Mortgage Lenders and Brokers in Shelby, Ohio
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Shelby, Ohio mortgage lenders include Mechanics BankMechanics Bank140 Mansfield Ave, Shelby, OH 44875A+5.0 ★Texas Ratio: 4.43%, The Park National BankThe Park National Bank155 Mansfield Ave, Shelby, OH 44875A5.0 ★Texas Ratio: 6.62%, Civista BankCivista Bank200 N Gamble St, Shelby, OH 44875A+5.0 ★Texas Ratio: 4.72%, Huntington National BankHuntington National Bank3421 Ridgewood Rd, Akron, OH 44333A+5.0 ★Texas Ratio: 3.66%, Directions Credit UnionDirections Credit Union29 Mansfield Ave, Shelby, OH 44875A+5.0 ★Texas Ratio: 3.08%, First Federal Bank of OhioFirst Federal Bank of Ohio200 Mansfield Ave, Shelby, OH 44875A+5.0 ★Texas Ratio: 2.76%, US Bank, N.A.US Bank, N.A.85 W Main St, Shelby, OH 44875A+5.0 ★Texas Ratio: 2.85%, Cnb BankCnb Bank3606 State Rd, Ashtabula, OH 44004A5.0 ★Texas Ratio: 6.26%, First Federal Community BankFirst Federal Community Bank4737 Us Highway 62, Berlin, OH 44610A+5.0 ★Texas Ratio: 0.68%, and Wesbanco Bank, Inc.Wesbanco Bank, Inc.112 E Liberty St, Arlington, OH 45814A+5.0 ★Texas Ratio: 3.87%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Shelby, Ohio in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Shelby are listed first, then lenders elsewhere in Ohio, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Shelby, Ohio
Market share is the lender's share of all home loans closed in Shelby, Ohio. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Shelby 140 Mansfield Ave, Shelby, OH 44875 A+5.0 ★Texas Ratio: 4.43% |
Conventional | 42 | 16.5% | 94.2% | $175,952 | View |
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1 office in Shelby 155 Mansfield Ave, Shelby, OH 44875 A5.0 ★Texas Ratio: 6.62% |
Conventional, HELOC | 13 +16 HELOCs |
5.1% | 87.5% | $142,692 | View |
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2 offices in Shelby 200 N Gamble St, Shelby, OH 44875 A+5.0 ★Texas Ratio: 4.72% |
Conventional, HELOC | 5 +5 HELOCs |
2% | 100% | $209,000 | View |
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3421 Ridgewood Rd, Akron, OH 44333 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 11 +17 HELOCs |
4.3% | 84.6% | $121,363 | View |
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29 Mansfield Ave, Shelby, OH 44875 A+5.0 ★Texas Ratio: 3.08% |
Conventional, HELOC | 9 +13 HELOCs |
3.5% | 100% | $123,888 | View |
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200 Mansfield Ave, Shelby, OH 44875 A+5.0 ★Texas Ratio: 2.76% |
Conventional | 5 | 2% | 100% | $77,000 | View |
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85 W Main St, Shelby, OH 44875 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 3 +1 HELOCs |
1.2% | 75% | $128,333 | View |
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3606 State Rd, Ashtabula, OH 44004 A5.0 ★Texas Ratio: 6.26% |
Conventional, HELOC | 3 +1 HELOCs |
1.2% | 100% | $135,000 | View |
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4737 Us Highway 62, Berlin, OH 44610 A+5.0 ★Texas Ratio: 0.68% |
Conventional | 2 | 0.8% | 100% | $245,000 | View |
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112 E Liberty St, Arlington, OH 45814 A+5.0 ★Texas Ratio: 3.87% |
Conventional | 1 | 0.4% | 100% | $345,000 | View |
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3983 Medina Rd, Akron, OH 44333 A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 0.4% | 100% | $205,000 | View |
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1232 N Main St, Bowling Green, OH 43402 A+5.0 ★Texas Ratio: 1.99% |
Conventional | 1 | 0.4% | 100% | $265,000 | View |
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★ 1 stars, 1 review 10300 Alliance Rd, Cincinnati, OH 45242 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 1 | 0.4% | 100% | $125,000 | View |
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★ 1.7 stars, 3 reviews 35 Montrose West Ave, Akron, OH 44321 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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2147 East Ave, Akron, OH 44314 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, USDA, HELOC | 26 +1 HELOCs |
10.2% | 96.4% | $156,153 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA, USDA, HELOC | 16 +1 HELOCs |
6.3% | 88.9% | $176,875 | |
T2 Financial LLC
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Conventional, VA | 2 | 0.8% | 100% | $225,000 | |
myCUmortgage
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FHA | 1 | 0.4% | 100% | $175,000 | |
The Middlefield Banking Company
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Conventional | 1 | 0.4% | 100% | $115,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 27 | 10.6% | 77.1% | $160,185 | |
Fairway Independent Mort Corp
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Conventional, FHA | 14 | 5.5% | 100% | $147,142 | |
loanDepot.com LLC
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Conventional, FHA | 11 | 4.3% | 91.7% | $165,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 7 | 2.7% | 70% | $203,571 | |
Mortgage Research Center
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Conventional, VA | 7 | 2.7% | 87.5% | $240,714 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 4 +1 HELOCs |
1.6% | 50% | $282,500 | |
Freedom Mortgage Corporation
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FHA, VA | 4 | 1.6% | 100% | $210,000 | |
Pennymac Loan Services LLC
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FHA | 3 | 1.2% | 75% | $188,333 | |
Discover Bank
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Conventional | 3 | 1.2% | 60% | $68,333 | |
Lower, LLC
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FHA, VA | 3 | 1.2% | 100% | $225,000 | |
Guaranteed Rate, Inc.
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Conventional | 2 | 0.8% | 100% | $155,000 | |
Newrez LLC
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Conventional, FHA | 2 | 0.8% | 100% | $195,000 | |
Amerisave Mortgage Company
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FHA | 2 | 0.8% | 66.7% | $95,000 | |
AdvantageFirst Lending Inc
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FHA, VA | 2 | 0.8% | 100% | $170,000 | |
Mutual of Omaha Mortgage
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Conventional | 2 | 0.8% | 100% | $140,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $185,000 | |
Royal United Mortgage LLC
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FHA | 1 | 0.4% | 100% | $105,000 | |
Goodleap, LLC
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VA | 1 | 0.4% | 100% | $205,000 | |
Servion
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VA | 1 | 0.4% | 100% | $185,000 | |
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A5.0 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.4% | 100% | $185,000 | View |
AmeriHome Mortgage Company, LLC
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Conventional | 1 | 0.4% | 100% | $185,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional | 1 | 0.4% | 50% | $55,000 | View |
Your Home Financial LLC
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Conventional | 1 | 0.4% | 100% | $285,000 | |
American Financing Corporation
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FHA | 1 | 0.4% | 50% | $205,000 | |
Nfm, Inc
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Conventional | 1 | 0.4% | 100% | $285,000 | |
New Day Financial, LLC.
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VA | 1 | 0.4% | 33.3% | $235,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.4% | 100% | $235,000 | View |
Planet Home Lending, LLC
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FHA | 1 | 0.4% | 50% | $215,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.4% | 100% | $125,000 | |
Empeople Credit Union
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Conventional | 1 | 0.4% | 100% | $135,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.4% | 100% | $155,000 | |
New American Funding, LLC.
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FHA | 1 | 0.4% | 100% | $155,000 | |
21St Mortgage
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Conventional | 1 | 0.4% | 100% | $75,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.4% | 25% | $65,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Shelby Mortgage Rate Trends
Daily average mortgage rates for Ohio compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Shelby, Ohio
Looking for mortgage lenders near me or mortgage brokers near me in Shelby? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Shelby in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Shelby, OH
Use these to narrow the list above. Each category shows how many Shelby, OH lenders fit and what that kind of lender is usually best for.
Who Lends in Shelby, OH
Independent mortgage companies closed 56.9 percent of home loans in Shelby, Ohio in 2025, banks 37.3 percent and credit unions 5.9 percent. CrossCountry Mortgage, LLC was the largest mortgage company, Mechanics Bank the largest bank and Directions Credit Union the largest credit union. Among lenders headquartered in Ohio, Mechanics Bank led with 42 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Ohio. State real property conveyance fee of $1 per $1,000 plus a permissive county fee of up to $3 per $1,000, for a total of up to $4 per $1,000 (0.4 percent), customarily paid by the seller; no mortgage recording tax.
More Ohio Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Shelby, OH
By home loans closed in 2025, Mechanics Bank was the largest mortgage lender in Shelby, Ohio with 42 loans, about 16.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
18 lenders closed FHA loans in Shelby, Ohio in 2025, led by Rocket Mortgage with 13. 14 lenders closed VA loans, led by Mortgage Research Center, and 2 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 20 banks and 4 credit unions closed home loans in Shelby, Ohio in 2025, alongside 32 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Shelby, Ohio during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Shelby, Ohio for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Shelby. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
