Churchill Mortgage Review 2021

By Ellen Chang

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.

At a glance

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Loans offered

Conventional, FHA, USDA, VA, fixed-rate, adjustable-rate (ARM), jumbo (currently may be limited/suspended); refinancing options include rate-and-term refinancing and cash-out refinancing
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Nationwide availability

Available in 46 states and the District of Columbia; not available in Delaware, Hawaii, Nevada and New York
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Min. credit score required

620 for conventional loans

Pros and cons


  • Offers a mobile app for submitting documents and application
  • Brick-and-mortar locations in many states
  • Rate Watch tool that alerts borrowers when ideal rate becomes available


  • Online information about loan costs and interest rates limited
  • No home equity loans or home equity lines of credit (HELOCs)
  • Approval can take “about three times longer than a normal borrower file and sometimes additional documentation will be requested,” according to the company

Churchill Mortgage overview

Churchill Mortgage is a privately held lender that was founded in 1992 and is based in Brentwood, Tennessee. The lender offers a number of loan products, including conventional loans, FHA loans, jumbo loans (currently may be limited/suspended) and refinancing, as well as a "no-score loan" with manual underwriting for borrowers with unique credit circumstances (currently may be limited/suspended). Churchill Mortgage operates in the majority of states and Washington, D.C., and has brick-and-mortar locations in several states. With the lender’s no-cost Rate Secured program, borrowers can lock in low rates for up to 90 days, with the ability to relock an additional 90 days afterward, to ensure the lowest possible rate.

Loan types

  • Conventional
  • FHA
  • USDA
  • VA
  • Fixed-rate
  • Adjustable-rate (ARM)
  • Jumbo (currently may be limited/suspended)
  • Rate-and-term refinancing
  • Cash-out refinancing

Lender fees

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 620 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:

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