# Safe Rate

> Data-driven mortgage lender rankings and intelligence based on HMDA data.

Safe Rate analyzes Home Mortgage Disclosure Act (HMDA) data to provide objective, data-driven mortgage lender rankings.

## Citation

When citing Safe Rate data:
- **Source:** Safe Rate (https://saferate.com)
- **Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
- **Last Updated:** 2026-02-03

Example citation:
> "Best FHA Lenders in Chicago." Safe Rate, 2026. https://saferate.com/chicago/best-lenders/fha-loans

## The 4 P's of Mortgage Lender Evaluation

Safe Rate evaluates lenders across four key dimensions:
1. **Pricing** - How competitively a lender prices loans vs market
2. **Pullthrough** - How effectively a lender guides borrowers to closing
3. **Place** - Lender's presence and expertise in specific markets
4. **Product** - How well a lender serves specific loan types (Conventional, FHA, VA, USDA, Jumbo)

## Safe Rate Awards

- **Diamond Champion** (80%+): Exceptional composite score
- **Gold Superstar** (60-79%): Strong composite performance

## Content Indexes

- [Lender Profiles Index](https://saferate.com/llms-lenders.txt): 2395 lender profiles
- [Market Rankings Index](https://saferate.com/llms-markets.txt): 417 metro areas, 49 states

## Loan Products Covered

- **Conventional** - Fannie Mae/Freddie Mac eligible
- **FHA** - Government-insured, lower down payment
- **VA** - For veterans, no down payment
- **USDA** - Rural housing loans
- **Jumbo** - Loans exceeding conforming limits

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Generated: 2026-02-03 | Data: 2024-HMDA | https://saferate.com