We're fixing a broken mortgage market.
Safe Rate® is the fastest, easiest way to shop for a mortgage. In under 60 seconds, find lenders matched to your scenario, get a real quote, and start an application — all through AI-powered chat. No bias, no pay-to-play, just honest insights.
We rank 2,300+ lenders on the five P's.
We score what lenders actually deliver from public data, not advertised rates, across four dimensions, adjusting for loan characteristics so every comparison is honest and apples-to-apples. A fifth dimension, promptness, credits lenders who answer real quote requests quickly.
Pricing
How competitively a lender prices versus the market benchmark.
Pull-through
How reliably a lender closes the loans it starts.
Place
Depth of a lender's expertise in your local market.
Product
Performance on your specific loan type.
A note from the founders
Safe Rate® was founded by Dylan Hall (NMLS #1658740) and Shima Rayej (NMLS #1658741). We met during our MBA at the University of Chicago, by way of a study abroad at the London School of Economics, and bonded over a shared mission: to fix a broken mortgage market.
Dylan was researching House of Debt — a Financial Times Book of the Year about the 2008 subprime meltdown — while Shima returned from structuring post-crisis mortgage products on Wall Street. We saw the same problem: consumers had no transparent, efficient way to shop for a mortgage. They were stuck relying on middlemen with misaligned incentives, using technology that lagged decades behind every other major purchase.
The solution required combining our superpowers. Shima had built AI systems for autonomous military vehicles before business school; Dylan was a 3× fintech CTO. Together we created the AI-powered experience that gives mortgage shoppers what they've always deserved: fast, honest answers and the power to make informed decisions.
— Dylan & Shima
Shop your scenario in under a minute.
No phone number, no spam — just real quotes from lenders matched to you.
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