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Looking for a mortgage lender in Shelby? Review the directory below to compare your options.
3 agents listed
Updated May 2026
Shelby, OH
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Ohio before hiring.
Showing 3 mortgage lenders in Shelby, OH
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
PHOENIX FINANCIAL SOLUTIONS, INC.-Shelby, OH
3954 Industrial Pkwy, Shelby, OH 44875
4193422151
Civista Bank
200 N Gamble St, Shelby, OH 44875
4193475770
Civista Bank Mortgage
156 Mansfield Ave, Shelby, OH 44875
4193421610
Mortgage lenders in Shelby Ohio help homebuyers and homeowners secure financing for property purchases and refinancing. Ohio law requires mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Local lenders can guide you through conventional FHA VA and USDA loan programs available in Richland County.
What Does a Mortgage Lender in Shelby Cost?
Typical costs for a mortgage in Ohio include an origination fee of 0.5 to 1 percent of the loan amount appraisal fees of 400 to 700 dollars and title insurance ranging from 500 to 1500 dollars. Closing costs in Ohio generally total 2 to 5 percent of the purchase price. This information is general and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in Shelby Ohio?
You typically need pay stubs W-2 forms tax returns bank statements and a valid ID. Ohio lenders may also require proof of homeowners insurance and a property appraisal.
How long does the mortgage process take in Ohio?
The process from application to closing usually takes 30 to 45 days. Ohio law requires a three day rescission period for refinances under the Truth in Lending Act.
What credit score is needed for a mortgage in Shelby Ohio?
Minimum credit scores vary by loan type. FHA loans may accept scores as low as 580 while conventional loans often require 620 or higher. Ohio lenders evaluate your full financial profile.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Ohio.