Purchase Originations
3,920
Ranked #125 nationally
Median Total Costs
$6,907
+3.4% vs national ($6,680)
↓ $433 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,860
Median Lender Credits
$101
Cost Rank (500+ vol.)
#362
among lenders with 500+ originations
Denial Rate
1.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,973 | 6.625% | $6,063 | $2,919 |
| fha | 590 | 6.500% | $11,470 | $2,790 |
| va | 310 | 6.500% | $8,892 | $2,653 |
| usda | 47 | 6.500% | $7,620 | $1,978 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Tennessee | 452 | 6.625% | $6,351 | #36 |
| Texas | 430 | 6.625% | $8,633 | #125 |
| Michigan | 311 | 6.625% | $6,374 | #60 |
| Nebraska | 280 | 6.625% | $5,571 | #19 |
| Ohio | 152 | 6.625% | $5,033 | #110 |
| Oregon | 152 | 6.625% | $9,115 | #53 |
| Washington | 152 | 6.625% | $9,182 | #78 |
| Montana | 133 | 6.250% | $8,723 | #16 |
| Virginia | 130 | 6.500% | $6,694 | #108 |
| California | 124 | 6.750% | $9,122 | #178 |
| Maryland | 119 | 6.500% | $10,290 | #90 |
| Idaho | 117 | 6.625% | $8,649 | #43 |
| North Carolina | 108 | 6.500% | $7,445 | #148 |
| Florida | 106 | 6.625% | $9,000 | #225 |
| Indiana | 106 | 6.625% | $4,404 | #126 |
| South Carolina | 88 | 6.625% | $5,515 | #127 |
| Georgia | 81 | 6.625% | $8,129 | #156 |
| Pennsylvania | 77 | 6.625% | $6,685 | #184 |
| Wisconsin | 72 | 6.750% | $4,656 | #118 |
| Kentucky | 60 | 6.500% | $5,001 | #107 |
| Missouri | 56 | 6.875% | $4,538 | #137 |
| Illinois | 54 | 6.625% | $6,700 | #185 |
| Oklahoma | 54 | 6.625% | $7,266 | #91 |
| Alabama | 53 | 6.625% | $4,457 | #130 |
| Iowa | 48 | 6.625% | $4,570 | — |
| Kansas | 41 | 6.750% | $4,326 | — |
| Arizona | 40 | 6.625% | $6,937 | — |
| Colorado | 33 | 6.500% | $5,583 | — |
| Alaska | 32 | 6.625% | $7,807 | — |
| Massachusetts | 32 | 6.625% | $9,298 | — |
| Arkansas | 25 | 6.625% | $4,642 | — |
| Minnesota | 25 | 6.500% | $5,071 | — |
| Mississippi | 24 | 6.625% | $7,480 | — |
| New Jersey | 21 | 6.500% | $9,232 | — |
| West Virginia | 21 | 6.375% | $5,512 | — |
| Nevada | 16 | 6.562% | $12,681 | — |
| Louisiana | 14 | 6.562% | $6,227 | — |
| Utah | 12 | 6.875% | $7,009 | — |
| New Hampshire | 11 | 6.500% | $6,788 | — |
| New Mexico | 11 | 6.625% | $7,848 | — |
| Rhode Island | 11 | 6.750% | $7,499 | — |
| Connecticut | 7 | 6.625% | $6,681 | — |
| Maine | 6 | 7.120% | $4,512 | — |
| District of Columbia | 5 | 6.625% | $8,381 | — |
| Delaware | 4 | 6.990% | $5,241 | — |
| North Dakota | 4 | 6.500% | $4,158 | — |
| South Dakota | 4 | 6.500% | $5,079 | — |
| Wyoming | 4 | 6.938% | $6,130 | — |
| Vermont | 2 | 7.183% | $6,413 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,475 | 6.625% | — | 129 | −$1,432 | |
| 2 | $5,831 | 6.500% | — | 72 | −$1,076 | |
| 3 | $5,841 | 6.562% | — | 34 | −$1,066 | |
| 4 | $6,330 | 6.500% | — | 28 | −$577 | |
| 5 | $6,624 | 6.750% | — | 28 | −$283 | |
| 6 | $6,662 | 6.562% | — | 44 | −$245 | |
| 7 | $6,932 | 6.750% | — | 109 | +$25 | |
| 8 | $6,984 | 6.625% | — | 81 | +$77 | |
| 9 | $7,420 | 6.625% | — | 101 | +$513 | |
| 10 | $8,132 | 6.500% | — | 31 | +$1,225 | |
| 11 | $8,289 | 6.500% | — | 33 | +$1,382 | |
| 12 | $8,619 | 6.625% | — | 30 | +$1,712 | |
| 13 | $8,723 | 6.250% | — | 81 | +$1,816 | |
| 14 | $8,951 | 6.625% | — | 36 | +$2,044 | |
| 15 | $9,448 | 6.625% | — | 34 | +$2,541 | |
| 16 | $9,616 | 6.500% | — | 33 | +$2,709 | |
| 17 | $9,692 | 6.500% | — | 31 | +$2,785 | |
| 18 | $9,928 | 6.750% | — | 57 | +$3,021 | |
| 19 | $10,256 | 6.625% | — | 49 | +$3,349 | |
| 20 | $10,345 | 6.750% | — | 35 | +$3,438 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Churchill Mortgage Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $6,907 | $7,127 | −$220 (−3.1%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.