For lenders and their BDMs
Every day, brokers decide who to approach using what your policy documents say. Appetite reads those documents across 190 lenders and puts your position in front of a broker at the moment they are choosing.
Which makes one question worth your attention: is what we hold about you actually current?
Check your own lender
Type your lender's name. If we hold a published record for it, you will see the day it was last confirmed current. We do not publish the panel, so asking it directly is the only way to find out.
Nothing is stored, and no account is needed to ask. If your lender is not here, tell us and we will add it, at no cost, like everything else on this page.
The rule everything else sits under
Not for placement, not for priority, not for volume, not for a badge, not for advertising. There is no arrangement under which a lender could buy anything that touches what a broker sees, and there never will be.
That is not modesty, it is the product. The moment a lender can pay for position, every recommendation has to be defended against a commercial relationship, and the corpus stops being worth reading. So the ranking reads published policy and price, and it does not know whether a lender talks to us. That is enforced in the code and proven by a test that runs on every change, not promised in a paragraph like this one.
One
Appetite watches the published pages that matter for each lender. When a sweep finds your page unchanged, that is a dated confirmation the record we hold still matches what you publish. A lender confirmed within the last 30 days carries a verified badge where brokers see you.
Verified is a property of the data, never of the relationship. A lender with an enthusiastic BDM and a stale record is not verified. A lender who has never spoken to us and publishes accurately is.
Among lenders that are otherwise identical on every published measure, the same appetite, the same documentation standard, the same rate to the cent, the verified one is listed first. It cannot lift a lender over a cheaper one, or over one whose policy fits the deal better. It decides a tie, which is currently decided by nothing at all.
Two
Your BDM can get a free account and maintain your lender's policy, product and pricing record directly. Two rules make it safe for everyone:
Which means a BDM cannot quietly soften their own gates to widen their own routing, and that is deliberate, because that is the one change that would corrupt the corpus in the direction hardest to detect.
Three
A BDM with an account sees aggregate statistics about their own lender: how often your published policy put you in front of a deal, which of your own gates refused the most deals, and the shape of that flow by size, purpose, security, industry and state.
Your institution knows what it declined. It cannot know what it never saw because a broker's software ruled you out at the policy step. This is that.
It is your lender only. No ranking, no other lender, no comparison, anonymised or otherwise, and no figure computed on fewer than ten deals, because below that an aggregate stops being an aggregate. And it is free, like everything else here.
Four
Where your lender is on a recommended pathway, the broker can release that deal to you. Per deal, per lender, chosen each time, never a standing setting.
What arrives is the shape of the deal and the broker's contact details. What never arrives is the client's identity, or any signal about who else was assessed, how many others qualified, or where you ranked. You get a one lender view of a multi lender assessment, and you cannot tell from it whether you were first or fourth.
If you want to check what we hold about your lender, or get your BDM an account, start here.