Mortgage lenders in Shelby County
894 mortgages were made in Shelby County, Ohio, in 2025, by 168 lenders. The median rate their borrowers got was 6.990% on a median loan of $145,000. Of 1,231 decisions, 294 were denials — 23.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| U.S. Bank National Association | 84 | 7.850% | $105,000 | 31.5% |
| Fifth Third Bank, National Association | 59 | 7.750% | $105,000 | 27.6% |
| Rocket Mortgage, LLC | 57 | 6.990% | $145,000 | 29.5% |
| UNIVERSAL 1 CREDIT UNION | 46 | 7.625% | $60,000 | 8.0% |
| UNION HOME MORTGAGE CORP. | 42 | 6.625% | $185,000 | 6.4% |
| Minster Bank | 42 | 6.500% | $225,000 | 2.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 33 | 6.049% | $215,000 | 8.3% |
| The Farmers & Merchants State Bank | 30 | 7.500% | $85,000 | 25.0% |
| WRIGHT-PATT CREDIT UNION, INC. | 29 | 7.500% | $95,000 | 38.0% |
| JPMorgan Chase Bank, National Association | 29 | 6.750% | $175,000 | 12.1% |
| NVR Mortgage Finance, Inc. | 28 | 5.990% | $265,000 | 20.0% |
| HONDA Federal Credit Union | 23 | 7.250% | $55,000 | 17.9% |
| SUPERIOR CREDIT UNION, INC. | 22 | 6.500% | $135,000 | 18.5% |
| Union Savings Bank | 19 | 7.250% | $135,000 | 4.6% |
| PENNYMAC LOAN SERVICES, LLC | 17 | 6.125% | $175,000 | 19.1% |
| Mortgage Research Center, LLC | 15 | 6.250% | $195,000 | 40.7% |
| PNC Bank, National Association | 15 | 7.240% | $75,000 | 5.9% |
| FREEDOM MORTGAGE CORPORATION | 14 | 6.438% | $195,000 | 10.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 14 | 6.783% | $185,000 | 6.7% |
| First Bank Richmond | 14 | Not published | $85,000 | 16.7% |
| Loandepot.Com, LLC | 14 | 6.683% | $120,000 | 17.7% |
| The Park National Bank | 11 | 6.625% | $105,000 | 21.4% |
| The Huntington National Bank | 10 | 6.688% | $210,000 | 44.4% |
| FIRST COMMUNITY MORTGAGE, INC. | 10 | 6.870% | $175,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| NEWREZ LLC | 8 | Under 10 loans | Under 10 loans | 46.7% |
| Broker Solutions, Inc. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| FIGURE LENDING LLC | 7 | Under 10 loans | Under 10 loans | 28.6% |
| Coastal Community Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Navy Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 6 | Under 10 loans | Under 10 loans | 11.1% |
| AmeriSave Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 70.6% |
| Lendage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 60.0% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| POLARIS HOME FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Greenville National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Greenville Federal | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Civista Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 90.0% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 55.6% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Citizens National Bank of Bluffton | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Union Bank Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Three Rivers Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Day Air Credit Union, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| New Carlisle Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MYCUMORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RAPID MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAY-MET CREDIT UNION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABBEY CREDIT UNION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BRIDGE CREDIT UNION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Pandora | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHEVRON Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kemba Financial Credit Union Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MILEND, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bank of America, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HFG HOLDINGS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| THE LOAN STORE, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 0.0% |
| The Covington Savings and Loan Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Tomo Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Pathways Financial Credit Union, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Paramount Residential Mortgage Group, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Griffin Funding, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 0 | Under 10 loans | Under 10 loans | Not published |
| SUPERIOR FINANCIAL SOLUTIONS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| GUILD MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| THE EQUITABLE MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| MLB RESIDENTIAL LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| EMM LOANS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Fairway Independent Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| GENERAL ELECTRIC CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GoPrime Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SCHUMACHER MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| STOCKTON MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Hometown Equity Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MEMBERS 1ST | 0 | Under 10 loans | Under 10 loans | Not published |
| VELOCITY COMMERCIAL CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN HERITAGE LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SayGO Home Loans, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| United Trust Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First National Bank of Omaha | 0 | Under 10 loans | Under 10 loans | 100.0% |
| WesBanco Bank, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Guardian Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| NexBank | 0 | Under 10 loans | Under 10 loans | Not published |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
Bank branches in Shelby County
18 FDIC-insured branches from 10 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| U.S. Bank National Association | 4 | $443.8 million |
| The Farmers & Merchants State Bank | 3 | $140.3 million |
| First Bank Richmond | 2 | $161.0 million |
| First National Bank in New Bremen | 2 | $112.2 million |
| Osgood Bank | 2 | $91.2 million |
| JPMorgan Chase Bank, National Association | 1 | $221.5 million |
| Minster Bank | 1 | $117.4 million |
| Fifth Third Bank, National Association | 1 | $110.5 million |
| PNC Bank, National Association | 1 | $33.3 million |
| The Peoples Savings and Loan Company | 1 | $15.1 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- JPMorgan Chase Bank, National Association, 134 E Poplar St, Sidney
Get told when this changes
When the next year’s lending figures are out for Shelby County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.