Churchill Mortgage in Minnesota vs the state
4.1%Denial rate-9.52 pts vs state
4.9%Decision denial rate-11.47 pts vs state
73.5%Origination rate+7.10 pts vs state
6.50%Median rate-0.13 pts vs state
0.35Rate spread (pts)+0.10 pts vs state
$100kMedian applicant income
36Loans originated
2Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 59 | 38 | 8.5% | 6.75% | #248 |
| 2024 | 54 | 36 | 5.6% | 6.99% | #257 |
| 2025 | 49 | 36 | 4.1% | 6.50% | #295 |
What Churchill Mortgage lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Churchill Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 10 | 6 | 1 | 10.0% |
| Washington County | 6 | 6 | 0 | 0.0% |
| Dakota County | 5 | 4 | 0 | 0.0% |
| Wright County | 3 | 2 | 0 | 0.0% |
| Ramsey County | 2 | 1 | 0 | 0.0% |
| St. Louis County | 2 | 1 | 0 | 0.0% |
| Rice County | 2 | 2 | 0 | 0.0% |
| Hubbard County | 2 | 2 | 0 | 0.0% |
| Crow Wing County | 2 | 0 | 0 | 0.0% |
| Chisago County | 1 | 0 | 1 | 100.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 49 applications in 2025, of which 36 were originated and 2 denied.
4.1% of all applications, or 4.9% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Churchill Mortgage originated in Minnesota 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 Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology