# The Lender Report

> 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 a report on lenders, not a place to report a lender. The Lender Report is operated by JPro Labs LLC. Contact: desk@lender.report.

What it holds: every US bank and credit union that files a call report, plus the non-banks visible in public filings. Bank balances come from FDIC call reports and are what a lender holds. Loans made come only from HMDA, SBA and credit union filings. Nothing here says who is taking new loans today, and nothing here is a quote, a rating or advice.

## Connect in one step
- MCP server: https://lender.report/mcp (Streamable HTTP, read only, no account and no key). Server card: https://lender.report/mcp/server-card
- Tools: find_loan_comps, search_lenders, get_lender, check_lender_status, get_lender_activity, list_market_lenders, rank_lenders, compare_lenders, get_changes, resolve_place, get_coverage.
- JSON API: https://lender.report/api/v1 . OpenAPI: https://lender.report/openapi.json . Docs, limits and setup for each client: https://lender.report/developers/
- Data files (CSV and NDJSON) and their catalog: https://lender.report/data/catalog.jsonld
- What changed in the latest filings: https://lender.report/changes.ndjson and https://lender.report/feed.json

## How to use the answers
- Start with find_loan_comps for a deal, search_lenders for a list, get_lender for one lender, check_lender_status before you name a lender as open. resolve_place turns a city, county or ZIP into the place code the other tools take.
- Every record carries source, as_of, cite_as and license. Keep the source and the date with any figure you repeat.
- Every answer says what it cannot tell you in answerable, do_not_claim and what_we_dont_know. Keep those limits when you answer.
- listing_state on a lender is one of unverified, claimed, verified. It says who has reviewed the page, not how good the lender is, and it never changes the order of a result. Definitions: get_coverage.
- No tool sends a message, an inquiry or a financing request. A person who wants to ask for financing fills in the form themselves at https://lender.report/request-financing/ . Who receives this: JPro Labs LLC, the company that operates The Lender Report. It is not sent to any lender.
- Do not send names, Social Security numbers, tax IDs, credit scores, income, revenue or account numbers. They are refused.
- Errors are problem details (RFC 9457) with a type you can look up: https://lender.report/errors/

## Lists
- Every state and metro area: https://lender.report/lenders-in/ then https://lender.report/lenders-in/{state}/ (ohio) or https://lender.report/lenders-in/{metro}/ (columbus-oh).
- By kind of loan, nationally, by state and by metro: /multifamily-lenders/, /investor-1-4-lenders/, /investor-cre-lenders/, /owner-occupied-cre-lenders/, /construction-lenders/, /farm-lenders/, /business-lenders/, /sba-7a-lenders/, /sba-504-lenders/, each followed by {state}/ or {metro}/.
- SBA lenders by kind of business: https://lender.report/sba-lenders-for/{industry}/ and https://lender.report/sba-lenders-for/{industry}/{state}/. Industries: self-storage, dental-practices, veterinary-practices, car-washes, gas-stations-and-convenience, pharmacies, senior-care, funeral-homes, child-care, hotels, restaurants, trucking, auto-repair, landscaping, gyms-and-fitness, medical-practices, construction-trades, manufacturing, wholesale, retail, professional-services.
- Rankings: https://lender.report/rankings/ . All lenders, A to Z: https://lender.report/lenders/
- find_loan_comps and list_market_lenders return the address of the list that holds the same lane, place or industry as page_url.

## Markdown
- A lender as markdown: https://lender.report/id/fdic/{certificate}.md, https://lender.report/id/ncua/{charter}.md, https://lender.report/id/rssd/{id}.md, https://lender.report/id/lei/{lei}.md or, for a lender with none of those, https://lender.report/id/lr/{lr_id}.md. The same address answers a request that sends Accept: text/markdown.
- Each page below has a markdown copy at the address shown. So does each state page, each metro and county page under /lenders-in/, each metro page under /multifamily-lenders/ and each SBA industry page: add index.md to its address.

## Key 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)

The text of these pages in one file: https://lender.report/llms-full.txt

## License
Facts from government filings are public. You may use our public pages for search, AI answers and AI training at no charge if you keep the source and date with any figure, credit The Lender Report with a link when you show or rely on our figures, and keep any label that came with a record. Data from the API and the 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. Everything comes without warranty.

Citation format: Source: The Lender Report, {page title}, {URL}, data as of {date}.
License: https://lender.report/license/