Editorial Policy

Our editorial standards

RateZip has tracked published bank and lender rates since 2007. People make six-figure decisions on what they read here, so here is what we hold ourselves to.

How we make money

RateZip is free to read and supported by partners. When you compare rates, request a quote, or connect with a lender through this site, that provider may pay us. Compensation can affect which partners appear and where they sit on the page. It does not affect what we report.When the honest answer is “wait,” “don't refinance,” or “this product is wrong for you,” that is what we write.

RateZip is operated by Peklava LLC, DBA RateZip, a licensed mortgage broker, NMLS ID 1592292. You can verify our license at NMLS Consumer Access.

What we promise

• Real numbers, dated.

  Every rate we publish is date-stamped and sourced. If a figure moves, the article carries the time it was last updated.

• Guidance before offers.

  An article explains how to decide before it shows you anyone to decide with.

• Plain English.

  If a sentence needs a finance degree, we rewrite it.

• No fear-selling.

  We do not write “act now” or “rates are about to spike.” We do not sell through urgency, and we drop partners who do.

• Advertising is labeled.

  Rate tables and partner links are marked as what they are, every time.

• Corrections in public.

  When we get something wrong we fix it and say so on the page. See our corrections policy.

How we report rates

Our rate figures come from lenders' own published rates, collected continuously and reconciled daily. We publish the methodology behind every recurring series, including the Mortgage Demand Index. We do not accept payment to change a published rate, ever.

Who writes this

Every article carries a byline linking to a real person with a real author page. Nothing publishes without a named human editor reviewing it. See our AI disclosure for how we use automation and where the human sits in that process.

Reaching us

Editorial questions, corrections, and press: editorial@ratezip.com
Peklava LLC, DBA RateZip · 59 Grove Street, Unit 2J, New Canaan, CT 06840