What loan types does Shelter Home Mortgage offer?

Shelter Home Mortgage offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing score and performance metrics.

Where does Shelter Home Mortgage offer mortgages?

Shelter Home Mortgage offers mortgages in 4 states: AL, FL, GA, SC.

How competitive are Shelter Home Mortgage's mortgage rates?

Shelter Home Mortgage has an overall pricing score of 21.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Shelter Home Mortgage?

Shelter Home Mortgage is a Independent Mortgage Company headquartered in WILMINGTON, DE.

Unclaimed

Shelter Home Mortgage

Independent Mortgage Company•Wilmington, DEHQ•Direct•Reviews near you on Google

Shelter Home Mortgage has 210 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

FHA · Conventional

Place

Strong

4/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Shelter Home Mortgage performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+43.4 bps above market avg

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

177 loans · 0.44% above market

Sound

Top 60% of lenders

3/5

FHA

17 loans · 0.56% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

196 loans · 0.43% above market

Sound

Top 60% of lenders

3/5

Refinance

14 loans · 0.45% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 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	Acceptable	Sound	Acceptable	Acceptable	177	84.3%	+0.442%Above	$2,735Fees
FHA Loans	Sound	Sound	—	Sound	17	8.1%	+0.559%Above	$4,279Fees

Conventional

Overall

Acceptable

Product

Sound

Pricing

Acceptable

Pull Through

Acceptable

Volume177

Mix84.3%

Spread

+0.442%Above

Fees

$2,735Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume17

Mix8.1%

Spread

+0.559%Above

Fees

$4,279Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Sound	Acceptable	Acceptable	196	93.3%	+0.433%Above	$2,917Fees
Refinance	Acceptable	Acceptable	—	Acceptable	14	6.7%	+0.450%Above	$2,899Fees

Purchase

Overall

Acceptable

Product

Sound

Pricing

Acceptable

Pull Through

Acceptable

Volume196

Mix93.3%

Spread

+0.433%Above

Fees

$2,917Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume14

Mix6.7%

Spread

+0.450%Above

Fees

$2,899Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

210

Applications

308

Volume

$81 million

Pricing & Closing

Avg Rate Spread

+0.434%

vs. market APOR

Avg Net Fees

$2,916

Origination − Credits

Pullthrough Rate

68.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$388,952

Avg Borrower Income

$164,195

Avg Property Value

$510,810

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

4Full-year 2024 · HMDA

Loans originated

< 200200+None

South4

ALFLGASC

Top Metro Areas by Place Specialization Score

Atlanta, GAMetro

Volume 165Mix 78.57% of portfolio

77/100

Strong

Marietta, GAMetro

Volume 21Mix 10.00% of portfolio

54/100

Sound

Top States by Place Specialization Score

GeorgiaState

Volume 205Mix 97.62% of portfolio

75/100

Strong

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.