Churchill Mortgage in Florida vs the state
5.7%Denial rate-15.39 pts vs state
8.2%Decision denial rate-19.07 pts vs state
55.7%Origination rate+2.98 pts vs state
6.63%Median rate0.00 pts vs state
0.35Rate spread (pts)+0.08 pts vs state
$100kMedian applicant income
167Loans originated
17Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 584 | 380 | 8.7% | 6.63% | #212 |
| 2024 | 395 | 224 | 8.1% | 6.63% | #264 |
| 2025 | 300 | 167 | 5.7% | 6.63% | #307 |
What Churchill Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Churchill Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 23 | 8 | 3 | 13.0% |
| Pasco County | 18 | 11 | 1 | 5.6% |
| Polk County | 17 | 12 | 1 | 5.9% |
| Hillsborough County | 17 | 12 | 1 | 5.9% |
| Manatee County | 14 | 9 | 0 | 0.0% |
| Lee County | 13 | 9 | 0 | 0.0% |
| Palm Beach County | 12 | 6 | 0 | 0.0% |
| Broward County | 11 | 5 | 1 | 9.1% |
| Brevard County | 10 | 5 | 0 | 0.0% |
| Volusia County | 9 | 6 | 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: 300 applications in 2025, of which 167 were originated and 17 denied.
5.7% of all applications, or 8.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Churchill Mortgage originated in Florida in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Churchill Mortgage'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