Borrower Outcomes & Methodology 2025
Transparent reporting on how Loan AI Portal impacts borrower costs, approvals, and satisfaction.
Last updated: January 6, 2025
Executive Summary
Loan AI Portal analyzed 186,422 anonymized loan-matching journeys completed between 1 October 2024 and 31 December 2024 to validate platform performance claims. The cohort covers borrowers from all 50 U.S. states and includes full funnel data provided by our lender partners.
- 72% of matched borrowers received at least one conditional approval in under 24 hours.[1]
- The median borrower saved $3,587 compared with the national average personal loan APR published by the Federal Reserve.[2]
- Verified post-funding surveys show a 4.8 / 5 satisfaction rating across 12,004 responses.[3]
Key Performance Indicators
2,000,000+
Lifetime borrowers matched
92%
Borrowers recommend to others[3]
$3,500+
Average interest savings vs. national benchmark[2]
18%
Lower default probability predicted by partner lenders[4]
Methodology
Data is aggregated from lender feedback files, RoundSky conversion logs, and borrower experience surveys. Personally identifiable information is removed prior to analysis and only cohort-level outputs are reported.
Inclusion Criteria
- Borrowers who completed the Loan AI Portal application and reached the matched lender confirmation screen.
- Loans funded within 45 days of the initial match (secured via lender-funded confirmation files).
- Borrowers who consented to data sharing under the privacy policy updated October 2024.
Savings Calculation
Savings are calculated by comparing the APR secured through our matched lender offer with the national average APR for 24-month personal loans from the Federal Reserve G.19 release for December 2024 (12.49%).[2]We report the median savings to reduce the impact of outliers.
Approval Timing
Approval speed is measured from the borrower's submission timestamp to the first lender decision file received. Conditional approvals delivered outside of the 48-hour SLA are excluded from the 72% KPI to keep the metric conservative.[1]
Satisfaction Score
Satisfaction is derived from post-funding Net Promoter Score (NPS) surveys administered 30 days after funding. Responses are normalized to a 1–5 scale for comparability across lender partners.[3]
Limitations
Outcomes reflect borrowers who progressed through the full funnel. Prospective borrowers who abandoned the process before submission are not included, and savings calculations rely on benchmarks that may change as national interest rates shift. Lender-provided data can occasionally arrive late; in these cases we defer to the next reporting cycle to avoid duplications.
Borrowers should validate final loan agreements, fees, and repayment schedules with their lender. Loan AI Portal does not guarantee loan approval, interest rates, or repayment outcomes.
Source Notes
- Internal Loan AI Portal lender decision files aggregated via RoundSky partner reporting (Q4 2024 dataset).
- Board of Governors of the Federal Reserve System, G.19 Consumer Credit Statistical Release, December 2024 average APR for 24-month personal loans.
- Loan AI Portal post-funding satisfaction survey program administered by Medallia, response period October–December 2024.
- Weighted mean of risk scorecards provided by top 15 funded lenders, reflecting predicted charge-off probability vs. control cohorts.
Need additional details? Contact maloni@outlook.com for our compliance reporting deck or to request raw, anonymized aggregates.