Churchill Mortgage in Georgia vs the state
3.5%Denial rate-15.70 pts vs state
4.9%Decision denial rate-20.21 pts vs state
60.8%Origination rate+6.71 pts vs state
6.56%Median rate-0.06 pts vs state
0.35Rate spread (pts)+0.08 pts vs state
$100kMedian applicant income
121Loans originated
7Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 287 | 196 | 4.9% | 6.75% | #181 |
| 2024 | 228 | 138 | 3.5% | 6.75% | #217 |
| 2025 | 199 | 121 | 3.5% | 6.56% | #251 |
What Churchill Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Churchill Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 10 | 4 | 1 | 10.0% |
| DeKalb County | 10 | 5 | 1 | 10.0% |
| Cherokee County | 9 | 8 | 0 | 0.0% |
| Fayette County | 9 | 5 | 1 | 11.1% |
| Cobb County | 8 | 7 | 0 | 0.0% |
| Paulding County | 8 | 5 | 1 | 12.5% |
| Catoosa County | 7 | 5 | 0 | 0.0% |
| Effingham County | 6 | 3 | 0 | 0.0% |
| Gwinnett County | 6 | 1 | 1 | 16.7% |
| Walker County | 6 | 3 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 199 applications in 2025, of which 121 were originated and 7 denied.
3.5% of all applications, or 4.9% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Churchill Mortgage originated in Georgia in 2025 was 6.56%, against a statewide median of 6.63%.
About this data. Figures are Churchill Mortgage's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology