Churchill Mortgage in North Carolina vs the state
2.0%Denial rate-16.04 pts vs state
2.4%Decision denial rate-20.43 pts vs state
71.8%Origination rate+13.96 pts vs state
6.63%Median rate+0.13 pts vs state
0.36Rate spread (pts)+0.27 pts vs state
$90kMedian applicant income
178Loans originated
5Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 302 | 199 | 5.3% | 6.88% | #154 |
| 2024 | 276 | 146 | 5.8% | 6.63% | #186 |
| 2025 | 248 | 178 | 2.0% | 6.63% | #212 |
What Churchill Mortgage lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Churchill Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 29 | 24 | 0 | 0.0% |
| Mecklenburg County | 18 | 8 | 0 | 0.0% |
| Johnston County | 17 | 14 | 0 | 0.0% |
| Guilford County | 13 | 9 | 0 | 0.0% |
| Gaston County | 10 | 8 | 0 | 0.0% |
| Iredell County | 9 | 7 | 0 | 0.0% |
| Durham County | 8 | 4 | 2 | 25.0% |
| Harnett County | 7 | 3 | 0 | 0.0% |
| Cabarrus County | 7 | 5 | 0 | 0.0% |
| Lee County | 7 | 4 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 248 applications in 2025, of which 178 were originated and 5 denied.
2.0% of all applications, or 2.4% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Churchill Mortgage originated in North Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Churchill Mortgage's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology