Verification Policy

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

The three listing 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.

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. Work at a lender? Find and claim your page, free.

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.

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