# SHELTER LENDING SERVICES, L.L.C.

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


> **📋 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 LENDING SERVICES, L.L.C. is a independent mortgage company, headquartered in SPRINGFIELD, IL, serving borrowers across 2 states, with 104 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 68% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 67% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493000QYMPN362T6V61
- **Headquarters:** SPRINGFIELD, IL
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** SC, TN
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 32/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 33/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.395%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,069
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 104
- **Dollar Volume:** $44 million
- **Applications Received:** 155
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $419,712
- **Average Borrower Income:** $159,827
- **Average Property Value:** $587,308

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 33/100 | 98 | +0.395% | $1,955 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 88 loans, Score: 34/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 35/100 | 94 | $39M | +0.361% | Acceptable 🙂 |
| Refinance | 20/100 | 10 | $4M | +0.707% | Mediocre 😐 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 63 | 0.07% | 65/100 |
| SC | 41 | 0.05% | 61/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Nashville | TN | 60 | 69/100 |
| Non |  | 18 | 34/100 |
| Charleston | SC | 16 | 53/100 |

## Frequently Asked Questions

### What loan types does SHELTER LENDING SERVICES, L.L.C. offer?

SHELTER LENDING SERVICES, L.L.C. offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SHELTER LENDING SERVICES, L.L.C. offer mortgages?

SHELTER LENDING SERVICES, L.L.C. offers mortgages in 2 states: SC, TN.

### How competitive are SHELTER LENDING SERVICES, L.L.C.'s mortgage rates?

SHELTER LENDING SERVICES, L.L.C. has a pricing score of 32/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.395% above market average.

### What type of lender is SHELTER LENDING SERVICES, L.L.C.?

SHELTER LENDING SERVICES, L.L.C. is a non-depository lender that specializes in mortgage origination, headquartered in SPRINGFIELD, IL.

### What is SHELTER LENDING SERVICES, L.L.C.'s loan approval success rate?

SHELTER LENDING SERVICES, L.L.C. has a pull-through score of 33/100 (Acceptable). 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-lending-services

### How to Cite

> "SHELTER LENDING SERVICES, L.L.C. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/shelter-lending-services

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