Ohio · HMDA 2025
Mortgage lenders in Shelby County, OH
167 lenders reported 1,761 home-loan applications in Shelby County in 2025. 894 closed as loans ($178.4M), 294 were denied — a 23.9% denial rate on decided applications, above the Ohio rate of 21.7%. The three most active lenders handled 20% of applications, led by U.S. Bank National Association. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,761
- Loans originated
- 894
- Purchase / refinance
- 362 / 299
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Shelby County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | U.S. Bank National Association 55 out of 100, Moderate | 150 | 8.5% | 39.5% |
| 2 | Rocket Mortgage, LLC | 101 | 5.7% | — |
| 3 | Fifth Third Bank, National Association 62 out of 100, Moderate | 101 | 5.7% | 34.0% |
| 4 | PENNYMAC LOAN SERVICES, LLC | 85 | 4.8% | — |
| 5 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 59 | 3.4% | 14.1% |
| 6 | UNIVERSAL 1 CREDIT UNION 68 out of 100, Moderate | 58 | 3.3% | 9.8% |
| 7 | WRIGHT-PATT CREDIT UNION, INC. 68 out of 100, Moderate | 53 | 3.0% | 34.1% |
| 8 | UNION HOME MORTGAGE CORP. | 52 | 3.0% | — |
| 9 | Minster Bank | 51 | 2.9% | — |
| 10 | HONDA Federal Credit Union 62 out of 100, Moderate | 47 | 2.7% | 28.0% |
| 11 | The Farmers & Merchants State Bank | 46 | 2.6% | — |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 44 | 2.5% | — |
| 13 | NEWREZ LLC | 41 | 2.3% | — |
| 14 | NVR Mortgage Finance, Inc. | 37 | 2.1% | — |
| 15 | AMERIHOME MORTGAGE COMPANY, LLC | 36 | 2.0% | — |
| 16 | Mortgage Research Center, LLC | 35 | 2.0% | — |
| 17 | SUPERIOR CREDIT UNION, INC. | 33 | 1.9% | — |
| 18 | FREEDOM MORTGAGE CORPORATION | 30 | 1.7% | — |
| 19 | FIGURE LENDING LLC | 28 | 1.6% | — |
| 20 | PLANET HOME LENDING, LLC | 26 | 1.5% | — |
| 21 | Union Savings Bank 74 out of 100, Strong | 25 | 1.4% | 5.3% |
| 22 | 21st Mortgage Corporation | 24 | 1.4% | — |
| 23 | The Huntington National Bank 59 out of 100, Moderate | 23 | 1.3% | 31.6% |
| 24 | CROSSCOUNTRY MORTGAGE, INC. | 22 | 1.2% | — |
| 25 | NATIONSTAR MORTGAGE LLC | 22 | 1.2% | — |
| 26 | Broker Solutions, Inc. | 20 | 1.1% | — |
| 27 | AmeriSave Mortgage Corporation | 20 | 1.1% | — |
| 28 | PNC Bank, National Association 62 out of 100, Moderate | 20 | 1.1% | 33.8% |
| 29 | First Bank Richmond 52 out of 100, Below average | 20 | 1.1% | 13.7% |
| 30 | Loandepot.Com, LLC | 19 | 1.1% | — |
| 31 | VILLAGE CAPITAL & INVESTMENT LLC | 16 | 0.9% | — |
| 32 | The Park National Bank 72 out of 100, Strong | 15 | 0.9% | 19.0% |
| 33 | FIRST COMMUNITY MORTGAGE, INC. | 13 | 0.7% | — |
| 34 | Coastal Community Bank 35 out of 100, Low | 13 | 0.7% | 3.0% |
| 35 | GUARANTEED RATE, INC. | 12 | 0.7% | — |
| 36 | The Federal Savings Bank 51 out of 100, Below average | 12 | 0.7% | 19.1% |
| 37 | Navy Federal Credit Union 66 out of 100, Moderate | 11 | 0.6% | 32.9% |
| 38 | VANDERBILT MORTGAGE AND FINANCE, INC. | 10 | 0.6% | — |
| 39 | SPRING EQ, LLC | 10 | 0.6% | — |
| 40 | TRIAD FINANCIAL SERVICES, INC. | 9 | 0.5% | — |
Top 40 of 167 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Ohio
- Franklin County 55,668 apps
- Cuyahoga County 54,642 apps
- Hamilton County 35,621 apps
- Summit County 24,436 apps
- Montgomery County 24,256 apps
- Butler County 17,927 apps
- Lorain County 16,482 apps
- Stark County 16,469 apps
- Lucas County 16,378 apps
- Warren County 13,469 apps
- Delaware County 13,326 apps
- Clermont County 11,684 apps