We analyzed every closed loan from Shea Mortgage — 1.0k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Multi-Region · 15 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
VA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Explore another lender or local market
Report Card
Shea Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+8.5 bps above market avg
4/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
833 loans · 0.14% above market
Strong
Top 40% of lenders
4/5
FHA
74 loans · 0.26% above market
Strong
Top 40% of lenders
4/5
VA
65 loans · 0.45% below market
Strong
Top 40% of lenders
4/5
Jumbo
37 loans · 0.07% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,008 loans · 0.09% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 15 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 833 | 82.6% | +0.136%Above | $242Fees | ||||
FHA Loans | — | 74 | 7.3% | +0.262%Above | $387Fees | |||
VA Loans | 65 | 6.4% | -0.451%Below | $547Fees | ||||
Jumbo Loans | — | 37 | 3.7% | +0.074%Above | $71Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume833
Mix82.6%
Spread
+0.136%Above
Fees
$242Fees
FHA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume74
Mix7.3%
Spread
+0.262%Above
Fees
$387Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume65
Mix6.4%
Spread
-0.451%Below
Fees
$547Fees
Jumbo Loans
OverallSound
ProductStrong
Pricing—
Pull ThroughSound
Volume37
Mix3.7%
Spread
+0.074%Above
Fees
$71Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,008 | 99.9% | +0.086%Above | $256Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume1,008
Mix99.9%
Spread
+0.086%Above
Fees
$256Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,009
Applications
1,407
Volume
$556 million
Pricing & Closing
Avg Rate Spread
+0.085%
vs. market APOR
Avg Net Fees
$264
Origination − Credits
Pullthrough Rate
71.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$551,511
Avg Borrower Income
$216,256
Avg Property Value
$839,936
Geographic Coverage
Geographic Performance
Metro Areas
15
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
11Full-year 2024 · HMDALoans originated
< 2020–5050–200200+None
South5
FLNCSCTXVA
West6
AZCACOIDNVWA
Top Metro Areas by Place Specialization Score
Showing 10 of 15 metro areas
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.