Rankings & Rates Methodology
Exactly how Bankerpedia 30 rankings and crowd-sourced Real Rates are built, and their limits.
Bankerpedia 30 rankings
Bankerpedia 30 ranks banks using community votes. To stop a handful of loud voices or a coordinated push from distorting the order, we do not rank by a simple average or vote count. We use the Wilson lower-bound score, a statistical method that asks: given the votes so far, what is the lowest rating we can be confident this bank truly deserves? A bank with 90 positive votes out of 100 ranks above a bank with 9 out of 10, because we have far more confidence in the larger sample.
This means a new bank with very few votes will not shoot to the top on a lucky streak, and rankings move gradually as real evidence accumulates. Our systems watch for unusual voting patterns, such as sudden spikes or coordinated campaigns, and flag them for human review. We never silently alter a published ranking based on an automated guess.
Real Rates
Real Rates are interest rates that real members report actually receiving, for products like home loans, personal loans and car loans. They are crowd-sourced, not official quotes. We show them so you can see what people around you are genuinely getting, which is often different from advertised rates.
Because they are self-reported, treat Real Rates as a crowd signal, not a guarantee. Each report carries the date it was submitted and, where given, the city and credit-score band, so you can judge how relevant it is to your situation. We flag rates that fall outside plausible ranges for a product for human review before they publish. Always confirm the current rate directly with the bank before acting.
Social proof numbers
View, helpful and share counts shown on content reflect genuine engagement. Every helpful tap, share and view a visitor adds is a real action that happened.
Corrections
When we get something wrong, we fix it and record it publicly in our corrections log.