I ve worked in an equivalent of lending tree. Literally no one in our company, no one, cared about loans. We were a marketing front for banks, spoke only to ban

I ve worked in an equivalent of lending tree. Literally no one in our company, no one, cared about loans. We were a marketing front for banks, spoke only to banks, optimized "funnels" to, well, funnel the poor souls to them, whatever the law allowed us to do. I had never met any sort of "lending expert" in that company, only SEO experts, data miners, adwords optimizers, former bank marketing managers, email copywriters, javascript programmers, etc. I work in a bank now, and we can calculate interest rate, understand consumer default profiles, calculate acceptable risk ratio for our own capital, all those stuff that have to do with loans. Point is, you cannot expect an externalized marketing department to do what you suggest. They dont care about borrowers one bit, lending is not their jobs. Banks just want to start a relationship with people and send whatever they can to whomever present an email adress, and they ll pay their marketing guys by the amount of converted leads.