We analyzed every closed loan from Shea Mortgage — 1.0k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Multi-Region · 15 mkts
Awards
Conventional
Superstar
VA
Superstar
Purchase
Superstar
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
Explore another lender or local market
Report Card
Shea Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+8.5 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 15 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 833 | 82.6% | +0.136%Above | $242Fees | ||||
FHA Loans | — | 74 | 7.3% | +0.262%Above | $387Fees | |||
VA Loans | 65 | 6.4% | -0.451%Below | $547Fees | ||||
Jumbo Loans | — | 37 | 3.7% | +0.074%Above | $71Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume833
Mix82.6%
Spread
+0.136%Above
Fees
$242Fees
FHA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume74
Mix7.3%
Spread
+0.262%Above
Fees
$387Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume65
Mix6.4%
Spread
-0.451%Below
Fees
$547Fees
Jumbo Loans
OverallSound
ProductStrong
Pricing—
Pull ThroughSound
Volume37
Mix3.7%
Spread
+0.074%Above
Fees
$71Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,008 | 99.9% | +0.086%Above | $256Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume1,008
Mix99.9%
Spread
+0.086%Above
Fees
$256Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,009
Applications
1,407
Volume
$556 million
Pricing & Closing
Avg Rate Spread
+0.085%
vs. market APOR
Avg Net Fees
$264
Origination − Credits
Pullthrough Rate
71.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$551,511
Avg Borrower Income
$216,256
Avg Property Value
$839,936
Geographic Coverage
Geographic Performance
Metro Areas
15
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
11South5
FLNCSCTXVA
West6
AZCACOIDNVWA
Top Metro Areas by Place Specialization Score
Volume 218Mix 21.61% of portfolio
75/100
Strong
Volume 220Mix 21.80% of portfolio
73/100
Strong
Volume 73Mix 7.23% of portfolio
73/100
Strong
Volume 56Mix 5.55% of portfolio
69/100
Strong
Volume 103Mix 10.21% of portfolio
64/100
Strong
Volume 69Mix 6.84% of portfolio
63/100
Strong
Volume 24Mix 2.38% of portfolio
62/100
Strong
Volume 31Mix 3.07% of portfolio
59/100
Sound
Volume 42Mix 4.16% of portfolio
57/100
Sound
Volume 42Mix 4.16% of portfolio
55/100
SoundShowing 10 of 15 metro areas
Top States by Place Specialization Score
1
ArizonaState
Volume 238Mix 23.59% of portfolio
72/100
Strong2
ColoradoState
Volume 218Mix 21.61% of portfolio
72/100
Strong3
CaliforniaState
Volume 288Mix 28.54% of portfolio
68/100
Strong4
TexasState
Volume 103Mix 10.21% of portfolio
57/100
Sound5
WashingtonState
Volume 40Mix 3.96% of portfolio
53/100
Sound6
VirginiaState
Volume 34Mix 3.37% of portfolio
50/100
Sound7
IdahoState
Volume 23Mix 2.28% of portfolio
48/100
Sound8
North CarolinaState
Volume 27Mix 2.68% of portfolio
45/100
Sound9
South CarolinaState
Volume 15Mix 1.49% of portfolio
42/100
Sound10
FloridaState
Volume 21Mix 2.08% of portfolio
40/100
AcceptableHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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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.