Churchill Mortgage in Michigan vs the state
1.0%Denial rate-17.49 pts vs state
1.2%Decision denial rate-21.38 pts vs state
78.1%Origination rate+18.25 pts vs state
6.63%Median rate-0.13 pts vs state
0.34Rate spread (pts)-0.06 pts vs state
$79kMedian applicant income
454Loans originated
6Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 557 | 427 | 1.8% | 6.99% | #98 |
| 2024 | 765 | 545 | 1.2% | 6.63% | #86 |
| 2025 | 581 | 454 | 1.0% | 6.63% | #116 |
What Churchill Mortgage lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Churchill Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kent County | 181 | 145 | 1 | 0.6% |
| Ottawa County | 66 | 58 | 0 | 0.0% |
| Kalamazoo County | 39 | 25 | 0 | 0.0% |
| Barry County | 29 | 27 | 0 | 0.0% |
| Allegan County | 26 | 23 | 0 | 0.0% |
| Muskegon County | 23 | 16 | 0 | 0.0% |
| Oakland County | 20 | 14 | 0 | 0.0% |
| Ingham County | 19 | 14 | 1 | 5.3% |
| Montcalm County | 15 | 14 | 0 | 0.0% |
| Wayne County | 13 | 9 | 1 | 7.7% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 581 applications in 2025, of which 454 were originated and 6 denied.
1.0% of all applications, or 1.2% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Churchill Mortgage originated in Michigan in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Churchill Mortgage's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology