# Shea Mortgage Inc.

> **Canonical URL:** https://saferate.com/lenders/shea-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Shea Mortgage Inc. is a independent mortgage company, headquartered in Walnut, CA, serving borrowers across 11 states, with 1,009 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 23% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 48% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 254900R9A6TW85BTVS20
- **Headquarters:** Walnut, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 11
- **State List:** AZ, CA, CO, FL, ID, NC, NV, SC, TX, VA, WA
- **Markets (MSAs):** 15
- **Homebuilder Lender:** Yes
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 77/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.085%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $264
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,009
- **Dollar Volume:** $556 million
- **Applications Received:** 1,407
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $551,511
- **Average Borrower Income:** $216,256
- **Average Property Value:** $839,936

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 64/100 | 833 | +0.136% | $242 | Strong 😀 |
| FHA | 61/100 | 74 | +0.262% | $387 | Strong 😀 |
| VA | 67/100 | 65 | -0.451% | $547 | Strong 😀 |
| Jumbo | 71/100 | 37 | +0.074% | $71 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 832 loans, Score: 66/100 (Strong)

**FHA:**
- Purchase: 74 loans, Score: 61/100 (Strong)

**VA:**
- Purchase: 65 loans, Score: 68/100 (Strong)

**Jumbo:**
- Purchase: 37 loans, Score: 73/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 66/100 | 1,008 | $556M | +0.086% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 288 | 0.10% | 68/100 |
| AZ | 238 | 0.24% | 72/100 |
| CO | 218 | 0.26% | 72/100 |
| TX | 103 | 0.03% | 57/100 |
| WA | 40 | 0.05% | 53/100 |
| VA | 34 | 0.03% | 50/100 |
| NC | 27 | 0.02% | 45/100 |
| ID | 23 | 0.09% | 48/100 |
| FL | 21 | 0.01% | 40/100 |
| SC | 15 | 0.02% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Phoenix | AZ | 220 | 73/100 |
| Denver | CO | 218 | 75/100 |
| Houston | TX | 103 | 64/100 |
| Stockton | CA | 73 | 73/100 |
| San Diego | CA | 69 | 63/100 |
| Oxnard | CA | 56 | 69/100 |
| Charlotte | NC-SC | 42 | 57/100 |
| Riverside | CA | 42 | 55/100 |
| Tacoma | WA | 31 | 59/100 |
| Winchester, VA | VA-WV | 24 | 62/100 |
| Boise City, ID | ID | 23 | 50/100 |
| Ocala, FL | FL | 21 | 53/100 |
| Prescott Valley | AZ | 17 | 53/100 |
| Oakland | CA | 14 | 44/100 |
| Arlington | VA-WV | 10 | 39/100 |

## Frequently Asked Questions

### What loan types does Shea Mortgage Inc. offer?

Shea Mortgage Inc. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Shea Mortgage Inc. offer mortgages?

Shea Mortgage Inc. offers mortgages in 11 states: AZ, CA, CO, FL, ID, NC, NV, SC, TX, VA, WA.

### How competitive are Shea Mortgage Inc.'s mortgage rates?

Shea Mortgage Inc. has a pricing score of 77/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.085% above market average.

### What type of lender is Shea Mortgage Inc.?

Shea Mortgage Inc. is a non-depository lender that specializes in mortgage origination, headquartered in Walnut, CA.

### What is Shea Mortgage Inc.'s loan approval success rate?

Shea Mortgage Inc. has a pull-through score of 52/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/shea-mortgage

### How to Cite

> "Shea Mortgage Inc. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/shea-mortgage

---

**[View Interactive Profile →](https://saferate.com/lenders/shea-mortgage)**