Churchill Mortgage in Texas vs the state
3.7%Denial rate-15.77 pts vs state
4.6%Decision denial rate-20.26 pts vs state
65.5%Origination rate+10.60 pts vs state
6.63%Median rate+0.13 pts vs state
0.48Rate spread (pts)+0.29 pts vs state
$117kMedian applicant income
609Loans originated
34Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 888 | 559 | 4.6% | 6.75% | #168 |
| 2024 | 920 | 551 | 6.2% | 6.88% | #178 |
| 2025 | 930 | 609 | 3.7% | 6.63% | #175 |
What Churchill Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Churchill Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 98 | 67 | 7 | 7.1% |
| McLennan County | 85 | 56 | 2 | 2.4% |
| Tarrant County | 77 | 50 | 0 | 0.0% |
| Harris County | 71 | 39 | 5 | 7.0% |
| Collin County | 48 | 31 | 0 | 0.0% |
| Ector County | 43 | 32 | 1 | 2.3% |
| Denton County | 29 | 17 | 0 | 0.0% |
| Bexar County | 27 | 22 | 1 | 3.7% |
| Montgomery County | 23 | 16 | 1 | 4.3% |
| Williamson County | 19 | 13 | 1 | 5.3% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 930 applications in 2025, of which 609 were originated and 34 denied.
3.7% of all applications, or 4.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Churchill Mortgage originated in Texas 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 Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology