About LendEval
Built for Borrowers.
Powered by Lender Logic.
LendEval was founded on a simple observation: most loan applicants have no idea how lenders actually evaluate them. We set out to change that — by putting the same Five C's framework lenders use directly in the hands of borrowers.
Our Mission
We believe every borrower — whether applying for a mortgage, a business loan, or investment property financing — deserves to understand their profile before they sit across from a lender.
Rejected applications damage credit scores, waste time, and cause unnecessary stress. LendEval gives you a comprehensive pre-application readiness score so you can identify weaknesses, strengthen your profile, and apply with confidence.
We are not a lender, broker, or lead generator. We are an educational tool — completely free, with no credit pulls, ever.
Our Core Values
Transparency
We show every score, every weight, and every flag — no black boxes.
Accuracy
Our evaluation engine mirrors real lender criteria across all Five C dimensions.
Education
We help you understand loan readiness, not just get a number.
Accessibility
Free, no credit pull, no sign-up wall. For every applicant.
Editorial Transparency & Underwriting Governance
LendEval maintains institutional underwriting credibility by pairing quantitative financial engineering with ongoing oversight from licensed credit specialists, former bank underwriters, and regulatory compliance professionals.
Underwriting Advisory Council & Editorial Reviewers
Peer-reviewed quarterlyMarcus Vance, CCIM, CRE
Senior Commercial Underwriting Lead
Former Senior Vice President of Credit at a regional commercial lending institution. Led underwriting committees managing $1.8B+ in commercial mortgages, construction facilities, and multifamily portfolios.
Elena Rostova, CPA, MBA
Chief Financial & SBA Policy Analyst
Former SBA PLP (Preferred Lender Program) credit officer and forensic accountant. Specialized in SBA 7(a) and 504 underwriting, discretionary add-back validation, and global cash flow analysis.
David K. Chen, Esq.
Financial Regulatory & Fair Lending Counsel
Former banking regulatory counsel advising commercial lenders on fair lending standards, adverse action notice requirements, consumer privacy disclosures, and algorithmic governance.
Four-Stage Editorial & Verification Protocol
All underwriting thresholds, debt-service requirements, and eligibility guidelines cite primary regulatory sources: SBA SOP 50 10, OCC Comptroller’s Handbooks, and FDIC Capital Standards.
Every calculator formula (DSCR, LTV, DTI, debt yield) is mathematically verified against institutional commercial bank underwriting software models.
Every action plan and educational guide undergoes blind review by at least one licensed credentialed reviewer (CCIM or CPA) prior to publication.
Content is recertified every 90 days. When federal benchmark rates or SBA procedural notices change, educational ranges are updated within 5 business days.
100% Commercial Editorial Independence
LendEval accepts zero financial incentives, sponsorship fees, referral commissions, or lead-generation payouts from lenders. Our evaluation engine is mathematically deterministic and completely unbiased toward any loan broker or bank.
Corrections & Feedback Policy
If you identify an outdated regulatory reference, benchmark discrepancy, or mathematical anomaly, our editorial board investigates within 48 hours. Direct corrections inquiries to editorial@lendereval.com.
Important Disclaimer
LendEval is an educational pre-application readiness tool. It does not constitute a formal credit decision, loan application, approval, denial, rate quote, or commitment to lend under ECOA, Reg B, FCRA, TILA, the Fair Housing Act, or any state equivalent. No credit bureau inquiry is made. Results are estimates only and should not be relied upon as financial, legal, or investment advice.