Shelter Home Mortgage, LLC: 2025 mortgage rates, costs & approvals
How Shelter Home Mortgage, LLC priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: SHELTER HOME MORTGAGE, LLC · LEI 5493005WWQ2221ORBN75
In 2025, Shelter Home Mortgage, LLC originated 276 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 5 states — 1033rd by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.875% (all lenders: 6.625%); its median rate spread was 13 basis points above the national median. Median conventional loan costs were $6,510, 17% higher than the national median ($5,570).
It denied 3.6% of completed home-purchase applications (all lenders: 8.5%).
How Shelter Home Mortgage, LLC priced home-purchase loans
| Purchase loans, 2025 | Shelter Home Mortgage, LLC | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.875% | 6.625% |
| 30-year fixed rate · FHA | 6.250% | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.27 pts | +0.13 pts |
| Total loan costs · conventional | $6,510 | $5,570 |
| Total loan costs · FHA | $12,090 | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $3,020 | $1,860 |
| Borrowers paying discount points | 82.0% | 51.3% |
| Points paid, when paid (% of loan) | 0.51% | 0.87% |
| Borrowers receiving lender credits | 35.6% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where Shelter Home Mortgage, LLC lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Georgia | 265 | 282 | 3.3% | 6.875% | $6,620 |
| Tennessee | 4 | 4 | — | — | — |
| Florida | 3 | 4 | — | — | — |
| Alabama | 2 | 2 | — | — | — |
| South Carolina | 2 | 2 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Shelter Home Mortgage, LLC's page for that state.
Counties where Shelter Home Mortgage, LLC is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| DeKalb County, GA | 17 | 114 | 1.2% |
Check Shelter Home Mortgage, LLC yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493005WWQ2221ORBN75.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Shelter Home Mortgage, LLC with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology