Due to my job, I’ve got all the historical data on every lender in most regions. RVs, rates, residuals and all applicable rebates. Going back about 6 yrs.
I have tried forecasting each component on every lender and found that there is nothing predictive within the Ally RVs themselves. Their adjustments are all done relative to ALG’s RVs and those adjustments (usually in the +5 to +8 range) occasionally change in tandem with their rate changes or if they push into a new brand.
Plus there are very few models currently where Ally has the best program.
US Bank is almost always -1 or -2 relative to ALG. But their rates are changing more frequently at the model-level to feather volume.
There is a fairly cheap desking tool called LeaseScan that dealers pay about $1k/mo that may give you access to all the programs around the country. I’m sure they would license it to a broker. From the screen shots and a YouTube video with a demo of it back in 2011, it’s pretty retro and I doubt much has changed.