# SHELTER HOME MORTGAGE, LLC

> **Canonical URL:** https://saferate.com/lenders/shelter-home-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


SHELTER HOME MORTGAGE, LLC is a independent mortgage company, headquartered in WILMINGTON, DE, serving borrowers across 4 states, with 210 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 79% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 50% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493005WWQ2221ORBN75
- **Headquarters:** WILMINGTON, DE
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** AL, FL, GA, SC
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 21/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 50/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.434%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,916
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 210
- **Dollar Volume:** $82 million
- **Applications Received:** 308
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $388,952
- **Average Borrower Income:** $164,195
- **Average Property Value:** $510,810

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 41/100 | 177 | +0.442% | $2,735 | Sound ☺️ |
| FHA | 51/100 | 17 | +0.559% | $4,279 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 164 loans, Score: 43/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 44/100 | 196 | $77M | +0.433% | Sound ☺️ |
| Refinance | 24/100 | 14 | $5M | +0.450% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 205 | 0.15% | 75/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Atlanta | GA | 165 | 77/100 |
| Marietta, GA | GA | 21 | 54/100 |
| Non |  | 12 | 25/100 |

## Frequently Asked Questions

### What loan types does SHELTER HOME MORTGAGE, LLC offer?

SHELTER HOME MORTGAGE, LLC offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SHELTER HOME MORTGAGE, LLC offer mortgages?

SHELTER HOME MORTGAGE, LLC offers mortgages in 4 states: AL, FL, GA, SC.

### How competitive are SHELTER HOME MORTGAGE, LLC's mortgage rates?

SHELTER HOME MORTGAGE, LLC has a pricing score of 21/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.434% above market average.

### What type of lender is SHELTER HOME MORTGAGE, LLC?

SHELTER HOME MORTGAGE, LLC is a non-depository lender that specializes in mortgage origination, headquartered in WILMINGTON, DE.

### What is SHELTER HOME MORTGAGE, LLC's loan approval success rate?

SHELTER HOME MORTGAGE, LLC has a pull-through score of 50/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## 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/shelter-home-mortgage

### How to Cite

> "SHELTER HOME MORTGAGE, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/shelter-home-mortgage

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