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Wirly

Editorial guidelines

Last updated: March 2026

How our content is created

Wirly uses AI-assisted drafting as part of a multi-step editorial process. Every article goes through the following stages before publication:

  1. Research and data gathering: Each factual claim is anchored to a named government source. The specific dataset is cited inline on the page where the claim appears.
  2. AI-assisted drafting: Initial content is drafted with AI writing tools, structured around verified data points and CFPB consumer guidance.
  3. Quality validation: Every article passes through automated quality checks for minimum word count, internal linking, data attribution, and YMYL compliance before it reaches an editor.
  4. Human editorial review: The Wirly editorial team reviews all content for accuracy, clarity, proper hedging of financial claims, and compliance with our data standards before publishing.
  5. Source attribution: Every published article cites the data behind each claim inline, linked to the specific dataset.

Editorial independence

Affiliate relationships do not influence Wirly's editorial content, lender rankings, or recommendations. Specifically:

  • No lender can pay for a higher ranking or favorable editorial coverage
  • Calculator math is independent of any business relationship
  • Non-partner lenders are included in comparisons based on HMDA data and consumer relevance
  • Editorial decisions are made by the Wirly editorial team, not by advertising partners

For details on how affiliate compensation works, see how we make money.

Data standards

All financial data on Wirly comes from federal agencies. The specific dataset behind each claim is cited inline on the page where the claim appears, with a link to the source so the figure is verifiable against the primary record. We do not use unverified third-party aggregator data.

Corrections policy

If we identify an error in published content, we correct it promptly and note the correction on the page with the date it was made. If the error affected a calculator or data display, we review the underlying logic to prevent recurrence.

If you believe something on Wirly is inaccurate, please contact us at [email protected]. We investigate all reported errors.

Review cadence

  • Rate data: Updated daily from the FRED API
  • Lender profiles: Reviewed quarterly for accuracy of credit requirements, loan types, and fee descriptions
  • Educational guides: Reviewed periodically and updated when regulations, market conditions, or best practices change
  • Calculator logic: Reviewed when standard amortization formulas or industry conventions change
  • HMDA data: Updated annually when the CFPB publishes new aggregate data

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