Every decision has an outcome. Now there's data behind it
The first Findigs State of Decisioning Report, built from what our network observed, from who applies to what happens after move-in.
How long decisions take, and how many applications cancel while they wait
Approval rates by credit band, and the credit floors operators actually set
Eviction and skip rates through month 12 of the lease
What's in this edition
The Q3 2026 edition covers decision speed, drop-off, after-hours demand, approval and decline, post-lease outcomes, and fraud signals. Its application data spans 68,689 submitted applicant groups across 42 states and D.C., and every figure states its denominator and exclusions beside it.
Where this data comes from
Observed, not surveyed: every figure in the report comes from activity on the Findigs platform.
Who's applying
Income, credit, roommates, guarantors, pets
What happens to their application
Approved, declined, or canceled
What happens after they move in
Do they pay, or does it end in eviction or a skip?
Two numbers from this edition
of applications still waiting after 48 hours end in cancellation, nearly 1 in 5
of applications come in outside 9-to-5 business hours. Only 28% of decisions do.
Source: The Findigs State of Decisioning, Q3 2026, page 7. Cancellations as a share of terminal outcomes for applicant groups resolved after more than 48 hours, vs 2.2% within the first hour, Jul 1 to Sep 30, 2026. Source: The Findigs State of Decisioning, Q3 2026, page 3. Business hours are 9am to 5pm in the unit's time zone, any day of the week (page 16), Jul 1 to Sep 30, 2026.