Shamrock Home Loans Mortgage Rates, Fees & Info
EAST PROVIDENCE, RILEI: 549300E3A68XVBMBX690
Tax ID: 05-0447801
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Mortgage Data
Review & Overview
Shamrock Home Loans is a smaller mortgage company specializing in Home Purchase loans. Shamrock Home Loans has a high proportion of conventional loans. They have a a high proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Providence, Boston, Worcester, Barnstable Town, and Raleigh among others. We have data for 82 markets. (Some data included below & more in-depth data is available with an active subscription.)Shamrock Home Loans has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Shamrock Home Loans is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.68% | 12/3/24 |
| 30 Year Conventional Refi | 6.67% | 12/3/24 |
| 30 Year Cash-out Refi | 6.82% | 12/3/24 |
| 30 Year FHA Purchase | 7.44% | 12/3/24 |
| 30 Year FHA Refi | 7.50% | 12/3/24 |
| 30 Year VA Purchase | 6.51% | 12/3/24 |
| 30 Year VA Refi | 6.15% | 12/3/24 |
| 30 Year USDA Purchase | 6.86% | 12/3/24 |
| 15 Year Conventional Purchase | 4.24% | 12/3/24 |
| 15 Year Conventional Refi | 6.15% | 12/3/24 |
| 15 Year Cash-out Refi | 6.15% | 12/3/24 |
| 15 Year FHA Purchase | 5.68% | 12/3/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Shamrock Home Loans Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,312Origination Dollar Volume (All Markets)
$411,390,000Awards
Shamrock Home Loans - 2022
Shamrock Home Loans is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 557 | $174,365,000 | $313,043 | $7,602 | 4.91% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 205 | $78,825,000 | $384,512 | $7,643 | 4.81% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 90 | $27,310,000 | $303,444 | $7,135 | 5.18% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 68 | $24,970,000 | $367,206 | $7,785 | 4.56% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 42 | $13,280,000 | $316,190 | $6,300 | 4.30% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 19 | $7,485,000 | $393,947 | $7,033 | 4.79% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 28 | $6,830,000 | $243,929 | $7,815 | 4.30% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 20 | $6,240,000 | $312,000 | $7,955 | 4.24% |
| Outside of Metro Areas | 27 | $6,015,000 | $222,778 | $8,354 | 4.92% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 21 | $5,225,000 | $248,810 | $6,881 | 4.57% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 17 | $4,785,000 | $281,471 | $6,940 | 4.96% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 18 | $4,360,000 | $242,222 | $8,532 | 4.75% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 11 | $3,575,000 | $325,000 | $5,789 | 3.78% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 13 | $3,405,000 | $261,923 | $8,666 | 5.43% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 12 | $3,330,000 | $277,500 | $6,905 | 4.75% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 9 | $2,985,000 | $331,667 | $6,052 | 4.92% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 11 | $2,445,000 | $222,273 | $6,091 | 4.95% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 8 | $2,440,000 | $305,000 | $7,686 | 3.80% |
| Key West, FL (FHA|USDA|VA) | 5 | $2,385,000 | $477,000 | $5,402 | 4.45% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 7 | $2,295,000 | $327,857 | $7,938 | 6.05% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 4 | $1,820,000 | $455,000 | $6,439 | 4.97% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 8 | $1,530,000 | $191,250 | $6,126 | 4.09% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 5 | $1,525,000 | $305,000 | $7,179 | 4.65% |
| Cookeville, TN (FHA|USDA|VA) | 8 | $1,450,000 | $181,250 | $8,524 | 5.22% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 6 | $1,300,000 | $216,667 | $9,401 | 4.31% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $11,431 | 5.25% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $6,147 | 4.13% |
| RICHMOND, VA (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $5,709 | 4.81% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $3,829 | 4.19% |
| MONROE, LA (FHA|USDA|VA) | 5 | $825,000 | $165,000 | $6,490 | 4.33% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 5 | $765,000 | $153,000 | $5,416 | 5.50% |
| Laconia, NH (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $6,767 | 4.75% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $6,524 | 5.06% |
| Lebanon, NH-VT (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $7,814 | 5.31% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $11,641 | 4.31% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $5,210 | 4.81% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $6,827 | 4.19% |
| Corning, NY (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $5,930 | 3.47% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,152 | 4.94% |
| Keene, NH (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $6,134 | 5.37% |
| Henderson, NC (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $10,566 | 4.63% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $9,868 | 4.25% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,667 | 4.31% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $8,374 | 6.13% |
| Crossville, TN (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $11,084 | 6.38% |
| PITTSFIELD, MA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $6,391 | 4.50% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $1,698 | 5.50% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,580 | 3.63% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $6,018 | 4.88% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $11,074 | 4.38% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $17,825 | 7.13% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,934 | 4.13% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $13,779 | 4.50% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $9,193 | 4.63% |
| ROME, GA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $10,504 | 5.63% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,025 | 7.13% |
| Sanford, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,250 | 5.50% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,758 | 5.25% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,145 | 5.25% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,744 | 6.75% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,579 | 3.99% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $11,596 | 4.75% |
| Shelby, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,114 | 3.63% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,485 | 3.88% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,500 | 3.25% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $12,797 | 6.75% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,067 | 4.13% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,566 | 4.00% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,463 | 6.75% |
| Summerville, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,458 | 3.88% |
| Selinsgrove, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,051 | 6.13% |
| ERIE, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,362 | 6.00% |
| Fort Polk South, LA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,132 | 3.75% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,899 | 5.25% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,327 | 3.50% |
| Wilson, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,915 | 4.25% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,689 | 3.75% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,581 | 5.50% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,740 | 3.50% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,121 | 6.75% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,668 | 3.25% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 5.88% |
Their top states include:
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Product Mix
For 2022, Shamrock Home Loans's most frequently originated type of loan was Conventional, with 844 originations. Their 2nd most popular type was FHA, with 393 originations.
Loan Reason
For 2022, Shamrock Home Loans's most frequently cited loan purpose was Home Purchase, with 1,022 originations. The 2nd most popular reason was Cash Out Refi, with 206 originations.
Loan Duration/Length
For 2022, Shamrock Home Loans's most frequently cited loan duration was 30 Year, with 1,239 originations. The 2nd most popular length was 15 Year, with 53 originations.
Origination Fees/Closing Costs
Shamrock Home Loans's average total fees were $7,653, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 582 originations.
Interest Rates
During 2022, Shamrock Home Loans's average interest rate for loans was 4.91%, while their most frequently originated rate bucket for loans was 5-6%, with 375 originations.
Loan Sizing
2022 saw Shamrock Home Loans place emphasis on $200k-400k loans with 801 originations, totaling $238,775,000 in origination value.
Applicant Income
Shamrock Home Loans lent most frequently to those with incomes in the $50k-75k range, with 377 originations. The second most popular income band? $75k-100k, with 328 originations.
Applicant Debt to Income Ratio
Shamrock Home Loans lent most frequently to those with DTI ratios of 50-60%, with 191 originations. The next most common DTI ratio? 30-36%, with 165 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications86.32%
Shamrock Home Loans has an average approval rate.
Pick Rate
Approvals leading to origination82.77%
Shamrock Home Loans has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,312 | $411,390,000 | $313,559 |