Applications / Mortgage Analytics / Lenders / North Carolina / Churchill Funding I
Charlotte, NC · Non-bank or government lender · CFPB · 179 loans in 2025
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179
loans originated, 2025
363
applications, 2025
24
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Churchill Funding I, a Charlotte non-bank that first reported in 2023, mostly buys loans rather than making them: it bought 2,287 in 2025 and made 179.
Its purchases of loans held steady, at 2,287 in 2025 against 2,239 in 2024. Its own originations fell 63%, from 482 to 179, a steeper fall than any similar lender (non-bank or government lenders making between half and twice as many loans); the typical one grew 7%. The figures do not say why its own lending shrank while its buying did not.
Refinances made up 76.0% of the loans it made, and all were conventional. Its typical loan was $545,000, against $365,000 at similar lenders, and 29.0% were jumbo (larger than the conforming limit), against 0.7%. It made no manufactured-home loans. That is the profile of a lender to higher-value properties.
It lends in 24 states and 49 metros, with North Carolina its main state. In Charlotte, its largest market and home since 2023, it ranked 95 of 775 lenders with 0.2% of the dollars, up from 0.1%. United Wholesale Mortgage and Rocket Mortgage lead there. It entered Dallas-Fort Worth the same year, and its other large markets, from Nashville to rural Colorado and Hawaii, in 2024.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Churchill Funding I took 363 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 76.0% · Purchase 24.0%
Conventional 100.0% · of 179 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| North Carolina | 67 | 37.4% |
| Texas | 27 | 15.1% |
| Florida | 15 | 8.4% |
| Ohio | 8 | 4.5% |
| Georgia | 7 | 3.9% |
| South Carolina | 7 | 3.9% |
| Hawaii | 6 | 3.4% |
| Colorado | 5 | 2.8% |
| New York | 5 | 2.8% |
| California | 4 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charlotte-Concord-Gastonia | 59 |
| Dallas-Plano-Irving | 17 |
| Greenville | 5 |
| Atlanta-Sandy Springs-Roswell | 4 |
| Cape Coral-Fort Myers | 4 |
| Cleveland | 4 |
| Houston-Pasadena-The Woodlands | 4 |
| Nashville-Davidson--Murfreesboro--Franklin | 4 |
| Ocala | 4 |
| Greenville-Anderson-Greer | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549009BJ1OZ4H7KTG46 | 2023–2025 |
Established 3 May 2019. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: Churchill Funding I's data.
Churchill Funding I's data
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