What loan types does Shoreline Credit Union offer?

Shoreline Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Shoreline Credit Union offer mortgages?

Shoreline Credit Union offers mortgages in 1 states: WI.

How competitive are Shoreline Credit Union's mortgage rates?

Shoreline Credit Union has an overall pricing score of 64.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Shoreline Credit Union?

Shoreline Credit Union is a Credit Union headquartered in Manitowoc, WI.

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Shoreline Credit Union

Credit Union•Manitowoc, WIHQ•Direct•Reviews near you on Google

Shoreline Credit Union has 31 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Mediocre

1/5

Conventional

Place

Active

Single State

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Shoreline Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+23.0 bps above market avg

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

By Loan Product· Specialization by type

Conventional

Mediocre

Bottom 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Mediocre

Bottom 20% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Single State · 1 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	Acceptable	Mediocre	Strong	Acceptable	31	100.0%	+0.230%Above	$494Fees

Conventional

Overall

Acceptable

Product

Mediocre

Pricing

Strong

Pull Through

Acceptable

Volume31

Mix100.0%

Spread

+0.230%Above

Fees

$494Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Mediocre	Mediocre	—	Mediocre	10	32.3%	+0.005%Above	$436Fees
Refinance	Acceptable	Acceptable	—	Sound	21	67.7%	+0.349%Above	$524Fees

Purchase

Overall

Mediocre

Product

Mediocre

Pricing—

Pull Through

Mediocre

Volume10

Mix32.3%

Spread

+0.005%Above

Fees

$436Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Sound

Volume21

Mix67.7%

Spread

+0.349%Above

Fees

$524Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$4 million

Pricing & Closing

Avg Rate Spread

+0.230%

vs. market APOR

Avg Net Fees

$494

Origination − Credits

Pullthrough Rate

54.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$154,032

Avg Borrower Income

$94,323

Avg Property Value

$274,677

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

N/A

States with Loan Originations

Midwest1

Top States by Place Specialization Score

WisconsinState

Volume 31Mix 100.00% of portfolio

60/100

Sound

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.