NerdWallet's award winners are chosen through a rigorous evaluation process involving more than three dozen of our editorial team's writers and editors. For each financial product, we assess the features that we believe are most important to consumers. NerdWallet's ratings formulas for credit cards, for example, consider the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. For mortgages, we evaluate loan types, loan products, online capabilities, online rate information, customer service and complaints filed with the Consumer Financial Protection Bureau. The full judging methodologies will be published when winners are announced to the public on Jan. 15, 2020.