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Shelter Lending Services

Independent Mortgage Company•Springfield, ILHQ•Direct•Reviews near you on Google

Shelter Lending Services has 104 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Acceptable
2/5
Conventional
Place
Strong
4/5
Regional · 2 mkts

Safe Rate Summary

Things to Think About

  • Pricing may be below industry average
  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Shelter Lending Services performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+39.5 bps above market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Bottom 40% of lenders
Refinance
Mediocre
Bottom 20% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 3 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Acceptable
Pricing
Acceptable
Pull Through
Acceptable
Volume98
Mix94.2%
Spread
+0.395%Above
Fees
$1,955Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Acceptable
Pricing
Acceptable
Pull Through
Acceptable
Volume94
Mix90.4%
Spread
+0.361%Above
Fees
$1,977Fees
Refinance
Overall
Acceptable
Product
Mediocre
Pricing—
Pull Through
Acceptable
Volume10
Mix9.6%
Spread
+0.707%Above
Fees
$2,900Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
104
Applications
155
Volume
$43 million
Pricing & Closing
Avg Rate Spread
+0.395%
vs. market APOR
Avg Net Fees
$2,069
Origination − Credits
Pullthrough Rate
67.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$419,712
Avg Borrower Income
$159,827
Avg Property Value
$587,308

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

2
2 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South2
SCTN

Top Metro Areas by Place Specialization Score

1© Quintin Soloviev · CC BY 4.0
Nashville, TNMetro
Volume 60Mix 57.69% of portfolio
69/100
Strong
2© WeaponizingArchitecture · CC BY-SA 4.0
Charleston, SCMetro
Volume 16Mix 15.38% of portfolio
53/100
Sound

Top States by Place Specialization Score

Tennessee
Tennessee
1
TennesseeState
Volume 63Mix 60.58% of portfolio
65/100
Strong
South Carolina
South Carolina
2
South CarolinaState
Volume 41Mix 39.42% of portfolio
61/100
Strong

How 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.