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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Churchill Mortgage Review

Updated on:
Content was accurate at the time of publication.

Lender rating: 3 out of 5

Minimum credit score: 620

Minimum down payment: 0% to 3.5%

Available loan products and programs: Conventional, FHA, VA, USDA, jumbo, no-credit-score loans

  Our verdict: Churchill Mortgage is a good fit for borrowers with at least a 620 credit score to buy a home. They also offer a “no-score” program for borrowers who are avoiding using credit but need a loan to buy a home.


  Mortgage options available for borrowers with no credit scores

  Wide variety of loan programs including standard government loan programs

  Full credit approval program for borrowers who haven’t found a house

  Higher credit standards for FHA loans than FHA requires

  No home equity loan or HELOC offered

  No online rate or fee information

In operation since 1992, Churchill Mortgage is a full-service mortgage company that operates in 49 states and is headquartered in Brentwood, Tenn.


Churchill Mortgage offers a number of different conventional loan products including:

  • Loan terms of 10, 20 and 30 years
  • Programs with down payments as low as 3%
  • No mortgage insurance on loans with a 20% down payment

Refinance options are available that allow qualified homeowners to:

  • Lower their monthly mortgage payment
  • Remove private mortgage insurance if they have enough equity
  • Switch to a shorter term (such as a 15-year fixed rate) to pay their balance off faster and reduce the total interest they pay
  • Replace an FHA loan or adjustable-rate mortgage (ARM) with a conventional loan to save money or avoid a rate increase in the future


Churchill Mortgage is approved to offer loans insured by the Federal Housing Administration (FHA). Homebuyers may qualify for an FHA loan if:

  • Their credit score is at least 620
  • They have a 3.5% down payment
  • They are living in the home they plan to buy as a primary residence


Borrowers retired from or currently serving in the military may be eligible for loans backed by the U.S. Department of Veterans Affairs (VA). Features of Churchill Mortgage’s VA loans include

  1. Financing up to 100% of your purchase or refinance value
  2. No mortgage insurance regardless of your down payment


Borrowers who need a loan above the conforming loan limits in their area can choose Churchill Mortgage’s jumbo loan options. Expect a larger down payment and a higher minimum credit score requirement to qualify.

Special programs

USDA home loans. USDA loans are zero-down programs designed to help borrowers who want to purchase homes in rural areas. The U.S. The Department of Agriculture (USDA) backs the program and sets income limits that usually change every year.

Churchill Certified Home Buyer program. This program allows borrowers to receive a full underwriting review of their application and all financial documents before they are under contract to buy a home. With a standard mortgage preapproval, the loan package isn’t submitted to an underwriter until after you have an accepted purchase offer.

No-score loans. Churchill Mortgage offers a loan for borrowers that have no credit score because they are debt free. The process involves something called a “manual underwrite,” which means the lender determines your eligibility for the loan without a traditional credit score.


Compared to other large national lenders, Churchill’s rates are reasonably competitive, and on average came in around 0.6 percentage points above the average prime offer rate (APOR) in 2022. The APOR is a benchmark rate that captures what is, in effect, the lowest APR a bank is likely to offer in the current market. Mortgage loans aren’t typically considered “higher-cost” until they reach 1.5 percentage points over the APOR.

Churchill Mortgage doesn’t post its mortgage rates online.


The lender’s fees also aren’t disclosed on the website. However, we do know that the average total cost of taking out a mortgage with Churchill was $6,427 in 2022, according to data from the Federal Financial Institutions Examination Council (FFIEC). That included an average of $3,037 in origination fees.

Mortgage rates published online?
Rate information updated daily or weekly?
Lender fees disclosed?

Clicking on the site’s “Get Started” button takes users to a contact form that is forwarded to a Churchill Mortgage loan officer for a phone call or email. No actual online application form was found on the site, and there doesn’t appear to be a way to send documents digitally.

The website describes a traditional loan process with no mention of a digital portal or electronic closing process.

How to boost your loan approval odds

Churchill doesn’t disclose the exact minimum requirements it uses to approve or deny your application. However, based on nationwide data from 2022, we can say that Churchill approved customers who — on average — had a 78% loan-to-value (LTV) ratio or better. Most had a debt-to-income (DTI) ratio below 40%.

In that same year, Churchill only denied about 6% of its mortgage applications. That’s uncommonly low when compared with other large, national mortgage lenders. For comparison, most large lenders have denial rates ranging from the low teens to the mid-thirties.

Homeowners with a current Churchill Mortgage loan can contact the lender by:

  • Calling 1-888-665-8407
  • Emailing the support team at the email address listed on the website.
  • Filling out a contact form on the loan servicing center page

There is an interactive map of the U.S. you can click on to find branches and loan officers in your area. You can also call 1-888-562-6200 with general questions.

Churchill MortgageAmeriSaveWintrust Mortgage
Lender rating
Minimum credit score620580Not published
Minimum down payment0% to 3.5%0% to 20%0% to 3.5%
Loan products and programs
  • Conventional
  • FHA
  • VA
  • USDA
  • Jumbo
  • No-score loans
  • Conventional
  • FHA
  • VA
  • USDA
  • Jumbo 
  • Refinance
  • Cash-out refinance
  • Conventional
  • FHA
  • VA
  • USDA
  • HELOCs
  • Jumbo
Rate spread*0.60%0.34%Not available

*Rate spread is the difference between the average prime offer rate (APOR) — the lowest APR a bank is likely to offer any private customer — and the average annual percentage rate (APR) Churchill offered to mortgage customers in 2022. The higher the number, the more expensive the loan.

LendingTree’s mortgage lender rating is based on a five-point scoring system that factors in several features, including digital application processes, available loan products and the accessibility of product and lending information.

LendingTree’s editorial team calculates each rating based on a review of information available on the lender’s website. Lenders receive a half-point on the “offers standard mortgage products” criterion if they offer only two of the three standard loan programs (conventional, FHA and VA). In some cases, additional information was provided by a lender representative.

Churchill Mortgage’s scorecard: 3/5

  Publishes rates online

  Offers standard mortgage products

  Includes detailed product info online

  Shares resources about mortgage lending

  Provides an online application

 = 0 points   ⭕ = 0.5 points    = 1 point

Today's Mortgage Rates

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