Empirical lender matching

The ranked way to find your mortgage.

We score every major lender using real HMDA loan data, CFPB complaint records, and NMLS licensing history — then match you to the one that actually performs for your specific property and profile.

No pay-to-play rankings
100% free for borrowers
Powered by public loan data
Get your lender matches
Enter your property details to see ranked lenders in under 60 seconds.
Free for borrowers. No spam. No obligation.
Data sourced from HMDA · CFPB · NMLS public records.
Your Ranked Lender Matches
Based on your profile and public loan performance data
How it works
Data first. Rankings second. Your match third.
01
You enter your property profile
State, property value, loan type, credit band, and down payment. Takes 30 seconds. No personal info required to see results.
02
We score every major lender
Our algorithm pulls HMDA approval rates, CFPB complaint data, and NMLS compliance records — all public, all real, none paid for.
03
You get an empirical ranked list
Lenders are ranked by how they actually perform for borrowers like you — not by who paid for placement. Connect with confidence.
18M+
Loan records analyzed
5,000+
Lenders scored
$0
Cost to borrowers
0
Pay-to-play rankings
Why RankedRate
LendingTree sells leads.
We sell the truth.
Traditional aggregators
❌ Lenders pay to appear at the top
❌ Your info sold to 5+ lenders at once
❌ No complaint data surfaced
❌ Same lead goes to highest bidder
❌ Zero approval rate transparency
❌ Anonymous, low-intent matching
RankedRate
✓ Rankings based entirely on public loan data
✓ You choose who to contact — no spam
✓ CFPB complaint rate shown for every lender
✓ One ranked match, not a lead auction
✓ Approval rates by loan type and geography
✓ Your property data = more precise match
The data
Three public datasets. One honest ranking.
📊
HMDA — Home Mortgage Disclosure Act
Every mortgage loan application in the U.S. — 18M+ records. We analyze approval rates, denial reasons, and rate spreads by lender, loan type, and geography.
🛡️
CFPB Complaint Database
Every consumer complaint filed against a mortgage lender. We calculate complaint rates per 1,000 loans — a lender's biggest secret, now surfaced for every borrower.
✅
NMLS — Nationwide Licensing
Active license verification, regulatory history, and compliance standing for every lender. Only fully licensed, compliant lenders appear in your results.