Churchill Funding I in New York vs the state
20.0%Denial rate+0.25 pts vs state
44.4%Decision denial rate+20.40 pts vs state
25.0%Origination rate-34.59 pts vs state
9.75%Median rate+3.13 pts vs state
—Rate spread (pts)
—Median applicant income
5Loans originated
4Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 3 | 0.0% | 10.50% | #504 |
| 2024 | 21 | 11 | 23.8% | 7.63% | #386 |
| 2025 | 20 | 5 | 20.0% | 9.75% | #411 |
What Churchill Funding I lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Churchill Funding I applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Greene County | 6 | 0 | 0 | 0.0% |
| Nassau County | 2 | 1 | 1 | 50.0% |
| Orange County | 2 | 1 | 0 | 0.0% |
| Rensselaer County | 2 | 0 | 1 | 50.0% |
| Suffolk County | 2 | 1 | 0 | 0.0% |
| New York County | 1 | 0 | 1 | 100.0% |
| Kings County | 1 | 1 | 0 | 0.0% |
| Rockland County | 1 | 0 | 0 | 0.0% |
| Schenectady County | 1 | 0 | 0 | 0.0% |
| Albany County | 1 | 0 | 1 | 100.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 20 applications in 2025, of which 5 were originated and 4 denied.
20.0% of all applications, or 44.4% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Churchill Funding I originated in New York in 2025 was 9.75%, against a statewide median of 6.63%.
About this data. Figures are Churchill Funding I's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology