What we do

Safe Rate® is the fastest, easiest way to shop for mortgage loans. We give mortgage shoppers the best answers fast, saving them time, money, and stress. In under 60 seconds, shoppers can find lenders that match their personal preferences, get a real quote, and start an application, all through our AI-powered chat experience. We've ranked 2,300+ lenders nationwide using empirical data on our proprietary 4 P's framework: Pricing, Pull-through, Product, and Place. No bias, no pay-to-play—just honest insights to help shoppers make fast, informed decisions.

Who we are

Our founding

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 the London School of Economics, and bonded over a shared mission: to fix a broken mortgage market.

The problem we saw

Dylan was researching House of Debt — a Financial Times Book of the Year about the 2008 subprime mortgage meltdown — while Shima returned from structuring post-crisis mortgage products on Wall Street. We both saw the same problem: consumers had no transparent, efficient way to shop for mortgages. They were stuck relying on middlemen with misaligned incentives, using technology that lagged decades behind every other major purchase.

Our solution

The solution required combining our unique superpowers. Shima had built AI systems for autonomous military vehicles prior to business school, and Dylan was a 3x 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.

Our team