About MortgageGrades

Choosing a mortgage lender is one of the largest financial decisions most people make, and almost everything published about lenders is either advertising or a review from someone whose experience may have nothing to do with yours. Meanwhile, sitting in a federal database, is a record of every application each lender received, what it decided, what it charged and why it said no.

MortgageGrades exists to make that record readable. We compute, for every lender, the odds an application was approved, the rates and costs borrowers actually received, and how often the process fell apart, and we rank each of those against comparable lenders. The result is a letter grade with the working shown underneath it.

Three rules

• Every number comes from a federal file. We add comparisons and grades; we never add facts.
• No lender can buy a grade. There is no featured placement, no sponsored ranking, no paid badge. Advertising on the site is clearly labelled and never touches a grade or a ranking.
• The method is public. The complete formula is on the methodology page. If you can read a table you can reproduce any grade on this site.

Who we are

MortgageGrades is built and maintained by Syntara Technologies, a data-publishing studio that runs independent grading sites in other regulated industries. We are not a lender, a broker or a lead generator, and we do not take applications.

Contact

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