In Q2 2026, 50 institutions holding at least $5M in held-for-sale loans reported increases in HFS balances. SOFI BANK NATIONAL ASSN led the cohort, with HFS loans rising +$4.3B to $29.5B, followed by UNITED COMMUNITY BANK and USAA FEDERAL SAVINGS BANK, each posting gains of +$1.9B and +$1.3B respectively.

HFS Loan Pool Surges

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Rank	Institution	Source	State	loans_held_for_sale_qoq_delta
1	SOFI BANK NATIONAL ASSN	BANK	UT	429103800000.0%
2	UNITED COMMUNITY BANK	BANK	SC	192134700000.0%
3	USAA FEDERAL SAVINGS BANK	BANK	AZ	125600000000.0%
4	HUNTINGTON NATIONAL BANK	BANK	OH	81275300000.0%
5	BANC OF CALIFORNIA	BANK	CA	65612200000.0%
6	WESTERN ALLIANCE BANK	BANK	AZ	50814400000.0%
7	PINNACLE BANK	BANK	TN	40066600000.0%
8	NEXBANK	BANK	TX	38765700000.0%
9	KEYBANK NATIONAL ASSN	BANK	OH	32193600000.0%
10	TRUIST BANK	BANK	NC	28700000000.0%
40 more institutions match this list. Unlock metric values for every row, column sort, archives, and CSV export with Mastermind. Unlock with Mastermind

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Rank	Institution	Source	State	loans_held_for_sale_qoq_delta	Trend
11	CENLAR FSB	BANK	NJ	████	████
12	PLAINSCAPITAL BANK	BANK	TX	████	████
13	PNC BANK NATIONAL ASSN	BANK	DE	████	████
14	CORNERSTONE CAPITAL BANK SSB	BANK	TX	████	████
15	NATIONAL COOP BANK N A	BANK	OH	████	████
16	WEBBANK	BANK	UT	████	████
17	STRIDE BANK NATIONAL ASSN	BANK	OK	████	████
18	REGIONS BANK	BANK	AL	████	████
19	TOWNEBANK	BANK	VA	████	████
20	U S BANK NATIONAL ASSN	BANK	OH	████	████
21	CIBC BANK USA	BANK	IL	████	████
22	CELTIC BANK	BANK	UT	████	████
23	BELL BANK	BANK	ND	████	████
24	BANCO POPULAR DE PUERTO RICO	BANK	PR	████	████
25	CAPITAL ONE NATIONAL ASSN	BANK	VA	████	████
26	SOUTHSTATE BANK NA	BANK	FL	████	████
27	LIVE OAK BANKING CO	BANK	NC	████	████
28	ALLY BANK	BANK	UT	████	████
29	ORANGE BANK&TRUST CO	BANK	NY	████	████
30	FORBRIGHT BANK	BANK	MD	████	████
31	DART BANK	BANK	MI	████	████
32	FIRST ELECTRONIC BANK	BANK	UT	████	████
33	PATHWARD NATIONAL ASSN	BANK	SD	████	████
34	FINWISE BANK	BANK	UT	████	████
35	LEADER BANK NATIONAL ASSN	BANK	MA	████	████
36	CUSTOMERS BANK	BANK	PA	████	████
37	QUONTIC BANK	BANK	NY	████	████
38	NANO BANC	BANK	CA	████	████
39	UNIVERSITY BANK	BANK	MI	████	████
40	WEST GATE BANK	BANK	NE	████	████
41	STIFEL BANK&TRUST	BANK	MO	████	████
42	FIRSTRUST SAVINGS BANK	BANK	PA	████	████
43	IXONIA BANK	BANK	WI	████	████
44	BARRINGTON B&T CO NA	BANK	IL	████	████
45	TEXAS EXCHANGE BANK	BANK	TX	████	████
46	FIRST COMMUNITY BANK OF TN	BANK	TN	████	████
47	ASSOCIATED BANK NA	BANK	WI	████	████
48	FULTON BANK NATIONAL ASSN	BANK	PA	████	████
49	COASTAL STATES BANK	BANK	SC	████	████
50	FLORIDA CAPITAL BANK NA	BANK	FL	████	████

Methodology

This card ranks banks whose loans-held-for-sale (HFS) balance rose at least $5 million quarter-over-quarter, and surfaces the top 50 by dollar increase. HFS balance: FFIEC Call Report Schedule RC line 4.a (RCFD5369 consolidated; RCON5369 for filers without foreign offices). A rising HFS balance can signal portfolio repositioning, securitization staging, or distress-driven sales — the card surfaces the movement; what it means depends on the bank's broader credit quality and capital position.

Learn more about HFS Surges →