Get and compare real quotes from any lender and save over $1,000 a year, without handing over your phone number.
Get quotes anonymouslyFreddie Mac found borrowers who compared four or more lenders saved at least that much, especially when rates are high. Safe Rate makes comparison shopping easy: every quote in one place, no gimmicks.
Tell us what you're shopping for. No phone number, no spam.
Invite any lender or broker you choose. It's free for them to join.
Lenders quote your scenario blind, so you stay anonymous while you compare their quotes.
Create your loan application once, then share it with the lenders you choose.
Independent research on 2,300+ lenders. No lender pays for placement.
Whether your phone starts ringing the minute you hit submit, and whether the lender at the top is actually your best deal, comes down to one thing: how a site makes its money.
When the other options make sense: a bank you already use is simpler, and might come with a loyalty discount. A big-name site is familiar. The one thing neither can do is let you keep that bank and still compare it against everyone else. Here, you can invite your own bank to quote alongside the rest, so you don't have to pick between easy and thorough.
Advertised rates are marketing. We start from the 2024 HMDA dataset (the public record of nearly every U.S. mortgage application, more than 10 million of them) and score what lenders actually deliver, adjusting for loan characteristics so every comparison is true apples-to-apples.
Rate and upfront fees together, measured against what each loan should have cost given its size, LTV, borrower profile, and market conditions, so we reward genuine value, not lenders who simply serve lower-risk borrowers.
How reliably a lender carries an application to a definitive outcome (a closed loan or a clear answer), adjusted for borrower characteristics. High pull-through means fewer reasons to start over somewhere else.
Real presence and focus in a given market, not just national volume. We log-scale volume so mega-lenders don't drown out the regional banks and credit unions that dominate locally.
Demonstrated expertise by loan type (FHA, VA, USDA, conventional, jumbo) and by purpose, blending best-market performance with national volume so specialists and giants are both ranked fairly.
There is no single "best lender." Who's best depends on the loan you need and where you're buying, so we rank by lender type, by loan product, and by local market: every MSA and state.
Banks, credit unions, and mortgage bankers (local, regional, and national), compared on their own terms.
Browse all lendersFHA, VA, USDA, conventional, and jumbo, plus purchase vs. refinance. The best conventional lender is rarely the best FHA lender.
See FHA rankingsEvery metro area (MSA) and state. The lender that wins in your city usually isn't the national leader you've heard of.
See Chicago rankingsOur pricing engine builds rate indexes for 20+ loan products across 70,000+ locations (every ZIP code, city, and county) and refreshes them daily from aggregated investor rate sheets and local market parameters. The combinations add up to millions of distinct indexes, so the rate you see reflects your geography and scenario, not a single headline number.
Each index is tailored to your borrower profile and property characteristics. How the index works & data license
Our AI assistant makes all of this conversational. Ask about rates, lenders, or what it costs to own in your ZIP in plain English, and get an answer built on the same data behind this page.
For any address, here's what we estimate and where each number comes from.
Posted daily by lenders actually pricing your geography.
Our daily pricing engine pulls rate sheets from lenders actively quoting in your geography, not national averages, not stale data. We tailor rate estimates to your borrower profile and property characteristics, drawing on historical pricing patterns and real-time market data.
Rated by closed loans, not advertised rates.
We analyze 2024 HMDA data on 10 million+ closed loans to rank lenders on our four P's: pricing, pull-through, place, and product. Advertised rates are marketing. We rate the outcomes, adjusting for loan characteristics so comparisons are true apples-to-apples.
Estimated from what's actually paid in your census tract, not your state.
Insurance premiums and utility costs vary dramatically within ZIP codes. We use census tract level data to estimate what homeowners actually pay nearby, factoring in property characteristics, claim history, local risk profile, and regional utility pricing.
Flood, climate, and tax data tied to your exact parcel.
FEMA flood zones, aerial imagery, and LiDAR data let us identify flood, wildfire, and climate risks at the parcel level. We also include county tax assessments tied to the specific property, because total cost of ownership is the real number, not just the mortgage payment.
Estimated from aerial roof imagery and sensor data for your actual roof.
We combine aerial imagery with LiDAR elevation data to compute roof size, orientation, and shading for individual properties. National solar averages don't account for whether your specific roof faces south or sits under a tree. We do.