act rules, a loan whose primary purpose is community development, such as affordable housing or financing for small businesses and farms. **[Community Reinvestment Act (CRA)](https://lender.report/glossary/cra/) Regulation** The 1977 federal law that directs bank regulators to assess how well each bank helps meet the credit needs of its local communities, including low- and moderate-income neighborhoods. **[Completion guaranty](https://lender.report/glossary/completion-guaranty/) Construction** A guarantor's promise to the lender that a project will be finished and its bills paid, without a promise to repay the whole loan. **[Construction and land concentration](https://lender.report/glossary/construction-and-land-concentration/) Regulation** A bank's construction, land development and other land loans measured against its capital. The 2006 guidance uses 100 percent of total capital as a screen for closer review. **[Construction draw](https://lender.report/glossary/construction-draw/) Construction** One advance of construction loan money, released after the lender confirms that the work it pays for is in place. **[Construction loan](https://lender.report/glossary/construction-loan/) Construction** A short-term loan that pays for building or renovating a property, advanced in stages as work is finished and repaid from a sale or a permanent loan. **[Contingent liability](https://lender.report/glossary/contingent-liability/) Underwriting** A debt a person or company would owe only if something happens, most often a guaranty of someone else's loan that the borrower then stops paying. **[Cost overrun](https://lender.report/glossary/cost-overrun/) Construction** The amount by which a construction project costs more than its budget, which the borrower is normally expected to cover. **[CRE concentration](https://lender.report/glossary/cre-concentration/) Regulation** 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. **[Credit committee](https://lender.report/glossary/credit-committee/) Underwriting** A credit committee is the group inside a lender that decides on loans above the amount a single loan officer is allowed to decide alone. **[Credit elsewhere test (SBA)](https://lender.report/glossary/credit-elsewhere-test/) SBA** SBA's rule that a loan is eligible only if the business cannot get some or all of the money on reasonable terms elsewhere. The lender must certify it and explain why in its credit memo. **[Credit union](https://lender.report/glossary/credit-union/) Lender types** A member-owned cooperative lender. It lends to the people and businesses inside its field of membership and files a call report with NCUA every quarter. **[Credit union service organization (CUSO)](https://lender.report/glossary/cuso/) Credit unions** A company that credit unions own or lend to, set up mainly to provide services to credit unions or their members. Some underwrite and service business loans. **[Credit union single borrower limit](https://lender.report/glossary/cu-single-borrower-limit/) Credit unions** The most a credit union may lend in commercial loans to one borrower or group of associated borrowers: the greater of 15 percent of its net worth or $100,000. **[Cross-collateralization](https://lender.report/glossary/cross-collateralization/) Structure** An arrangement in which two or more properties or assets secure the same loan, or each secures the borrower's other loans, so the lender can look to any of them if one loan defaults. ## D **[Debenture (SBA 504)](https://lender.report/glossary/debenture/) SBA** The bond a certified development company issues to fund SBA's share of a 504 project. SBA guarantees it in full, and debentures are normally sold once a month. **[Debt fund](https://lender.report/glossary/debt-fund/) Lender types** A private investment fund that makes or buys loans with money raised from investors, instead of taking deposits the way a bank or credit union does. **[Debt schedule](https://lender.report/glossary/debt-schedule/) Documents** A table of every loan a business or borrower owes, showing for each the lender, balance, payment, maturity date and collateral. **[Debt service coverage ratio (DSCR)](https://lender.report/glossary/dscr/) Underwriting** Net operating income, or business cash flow, divided by the loan payments due in a year. It shows how many dollars come in for each dollar of debt service. **[Debt yield](https://lender.report/glossary/debt-yield/) Underwriting** Net operating income divided by the loan amount, shown as a percent. It measures how much income stands behind each dollar lent, whatever the rate or term. **[Defeasance](https://lender.report/glossary/defeasance/) Structure** A way to free a property from a loan before maturity by swapping the collateral: the borrower pledges securities that make the remaining payments, and the lien on the property is released. **[Delegated authority (SBA lending)](https://lender.report/glossary/delegated-authority/) SBA** Authority SBA grants a lender to make its own eligibility and credit decision before SBA issues a loan number: PLP and SBA Express for 7(a), ALP and PCLP for 504. **[DSCR loan](https://lender.report/glossary/dscr-loan/) Lender types** A business-purpose mortgage on a rental home of one to four units that is sized mainly on the property's rent against its payment, not on the borrower's personal income. **[DUS (Delegated Underwriting and Servicing)](https://lender.report/glossary/dus/) Lender types** Fannie Mae's multifamily program, in which authorized lenders underwrite, close and service apartment loans under Fannie Mae's guide and keep a share of any loss. ## E **[EBITDA](https://lender.report/glossary/ebitda/) Underwriting** Earnings before interest, taxes, depreciation and amortization: a business's operating profit before financing costs, income taxes and non-cash charges. **[Effective gross income (EGI)](https://lender.report/glossary/effective-gross-income/) Underwriting** The income a property is expected to produce after subtracting an allowance for vacancy and for rent that will not be collected. **[Eligible passive company (EPC)](https://lender.report/glossary/eligible-passive-company/) SBA** A separate company that owns the real estate or equipment and leases all of it to the operating business, allowed under SBA rules when strict conditions are met. **[Entitlements](https://lender.report/glossary/entitlements/) Construction** The government permissions a site needs before it can be built on, such as zoning, plan sign-offs and permits. **[Equipment financing](https://lender.report/glossary/equipment-financing/) Structure** A loan used to buy business equipment, secured by that equipment and repaid over a term tied to how long the equipment will be useful. **[Equity injection (SBA)](https://lender.report/glossary/equity-injection/) SBA** The cash or other equity an owner puts into an SBA-financed project. A 7(a) start-up or business purchase needs at least 10 percent of total project cost; a 504 project needs 10, 15 or 20 percent. ## F **[Farm Credit association](https://lender.report/glossary/farm-credit-association/) Lender types** A borrower-owned cooperative lender in the Farm Credit System that makes loans to farmers, ranchers and other eligible rural borrowers. **[Farm operating loan](https://lender.report/glossary/farm-operating-loan/) Farm** A short-term loan or line that pays a farm's yearly costs, such as seed, feed, fertilizer and rent, and is repaid when the crop or livestock is sold. **[Farmer Mac](https://lender.report/glossary/farmer-mac/) Lender types** The Federal Agricultural Mortgage Corporation, a federally chartered company that buys and guarantees farm and rural loans from lenders so they can make more of them. **[Farmland loan](https://lender.report/glossary/farmland-loan/) Farm** A loan secured by farm or ranch land and its improvements, usually made to buy or refinance the land and repaid over many years from farm income. **[FDIC certificate number](https://lender.report/glossary/fdic-certificate-number/) Data** The unique number the FDIC assigns to each bank and savings institution, used to identify it in FDIC records. **[FHA 221(d)(4) loan](https://lender.report/glossary/fha-221d4/) Lender types** A HUD program that provides federal mortgage insurance on a private lender's loan to build or substantially rehabilitate rental apartments. **[FHA 223(f) loan](https://lender.report/glossary/fha-223f/) Lender types** A HUD program that provides federal mortgage insurance on a private lender's loan to buy or refinance an existing apartment property of five or more units. **[FHLB advance](https://lender.report/glossary/fhlb-advance/) Regulation** A loan from a Federal Home Loan Bank to one of its member institutions, made under a written agreement and fully secured by collateral such as mortgage loans. **[Field of membership](https://lender.report/glossary/field-of-membership/) Credit unions** The set of people and organizations a credit union's charter lets it serve. A borrower has to fall inside it and join before the credit union can lend. **[Finished lots](https://lender.report/glossary/finished-lots/) Construction** Lots with streets and utilities in place, ready for a building to be started. **[Fix-and-flip loan](https://lender.report/glossary/fix-and-flip-loan/) Lender types** A short-term business-purpose loan to buy a house, renovate it and sell it, repaid from the sale instead of from monthly income. **[Fixed charge coverage ratio (FCCR)](https://lender.report/glossary/fixed-charge-coverage-ratio/) Underwriting** A business's earnings before interest, taxes, depreciation and amortization, divided by its fixed charges such as debt payments, capital spending and cash taxes. **[Fixed rate loan](https://lender.report/glossary/fixed-rate-loan/) Structure** A loan whose interest rate is set at closing and does not change for a stated period, often the whole term, so the principal and interest payment stays the same. **[Freddie Mac Small Balance Loan (SBL)](https://lender.report/glossary/freddie-mac-sbl/) Lender types** Freddie Mac's fixed-rate program for apartment loans of $10 million or less, delivered through its Optigo lenders. Freddie Mac now titles it Conventional Small. **[FSA guaranteed loan](https://lender.report/glossary/fsa-guaranteed-loan/) Farm** A farm loan made and serviced by a bank, credit union or Farm Credit lender, on which the USDA Farm Service Agency covers most of the lender's loss if the borrower defaults. ## G **[Global cash flow](https://lender.report/glossary/global-cash-flow/) Underwriting** The combined cash flow of a borrower, its owners and their other businesses, set against all of the debt payments those same parties owe. **[Ground lease](https://lender.report/glossary/ground-lease/) Structure** A long lease of land on which the tenant owns or builds the improvements. A lender to the tenant takes a lien on the leasehold, not on the land. **[Guarantor](https://lender.report/glossary/guarantor/) Underwriting** A person or company that promises to repay a loan if the borrower does not. On a loan to an LLC or corporation, the guarantor is usually an owner. ## H **[Hard money loan](https://lender.report/glossary/hard-money-loan/) Lender types** A short-term real estate loan from a private or non-bank lender that is decided mainly on the property's value and the exit plan, not on the borrower's income. **[HMDA loan register (LAR)](https://lender.report/glossary/hmda-loan-register/) Data** The loan-by-loan file a mortgage lender keeps and reports each year under HMDA, with one row for every covered loan and loan request and what happened to it. **[Home Mortgage Disclosure Act (HMDA)](https://lender.report/glossary/hmda/) Data** 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. **[Horizontal development](https://lender.report/glossary/horizontal-development/) Construction** The work that turns raw land into buildable lots: grading, streets, sewer and water lines and utilities, before any building goes up. **[House limit](https://lender.report/glossary/house-limit/) Underwriting** A cap a bank sets for itself, below the legal lending limit, on how much it will hold for one borrower, one property type or one market. **[HVCRE exposure](https://lender.report/glossary/hvcre/) Regulation** A land, development or construction loan that a bank must carry at a 150 percent risk weight under the capital rule unless the project meets an exemption, such as 15 percent borrower capital. ## I **[Intercreditor agreement](https://lender.report/glossary/intercreditor-agreement/) Documents** A contract between two or more lenders to the same borrower that sets whose lien and payments come first and what each may do if the borrower defaults. **[Interest reserve](https://lender.report/glossary/interest-reserve/) Construction** An account set up by the lender that pays the loan's interest during construction and lease-up, usually funded as a line in the loan budget. **[Interest-only (IO)](https://lender.report/glossary/interest-only/) Structure** A loan, or a stretch of a loan's term, in which payments cover interest alone and the principal balance does not go down. **[Investor 1-4 unit property](https://lender.report/glossary/investor-1-4/) Property** A house, duplex, triplex or fourplex held as a rental or for resale, not lived in by the borrower. It has fewer than five units, so it is not multifamily. **[IRS tax transcript (Form 4506-C and 8821)](https://lender.report/glossary/tax-transcript-4506-c/) Documents** The IRS record of a filed return that an SBA lender orders itself, with Form 4506-C through IVES or Form 8821, to check the numbers it was given. ## L **[Land loan](https://lender.report/glossary/land-loan/) Construction** A loan to buy land that has not been developed, repaid from other income or from a later sale or development loan. **[Lease-up](https://lender.report/glossary/lease-up/) Property** The period after a building is finished or renovated while it fills with tenants and its income climbs toward a stable level. **[Legal Entity Identifier (LEI)](https://lender.report/glossary/lei/) Data** A unique 20-character code, issued under the ISO 17442 standard, that identifies a legal entity anywhere in the world. **[Legal lending limit](https://lender.report/glossary/legal-lending-limit/) Regulation** 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. **[Letter of intent (LOI)](https://lender.report/glossary/letter-of-intent/) Documents** A letter of intent is a short, mostly non-binding letter that sets out the main terms two parties expect to agree on before the full documents are drafted. **[Life company lender](https://lender.report/glossary/life-company/) Lender types** A life insurance company that makes long-term, fixed-rate commercial mortgage loans with its own investment money and usually keeps them. **[Line of credit](https://lender.report/glossary/line-of-credit/) Structure** A commitment from a lender to advance money up to a set limit, which a business can draw, repay and draw again as its cash needs rise and fall. **[Loan constant](https://lender.report/glossary/loan-constant/) Underwriting** One year of loan payments divided by the loan amount, shown as a percent. It folds the interest rate and the amortization period into a single number. **[Loan covenant](https://lender.report/glossary/covenant/) Structure** A promise in a loan agreement that the borrower will do certain things, or will not, for as long as the loan is outstanding, such as keeping a minimum debt service coverage ratio. **[Loan participation](https://lender.report/glossary/loan-participation/) Structure** A loan in which other lenders buy shares from the lender that made it, under a written agreement that keeps the first lender in the loan for its whole life. **[Loan sale](https://lender.report/glossary/loan-sale/) Structure** A lender's transfer of all or part of a loan to another party, so that the buyer, not the lender that made the loan, holds that share of it. **[Loan servicing](https://lender.report/glossary/loan-servicing/) Structure** The work of running a loan after it closes: collecting payments, releasing draws, tracking the borrower's reporting and collateral, and handling changes or a default. **[Loan syndication](https://lender.report/glossary/loan-syndication/) Structure** Loan syndication is a group of lenders making one loan together under a single credit agreement, with one lender arranging it and acting as agent. **[Loan-to-cost ratio (LTC)](https://lender.report/glossary/ltc/) Underwriting** The loan amount divided by the total cost of a project: the property plus all construction costs. It shows how much of the budget the lender funds. **[Loan-to-deposit ratio](https://lender.report/glossary/loan-to-deposit-ratio/) Underwriting** A lender's total loans divided by its total deposits, which shows how much of the money customers keep with it is already lent out. **[Loan-to-value ratio (LTV)](https://lender.report/glossary/ltv/) Underwriting** The loan amount divided by the value of the property securing it. A $700,000 loan on a property valued at $1,000,000 is 70 percent loan to value. **[Loans to assets](https://lender.report/glossary/loans-to-assets/) Underwriting** A lender's total loans divided by its total assets, which shows how much of its balance sheet is in loans and not in cash, securities and other holdings. **[Loans to one borrower](https://lender.report/glossary/loans-to-one-borrower/) Regulation** The total a bank counts against its lending limit for one borrower: loans, binding commitments and standby letters of credit, plus loans to related parties that the rules combine. **[Lot takedown](https://lender.report/glossary/lot-takedown/) Construction** A builder's purchase of finished lots from a developer in batches on a set schedule, in place of buying them all at once. **[Low-income designation](https://lender.report/glossary/low-income-designation/) Credit unions** An NCUA status for a federal credit union when a majority of its members are low-income by the rule's test. It lifts the cap on member business loans. ## M **[Manufactured housing community](https://lender.report/glossary/manufactured-housing-community/) Property** A residential development of lots, or pad sites, where manufactured homes sit, along with the roads, utilities and amenities that serve them. **[Member business loan (MBL)](https://lender.report/glossary/member-business-loan/) Credit unions** A credit union's business-purpose loan to one of its own members. The total of these loans is capped by federal law; loans to non-members are counted separately. **[Member business loan cap](https://lender.report/glossary/mbl-cap/) Credit unions** 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. **[Mini-perm](https://lender.report/glossary/mini-perm/) Structure** A medium-term loan, shorter than a permanent loan, that a bank makes on a finished property so the owner has time to lease it up before long-term financing. **[Multifamily (5+ units)](https://lender.report/glossary/multifamily/) Property** Residential rental property with five or more units. Banks, credit unions and HMDA all draw the line between four units and five. ## N **[NCUA 5300 call report](https://lender.report/glossary/ncua-5300-call-report/) Data** 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. **[NCUA charter number](https://lender.report/glossary/ncua-charter-number/) Data** 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. **[Net operating income (NOI)](https://lender.report/glossary/noi/) Underwriting** A property's annual income minus its operating expenses, before loan payments, income taxes and depreciation. It is the top number in DSCR and debt yield. **[Net worth ratio](https://lender.report/glossary/net-worth-ratio/) Credit unions** A credit union's net worth divided by its total assets, as a percentage. NCUA treats 7 percent or more as well capitalized and 6 percent as adequately capitalized. **[NNN lease (triple net)](https://lender.report/glossary/nnn-lease/) Property** A lease where the tenant pays rent plus the property's operating costs, typically taxes, insurance and maintenance. The exact split is whatever the lease says. **[Non-bank lender](https://lender.report/glossary/non-bank-lender/) Lender types** A non-bank lender is a company that makes loans but does not take deposits, so it is not a bank, a savings institution or a credit union. **[Non-owner-occupied commercial real estate](https://lender.report/glossary/non-owner-occupied-cre/) Property** Commercial property where half or more of the loan's repayment comes from rent paid by tenants unrelated to the owner. **[Non-recourse loan](https://lender.report/glossary/non-recourse/) Underwriting** A loan the lender can collect only from the property pledged for it, not from the guarantor personally, except for listed bad acts. ## O **[Optigo](https://lender.report/glossary/optigo/) Lender types** Freddie Mac's name for its multifamily loan products and for the network of lenders it buys those apartment loans from. **[Originating lender](https://lender.report/glossary/originating-lender/) Structure** The lender the borrower first contracts with, which then sells participations in the loan to other lenders and stays in the loan itself. **[Originator](https://lender.report/glossary/originator/) Lender types** An originator is the person, or the lender, that brings in a loan request and carries it through to closing. **[Owner-occupied commercial real estate](https://lender.report/glossary/owner-occupied-cre/) Property** Commercial property where the loan is repaid mainly by the business that occupies it, not by rent from unrelated tenants. ## P **[Participant lender](https://lender.report/glossary/participant-lender/) Structure** A lender that buys a share of a loan another lender originated. It takes part of the credit exposure, usually without dealing with the borrower directly. **[Payment and performance bond](https://lender.report/glossary/payment-and-performance-bond/) Construction** Two surety bonds on a construction contract: one backs payment of subcontractors and suppliers, the other backs completion of the work. **[Permanent loan](https://lender.report/glossary/permanent-loan/) Structure** A longer-term loan on a finished, leased property that replaces the construction or bridge loan and is repaid from the property's income. **[Personal guaranty](https://lender.report/glossary/personal-guaranty/) Underwriting** A signed promise by an individual, usually an owner, to repay a business or real estate loan personally if the borrowing company does not. **[Phase I environmental site assessment](https://lender.report/glossary/phase-i-esa/) Documents** A study of a property's records, history and visible condition by an environmental professional to identify likely contamination, done without sampling soil or water. **[Portfolio lender](https://lender.report/glossary/portfolio-lender/) Lender types** A portfolio lender is a lender that keeps the loans it makes on its own books instead of selling them to an investor. **[Post-closing liquidity](https://lender.report/glossary/post-closing-liquidity/) Underwriting** The cash and other liquid assets a borrower or guarantor still holds after paying the down payment and closing costs on a loan. **[Preferred Lenders Program (PLP)](https://lender.report/glossary/preferred-lender-program/) SBA** A status SBA gives some 7(a) lenders to decide eligibility and credit on their own authority, with SBA reviewing a loan only at purchase or oversight. **[Prepayment penalty](https://lender.report/glossary/prepayment-penalty/) Structure** A charge a loan agreement sets for paying off some or all of the principal before a stated date. Common forms are a step-down schedule, yield maintenance and defeasance. **[Prime rate](https://lender.report/glossary/prime-rate/) Structure** A base rate banks post for pricing short-term business loans. The Federal Reserve reports it as the rate posted by a majority of the 25 largest U.S. commercial banks. **[Pro forma](https://lender.report/glossary/pro-forma/) Documents** A projection of a property's or project's future income, expenses and cash flow, built on stated assumptions and not on past results. ## R **[Rate floor](https://lender.report/glossary/rate-floor/) Structure** The minimum interest rate a variable rate loan can charge. When the index plus the spread falls below the floor, the borrower pays the floor. **[Rate lock](https://lender.report/glossary/rate-lock/) Structure** A lender's commitment to hold a quoted interest rate for a set number of days before closing, often backed by a deposit the borrower can lose if the loan does not close. **[Recourse](https://lender.report/glossary/recourse/) Underwriting** A lender's right to collect a loan from the borrower or guarantor personally, beyond the property or other collateral pledged for it. **[Regulation B](https://lender.report/glossary/regulation-b/) Regulation** The federal rule, 12 CFR part 1002, that carries out the Equal Credit Opportunity Act: it bars credit discrimination on prohibited bases and sets notice rules, for business credit as well as consumer credit. **[Regulation C](https://lender.report/glossary/regulation-c/) Regulation** The Consumer Financial Protection Bureau rule, 12 CFR part 1003, that carries out the Home Mortgage Disclosure Act and sets which lenders report and what they report. **[Rent roll](https://lender.report/glossary/rent-roll/) Documents** A list of every unit or space in a property showing the tenant, the rent, the lease dates and what is vacant, as of a stated date. **[Replacement reserves](https://lender.report/glossary/replacement-reserves/) Underwriting** Money set aside, or an expense assumed by the lender, for periodic replacement of capital items such as roofs, heating and cooling systems and parking lots. **[Retainage](https://lender.report/glossary/retainage/) Construction** The share of each construction payment that is held back until the job is finished and the liens are cleared. **[RSSD ID](https://lender.report/glossary/rssd-id/) Data** The unique number the Federal Reserve assigns to a bank, credit union, holding company or other financial entity as its identifier in Federal Reserve records. ## S **[Savings institution](https://lender.report/glossary/savings-institution/) Lender types** A savings institution is a savings association or savings bank: a deposit-taking lender whose charter grew out of home mortgage lending. **[SBA 504 loan](https://lender.report/glossary/sba-504/) SBA** A fixed-asset financing in which a bank lends 50 percent or more, a certified development company funds up to 40 percent through an SBA debenture, and the borrower puts in at least 10 percent. **[SBA 7(a) loan](https://lender.report/glossary/sba-7a/) SBA** SBA's main business loan program. A lender makes the loan and SBA guarantees part of it: up to 85 percent of $150,000 or less and 75 percent of more, on loans up to $5,000,000. **[SBA 7(a) Small loan](https://lender.report/glossary/sba-7a-small-loan/) SBA** A 7(a) term loan of $350,000 or less. The lender may use its own forms and credit memo for much of the file, and the debt service coverage floor is 1.10 to 1. **[SBA agent (packager, referral agent or broker)](https://lender.report/glossary/sba-agent/) SBA** Anyone who represents an applicant or a lender in dealings with SBA for pay: an attorney, accountant, consultant, packager or broker. SBA does not require a borrower to use one. **[SBA CAPLines](https://lender.report/glossary/sba-caplines/) SBA** SBA's 7(a) lines of credit for short-term operating needs, in four types: Working Capital, Contract, Seasonal and Builders. The most for one line is $5,000,000. **[SBA collateral requirements (7(a))](https://lender.report/glossary/sba-collateral-requirements/) SBA** SBA's rules for what a 7(a) lender must take as collateral and how each asset counts, such as improved real estate at 85 percent of value. A request must not be declined only for thin collateral. **[SBA Express loan](https://lender.report/glossary/sba-express/) SBA** A 7(a) loan of $500,000 or less that only a lender with SBA Express authority can make, on its own credit decision, with a 50 percent SBA guaranty. **[SBA Form 159 (fee disclosure)](https://lender.report/glossary/form-159/) Documents** The form that discloses to SBA any fee paid to an agent such as a packager or broker, and a lender fee above $2,500, with the compensation agreement behind it. **[SBA Form 1919 (Borrower Information Form)](https://lender.report/glossary/form-1919/) Documents** The form each 7(a) co-borrower signs and gives the lender. It reports employees and jobs and the purpose of the loan, and the lender keeps the signed form and enters its data into SBA's system. **[SBA Form 413 (Personal Financial Statement)](https://lender.report/glossary/form-413/) Documents** SBA's personal financial statement. Each 20 percent owner and each guarantor except a supplemental guarantor gives one, or the lender's own equivalent, signed and dated within 90 days. **[SBA Franchise Directory](https://lender.report/glossary/sba-franchise-directory/) SBA** SBA's list of franchise brands it has reviewed and found eligible. A brand that meets the FTC definition of a franchise must be on it for the loan to go ahead. **[SBA guaranty percentage](https://lender.report/glossary/sba-guaranty-percentage/) SBA** The share of a 7(a) loan that SBA guarantees to the lender: up to 85 percent of a loan of $150,000 or less, up to 75 percent of a larger loan, and 50 percent on SBA Express. **[SBA Lender Match](https://lender.report/glossary/sba-lender-match/) SBA** An SBA online tool where a business answers a few questions and SBA sends a summary of interested lenders within two business days. It is not a loan request and promises no loan. **[SBA occupancy requirement](https://lender.report/glossary/sba-occupancy-requirement/) SBA** The rule that a business using SBA money on real estate must occupy at least 51 percent of an existing building, or 60 percent of a new one, and may lease out the rest within set limits. **[SBA size standard](https://lender.report/glossary/sba-size-standard/) SBA** SBA's test that a business and its affiliates are small enough for a loan: the limit for its industry in 13 CFR 121.201, or an alternative of $20 million net worth and $6.5 million net income. **[Schedule RC-C](https://lender.report/glossary/schedule-rc-c/) Data** The call report schedule where a bank lists the loans and leases it holds by category, such as construction, multifamily, nonfarm nonresidential, farmland and commercial and industrial loans. **[Section 1071 (small business lending data rule)](https://lender.report/glossary/section-1071/) Regulation** The part of the Dodd-Frank Act, carried out in Regulation B subpart B, that will require larger lenders to collect and report data on credit requests from small businesses. **[Small business loan (CRA and call report definition)](https://lender.report/glossary/small-business-loan-cra/) Regulation** In bank reporting, a business loan with an original amount of $1,000,000 or less that is a commercial and industrial loan or is secured by nonfarm nonresidential real estate. **[Small-balance multifamily](https://lender.report/glossary/small-balance-multifamily/) Property** A loan on an apartment building of five or more units that falls under a size cap. Each program sets its own cap, so the phrase has no single legal meaning. **[SOFR (Secured Overnight Financing Rate)](https://lender.report/glossary/sofr/) Structure** A daily benchmark interest rate, published by the Federal Reserve Bank of New York, that measures the cost of borrowing cash overnight against Treasury securities. **[SOP 50 10 (SBA lender manual)](https://lender.report/glossary/sop-50-10/) SBA** SBA's rulebook for 7(a) and 504 loans, in three parts: core requirements, 7(a) requirements and 504 requirements. Version 8.1 took effect on October 1, 2026. **[Spec home](https://lender.report/glossary/spec-home/) Construction** A house built before any buyer has signed a contract for it, so the loan is repaid only when a buyer is found. **[Special purpose property](https://lender.report/glossary/special-purpose-property/) Property** A building whose design or construction limits it to the use it was built for, such as a car wash, hotel, gas station or bowling alley. **[Spread (margin over an index)](https://lender.report/glossary/spread/) Structure** The fixed number of percentage points a lender adds to an index, such as prime or SOFR, to set a loan's interest rate. **[Standby letter of credit](https://lender.report/glossary/standby-letter-of-credit/) Structure** A bank's written promise to pay a third party if the bank's customer does not repay a debt or does not perform an obligation. **[Step-down prepayment penalty](https://lender.report/glossary/step-down-prepayment/) Structure** A prepayment charge set as a percentage of the amount prepaid that drops on a fixed schedule, usually each year, until it reaches zero. **[Subordination, non-disturbance and attornment (SNDA)](https://lender.report/glossary/snda/) Documents** An agreement in which a tenant puts its lease behind the lender's mortgage, the lender agrees to honor the lease after a foreclosure, and the tenant agrees to treat the new owner as landlord. **[Supervisory LTV limits](https://lender.report/glossary/supervisory-ltv-limits/) Regulation** Loan-to-value ceilings in the federal real estate lending guidelines, from 65 percent for raw land to 85 percent for improved property, that a bank's own limits should not exceed. ## T **[T-12 (trailing 12 months)](https://lender.report/glossary/t-12/) Documents** A property's income and expense statement for the most recent twelve months, usually shown month by month. **[Take-out loan](https://lender.report/glossary/take-out-loan/) Construction** The permanent loan that pays off a construction loan, or the commitment from a lender to make that loan once the project is finished and leased. **[Tenant estoppel certificate](https://lender.report/glossary/tenant-estoppel/) Documents** A signed statement from a tenant confirming the terms of its lease and that the lease is in effect, which a lender or buyer can then rely on. **[Term loan](https://lender.report/glossary/term-loan/) Structure** A business loan for a set amount with a maturity of more than one year, repaid on a fixed schedule from the company's cash flow. **[Term sheet](https://lender.report/glossary/term-sheet/) Documents** A term sheet is a short written outline of the loan a lender is prepared to consider: amount, rate, term, fees and main conditions. It is usually not binding. **[Third-party lender (SBA 504)](https://lender.report/glossary/third-party-lender-504/) SBA** The bank or other lender that makes the first-lien loan, usually about half the project cost, in an SBA 504 project. SBA does not guarantee its loan. **[Tier 1 capital](https://lender.report/glossary/tier-1-capital/) Regulation** A bank's core capital under the capital rule: common equity tier 1 plus additional tier 1. The minimums are 6 percent of risk-weighted assets and a 4 percent leverage ratio. **[Title insurance (lender's policy)](https://lender.report/glossary/title-insurance/) Documents** A policy that protects a lender against loss if its mortgage turns out not to have the lien priority it expected, or if title to the property is defective. **[Total risk-based capital](https://lender.report/glossary/total-risk-based-capital/) Regulation** The sum of a bank's tier 1 and tier 2 capital. The capital rule requires it to be at least 8 percent of the bank's risk-weighted assets. ## U **[UCC lien](https://lender.report/glossary/ucc-lien/) Documents** A lender's claim on business assets other than real estate, made public by filing a financing statement under Article 9 of the Uniform Commercial Code. **[Uniform Bank Performance Report (UBPR)](https://lender.report/glossary/ubpr/) Data** A public report, calculated each quarter mostly from a bank's call report, that turns the filing into ratios and compares the bank with a peer group. **[Unused commitment](https://lender.report/glossary/unused-commitment/) Regulation** The part of a legally binding promise to lend that the borrower has not drawn yet, such as the open amount on a line of credit or the unfunded balance of a construction loan. **[Upfront guaranty fee (SBA 7(a))](https://lender.report/glossary/upfront-guaranty-fee/) SBA** The one-time fee a 7(a) lender pays SBA for its guaranty, set by loan size and charged on the guaranteed portion. The lender may pass it on to the borrower. **[USDA Business and Industry loan (B&I)](https://lender.report/glossary/usda-business-and-industry-loan/) Farm** A business loan in a rural area, made by a private lender, on which USDA Rural Development guarantees part of the lender's loss. ## V **[Value-add](https://lender.report/glossary/value-add/) Property** Buying an underperforming property and raising its income through renovation, repairs or stronger management. Lenders call it repositioning or rehabilitation. ## W **[Working capital](https://lender.report/glossary/working-capital/) Underwriting** The money a business has tied up in day-to-day operations, measured as current assets minus current liabilities; a working capital loan funds that gap. ## Y **[Yield maintenance](https://lender.report/glossary/yield-maintenance/) Structure** A prepayment charge sized so the lender or investor earns about what it would have earned had the loan run to the end of the yield maintenance period. No term contains that. Clear the box to see them all. Plain definitions for orientation, not legal, tax or credit advice. Figures and sources are on each page. [The data dictionary](https://lender.report/data-dictionary/) lists every field in the lender record. --- Page: https://lender.report/reports/who-is-lending-2026-q2/ Quarterly report # Who is actually lending: Q2 2026 Banks and savings institutions hold $5.8T of commercial and commercial real estate loans at June 30, 2026. Lenders made 43,226 multifamily loans for $269.2B in 2025 and 175,022 SBA 7(a) loans over the last 36 months. **Published** November 8, 2026 **Data as of** June 30, 2026 **HMDA** 2025 **SBA through** September 30, 2026 Cite this Source: The Lender Report, Who Is Actually Lending: Q2 2026, https://lender.report/reports/who-is-lending-2026-q2/, data as of June 30, 2026. ## Use these figures Every figure carries its source and date. Cite it as shown, or ask for the data. [Follow the reports as RSS](https://lender.report/rss.xml)[Ask for a data license](mailto:desk@lender.report?subject=Data%20license&body=What%20I%20want%20to%20do%20with%20the%20data%3A%0AHow%20often%3A%0AMy%20organization%3A%0A) ## What lenders hold Call reports and credit union 5300 filings, June 30, 2026 Banks and savings institutions hold $5.8T of commercial and commercial real estate loans, and credit unions hold $202.2B. These are balances, not loans made this quarter. Bank non-owner-occupied CRE loans rose 0.9% to $1.2T in the quarter ended June 30, 2026 (FDIC call reports). Bank multifamily loans rose 0.3% to $670.3B in the quarter ended June 30, 2026 (FDIC call reports). Bank construction loans rose 0.1% to $458.9B in the quarter ended June 30, 2026 (FDIC call reports). Bank C&I loans rose 2.0% to $2.6T in the quarter ended June 30, 2026 (FDIC call reports). Credit union non-owner-occupied CRE loans rose 2.0% to $87.9B in the quarter ended June 30, 2026 (NCUA 5300). Banks filing call reports went from 4,353 to 4,313 between March 31, 2026 and June 30, 2026. | Book | Banks and savings | Credit unions | | --- | --- | --- | | Multifamily | $670B | $48.0B | | Construction and land | $459B | $11.1B | | Owner-occupied CRE | $711B | $39.6B | | Non-owner-occupied CRE | $1.23T | $87.9B | | Farmland | $124B | $3.32B | | Commercial and industrial | $2.62T | $11.8B | ## Who made multifamily loans HMDA 2025, manufactured-home parks excluded unless noted Lenders made 43,226 multifamily loans for $269.2B in 2025, up 32.5% from 32,620 in 2024 (counting every originated loan in the HMDA file, including 1,710 loans on manufactured-home parks). Banks and savings institutions made 69.0% of the multifamily loans on record for active lenders, credit unions 9.1%, and non-banks 21.9%. California recorded the most multifamily loans in 2025 (5,674), followed by New York (3,318) and Illinois (2,847). | Lender | Based in | Loans | Dollars | | --- | --- | --- | --- | | [JPMorgan Chase Bank, National Association](https://lender.report/lender/jpmorgan-chase-bank-oh/) | Columbus, OH | 3,873 | $17.2B | | [RF Renovo Management Company, LLC](https://lender.report/lender/rf-renovo-management-il/) | Chicago, IL | 798 | $1.11B | | [Walker & Dunlop, LLC](https://lender.report/lender/walker-and-dunlop-md/) | Bethesda, MD | 765 | $20.0B | | [Berkadia Commercial Mortgage](https://lender.report/lender/berkadia-commercial-mortgage-pa/) | Ambler, PA | 752 | $14.0B | | [U.S. Bank National Association](https://lender.report/lender/u-s-bank-oh/) | Cincinnati, OH | 500 | $1.76B | | [Arbor Realty Trust, Inc.](https://lender.report/lender/arbor-realty-trust-ny/) | Uniondale, NY | 423 | $5.62B | | [Lument Real Estate Capital](https://lender.report/lender/lument-real-estate-capital-oh/) | Columbus, OH | 387 | $5.13B | | [Wells Fargo Bank, National Association](https://lender.report/lender/wells-fargo-bank-sd/) | Sioux Falls, SD | 340 | $20.9B | | [Velocity Commercial Capital LLC](https://lender.report/lender/velocity-commercial-capital-ca/) | Westlake Village, CA | 330 | $191M | | [Greystone Servicing Corporation, Inc.](https://lender.report/lender/greystone-servicing-tn-memphis-kqgfmz98/) | Memphis, TN | 318 | $6.03B | ## Who made SBA loans SBA FOIA, 36 months ending September 30, 2026 SBA 7(a) approvals totaled 175,022 loans and $89B over the 36 months ending September 30, 2026, net of 29,428 cancelled approvals. 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 504 approvals with a named first-lien lender totaled 18,076 projects, with 7,022 marked not funded, most of those recent and awaiting funding. | Lender | Based in | Loans | Dollars | | --- | --- | --- | --- | | [The Huntington National Bank](https://lender.report/lender/huntington-national-bank-oh/) | Columbus, OH | 18,014 | $5.37B | | [U.S. Bank National Association](https://lender.report/lender/u-s-bank-oh/) | Cincinnati, OH | 8,675 | $2.30B | | [Newtek Bank, National Association](https://lender.report/lender/newtek-bank-fl/) | Miami, FL | 8,244 | $2.95B | | [TD Bank, National Association](https://lender.report/lender/td-bank-de/) | Wilmington, DE | 7,798 | $1.18B | | [Readycap Lending, LLC](https://lender.report/lender/readycap-lending-nj/) | Berkeley Heights, NJ | 7,055 | $2.38B | | [Manufacturers and Traders Trust Company](https://lender.report/lender/manufacturers-and-traders-trust-ny/) | Buffalo, NY | 6,727 | $769M | | [Northeast Bank](https://lender.report/lender/northeast-bank-me/) | Portland, ME | 6,302 | $951M | | [Live Oak Banking Company](https://lender.report/lender/live-oak-banking-nc/) | Wilmington, NC | 5,781 | $7.03B | | [JPMorgan Chase Bank, National Association](https://lender.report/lender/jpmorgan-chase-bank-oh/) | Columbus, OH | 5,128 | $1.40B | | [BayFirst National Bank](https://lender.report/lender/bayfirst-national-bank-fl/) | Saint Petersburg, FL | 4,508 | $693M | SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site. ## Credit unions NCUA 5300, first half of 2026 1,115 credit unions reported making real-estate-secured commercial loans in the first half of 2026: 17,969 loans for $22.2B. Credit unions filing call reports went from 4,336 to 4,299 between March 31, 2026 and June 30, 2026. ## 1-4 unit investor lending HMDA 2025 Lenders made 595,971 1-4 unit investor or business-purpose loans for $202.8B in 2025. Non-banks made 65.7% of them. ## What this report does not show Banks report balances, not loans made. Bank loans made come only from HMDA and SBA files, which cover multifamily, some 1-4 unit lending and SBA programs. Bank call reports do not split commercial real estate by property type, so office, retail, industrial and hotel lending are not separately visible. Nothing here is a rating, a forecast or a statement about the safety of any institution. 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](https://lender.report/report/) 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. --- Page: https://lender.report/security/ For your vendor review # Security Where this runs, what it holds and does not hold, who can reach it, and what is not in place yet. Each line was checked against the code or the provider's own documentation, and anything that waits on the owner is marked. Checked November 11, 2026. ## In short The Lender Report publishes public data about lenders and sells labeled ads and page tools. It holds **no data about your customers** and connects to **none of your systems**. It takes **no borrower financial data**: no Social Security or tax ID numbers, no bank or card numbers, no credit scores, no income or revenue figures, and no loan files. What it holds about your institution is an account: the work email addresses, names and titles of the people you add, and what you write on your page and in your ads. There is **no SOC 2 report yet**, and no certificate of insurance. They are listed below with the other things that are not in place, so a reviewer does not have to look for them. ## What is in place, and what is not Checked November 11, 2026 | Item | Status | Detail | | --- | --- | --- | | Hosting | In place | The site runs on Cloudflare: Pages and Workers serve it, and D1 databases hold the data. We run no servers of our own. | | Encryption in transit | In place | HTTPS only, with a strict transport security header. Browsers are told never to use plain HTTP for this site. | | Encryption at rest | In place, at the provider | Cloudflare states that every object stored in D1 and in R2 is encrypted at rest with AES-256, and that data moves over TLS. That is Cloudflare's statement in its D1 and R2 data security documentation, read November 11, 2026. We do not hold the keys. | | Sign-in | In place | No passwords. A six-digit code is emailed and works for 10 minutes. We store only a keyed hash of it, and five wrong guesses delete it. Requests are rate limited by address and by network. A session lasts 30 days in a cookie that scripts cannot read, and we store only a hash of its token. API keys are stored as a hash and cannot be shown again. | | Who can do what | In place | Managers of a lender page, named reviewers at the lender, and the account owner have separate rights. A reviewer cannot sign off an ad they wrote. Someone other than the person who wrote a line must sign it off. | | Our own review list | In place | A person reviews everything a lender writes before it goes live, and each decision is recorded with the reviewer's name and the time. The review list opens only with a key held by the people who review. Every call to it, a read as much as a write, and every refused guess at the key is written to a log with the route, the name the caller gave and the time. | | Logs and records | In place | Every change to a lender page is recorded with who made it and when. Every ad version, sign-off and takedown is recorded the same way, in a chain of fingerprints that shows if an old record is changed. The service strips any email address from what it logs before a line is kept. | | Ad proof archive | Not yet in place | Proofs of what an ad looked like are meant to go to a Cloudflare R2 bucket with a deletion lock. The bucket is created at go-live, and in production an order is refused until it is bound. In preview the proofs sit in the database. | | Other companies on the site | In place | The site loads no analytics, advertising or tracking tool, and no script, font or image from another company. A content security policy restricts every page to its own origin. The only counts are daily totals kept in our own database, with no cookie, address or identifier. | | Payments | Built, not connected in preview | Card and bank details are entered on Stripe's own pages. We never see or store them. We keep Stripe's customer and subscription numbers. Billing connects when the account is live. | | Email | Built, not connected in preview | Sent through Cloudflare Email Sending. While the site is in preview, no email is sent at all. | | Backups and recovery | In place at the provider. Our own procedure: not yet in place | Cloudflare states that D1 Time Travel is always on and can restore a database to any minute within the last 30 days. We have not written a backup and recovery procedure, and we have not rehearsed a restore. | | Subprocessors | In place | Cloudflare, Inc. (hosting, databases, file storage, email sending). Stripe, Inc. (card and bank payments) is added when orders open; nothing is on sale yet. Cloudflare hosts and stores it. The operator keeps waitlist entries and financing requests in its own records and does not sell or share them, as the Privacy Policy says. | | Security contact | In place | Write to desk@lender.report with Security in the subject. A person reads it. We have not set a response time. | | Incident response plan and notice period | Not yet in place | We have no written incident response plan and have not set a number of hours for telling you of an incident. | | Written staff access policy | Not yet in place | Who on our staff may read the databases is not written down as a policy. No sales role exists, and the review list opens only with a key held by the people who review. | | Test by an outside firm | Not yet in place | No outside firm has tested the site. An internal review of the code was done on November 8, 2026. It was not an independent audit. | | SOC 2 report | Not yet in place | We have no SOC 2 report. We will not imply one exists. Cloudflare and Stripe publish their own certifications on their own sites. | | Certificate of insurance | Not yet in place | We hold no certificate of insurance. Cover for media liability, technology errors and omissions, and cyber risk waits on the owner and is not in place. | | Completed security questionnaire | Not yet in place | We have not completed one. We will answer yours in our own format, and say so where an answer is not yet. | ## What we hold, and what we do not ### We hold - Public data from regulators and government files. None of it is secret. - For each person on an account: a work email address and, for a lender page, a name and job title, a role, and hashes of the sign-in code and the session. - What you write on your page and in your ads, and the record of who changed what and when. - Orders: what was bought, the price and term, the signer's name and title, a PO number if you give one, and a billing email address. - Stripe's customer and subscription numbers. Not card or bank details. - Daily totals of page views and ad views, with no identity attached. - Waitlist entries: a work email address, the lender, the product, and a market and a note if given. Kept until the product opens plus 12 months, and never longer than 24 months. - Financing requests sent to this site's operator through its own form: what the loan is for, the state, an amount range, timing, names, a work email address, a phone number if given, and a note. Kept 24 months, then deleted. They are not sent to any lender. We do not store an IP address: with a financing request or a message to a lender we keep a keyed hash of it and of the browser's user-agent for abuse control, and delete both after 90 days. - Messages a visitor sends you through the contact form on your Verified (paid) page: the visitor's name, work email, phone if given, state, amount range and message. Delivered to the address you chose. We keep the message text for 90 days, then only the date and a delivery record. - Correction requests and requests to remove or correct a listing of a person: the page, what was asked, and an email address if one was given. Kept 24 months. ### We do not hold - Anything from your own systems about your customers or borrowers. - Social Security or tax ID numbers, bank account or card numbers, bank statements, credit scores, income or revenue figures, or dates of birth. The site checks for them and refuses them in search, in the API, in lender content, in claims, in saved lists and notes, in problem reports and in ads. - Documents. The one file a lender can upload is its logo, a PNG or WebP of 64 KB or less, which a person looks at before it is shown. - Deal files, term sheets or loan files of any kind. There are no deal rooms and no file uploads. Two forms carry a visitor's request: the site's own financing form, and the contact form on a Verified (paid) lender's page, which goes to that lender only. - Passwords. There are none. - Any access to your network, your systems or your online banking. We need none and ask for none. Sign-in codes last 10 minutes and sessions 30 days. An account stays while you hold it. Ad records are kept for the life of the account and seven years after, which is our choice and not a rule. The [privacy policy](https://lender.report/privacy/) says who can ask us to export or delete what, and how. Lender managers are verified again every 12 months and whenever their domain changes. ## Report a problem, or ask a question Write to [desk@lender.report](mailto:desk@lender.report?subject=Security) with Security in the subject. Please do not send personal or financial information. If you ask for our answers to a vendor questionnaire, send it and we will fill it in our own format and mark what is not yet. Documents are listed in the [vendor packet](https://lender.report/advertise/vendor-packet/).