Market Ledger
Independent rankings and insights for mortgage and advisory markets
Market Ledger is an independent editorial and assessment institution publishing criteria-based indexes, rankings and market intelligence for mortgage and advisory professionals across North America.
We focus on transparency, risk communication and long-term structural signals rather than promotion, lead generation or short-term performance claims.
From the Editorial Office
Market Ledger was established to serve as a durable reference point within fragmented mortgage and advisory markets.
Our work is designed to be read slowly, cited carefully and evaluated critically.
We publish assessments, not endorsements.
If you are reading Market Ledger at this stage, you are encountering the publication before its indexes become benchmarks and before its assessments become widely referenced.
That timing is intentional.
— The Editorial Office
Latest Publications
Transparency as a Competitive Signal in Mortgage Brokerage
Why Risk Communication Matters More Than Product Breadth
The Fragmentation Problem in North American Mortgage Advisory
Indexes & Frameworks
- Mortgage Brokerage Transparency Index — North America (Pilot, Active)
- Non-QM Lender Disclosure Index (Planned)
- Advisory Services Transparency Index (Planned)
All indexes are published under documented methodologies and updated on a defined schedule.
How to Read Market Ledger
Market Ledger publishes:
- Indexes that aggregate disclosure and transparency signals
- Assessments that describe risk profiles without recommendations
- Intelligence briefs that provide analytical context
Client-oriented explanations may appear as a secondary layer and do not affect core assessments.
About the Institution
Market Ledger operates independently of commercial influence and does not sell leads or promote services.
All content is produced under editorial and methodological governance.