Churchill Mortgage Review 2026

Churchill Mortgage is a privately held lender based in Brentwood, Tennessee. The company was founded in 1992 and has more than 60 branch locations across the U.S. In 2024, Churchill originated more than 6,000 loans, most which were conventional loans.

Pros and cons of Churchill Mortgage

Affordability: 3.4 stars

Churchill Mortgage’s rates are a weak point, giving it a lower score for affordability. 

• Interest rates: Churchill’s mortgage rates tend to be higher than Bankrate averages at the time of publication.
• Down payment: Churchill offers low- and no-down-payment government programs, such as FHA loans and VA loans, as well as low-down-payment conventional options like HomeOne and HomeReady. Crucially, if you apply for a standard conventional mortgage from Churchill, the minimum down payment is 3.5 percent. 

Availability: 5 stars

Churchill Mortgage’s wide variety of mortgage options and nationwide reach earn it high marks for availability. 

• Home loans offered: Churchill Mortgage provides a massive variety of loan options, including specialty products like ITIN loans for borrowers without Social Security numbers, physician loans, loans for manufactured homes and investment property loans. It also has a conventional product for those buying a home for a family member, as well as non-QM loans and an option for buyers without credit scores.
• Footprint: Churchill does business in most states with the exception of Hawaii and 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: 3.3 stars

Churchill Mortgage has a range of buyer-friendly conveniences, but you’ll need to contact a loan officer for rates, which makes quick comparison-shopping difficult. 

• Preapproval and application process: You can start the purchase loan or refinance process on the lender’s website. There’s a Certified Buyer program, which includes a $10,000 guarantee to the seller if your loan doesn’t close, and a 90-day rate lock, which is somewhat longer than what many competitors offer.
• 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 an excellent rating on Trustpilot. It’s nearly impossible to find a bad review, as the vast majority of borrowers rave about their loan officers. The company also has an A+ rating from the Better Business Bureau, though it’s not accredited by the organization.