Churchill Mortgage in California vs the state
4.1%Denial rate-13.28 pts vs state
5.7%Decision denial rate-16.75 pts vs state
60.2%Origination rate+3.99 pts vs state
6.75%Median rate+0.13 pts vs state
0.38Rate spread (pts)+0.10 pts vs state
$129kMedian applicant income
189Loans originated
13Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 398 | 290 | 1.3% | 6.75% | #255 |
| 2024 | 537 | 298 | 4.5% | 6.63% | #233 |
| 2025 | 314 | 189 | 4.1% | 6.75% | #313 |
What Churchill Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Churchill Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sacramento County | 49 | 24 | 3 | 6.1% |
| Los Angeles County | 42 | 24 | 3 | 7.1% |
| San Bernardino County | 38 | 26 | 0 | 0.0% |
| Riverside County | 37 | 19 | 3 | 8.1% |
| Placer County | 24 | 18 | 1 | 4.2% |
| Orange County | 21 | 10 | 1 | 4.8% |
| San Diego County | 11 | 6 | 0 | 0.0% |
| Stanislaus County | 10 | 6 | 0 | 0.0% |
| Kern County | 9 | 6 | 0 | 0.0% |
| Contra Costa County | 8 | 6 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 314 applications in 2025, of which 189 were originated and 13 denied.
4.1% of all applications, or 5.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Churchill Mortgage originated in California in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Churchill Mortgage's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology