We have a 3rd party vendor that wants to establish a relationship where we give them our "criteria" for refinancing auto loans. They then go out and look at databases for people that fit that criteria - send them an application to refinance and then we get application and we decide if it meets our criteria or not. I'm struggling with this - it seems if we are giving our "prescreened" criteria - that we would have to make all loans sent our way. Am I over thinking this?