Not a Lender — What RateRankings Is (and Isn't)

Last updated: October 26, 2026

RateRankings is an information and comparison service. Nothing more — and that's deliberate.

RateRankings is not:

• a lender,
• a mortgage broker or loan originator,
• a loan arranger or lead seller,
• an insurance agent or broker,
• a credit card issuer,
• or a financial advisor.

What that means in practice

• We don't arrange financing. We publish advertised rates collected from public sources so you can see who is offering what. Every application, negotiation, and credit decision happens between you and the lender — directly, on their site, under their rules.
• We don't take applications. We never ask for the information a lender needs to decide on a loan — no Social Security numbers, no income documents, no credit authorization. If you're being asked for those, you're on the lender's site, not ours.
• We don't make credit decisions. We can't approve you, pre-approve you, or tell you what rate you'll personally get. Only the lender can.
• We don't give personal financial advice. The site shows advertised terms and explains them in plain English. What's right for your situation is a decision for you — or for a licensed professional you choose to consult.
• Mortgage content is educational. Any mortgage-related rates or explanations on this site are general, display-only information — benchmarks and education to help you understand the market — not a mortgage offer, quote, or referral service.

Why we say it this plainly

Comparison sites blur this line on purpose, because sounding like a lender makes people hand over personal information. We'd rather be exact: information in, links out, you decide. If you want a loan or a card, the lender's own application — reached through our link or on your own — is where that happens, and the lender's disclosures are the ones that count.

Questions: contact@raterankings.com