Churchill Funding I in Florida vs the state
4.9%Denial rate-16.18 pts vs state
11.8%Decision denial rate-15.48 pts vs state
36.6%Origination rate-16.10 pts vs state
8.50%Median rate+1.88 pts vs state
—Rate spread (pts)
—Median applicant income
15Loans originated
2Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 89 | 78 | 1.1% | 12.00% | #510 |
| 2024 | 151 | 117 | 16.6% | 12.00% | #422 |
| 2025 | 41 | 15 | 4.9% | 8.50% | #629 |
What Churchill Funding I lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Churchill Funding I applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 8 | 4 | 0 | 0.0% |
| Lee County | 6 | 4 | 0 | 0.0% |
| Manatee County | 5 | 0 | 0 | 0.0% |
| Palm Beach County | 5 | 1 | 2 | 40.0% |
| Miami-Dade County | 5 | 1 | 0 | 0.0% |
| Duval County | 4 | 3 | 0 | 0.0% |
| Walton County | 1 | 0 | 0 | 0.0% |
| Hernando County | 1 | 0 | 0 | 0.0% |
| Sarasota County | 1 | 1 | 0 | 0.0% |
| Monroe County | 1 | 1 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 41 applications in 2025, of which 15 were originated and 2 denied.
4.9% of all applications, or 11.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Churchill Funding I originated in Florida in 2025 was 8.50%, against a statewide median of 6.63%.
About this data. Figures are Churchill Funding I's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology