Our Methodology
Transparency is at the heart of everything we do. Learn how we evaluate, verify, and rank mortgage lenders to help you make informed decisions.
How We Evaluate Lenders
Our comprehensive evaluation process combines multiple data sources, regulatory verification, and customer feedback to provide accurate, unbiased lender rankings.
Our Commitment to Accuracy
We believe that finding the right mortgage lender should be based on reliable, verifiable information. That's why we've developed a rigorous methodology that goes beyond simple aggregation.
Our team regularly audits our data sources, updates our verification processes, and refines our algorithms to ensure the most accurate and helpful information for homebuyers.
Scoring Factors
Our lender scores are calculated using a weighted combination of these key factors.
Licensing & Compliance
We verify that every lender holds proper state and federal licenses, including NMLS registration and compliance with all applicable regulations.
Customer Reviews
We aggregate and analyze customer reviews from multiple sources to provide an accurate picture of each lender's service quality and customer satisfaction.
Rate Competitiveness
We evaluate how competitive each lender's rates and fees are compared to market averages and other lenders in the same area.
Customer Service
We assess responsiveness, communication quality, and overall customer experience based on feedback and mystery shopping.
Business Stability
We consider factors like years in business, financial stability, and market presence to ensure lenders are reliable long-term partners.
Industry Recognition
We factor in industry awards, certifications, and recognition from professional organizations.
Verification Process
Every lender in our directory goes through our comprehensive verification process.
Initial Screening
Every lender undergoes an initial screening to verify basic licensing and registration requirements.
License Verification
We verify all state and federal licenses through official regulatory databases including the NMLS Consumer Access portal.
Compliance Check
We review regulatory records for any complaints, violations, or enforcement actions.
Review Aggregation
We collect and analyze customer reviews from multiple verified sources to build a comprehensive picture.
Scoring & Ranking
Our proprietary algorithm calculates an overall score based on weighted factors.
Ongoing Monitoring
We continuously monitor lenders for changes in licensing status, new reviews, and regulatory actions.
Our Data Sources
We rely on authoritative, verified sources to ensure accuracy.
NMLS Consumer Access
Official licensing verification
State Regulatory Agencies
State-level compliance data
CFPB Complaint Database
Consumer complaint records
Verified Customer Reviews
Authenticated feedback
Better Business Bureau
Business ratings and complaints
Industry Publications
Awards and recognition
Independence & Objectivity
Our rankings are based solely on our evaluation criteria. Lenders cannot pay for higher rankings or preferred placement. This independence ensures you receive unbiased, trustworthy recommendations.
Learn More About Us