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Shea Mortgage Inc.
Independent Mortgage Company|Walnut, CA|Multi-Region
Loans Originated
1,009
Applications
1,407
Volume
$556 million
Offers loans directly to consumersHomebuilder Lender
Overall Pricing
Strong
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐VA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.085%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$264
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
71.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Report Card
Shea Mortgage Inc. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Multi-Regional · 15 metro areas · 11 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$551,511
Average Borrower Income
$216,256
Average Property Value
$839,936
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Strong | Sound | 833 | 82.6% | +0.136% | $242 |
FHA Loans | Strong | Strong | N/A | Strong | 74 | 7.3% | +0.262% | $387 |
VA Loans | Strong | Strong | Strong | Strong | 65 | 6.4% | -0.451% | $547 |
Jumbo Loans | Sound | Strong | N/A | Sound | 37 | 3.7% | +0.074% | $71 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Sound | 1,008 | 99.9% | +0.086% | $256 |
Geographic Coverage
Metro Areas
15
States Served
11
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AZCACOFLIDNCNVSCTXVAWA
Top Metro Areas by Place Specialization Score
1
Denver, COMSA
Volume: 218Mix: 21.61%
Place Specialization
Strong
2
Phoenix, AZMSA
Volume: 220Mix: 21.80%
Place Specialization
Strong
3
Stockton, CAMSA
Volume: 73Mix: 7.23%
Place Specialization
Strong
4
Oxnard, CAMSA
Volume: 56Mix: 5.55%
Place Specialization
Strong
5
Houston, TXMSA
Volume: 103Mix: 10.21%
Place Specialization
Strong
6
San Diego, CAMSA
Volume: 69Mix: 6.84%
Place Specialization
Strong
7
Winchester, VA, VA-WVMSA
Volume: 24Mix: 2.38%
Place Specialization
Strong
8
Tacoma, WAMSA
Volume: 31Mix: 3.07%
Place Specialization
Sound
9
Charlotte, NC-SCMSA
Volume: 42Mix: 4.16%
Place Specialization
Sound
10
Riverside, CAMSA
Volume: 42Mix: 4.16%
Place Specialization
Sound
Showing 10 of 15 metro areas
Top States by Place Specialization Score
1
AZState
Volume: 238Mix: 23.59%
Place Specialization
Strong
2
COState
Volume: 218Mix: 21.61%
Place Specialization
Strong
3
CAState
Volume: 288Mix: 28.54%
Place Specialization
Strong
4
TXState
Volume: 103Mix: 10.21%
Place Specialization
Sound
5
WAState
Volume: 40Mix: 3.96%
Place Specialization
Sound
6
VAState
Volume: 34Mix: 3.37%
Place Specialization
Sound
7
IDState
Volume: 23Mix: 2.28%
Place Specialization
Sound
8
NCState
Volume: 27Mix: 2.68%
Place Specialization
Sound
9
SCState
Volume: 15Mix: 1.49%
Place Specialization
Sound
10
FLState
Volume: 21Mix: 2.08%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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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