Some lenders cannot subscribe to Padzilly, and some let a subscription lapse. It is common with larger lenders and banks, where any outside platform needs system-wide approval and integration work before an individual loan officer may use it.
It is not a dead end. Here is what actually happens and what you can do.
Padzilly stops using your lender's real approval, because there is no longer one in the system. Instead you fall back to a Temporary Loan Profile: Padzilly assumes a conventional loan with 5% down and uses the payment and funds limits you set yourself.
What keeps working:
The MLS search and all the filters
Payment and cash-to-close figures on every home
OfferPro — offer price, down payment, seller contribution
AutoQualify
Favorites, comparison, saved searches and alerts
Importing listings from other sites
What you lose: the accuracy. The figures are now built on an assumption rather than on your lender's decision, and that matters in two ways — your real rate will differ, and your lender's own rules (such as a minimum qualifying property tax) are no longer applied.
1. Invite them anyway. Use LoanLink in your profile with their name and email. Officers who assumed they could not participate often can. This costs nothing and takes a minute.
2. Ask about another officer at the same firm. Participation is frequently per-officer rather than per-institution. Someone down the hall may already be set up.
3. Ask your real estate agent. Agents work with several loan officers and usually know which of them are on Padzilly already. This is the fastest route for most buyers.
4. Ask Padzilly support about a direct buyer subscription. There is a one-time buyer subscription in Padzilly, and support can tell you its current status and what it would mean for your account. If it is available to you, it involves requesting two documents from your lender — your URLA (Uniform Residential Loan Application) and an Itemization of Amount Financed — from which a loan profile can be built for you.
So that the choice is clear, this is what comes back when a participating officer uploads your approval:
Your actual rate, loan program and limits applied to every listing
Your lender's own property-tax and qualification rules
Payment and cash figures you can make an offer on
Qualification letters calculated from your real approval — the document a seller's agent takes seriously
That last one is the real difference. A letter built from your lender's approval carries weight in a negotiation. An estimate does not.
Do not stop. Use the temporary profile, save the homes you like, and keep notes on them. When a participating loan officer does come into the picture, every number on every home you saved recalculates against the real approval — and your shortlist is waiting for you rather than needing to be rebuilt.
