Wirly Editorial Team

What we do

The Wirly Editorial Team produces data-driven mortgage refinance guides, tools, and analysis. Our content covers current rates, lender comparisons, state-level refinance data, and educational resources for homeowners considering refinancing.

Our data sources

Our content is powered by government data sources including:

• HMDA (Home Mortgage Disclosure Act) - lending volume, approval rates, and denial data by state and lender
• FRED (Federal Reserve Economic Data) - daily and weekly mortgage rate data
• CFPB (Consumer Financial Protection Bureau) - consumer protection guidance and complaint data
• Freddie Mac PMMS - weekly national average rate benchmarks
• U.S. Census Bureau - housing and demographic data
• FHFA (Federal Housing Finance Agency) - house price indices and conforming loan limits

Our editorial process

Wirly uses AI-assisted research and writing tools, with human editorial review on all published content. Every article is fact-checked against primary data sources before publication.

1. Research - Government data is collected and analyzed from HMDA, FRED, and CFPB sources
2. Drafting - Content is generated using AI writing tools with data context
3. Review - Every article undergoes editorial review for accuracy, tone, and YMYL compliance
4. Fact-checking - All data claims are verified against source datasets
5. Publication - Content is published with source attribution and review dates

For full details, see our editorial guidelines.

Our standards

As a publisher of financial content, we follow YMYL (Your Money or Your Life) quality standards:

• Every factual claim is attributed to a specific data source
• All refinancing content includes risks and considerations, not just benefits
• We use hedged language (could, may, estimated) for financial projections
• We disclose that Wirly is not a lender or mortgage broker
• We are transparent about our revenue model

Contact

Questions about our content or editorial process? Reach us at our contact page.