Applications / Mortgage Analytics / Lenders / Wisconsin / Shelter Lending Services
Grafton, WI · Independent non-bank lender · CFPB · 113 loans in 2025
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113
loans originated, 2025
151
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Shelter Lending Services is a small home-purchase lender, based in Wisconsin but lending in Tennessee and South Carolina, whose loans are bigger than those of most similar lenders.
Purchases made up 83.2% of its 113 loans in 2025 and refinances the rest. It made no loans insured by the Federal Housing Administration (FHA), against 17.3% at the typical peer, and 94.7% were conventional. Its typical loan was $435,000, against $305,000 at similar lenders, here independent non-bank lenders making between half and twice as many loans.
Its loans fell 2%, from 115 to 113, the same as similar lenders, while the whole market grew 10%. Its dollar volume rose to $55.3 million from $49.2 million because its loans were bigger. It is far smaller than it was: it made 748 loans in 2020 and 141 in 2022.
Its largest market is Nashville-Davidson--Murfreesboro--Franklin, where it has lent since 2014 and ranked 94 of 821 lenders, with a share of 0.2%. United Wholesale Mortgage and Rocket Mortgage lead there. Elsewhere it is a minor lender, ranking 276 of 617 in Charleston-North Charleston.
Some 12.4% of its loans went to low- and moderate-income (LMI) neighborhoods, against 18.2% at the typical peer. Its larger loans and lack of FHA lending are plausible reasons.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Lending Services took 151 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 83.2% · Refinance 16.8%
Conventional 94.7% · VA 5.3% · of 113 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 |
|---|---|---|
| Tennessee | 97 | 85.8% |
| South Carolina | 16 | 14.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nashville-Davidson--Murfreesboro--Franklin | 91 |
| Charleston-North Charleston | 10 |
| Knoxville | 1 |
| Memphis | 1 |
| Myrtle Beach-Conway-North Myrtle Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000QYMPN362T6V61 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4878207 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7460972768 |
Established 25 September 2012. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: Shelter Lending Services's data.
Shelter Lending Services's data
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Shelter Lending Services 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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