MCA field guide
MCA lender criteria changes
A living methodology for tracking dated changes to lender buy boxes without silently overwriting history.
What belongs in a change record
Record the lender, field changed, previous value, new value, effective or observed date, source, reviewer, and confidence. A refreshed timestamp without a field-level change is not a useful change report.
Why historical context matters
Brokers need to know whether a mismatch came from stale routing, a temporary program shift, or a newly verified policy. Lenders also need a correction path when public information is wrong.
How Lender List handles updates
Criteria remain attached to source status and date. Claimed pages establish ownership but do not silently change organic placement or matching criteria. Corrections are reviewed before publication, and material updates will appear in monthly reports as the history grows.
Methodology and corrections
This guide distinguishes calculations, common industry practice, and lender-specific policy. Criteria should be confirmed from the dated source on each lender profile. Report an error through the correction policy.