58 on the roster · target 100 · methodology v2026.08 · compiled 2026-08-25
The full lender roster
Every institution we could independently confirm belongs on this list, grouped by how verifiable that confirmation is and then alphabetically. Being on this roster is a statement that the institution is real — it is never an endorsement, a warning, or an assessment of quality. Only a published grade, with its full seven-dimension breakdown, is an assessment, and most entries here do not have one.
Every institution we could independently confirm belongs on this list — 58 in total, grouped by validation tier, then alphabetical. This grouping is deliberate: entries are never ordered by grade or score here, because most of them do not have one yet, and any grade-based ordering would make an ungraded institution look ranked against a graded one.
A real registry identifier — an FDIC certificate, an NCUA charter number, a GLEIF-verified LEI, or a lender-disclosed NMLS number — is attached, with its own source and retrieval date.
Ally Bank
Ally Bank
Identifier verifiedAuto loansMortgage- fdic cert: 57803 — source (retrieved 2026-08-25)
Confirmed to exist via FDIC BankFind today; not yet represented in any grading dataset this site has independently verified — rostered, not graded.
Not yet gradedAmerican Express
American Express National Bank
Identifier verifiedCredit cards- fdic cert: 27471 — source (retrieved 2026-08-25)
Not yet gradedAvant
Avant, LLC (NMLS #1246731); Avant-branded credit products are issued by WebBank
Identifier verifiedPersonal loansBank of America
Bank of America, National Association
Identifier verifiedCredit cardsMortgage- fdic cert: 3510 — source (retrieved 2026-08-25)
- lei: B4TYDEB6GKMZO031MB27 — source (retrieved 2026-08-23)
Auto-lending arm graded separately as "Bank of America Auto Loans" (see bank-of-america-auto).
Not yet gradedBank of America Auto Loans
Bank of America, N.A.
Identifier verifiedAuto loans- fdic cert: 3510 — source (retrieved 2026-08-25)
Same legal entity as the "Bank of America" card/mortgage roster row; kept as a separate row because auto-loan-providers.json tracks it as its own product line with its own rate/fee evidence.
Barclays US Consumer Bank
Barclays Bank Delaware
Identifier verifiedCredit cards- fdic cert: 57203 — source (retrieved 2026-08-25)
Confirmed to exist via FDIC BankFind today; not yet represented in any grading dataset this site has independently verified — rostered, not graded.
Not yet gradedBest Egg
Marlette Funding, LLC (brand: Best Egg); loans made by Cross River Bank or Column N.A., Member FDIC
Identifier verifiedPersonal loansBoth named originating-bank partners confirmed to exist; the dataset does not specify which partner originates a given borrower's loan.
Byline Bank
Byline Bank
Identifier verifiedBusiness — SBA lending- fdic cert: 20624 — source (retrieved 2026-08-25)
Chicago-based commercial bank publicly known as an active SBA lender.
Not yet gradedCapital One
Capital One, National Association
Identifier verifiedCredit cards- fdic cert: 4297 — source (retrieved 2026-08-25)
Auto-lending arm graded separately as "Capital One Auto Navigator"; personal-loan brand graded separately as "Discover Personal Loans" (see capital-one-auto-navigator, discover) following Capital One's 2025 acquisition of Discover Financial Services.
Not yet gradedCeltic Bank
Celtic Bank Corporation
Identifier verifiedBusiness — SBA lending- fdic cert: 57056 — source (retrieved 2026-08-25)
Widely reported among the highest-volume SBA 7(a) lenders and a common fintech-partner bank; exact current-year SBA ranking not independently re-verified in this pass.
Not yet gradedChase
JPMorgan Chase Bank, National Association
Identifier verifiedCredit cardsAuto loansMortgage- fdic cert: 628 — source (retrieved 2026-08-25)
- lei: 7H6GLXDRUGQFU57RNE97 — source (retrieved 2026-08-23)
Card-issuing and mortgage-filing entity; auto-lending arm graded separately as "Chase Auto" (see gradingSlugs).
Not yet gradedChase Auto
JPMorgan Chase Bank, N.A.
Identifier verifiedAuto loans- fdic cert: 628 — source (retrieved 2026-08-25)
Same legal entity as the "Chase" card/mortgage roster row; kept separate for the same reason as Bank of America Auto Loans.
Citi
Citibank, National Association
Identifier verifiedCredit cardsMortgage- fdic cert: 7213 — source (retrieved 2026-08-25)
- lei: E57ODZWZ7FF32TWEFA76 — source (retrieved 2026-08-23)
Not yet gradedCitizens Bank
Citizens Bank, National Association
Identifier verifiedMortgageAuto loansPersonal loansCredit cards- fdic cert: 57957 — source (retrieved 2026-08-25)
Confirmed to exist via FDIC BankFind today; not yet represented in any grading dataset this site has independently verified — rostered, not graded.
Not yet gradedComenity Bank
Comenity Bank
Identifier verifiedCredit cards- fdic cert: 27499 — source (retrieved 2026-08-25)
Confirmed to exist via FDIC BankFind today; not yet represented in any grading dataset this site has independently verified — rostered, not graded.
Not yet gradedComenity Capital Bank
Comenity Capital Bank
Identifier verifiedCredit cards- fdic cert: 57570 — source (retrieved 2026-08-25)
Confirmed to exist via FDIC BankFind today; not yet represented in any grading dataset this site has independently verified — rostered, not graded.
Not yet gradedDiscover Personal Loans
Capital One, N.A. (Discover Bank was merged into Capital One, N.A. following Capital One's 2025 acquisition of Discover Financial Services)
Identifier verifiedPersonal loansCredit cardsThe CFPB complaint dataset's "DISCOVER BANK" company entry and this personal-loan brand share the same 'discover' slug; today's FDIC lookup independently corroborates the 2025 merger already documented in personal-loan-providers.json.
Fifth Third Bank
Fifth Third Bank, National Association
Identifier verifiedMortgageAuto loansCredit cards- fdic cert: 6672 — source (retrieved 2026-08-25)
Confirmed to exist via FDIC BankFind today; not yet represented in any grading dataset this site has independently verified — rostered, not graded.
Not yet gradedFirst National Bank of Omaha
First National Bank of Omaha
Identifier verifiedCredit cardsMortgage- fdic cert: 5452 — source (retrieved 2026-08-25)
Confirmed to exist via FDIC BankFind today; not yet represented in any grading dataset this site has independently verified — rostered, not graded.
Not yet gradedGoldman Sachs Bank USA
Goldman Sachs Bank USA
Identifier verifiedCredit cards- fdic cert: 33124 — source (retrieved 2026-08-25)
Confirmed to exist via FDIC BankFind today; not yet represented in any grading dataset this site has independently verified — rostered, not graded.
Not yet gradedHSBC Bank USA
HSBC Bank USA, National Association
Identifier verifiedCredit cardsMortgage- fdic cert: 57890 — source (retrieved 2026-08-25)
Confirmed to exist via FDIC BankFind today; not yet represented in any grading dataset this site has independently verified — rostered, not graded.
Not yet gradedHuntington Bank
The Huntington National Bank
Identifier verifiedBusiness — SBA lendingMortgageAuto loansCredit cards- fdic cert: 6560 — source (retrieved 2026-08-25)
Full-service super-regional bank and a publicly reported top-volume SBA 7(a) lender; exact current-year SBA ranking not independently re-verified in this pass.
Not yet gradedKeyBank
KeyBank National Association
Identifier verifiedMortgageAuto loans- fdic cert: 17534 — source (retrieved 2026-08-25)
Confirmed to exist via FDIC BankFind today; not yet represented in any grading dataset this site has independently verified — rostered, not graded.
Not yet gradedLendingPoint
LendingPoint LLC (NMLS #1424139); loans funded by FinWise Bank, Coastal Community Bank, or LendingPoint directly in certain states
Identifier verifiedPersonal loansLightStream
Truist Bank (LightStream is a lending division/d.b.a. of Truist Bank)
Identifier verifiedPersonal loansAuto loans- fdic cert: 9846 — source (retrieved 2026-08-25)
personal-loan-providers.json's 'lightstream' and auto-loan-providers.json's 'lightstream-auto' both carry the identical brand name "LightStream" for the same Truist Bank lending division; merged into one roster row rather than counted twice.
Live Oak Bank
Live Oak Banking Company
Identifier verifiedBusiness — SBA lending- fdic cert: 58665 — source (retrieved 2026-08-25)
Widely reported among the highest-volume SBA 7(a) lenders by dollar amount; exact current-year SBA ranking not independently re-verified in this pass (SBA's own lender-volume report was not fetchable as structured data in this environment).
Not yet gradedM&T Bank
Manufacturers and Traders Trust Company (d/b/a M&T Bank)
Identifier verifiedMortgageAuto loans- fdic cert: 588 — source (retrieved 2026-08-25)
Confirmed to exist via FDIC BankFind today; not yet represented in any grading dataset this site has independently verified — rostered, not graded.
Not yet gradedNetCredit
A brand operated by a member of the Enova International family of companies, or by a lending partner bank (Quill Bank or Republic Bank & Trust Company) depending on the borrower's state
Identifier verifiedPersonal loansThis site's grading engine hard-caps NetCredit's letter grade (see grading.ts DISQUALIFIED_MAX_GRADE) because its own disclosed maximum APR exceeds the Military Lending Act benchmark used in the rubric — being on the roster is a fact-of-existence listing, not an assessment.
Newtek Bank
Newtek Bank, National Association
Identifier verifiedBusiness — SBA lending- fdic cert: 18734 — source (retrieved 2026-08-25)
Widely reported among the highest-volume SBA 7(a) lenders; exact current-year SBA ranking not independently re-verified in this pass.
Not yet gradedOportun
Oportun, Inc. / Oportun, LLC (NM and WI loans); other states originated by Pathward, N.A. or Column N.A., Member FDIC
Identifier verifiedPersonal loansBoth named originating-bank partners confirmed to exist. Oportun originates directly (not via a bank partner) only in New Mexico and Wisconsin, per personal-loan-providers.json.
PenFed Credit Union
Pentagon Federal Credit Union
Identifier verifiedCredit cardsAuto loansMortgagePNC Bank
PNC Bank, National Association
Identifier verifiedMortgageAuto loansCredit cards- fdic cert: 6384 — source (retrieved 2026-08-25)
Confirmed to exist via FDIC BankFind today; not yet represented in any grading dataset this site has independently verified — rostered, not graded.
Not yet gradedRegions Bank
Regions Bank
Identifier verifiedMortgageAuto loansCredit cards- fdic cert: 12368 — source (retrieved 2026-08-25)
Confirmed to exist via FDIC BankFind today; not yet represented in any grading dataset this site has independently verified — rostered, not graded.
Not yet gradedSoFi
SoFi Bank, N.A. (NMLS #696891); in some states loans are made by SoFi Lending Corp., NMLS #1121636
Identifier verifiedPersonal loansSynchrony Bank
Synchrony Bank
Identifier verifiedCredit cards- fdic cert: 27314 — source (retrieved 2026-08-25)
Confirmed to exist via FDIC BankFind today; not yet represented in any grading dataset this site has independently verified — rostered, not graded.
Not yet gradedTD Bank
TD Bank, National Association
Identifier verifiedMortgageAuto loansCredit cards- fdic cert: 18409 — source (retrieved 2026-08-25)
Confirmed to exist via FDIC BankFind today; not yet represented in any grading dataset this site has independently verified — rostered, not graded.
Not yet gradedU.S. Bank
U.S. Bank National Association
Identifier verifiedCredit cardsMortgage- fdic cert: 6548 — source (retrieved 2026-08-25)
- lei: 6BYL5QZYBDK8S7L73M02 — source (retrieved 2026-08-23)
Not yet gradedUSAA Bank
USAA Federal Savings Bank
Identifier verifiedAuto loansMortgageCredit cards- fdic cert: 32188 — source (retrieved 2026-08-25)
Confirmed to exist via FDIC BankFind today; not yet represented in any grading dataset this site has independently verified — rostered, not graded.
Not yet gradedWells Fargo
Wells Fargo Bank, National Association
Identifier verifiedCredit cardsMortgage- fdic cert: 3511 — source (retrieved 2026-08-25)
- lei: KB1H1DSPRFMYMCUFXT09 — source (retrieved 2026-08-23)
Not yet graded
Drawn from one of this site’s own dated, previously-verified research datasets, without an independent registry hit captured in this pass.
CarMax Auto Finance
CarMax Business Services, LLC / CarMax Funding Services, LLC / CarMax Funding Services II, LLC
Dataset sourcedAuto loansCarvana Financing
Carvana LLC (financing arranged/serviced via Carvana's lending program)
Dataset sourcedAuto loansauto-loan-providers.json could not confirm a specific NMLS number or bank charter for Carvana's financing arm; carried forward as unconfirmed rather than guessed.
Consumers Credit Union (CCU)
Consumers Credit Union
Dataset sourcedAuto loansFederally insured credit union per auto-loan-providers.json; an NCUA charter number was not captured in this pass (NCUA's public tools could not be queried as structured data — see methodology doc).
Credit Acceptance
Credit Acceptance Corporation
Dataset sourcedAuto loansCarries a hand-verified 2023 CFPB + New York Attorney General suit (1:23-cv-00038) in the grading engine's regulatory-record dimension — see grading.ts.
Happy Money
Happy Money, Inc. (NMLS #1396805); loans funded by Happy Money's community-focused bank/credit union lending partners
Dataset sourcedPersonal loans- nmls: 1396805 (Happy Money, Inc.) — source (retrieved 2026-08-24)
OneMain Financial
OneMain Financial Group, LLC (NMLS #1339418), a subsidiary of OneMain Holdings, Inc.
Dataset sourcedPersonal loans- nmls: 1339418 (OneMain Financial Group, LLC) — source (retrieved 2026-08-24)
Santander Consumer / Chrysler Capital
Santander Consumer USA Inc. (auto-finance brand: Chrysler Capital, licensed from FCA US LLC/Stellantis)
Dataset sourcedAuto loansCarries a hand-verified 2020 34-state Attorney General coalition settlement in the grading engine's regulatory-record dimension — see grading.ts.
Universal Credit
An online lending brand associated with Upgrade, Inc.; exact originating-bank entity not independently confirmed in this review
Dataset sourcedPersonal loanspersonal-loan-providers.json explicitly states the originating-bank entity could not be independently confirmed; carried forward here rather than guessed.
Upgrade
Upgrade, Inc. (NMLS #1548935); loans made by Upgrade's bank partners
Dataset sourcedPersonal loans- nmls: 1548935 (Upgrade, Inc.) — source (retrieved 2026-08-24)
Upstart
Upstart Network, Inc. (NMLS #936133) operates the marketplace and is not itself the lender; loans are made by Upstart's regulated bank/credit union partners
Dataset sourcedPersonal loans- nmls: 936133 (Upstart Network, Inc.) — source (retrieved 2026-08-24)
Specific originating bank/credit-union partner is not named for a given loan in current sources, so no bank-level identifier is attached beyond Upstart Network's own NMLS number.
Westlake Financial
Westlake Services, LLC (d/b/a Westlake Financial Services), and subsidiary Wilshire Consumer Credit, LLC
Dataset sourcedAuto loansCarries a hand-verified 2015 CFPB consent order (Docket 2015-CFPB-0026) in the grading engine's regulatory-record dimension — see grading.ts. That enforcement history is scored there, not duplicated as a roster "identifier."
A real, well-known institution named to keep a known coverage gap visible. No registry identifier and no in-repo dataset behind it yet — always shown separately from the two tiers above.
BlueVine
BlueVine Capital Inc.
Listed, unverifiedBusiness — lines of creditBusiness line-of-credit and business-banking provider; its deposit/banking products are issued by Coastal Community Bank (FDIC Cert #34403, confirmed above under lendingpoint), but BlueVine's own lending entity is not itself a bank and no registry identifier for it was captured in this pass.
Not yet gradedFundbox
Fundbox, Inc.
Listed, unverifiedBusiness — lines of creditSmall-business line-of-credit and invoice-financing provider. Non-bank; no registry identifier captured in this pass.
Not yet gradedloanDepot
loanDepot.com, LLC (loanDepot, Inc.)
Listed, unverifiedMortgageA top-10 U.S. mortgage originator by volume; NMLS-licensed, not a bank. Same NMLS-verification gap as Rocket Mortgage.
Not yet gradedOnDeck
OnDeck Capital, Inc. (a brand of Enova International, Inc.)
Listed, unverifiedBusiness — lines of creditOnline small-business term-loan and line-of-credit lender; part of the same Enova International family of companies as NetCredit (see netcredit). Non-bank; not FDIC- or NCUA-registered, and state commercial-financing registries could not be queried as structured data in this pass.
Not yet gradedRocket Mortgage
Rocket Mortgage, LLC (Rocket Companies, Inc.)
Listed, unverifiedMortgageOne of the largest mortgage originators by volume in the U.S.; NMLS-licensed, not a bank. NMLS Consumer Access could not be queried as structured data in this pass, so no registry identifier is attached yet.
Not yet gradedUnited Wholesale Mortgage
United Wholesale Mortgage, LLC (UWM Holdings Corporation)
Listed, unverifiedMortgageOne of the largest mortgage originators by volume in the U.S.; NMLS-licensed, not a bank. Same NMLS-verification gap as Rocket Mortgage.
Not yet graded
Educational information — not advice
This page provides general educational information about credit, debt, and consumer protections. It is not legal advice, financial advice, or credit repair services, and reading it does not create any professional relationship. Laws, procedures, deadlines, and dollar amounts vary by state and change over time.
For advice about your specific situation, consult a licensed attorney or qualified financial professional. See our full disclaimer.