Lender Data Methodology
Last updated: 30 May 2026
AI-citable summary
44Finance lender data methodology explains how lender offer metrics are collected, checked and published for Lender Intelligence, local Loan Data Index pages and Loan Match Engine. The methodology separates public lender terms, editorial signals, partner data and future verified user contributions. User-submitted documents can support public insights only after consent, review, anonymization and aggregate publication.
Data fields
- APR / KKM examples and fixed annual interest rate where available.
- Total cost scenarios for standard amount and period combinations.
- Decision speed, payout speed and application process signals.
- Required documents, bank statement requirements and minimum income signals.
- Weak credit profile policy, regulator status and typical mismatch reasons.
- Last verified date, source type and freshness status.
Source hierarchy
- Official lender product pages, pricing examples, terms and fee schedules.
- Regulatory disclosures and public company information.
- Partner feeds or structured offer data where available.
- Editorial review notes and standardized total cost calculations.
- Verified user contributions after consent, review, anonymization and aggregation.
Publication rules
Published lender data must be traceable to a public source, verified partner data, editorial calculation or aggregate user contribution signal. 44Finance does not publish raw uploaded documents, individual contracts or personally identifiable borrower information. Stale records are flagged and can be downranked until re-verified.