Corrections & Removal Policy

Any lender or institution we report on — or anyone who spots an error — may request a correction or removal. Requests from the institution itself (or its authorized representative) carry the most weight on disputes about reported terms, since they are the primary source.

Email david@refiloop.com with:

• The URL of the page in question
• The specific figure, term, or statement you dispute
• What you believe is correct, with any supporting documentation
• Who you are and your relationship to the institution, if any

We respond within 5 business days — either with the fix, a request for more information, or an explanation of why the data stands.

Factual errors get corrected, full stop. If we transcribed a county record wrong, mismatched an institution, or misstated a regulatory figure, we fix it as soon as it is verified.

Verifiable public-record data generally stays. Deed of trust recordings, FFIEC Call Report figures, NCUA filings, and published enforcement actions are public records. We will correct our reporting of them, but we do not remove accurate public-record data because an institution would prefer it unpublished.

First-party observations are reviewed case-by-case. Reported terms from our own lender conversations are dated observations, not public records. If an institution tells us an observation is outdated, unrepresentative, or was misunderstood, we will re-verify and update, annotate, or remove it as the facts warrant. When a lender provides current terms on the record, we would rather publish the fresh data than argue about the stale data.

Community-discussion summaries follow the same rule as first-party observations: we verify against the linked source and correct or remove summaries that misrepresent it.

Every reported term on this site carries the date it was observed, and regulatory data carries its reporting period. When we correct something, we update the affected page's modification date rather than silently rewriting history; material corrections are noted on the page. Observations that age out are marked stale or retired — an old observation with a visible date is information, but an undated one would be misinformation.

How the data is gathered in the first place: Data Sources & Methodology. The rules for using it: Terms of Use.