Bankrate’s editorial team researches, reviews and rates lenders to help you find one that fits your needs. Our experts consider a range of factors, including rates, loan types, time to close, fees and more. Reviews are updated regularly. Bankrate is an independent, advertising-supported comparison service. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy.
No logo available
These user reviews are individual, subjective opinions of reviewers, and not those of Bankrate. We do not endorse the accuracy or relevancy of the information and opinions expressed by any reviewers or any responses to user reviews.
Please note: In response to the coronavirus pandemic, lenders are changing their requirements continuously. Although we strive for accuracy at the time of publication, please be sure to check with the lender for updated details on down payments, credit scores, etc.
Churchill Mortgage is a privately held lender that was founded in 1992 and is based in Brentwood, Tennessee. The lender has been featured on Dave Ramsey's radio show.
Churchill says on its website, "We dig deep to not only understand your present situation but also your long-term needs so that a mortgage plan can be tailored to you. For most people, this will become their single biggest source of wealth. We deliver a smarter strategy through best-in-class loan comparison tools that provide real clarity--not guesswork. We equip you with early pay-off scenarios and lower payment options, all at a level of detail you control."
Mortgages are available in 50 states and the District of Columbia.
Minimum credit score
For conventional loans, key requirements include good credit (typically a FICO score of 580 or higher).
Conventional, FHA, VA and jumbo loans. Refinancing options are available, but details were not provided on the website.
Online application and service available to borrowers
Loan options include fixed-rate, adjustable-rate (ARM), VA, FHA and jumbo mortgages
Mortgage refinancing options, including rate-and-term refinancing and cash-out refinancing
Has brick-and-mortar locations
Online information about loan costs is limited
Home equity loansand home equity lines of credit (HELOCs) aren’t available
Approval time can be lengthy. Company says it can take “about three times longer than a normal borrower file and sometimes additional documentation will be requested.”
Call center hours are limited to 8:00 a.m. to 5:30 p.m. CTMonday thru Friday and 9 a.m. to 3 p.m. CT on Saturday.
Find your mortgage match
Get paired with your best mortgage offers in 2 minutes or less.
Loan options include fixed-rate, adjustable-rate (ARM), VA, FHA and jumbo mortgages.
Churchill mortgage fees vary by loan type.
Minimum borrower requirements
Churchill Mortgage adheres to the conforming loan requirements for mortgages approved by government-sponsored enterprises (GSEs), Fannie Mae and Freddie Mac, as well as those backed by the Federal Housing Administration (FHA) and the Department of Veterans Affairs (VA).
For conventional loans, key requirements include good credit (typically a FICO score of 580 or higher). Depending on the loan, a minimum down payment of 3 percent is required.
For FHA and VA loans, requirements are set by the government. You can find them here:
Get started with Churchill Mortgage
Borrowers can apply online or by phone. There are many brick-and-mortar locations where borrowers can apply in-person.
8:00 a.m. to 5:30 p.m. CT,Monday-Friday and 9 a.m. to 3 p.m. CT on Saturday.