About
Safe Rate started in mortgages: designing a new kind of mortgage, then running a mortgage bank and originating loans ourselves. Every one of those rates starts from the same place, the U.S. Treasury curve. So we went to the source, and built the tools we wanted for the world's largest government bond market.
Treasuries are the benchmark every other dollar fixed income security is priced against, and the data behind them is public: Treasury publishes the prices, the debt, the auctions. Yet the tools to use it well, from a fitted curve to attribution, stress tests and an index to measure against, have sat behind terminals and data licenses priced for the largest institutions.
Markets puts them in one place, built only on those primary sources, so a portfolio manager, an advisor, a treasurer or an engineer can manage a Treasury portfolio with institutional-grade tools, and rebuild every number we show.
Shima and Dylan met during their MBA at the University of Chicago, by way of a study abroad at the London School of Economics, and have built Safe Rate together since.
Shima built AI systems for autonomous military vehicles before business school, then structured and priced post-crisis mortgage products on Wall Street.
At Markets she brings the practitioner's view of fixed income portfolio management: how a Treasury book is built, hedged, stress-tested and judged against a benchmark.
LinkedInDylan is a three-time fintech CTO. He worked on an unmanned fighter jet, and was a research assistant on House of Debt, Mian and Sufi's account of the 2008 mortgage crisis.
At Markets he builds the technology and the calculation layer: the curve fits, pricing and analytics, the indices, and the API and MCP server behind them.
LinkedIn2018
The UChicago Innovation Fund invests in Safe Rate: a mortgage whose rate falls automatically when home values in the borrower's zip code fall.
2020
The Safe Rate Mortgage launches, for borrowers facing severe home price declines. The Economist covers it that January.
2022
Safe Rate launches a mortgage bank (NMLS #1590949): warehouse line, loan sales, state audits, and loans originated by the founders themselves.
2026
Safe Rate AI launches for mortgage shoppers, and Safe Rate Markets for the U.S. Treasury market.
More about Safe Rate at saferate.com.
Questions, a firm-wide plan, or a dataset you need: write to us at team@saferate.com.