Mortgage lending in Shelby County, Ohio
Lenders in Shelby County, Ohio reported 1,535 mortgage applications for 2025, according to the CFPB.
1,535 mortgage applications and 894 loans originated in 2025; the denial rate was 23.9% of 1,231 applications decided. The median loan was about $145,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the low-income housing hub: Shelby County, OH.
- 1,535
- Applications
- 894
- Loans originated
- 23.9%
- Denial rate
- 294 denied of 1,231 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,535 | 894 |
| 2024 | 1,340 | 822 |
| 2023 | 1,321 | 820 |
| 2022 | 1,574 | 956 |
| 2021 | 2,367 | 1,540 |
| 2020 | 2,335 | 1,588 |
| 2019 | 1,713 | 1,096 |
| 2018 | 1,444 | 906 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| US Bank, N.A. | 84 | 139 |
| Fifth Third Bank, National Association | 59 | 100 |
| Rocket Mortgage | 57 | 100 |
| Universal 1 Credit Union Inc. | 46 | 58 |
| Minster Bank | 42 | 51 |
| Union Home Mortgage Corp. | 42 | 52 |
| United Wholesale Mortgage | 33 | 43 |
| The Farmers & Merchants State Bank | 30 | 44 |
| Wright Patt Credit Union Inc | 29 | 53 |
| JPMorgan Chase Bank, NA | 29 | 44 |
| NVR Mortgage Finance, Inc. | 28 | 37 |
| Honda Federal Credit Union | 23 | 39 |
| Superior Credit Union, Inc. | 22 | 33 |
| Union Savings Bank | 19 | 25 |
| Pennymac Loan Services LLC | 17 | 40 |
| Mortgage Research Center | 15 | 35 |
| PNC Bank N.A. | 15 | 20 |
| loanDepot.com LLC | 14 | 19 |
| Freedom Mortgage Corporation | 14 | 30 |
| Crosscountry Mortgage, LLC | 14 | 22 |
| First Bank Richmond | 14 | 20 |
| The Park National Bank | 11 | 15 |
| Huntington National Bank | 10 | 23 |
| First Community Mortgage, Inc. | 10 | 13 |
| Nationstar Mortgage | 9 | 13 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | 24 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,305 | 23.2% of 1,062 decided |
| 2 or more minority races | under 10 | |
| Joint | 15 | no rate: base under 50 |
| Race Not Available | 172 | 26.6% of 124 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 19 | no rate: base under 50 |
| Not Hispanic or Latino | 1,299 | 22.7% of 1,055 decided |
| Joint | 12 | no rate: base under 50 |
| Ethnicity Not Available | 205 | 29.8% of 151 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 609 | 24.6% of 492 decided |
| Female | 269 | 31.0% of 213 decided |
| Joint | 548 | 18.9% of 451 decided |
| Sex Not Available | 109 | 29.3% of 75 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. 2045 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