Churchill Mortgage in Maryland vs the state
3.4%Denial rate-15.36 pts vs state
4.2%Decision denial rate-19.92 pts vs state
74.1%Origination rate+18.34 pts vs state
6.50%Median rate-0.13 pts vs state
0.35Rate spread (pts)+0.10 pts vs state
$110kMedian applicant income
194Loans originated
9Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 376 | 289 | 2.4% | 6.63% | #97 |
| 2024 | 378 | 263 | 2.1% | 6.63% | #99 |
| 2025 | 262 | 194 | 3.4% | 6.50% | #134 |
What Churchill Mortgage lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Churchill Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore County | 59 | 47 | 2 | 3.4% |
| Baltimore city | 39 | 31 | 2 | 5.1% |
| Prince George's County | 37 | 26 | 3 | 8.1% |
| Howard County | 26 | 19 | 0 | 0.0% |
| Montgomery County | 19 | 15 | 0 | 0.0% |
| Harford County | 15 | 12 | 0 | 0.0% |
| Anne Arundel County | 12 | 9 | 0 | 0.0% |
| Frederick County | 9 | 4 | 0 | 0.0% |
| Carroll County | 7 | 3 | 0 | 0.0% |
| Charles County | 7 | 6 | 0 | 0.0% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 262 applications in 2025, of which 194 were originated and 9 denied.
3.4% of all applications, or 4.2% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Churchill Mortgage originated in Maryland in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Churchill Mortgage's own HMDA filing for properties located in Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology