We analyzed every closed loan from Shore United Bank — 653 loans across 874 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 7 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Shore United Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+18.8 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
403 loans · 0.24% above market
Strong
Top 40% of lenders
4/5
FHA
103 loans · 0.29% above market
Strong
Top 40% of lenders
4/5
VA
48 loans · 0.36% below market
Strong
Top 40% of lenders
4/5
Jumbo
89 loans · 0.12% above market
Strong
Top 40% of lenders
4/5
USDA
10 loans · 0.01% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
599 loans · 0.18% above market
Strong
Top 40% of lenders
4/5
Refinance
54 loans · 0.25% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 403 | 61.7% | +0.238%Above | $2,677Fees | ||||
FHA Loans | 103 | 15.8% | +0.288%Above | $3,110Fees | ||||
VA Loans | 48 | 7.4% | -0.364%Below | $2,837Fees | ||||
Jumbo Loans | 89 | 13.6% | +0.120%Above | $2,511Fees | ||||
USDA Loans | — | — | 10 | 1.5% | +0.012%Above | $2,063Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume403
Mix61.7%
Spread
+0.238%Above
Fees
$2,677Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume103
Mix15.8%
Spread
+0.288%Above
Fees
$3,110Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume48
Mix7.4%
Spread
-0.364%Below
Fees
$2,837Fees
Jumbo Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume89
Mix13.6%
Spread
+0.120%Above
Fees
$2,511Fees
USDA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume10
Mix1.5%
Spread
+0.012%Above
Fees
$2,063Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 599 | 91.7% | +0.180%Above | $2,784Fees | ||||
Refinance | 54 | 8.3% | +0.249%Above | $2,505Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume599
Mix91.7%
Spread
+0.180%Above
Fees
$2,784Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume54
Mix8.3%
Spread
+0.249%Above
Fees
$2,505Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
653
Applications
874
Volume
$373 million
Pricing & Closing
Avg Rate Spread
+0.188%
vs. market APOR
Avg Net Fees
$2,751
Origination − Credits
Pullthrough Rate
74.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$571,248
Avg Borrower Income
$220,496
Avg Property Value
$764,571
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
13
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
13Full-year 2024 · HMDALoans originated
< 2020–5050+None
Northeast3
NJNYPA
South9
DCDEFLMDNCSCTXVAWV
West1
NV
Top Metro Areas by Place Specialization Score
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.
Looking for a different lender?
Are you the owner of Shore United Bank?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.