The Referrals dashboard gives you a complete picture of your lending acquisition funnel. From the first soft credit check through to the final loan decision. Use it to understand where your applicants are coming from, how they are converting, and whether the outcomes justify the investment in each channel or campaign.
The Referrals dashboard showing the Soft Checks and Acquisitions sections
Filters
Use the filter bar at the top of the page to focus the data. All filters apply across all views.
Time Period
Select from preset ranges or set a custom date range to match a specific campaign period or reporting window.
Select a preset or enter a custom start and end date
Source
Use the Source filter to control which decisions are included, based on where the application originated. For example:
Source filter | What it includes | How rows are displayed |
All | All decisions from all sources — Loan Match, Broker, Dashboard, and any third-party integrations | One row per high-level source, with separate rows for each third-party (e.g. Broker via Comuno, Website via Progress) |
Loan Match | Decisions from your Loan Match widget on your own website only | One row per referral URL, including any query parameters |
Broker | Decisions from the NestEgg Broker platform only | One row per referral URL, including any query parameters |
Status
Filter by the current status of decisions:
In-progress — applications where a final decision has not yet been recorded
Complete — applications where a final outcome (accepted, declined, or withdrawn) has been reached
The Status filter affects which outcome values appear in the Acquisitions section. See below for details.
Loan and ID-Only switch
Loan decision data and ID-only decision data are shown separately. Use this switch to change which decision type you are looking at.
Product
Filter by a specific loan product to see how that product performs in isolation. This is particularly useful when comparing conversion rates across your product range.
Credit Profile
Filter by credit score band using the same ranges used elsewhere in the dashboard, such as in risk-based pricing. This lets you see how different borrower segments perform at each stage of the funnel.
Navigating the views
At the top of the main content area, three summary boxes display the total counts for the current filter selection:
Acquisition — the combined total of soft checks and applications
Soft Checks — the total number of soft credit checks run
Applications — the total number of full credit applications
Clicking a box switches the page to that view. The selected box is highlighted. The Acquisition view is the default.
Click Soft Checks or Applications to switch views. Click Acquisition to return to the default.
Acquisition
The Acquisition view is the default view. It shows a table summarising all decision activity (both soft checks and full applications) broken down by source.
Each row represents a source. Hover over a bar to see a tooltip breakdown of outcomes.
Note: You may see fewer soft checks than applications for a given period. This can happen if soft checks are only enabled for certain member types (for example, new members only), or if your product settings have changed over time.
What the columns show
Source — the channel or referral URL the applicant came from
Total — the combined count of soft checks and full applications for that source
Soft Checks — a proportional bar showing the split of Accept, Refer, and Decline outcomes across soft checks from that source
Applications — a proportional bar showing the split of Accept, Refer, Decline, and Pending outcomes across full applications from that source
Where a source has no soft check data, for example decisions that came in via the dashboard or a third-party broker, a dash is shown in the Soft Checks column.
Reading the bars
Each bar is colour-coded to show the proportion of each outcome at a glance:
Green — Accept
Red — Decline
Amber — Refer
Grey — Withdrawn
Blue — Pending (Applications only)
Hover over any bar to see a tooltip showing the exact count and percentage for each outcome. For example, hovering over an Applications bar might show: ACC 4 (6.6%), DEC 20 (32.8%), REF 27 (44.3%), PND 10 (16.4%).
Hover over any bar to see the full breakdown for that source
Referral URLs
When you select Loan Match or Broker as the Source filter, the table shows one row per referral URL, including the full URL and any query parameters (UTM tags, campaign identifiers, and so on) that were present when the applicant arrived at your landing page.
By default, the table shows one row per top-level source. For example, Website (NestEgg Loan Match) or Decision Dashboard (NestEgg). To see where within that source your applicants are coming from, select Loan Match or Broker from the Source filter. The table will update to show one row per referral URL, giving you a granular view of which pages, campaigns, or external sites are driving applications. For example, https://lm.facebook.com/, https://www.google.co.uk/, or a specific page on your own site such as https://examplecreditunion.co.uk/loans/consolidation-loan/
Referrer URL — the URL of the page the applicant was on before they reached your Loan Match page, such as a campaign landing page or a partner site.
Embedder URL — the URL of the page where your Loan Match widget is embedded, such as your loans page. Any UTM parameters on that page are also captured.
Note: Query parameters may appear in the referrer URL, the embedder URL, or both. The table displays both so you can see where parameters were passed. Referral URL data may not be equally available for all broker decisions.
Each row represents a unique referral URL when viewing Loan Match or Broker
Sorting and pagination
The table defaults to sorting alphabetically by source. Click any column header to sort by that column. Use the rows-per-page control to adjust how many rows are shown. The default is 20.
Soft Checks
Click the Soft Checks box to switch to this view. It shows the volume and outcome of soft credit checks (pre-qualification decisions) run through NestEgg. Soft checks carry a lighter credit footprint and are typically the first step before a member completes a full application.
The Soft Checks view with outcome key and chart. Each bar represents a month or day depending on the time period selected.
Outcome colour key
The left-hand side of the view displays a description of each outcome and its colour, which also acts as the key for the chart:
Accept (green) — applicants found to have a good to excellent chance of being accepted for your products
Refer (amber) — applicants found to have a fair chance of being accepted for your products
Decline (red) — applicants found to be unlikely to be accepted for your products
The chart
The chart on the right shows soft check volumes over time as stacked bars, colour-coded by outcome. How the data is grouped depends on the Time Period filter:
This Year, Last Year, or a custom range spanning multiple months — one bar per month
This Month, Last Month, or a short custom range — one bar per day that had at least one soft check
Days or months with no soft check activity are not shown. Hover over any bar to see the exact count for each outcome in that period.
Each bar represents one month. Hover over a bar for a full outcome breakdown.
Applications
Click the Applications box to switch to this view. It shows the outcome of full credit applications (hard checks) over time, using the same chart format as the Soft Checks view.
The Applications view with outcome key and chart
Outcome colour key
The left-hand side of the view describes each outcome and its colour:
Accept (green) — applications found to have a good or excellent chance of being accepted according to your rules or have been completed as Accept
Refer (amber) — applications found to have a fair chance of being accepted according to your rules
Decline (red) — applications found to have a low chance of being accepted according to your rules, or have been completed as Decline
Withdrawn (grey) — applications that have been withdrawn
Pending (blue) — applications awaiting an initial decision, which may be due to an incomplete Open Banking connection or an error
The chart
The chart shows full application volumes over time as stacked bars, colour-coded by outcome. The same grouping logic applies as in the Soft Checks view; monthly bars for longer periods, daily bars for shorter ones. Hover over any bar for a full outcome breakdown.
How the Status filter affects the Applications columns
The outcome values shown for Applications depend on which Status filter is selected:
Status filter | Applications included | Outcome values shown |
All | All hard check decisions, regardless of whether a final result exists | PENDING, ACCEPT, REFER, DECLINE |
In-progress | Hard check decisions where no final result has been recorded yet | PENDING, ACCEPT, REFER, DECLINE |
Complete | Hard check decisions where a final outcome has been recorded | ACCEPT, DECLINE, WITHDRAW |
Use case and benefits
Primary use case
The Referrals dashboard is designed to help lending managers and marketing teams close the loop between acquisition activity and lending outcomes. By bringing soft check data and full application outcomes into one place, it supports:
Assessing whether pre-qualification criteria are working effectively
Understanding where applicants drop off between soft check and full application
Identifying which campaigns and referral sources generate quality borrowers, not just volume
Operational benefits
Using this dashboard, you can:
Reduce your cost to acquire accepted borrowers by reallocating budget away from channels that generate high decline rates
Improve your soft check criteria by comparing soft check outcomes against the eventual full application outcomes from the same applicants
Report marketing ROI with confidence by linking campaign spend to approval rates and loan outcomes, rather than relying on application volume as a proxy for success
Segment performance by product and credit profile to understand which borrower types benefit most from a soft check journey
Growth impact
Lenders who understand their acquisition funnel are better placed to grow efficiently. By making the connection between marketing activity and lending outcomes visible, this dashboard helps you target the right audiences, justify budget decisions, and increase approval rates without lowering credit standards.
Things worth knowing
Why does the Total column include both soft checks and full applications?
The Total figure gives you a single number representing all decision activity from a given source, both pre-qualification (soft) and full credit (hard) checks. This makes it easier to compare overall volume across channels at a glance.
Why do I have more applications than soft checks?
This is expected in some cases. Soft checks may only be enabled for certain member types, for example new members but not existing ones, or your product settings may have changed over time, meaning some applications were processed as hard checks only before soft checks were introduced.
Why do I see PENDING in the outcomes?
PENDING appears when a full application has been initiated but no outcome has yet been recorded. Typically because it is still being processed. Switch the Status filter to Complete if you only want to see finalised outcomes.
Why are some referral URLs missing query parameters?
Query parameters are only captured if they were present in the URL when the applicant reached your Loan Match page. If a campaign link does not include UTM tags, or if parameters were stripped by the referring site or browser, they will not appear. Make sure your campaign URLs consistently include tracking parameters.
Why does the Soft Checks column show a dash for some sources?
Soft checks are only available for certain sources, primarily Loan Match on your own website. Sources such as the NestEgg Dashboard or third-party integrations do not have soft check data, so a dash is displayed for those rows.
The data doesn't match what I expected — what should I check?
Check that the Time Period filter covers the dates you are interested in
Check that the Source filter is set correctly — All includes every channel, which may be aggregating numbers you want to see separately
Check that the Status filter matches your need — in-progress applications show different outcome values to complete ones
If you are investigating a specific campaign, confirm that the referral URLs you are looking for include the expected UTM parameters
If you are still seeing unexpected results, contact NestEgg support via [email protected] or your Customer Success Manager
Precision Lending Report
Referral analytics tells you what's happening in your lending funnel. A more powerful insight comes from connecting that data to your risk profile and bad rate outcomes.
NestEgg is offering a one-off Precision Lending Report that identifies your ideal target borrower by channel, credit profile, and product, and gives you a 5 step action plan to act on it. Hit an agreed conversion target and you get the forthcoming Growth Dashboard free for 90 days.
Contact [email protected] for more info