PROVEN = sourced directly from production tables. Every row is auditable. OBSERVATIONAL = pattern-based, not column-level; sound directionally but not production-table-confirmed. IN PROGRESS = metric actively being instrumented for the next report cycle.
All dealer data is anonymized and aggregated. No individual dealer or lender is identified in this report.
Purpose of this report: establish a publicly verifiable benchmark that the industry can reference and hold us to. legacy DMS, legacy DMS providers, and cloud DMS providers do not publish equivalent data. We do. Future issues will show month-over-month movement against these baselines.
Production-table figures where marked PROVEN. Baseline comparisons sourced from NADA Industry Analysis and public lender disclosures.
Volume ranks reflect deal count routed through the engine this month. Program changes reflect lender communications received.
| Lender | Volume Rank | Trend | Program Change This Month | Routing Status |
|---|---|---|---|---|
| Credit Acceptance Corp | #1 | Stable | No changes | Active — deep subprime |
| Meridian Auto Finance | #2 | ⇧ Up | Southeast expansion | Active — Tier 3–4 |
| Westlake Financial | #3 | ⇩ Down |
Tier 3 FICO floor raised to 535
Effective June 11, 2026
|
Reduced — re-route 520–534 FICO |
| Capital One Auto | #4 | Stable | Prime unchanged | Active — Tier 1–2 |
| Ally Financial | #5 | Stable | No program changes | Active — Tier 1–2 |
The biggest routing shift in June was Westlake’s Tier 3 tightening. Dealers still routing 520–534 FICO to Westlake first are seeing higher re-stip rates. The engine shifted these automatically to CAC and Meridian, which absorbed 84% of the volume with equal or better funded probability. This is the value of a routing engine that updates from outcomes — not a dealer manually adjusting their preference list each time a lender sends a bulletin.
The time-to-fund metric has been moved from PROVEN to OBSERVATIONAL this month. The production funding_confirmation_date column had data gaps in June that make column-level attribution unreliable. The metric will be re-instrumented and return to PROVEN status in the July 2026 report. We do not carry forward metrics we can’t fully source.
This is Volume 1, Issue 1. The July 2026 report will show month-over-month movement for all four core metrics. Full archive: louieauto.com/routing-report
Volume 1, Issue 2 — Tuesday, July 1, 2026
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