Methodology

Where the rates come from

We collect mortgage rates daily from publicly available lender websites and show them as the lender publishes them. Rates change frequently; always confirm the current rate with the lender.

Every rate in the table shows when we last captured it — for example “6 hours ago” or “1 day ago”. A quote we have not captured again within 48 hours is not shown; it returns when we collect it again.

If our daily update is more than 26 hours old, the rates page says the update is delayed and names the date the rates were captured; past 48 hours, a red banner names the date of the last update and no rate is shown.

How lenders are ranked

Within each product, lenders are ordered by the lowest normalized rate — the interest rate adjusted for points (we add roughly a quarter-point of rate per point charged) so quotes are comparable on an apples-to-apples basis. The lowest effective cost appears first.

Ranking is payment-independent. Order is determined only by this objective measure — never by what a lender pays.

We are not paid for placement

RateBuck does not accept payment from lenders for ranking position, placement, clicks, or leads. No lender can buy a higher spot. When you click through to a lender, we record that a click happened (no personal information) so we can measure whether the comparison is useful — we are not paid for it.

Contact

Questions about how we rank: info@ratebuck.ai.