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Churchill Mortgage

Editor's take

Churchill Mortgage is a mid-sized lender with a bevy of loan options for borrowers with varied financial backgrounds, including those with low or no credit scores. Notably, the lender allows you to sign up for interest rate alerts, and with its “Rate Relief” and “Rate Secured” programs, you’ll get discounts on your mortgage payments for two years and the ability to lock your rate for up to 90 days, respectively. There’s also the option to become a “Churchill Certified Home Buyer,” a no-address-needed, fully underwritten preapproval that can help you close one to two weeks earlier. The lender has an easier-to-navigate website compared to some other lenders’, too, though you won’t find current rates unless you contact a loan officer.

Bankrate Score

Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

3.9

Bankrate Score

Loans offered

Conventional, jumbo, FHA, VA, USDA, refinancing and more

Min. credit score required

620 for conventional loans, 580 for FHA loans

Nationwide availability

All U.S. states except Hawaii and New York

Min. down payment

3% for conventional loans, 3.5% for FHA loans, none for VA loans, none for USDA loans

Churchill Mortgage overview

Churchill Mortgage is a privately held lender founded in 1992 and based in Brentwood, Tennessee. It offers a number of mortgage products, including conventional loans, FHA loans, jumbo loans and refinancing, as well as a "no-score loan" with manual underwriting for borrowers with unique credit circumstances. The lender operates in the majority of states and Washington, D.C., and has branch locations in several states.

Pros and cons of Churchill Mortgage

Pros

Offers no-score loans that consider your payment history (such as rent or utilities) instead of credit
Mobile app allows you to submit docs and complete an application
Rate Watch tool alerts you when ideal rate becomes available

Cons

Limited information about interest rates and costs on its website
No home equity loans

How Bankrate scored Churchill Mortgage

Affordability: 3.4/5

Churchill Mortgage doesn’t publicly advertise rates on its website; you’ll need to connect with a loan officer for a custom quote. We score the lender 3.4 out of 5 stars for affordability.

Interest rates: You’ll need to touch base with a Churchill loan officer to learn what rates you might qualify for, but the lender’s Rate Watch tool can alert you when your target rate becomes available.
Down payment:
Closing costs: Churchill Mortgage’s closing costs typically range from 2 percent to 5 percent of the loan amount.

Availability: 5/5

Churchill Mortgage is available to borrowers in all states except New York, and its product lineup includes conventional FHA, VA and USDA loans. Those factors bring its availability score to 5 out of 5 stars.

Home loans offered: Churchill Mortgage has loan options for a variety of needs, including conventional, government-backed and no-credit score mortgages.
Footprint: Churchill does business in most states (with the exception of New York).
Where to find: You can apply for a mortgage with Churchill Mortgage online, by phone or in person at a branch location.

Borrower experience: 3.4/5

Churchill Mortgage lands at 3.4 out of 5 stars for borrower experience, thanks partly to the ability to initiate a request for a rate quote and apply for a mortgage via the Churchill website or app.

Preapproval and application process: You can start the purchase loan or refinance process with Churchill Mortgage on the lender’s website, either with a prequalification (provided within 24 hours) or preapproval (provided in as little as a few hours or up to a few days). From there, you’ll indicate the state where the home is located and provide some personal information so you can speak with a loan officer to review your options. The lender also has an easy-to-use app to track your application.
Transparency: Churchill Mortgage doesn’t showcase current mortgage offers on its website, which can make it tougher to compare costs.
Customer service: You can reach Churchill’s customer service team at 888-562-6200.

Churchill mortgage reputation

Churchill Mortgage has been in business for more than 30 years. The lender has an “excellent” rating on Trustpilot (as of this review).

Refinancing with Churchill Mortgage

Churchill Mortgage offers both rate-and-term and cash-out refinancing options.

How to apply for a mortgage with Churchill Mortgage

You can apply for a mortgage with Churchill Mortgage in person at a branch location, online or by phone at 888-562-6200.

Learn more: How to get a mortgage

To determine a mortgage lender’s Bankrate Score, Bankrate rates lenders on a scale of one (1) to five (5) stars — with five (5) the highest rating — based on a variety of factors relating to the lender’s products and services. To assign our ratings, we assessed each mortgage lender across three core areas:
- Affordability: Annual percentage rate (APR) - 80%; assistance for first-time homebuyers - 10%; down payment - 10%
- Availability: Loan products - 50%; licensing - 40%; credit score - 10%
- Borrower experience: Rate transparency - 35%; customer service - 35%; convenience - 20%; rate locks - 10%; reputation (if applicable)
Learn more about our methodology.

Compare mortgage lenders

Churchill Mortgage

3.9

Bankrate Score

Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

4.9

Bankrate Score

Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

Read full review

4.6

Bankrate Score

Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.