Applications / Mortgage Analytics / Lenders / Georgia / Shelter Home Mortgage
Atlanta, GA · Independent non-bank lender · CFPB · 323 loans in 2025
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323
loans originated, 2025
515
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Shelter Home Mortgage, an Atlanta home-purchase lender, grew its loans by 43% in 2025 after three years of steep decline, faster than about nine in ten similar lenders.
It made 323 loans, up from 226, while similar lenders, here independent non-bank lenders making between half and twice as many loans, grew 2% and the whole market 10%. The rebound is small against its past. It made 1,948 loans in 2020 and 1,046 in 2022 before falling to 560 in 2023.
Purchases were 81.1% of its loans and refinances the rest. Most were conventional, 83.9% against 75.6% at the typical peer, and 10.2% were insured by the Federal Housing Administration (FHA), against 17.5% at peers. Its typical loan, $335,000, was close to the peer figure.
Some 42.7% of its loans went to majority-minority neighborhoods, about double the 21.6% at the typical peer and a higher share than at about seven in ten similar lenders. Its share in low- and moderate-income (LMI) neighborhoods, 20.9%, was also above the peer figure of 18.3%.
It has lent in Atlanta-Sandy Springs-Alpharetta since 2017, its first year of reporting, and ranked 103 of 892 lenders there. It added Gainesville, Florida and Albany, Georgia in 2025, though it holds little of either.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Shelter Home Mortgage took 515 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 81.1% · Refinance 18.9%
Conventional 83.9% · FHA 10.2% · VA 5.6% · USDA (RHS or FSA) 0.3% · of 323 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Georgia | 309 | 95.7% |
| Florida | 5 | 1.5% |
| Tennessee | 4 | 1.2% |
| South Carolina | 3 | 0.9% |
| Alabama | 2 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 246 |
| Marietta | 43 |
| Athens-Clarke County | 4 |
| Gainesville | 3 |
| Jacksonville | 2 |
| Macon-Bibb County | 2 |
| Nashville-Davidson--Murfreesboro--Franklin | 2 |
| Albany | 1 |
| Birmingham | 1 |
| Charlotte-Concord-Gastonia | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005WWQ2221ORBN75 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7814970104 |
Established 28 December 2016. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Shelter Home Mortgage's data.
Shelter Home Mortgage's data
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Shelter Home Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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