MASHINIi

Open Lending Corporation.

LPRO.US | Other financial service activities, except insurance and pension funding activities, n.e.c.

Open Lending Corporation provides lending enablement and risk analytics solutions for financial institutions in the United States. It operates through two segments, Lending Enablement and Risk Analytics. The Lending Enablement segment offers Lenders Protection Program, a loan analytics, risk-based p...Show More

Ethical Profile

Mixed.

Open Lending Corporation (LPRO.US) faces a mixed ethical assessment. The company delayed its 4Q24 earnings filing due to accounting review, raising potential financial restatement issues. A class action lawsuit alleges securities fraud over alleged misrepresentations of risk-based pricing models and loan valuations (2021-2024). No regulatory fines or confirmed wrongdoing have been reported. Employee satisfaction is high (4.7/5 Glassdoor, 97% recommended), with a 30:1 CEO pay ratio among the fairest in its sector. However, data on living wage or pay equity is unavailable. While aiming to expand auto loan access for near-prime borrowers, critics note loan fairness depends on lender terms. Algorithmic fairness in credit decisions, highlighted by CFPB reports, is a key tech concern.

Value Scores

Better Health for All0
-100100
Fair Money & Economic Opportunity0
-100100
Fair Pay & Worker Respect40
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business0
-100100
Kind to Animals0
-100100
No War, No Weapons0
-100100
Planet-Friendly Business0
-100100
Respect for Cultures & Communities0
-100100
Safe & Smart Tech0
-100100
Zero Waste & Sustainable Products0
-100100

Better Health for All

0

No evidence available to assess Open Lending Corporation on Better Health for All.

Fair Money & Economic Opportunity

0

No evidence available to assess Open Lending Corporation on Fair Money & Economic Opportunity.

Fair Pay & Worker Respect

40

In 2024, the CEO to median employee pay ratio was 30:1, with the CEO's total compensation at $5,071,681 and the median employee compensation at $169,978.

1
Employees rate the company 4.7 out of 5 stars for overall satisfaction, and 97% of employees would recommend working there.
2
The CEO approval rating is 100%.
3

Fair Trade & Ethical Sourcing

0

No evidence available to assess Open Lending Corporation on Fair Trade & Ethical Sourcing.

Honest & Fair Business

0

No specific, quantifiable evidence was found in the provided articles for any of the 'Honest & Fair Business' KPIs.

1
Information regarding regulatory fines, transparency index scores, whistleblower policies, financial restatements, audit coverage, ESG controversy scores, complaint resolution times, board conflict-free percentages, anti-corruption policies, or third-party verification of ethical claims was not explicitly stated or did not meet the quantitative thresholds of the rubric.
2

Kind to Animals

0

No evidence available to assess Open Lending Corporation on Kind to Animals.

No War, No Weapons

0

No evidence available to assess Open Lending Corporation on No War, No Weapons.

Planet-Friendly Business

0

No evidence available to assess Open Lending Corporation on Planet-Friendly Business.

Respect for Cultures & Communities

0

No evidence available to assess Open Lending Corporation on Respect for Cultures & Communities.

Safe & Smart Tech

0

Open Lending Corporation's privacy policy states that information transmission is encrypted using SSL technology.

1
The company's policy mentions compliance with applicable laws, specifically referencing California privacy rights (CCPA).
2
Users can request review and changes to their personal information, and opt out of certain products or services, with specific mechanisms for data access and deletion described.
3
The policy also states that data will be retained only as long as reasonably necessary for a legitimate business purpose.
4

Zero Waste & Sustainable Products

0

No specific, quantitative data regarding Open Lending Corporation's waste management, sustainable products, or zero-waste initiatives is available in the provided articles.

1
Information on waste diversion rates, product recyclability, packaging sustainability, recycled content, single-use plastic reduction, take-back programs, circular design, waste reduction initiatives, hazardous waste management, product durability, repairability, waste audit frequency, zero-waste certification, waste disposal violations, material efficiency, packaging-to-product ratio, waste reduction targets, supplier waste requirements, or customer waste education is not publicly disclosed.
2

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AI-generated analysis based on publicly available data. Not financial advice. Ratings are expressions of opinion derived from automated models and may contain inaccuracies. See our Risk Disclosure for full details.