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: every way this site earns, on one page.
- Verification Policy: what the Verified (paid) label means and what was checked.
- How the order is set: the ordering rules, and the test that keeps payment out of them.
- Corrections: free for everyone, never tied to a payment.
- 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.