Mortgage lending in Shelby County, Indiana
Lenders in Shelby County, Indiana reported 2,093 mortgage applications for 2025, according to the CFPB.
2,093 mortgage applications and 1,244 loans originated in 2025; the denial rate was 23.7% of 1,706 applications decided. The median loan was about $175,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Indianapolis-Carmel, IN HUD Metro FMR Area.
- 2,093
- Applications
- 1,244
- Loans originated
- 23.7%
- Denial rate
- 404 denied of 1,706 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,093 | 1,244 |
| 2024 | 1,840 | 1,126 |
| 2023 | 1,570 | 975 |
| 2022 | 2,312 | 1,445 |
| 2021 | 3,279 | 2,148 |
| 2020 | 3,121 | 2,036 |
| 2019 | 2,313 | 1,417 |
| 2018 | 1,981 | 1,232 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| GVC Mortgage, Inc. | 90 | 115 |
| Fifth Third Bank, National Association | 81 | 150 |
| Centra Credit Union | 79 | 108 |
| First Financial Bank | 65 | 101 |
| Rocket Mortgage | 61 | 99 |
| United Wholesale Mortgage | 44 | 58 |
| Fairway Independent Mort Corp | 43 | 59 |
| Vanderbilt Mortgage and Finance, Inc | 35 | 40 |
| Taylor Morrison Home Funding, Inc. | 33 | 50 |
| First Merchants Bank | 33 | 58 |
| PNC Bank N.A. | 30 | 53 |
| Freedom Mortgage Corporation | 29 | 52 |
| M/I Financial. LLC | 25 | 29 |
| Indiana Members Credit Union | 24 | 33 |
| Guild Mortgage Company | 23 | 32 |
| Ruoff Mortgage Company | 23 | 33 |
| Mortgage Research Center | 21 | 45 |
| Newrez LLC | 19 | 45 |
| JPMorgan Chase Bank, NA | 19 | 30 |
| DHI Mortgage Company, LTD. | 17 | 23 |
| Keybank National Association | 17 | 30 |
| Crosscountry Mortgage, LLC | 16 | 25 |
| FORUM Credit Union | 15 | 19 |
| Royal United Mortgage LLC | 13 | 15 |
| First Bank Richmond | 13 | 18 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 26 | no rate: base under 50 |
| Black or African American | 24 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,785 | 22.7% of 1,468 decided |
| Joint | 24 | no rate: base under 50 |
| Free Form Text Only | under 10 | |
| Race Not Available | 223 | 26.6% of 169 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 74 | 27.0% of 63 decided |
| Not Hispanic or Latino | 1,762 | 23.7% of 1,444 decided |
| Joint | 26 | no rate: base under 50 |
| Ethnicity Not Available | 231 | 23.2% of 177 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 800 | 24.6% of 660 decided |
| Female | 408 | 29.2% of 332 decided |
| Joint | 762 | 20.2% of 623 decided |
| Sex Not Available | 123 | 20.9% of 91 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1385 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved