Churchill Mortgage Review 2025

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

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

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

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