We analyzed every closed loan from Shore United Bank — 653 loans across 874 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 7 mkts
Awards
FHA
Superstar
VA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Shore United Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+18.8 bps above market avg
Pull Through
Closing strength
Strong
Top 40% 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
USDA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 403 | 61.7% | +0.238%Above | $2,677Fees | ||||
FHA Loans | 103 | 15.8% | +0.288%Above | $3,110Fees | ||||
VA Loans | 48 | 7.4% | -0.364%Below | $2,837Fees | ||||
Jumbo Loans | 89 | 13.6% | +0.120%Above | $2,511Fees | ||||
USDA Loans | — | — | 10 | 1.5% | +0.012%Above | $2,063Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume403
Mix61.7%
Spread
+0.238%Above
Fees
$2,677Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume103
Mix15.8%
Spread
+0.288%Above
Fees
$3,110Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume48
Mix7.4%
Spread
-0.364%Below
Fees
$2,837Fees
Jumbo Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume89
Mix13.6%
Spread
+0.120%Above
Fees
$2,511Fees
USDA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume10
Mix1.5%
Spread
+0.012%Above
Fees
$2,063Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 599 | 91.7% | +0.180%Above | $2,784Fees | ||||
Refinance | 54 | 8.3% | +0.249%Above | $2,505Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume599
Mix91.7%
Spread
+0.180%Above
Fees
$2,784Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume54
Mix8.3%
Spread
+0.249%Above
Fees
$2,505Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
653
Applications
874
Volume
$373 million
Pricing & Closing
Avg Rate Spread
+0.188%
vs. market APOR
Avg Net Fees
$2,751
Origination − Credits
Pullthrough Rate
74.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$571,248
Avg Borrower Income
$220,496
Avg Property Value
$764,571
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
13
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
13Northeast3
NJNYPA
South9
DCDEFLMDNCSCTXVAWV
West1
NV
Top Metro Areas by Place Specialization Score
Volume 117Mix 17.92% of portfolio
81/100
Exceptional
Volume 193Mix 29.56% of portfolio
78/100
Strong
Volume 51Mix 7.81% of portfolio
70/100
Strong
Volume 48Mix 7.35% of portfolio
67/100
Strong
Volume 44Mix 6.74% of portfolio
64/100
Strong
Volume 37Mix 5.67% of portfolio
56/100
Sound
Volume 11Mix 1.68% of portfolio
44/100
SoundTop States by Place Specialization Score
1
MarylandState
Volume 520Mix 79.63% of portfolio
85/100
Exceptional2
VirginiaState
Volume 57Mix 8.73% of portfolio
58/100
Sound3
DelawareState
Volume 32Mix 4.90% of portfolio
56/100
Sound4
West VirginiaState
Volume 15Mix 2.30% of portfolio
46/100
Sound5
PennsylvaniaState
Volume 15Mix 2.30% of portfolio
41/100
SoundHow 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.