Churchill Mortgage

What Churchill Mortgage does

Churchill Mortgage Corporation is a privately held U.S. mortgage lender founded in 1992 and headquartered in Brentwood, Tennessee, operating under NMLS #1591 with licenses spanning 45+ states. The company originates and services purchase and refinance mortgages across conventional, FHA, VA, USDA, and specialized no-credit-score loan programs, serving over 100,000 individual homeowners cumulatively. Its go-to-market blends a direct-to-consumer digital platform (website, HomeScout mobile app, MyChurchill portal, calculators, and online pre-approval) with a sales-led network of Home Loan Specialists distributed across 20+ branch offices, anchored by a RamseyTrusted partnership with Dave Ramsey that drives brand credibility and customer acquisition among debt-averse consumers.

The core product platform centers on the Home Buyer Edge program, which bundles Certified Home Buyer status (full underwriter-reviewed approval), a $10,000 Seller Guarantee, and a 90-day Rate Secured rate cap, positioning Churchill as a competitive alternative to cash offers. A distinctive capability is the No Score Home Loan, which uses manual underwriting on alternative credit data for debt-free borrowers without traditional FICO scores. The company has built a vertically integrated corporate family including Churchill Title Solutions, American Home Escrow & Title, Escrow Services of Tennessee, and The Churchill Agency for title, escrow, and insurance capture, plus Churchill Stateside Group and Churchill Mortgage Construction LLC for affordable housing construction, bridge, and rehabilitation lending tied to LIHTC and HUD Section 223(f) programs.

Revenue is generated primarily through transaction fees on loan origination (purchase and refinance) plus recurring servicing fee income on the retained loan portfolio, with incremental fee revenue from construction and bridge lending on affordable housing projects. Pricing is quote-based and individualized by credit profile, loan amount, and market conditions; the company does not publicly disclose rates or fee schedules. Leadership is anchored by founder, president, and CEO Mike Hardwick and chief technology officer Darren Shaffer. The company is privately held with no disclosed funding rounds, M&A activity, or institutional investors identified in the available data.

Name

Churchill Mortgage

Legal name

Churchill Mortgage Corporation

Website

https://churchillmortgage.com

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

251–500 employees

Short description

Churchill Mortgage is a privately held, multi-state U.S. mortgage lender offering purchase, refinance, FHA, VA, and no-credit-score home loans through a sales-led network of Home Loan Specialists and a direct-to-consumer digital platform, anchored by a RamseyTrusted partnership with Dave Ramsey and vertically integrated title and escrow subsidiaries.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Nondepository Credit Intermediation (5222), Credit Intermediation and Related Activities (522)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

akta.pro secondary industry

Real Estate / Property-Backed Marketplace Lending (Non-mortgage) (FSAKAHAG)

Keywords

• Residential mortgage lending
• Home loan origination
• Mortgage refinancing
• Government-backed home loans
• First-time homebuyer programs

Headquarters

HQ city

Brentwood

HQ country

United States

HQ region

North America

Offices20 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Mortgage Origination: Primary revenue from originating mortgage loans including purchase mortgages and refinances. Covers conventional, FHA, VA, USDA, construction, and no-score loan programs. Revenue generated through origination fees and margin on loan sales.
2. Loan Servicing: Ongoing revenue from servicing existing mortgage loans including escrow management, payment processing, and customer account administration.
3. Construction and Bridge Lending: Through Churchill Mortgage Construction LLC and Churchill Stateside Group, the company provides interim bridge loans and construction financing for affordable housing developments, generating origination fees on these specialized short-term loans.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels11 records

Core offering

Churchill Mortgage is a Brentwood, Tennessee-based residential mortgage lender that originates and services home purchase and refinance loans across 45 U.S. states under NMLS #1591. Its product set spans Conventional, FHA, VA, and a specialized No Score loan program for borrowers without traditional credit scores, distributed through a direct-to-consumer retail channel and a wholesale broker channel. The retail offering is anchored by the Home Buyer Edge program, which bundles a Certified Home Buyer process, a $10,000 Seller Guarantee (if the home does not appraise), and a 90-day Rate Cap that protects home shoppers from rate changes during their search.

Product overview

Churchill Mortgage is a mortgage lending company offering a comprehensive suite of home loan products and financial tools. The core product offering centers on the Home Buyer Edge program, which combines Certified Home Buyer status, a $10,000 Seller Guarantee, and Rate Secured rate protection. The company provides multiple mortgage types including Conventional Loans, FHA Home Loans, VA Home Loans, and No Score Home Loans for debt-free borrowers. Churchill Mortgage also offers an extensive suite of mortgage calculators (Monthly Payment, Affordability, Refinance Break Even, Blended Rate, Biweekly Payment, Extra Payments, Rate Buydown, and loan term conversion calculators), educational eBooks (Home Buyer Starter Kit, Refinancing Starter Kit, 6 Hidden Traps), and customer management tools (MyChurchill Portal, Churchill App, HomeScout mobile app). Additional services include Churchill Checkup for free mortgage analysis and Rate Watch for interest rate alerts. The company operates as a Ramsey Trusted partner aligned with Dave Ramsey's financial principles.

Differentiator

Problem solved

Functional benefit

Products and services

• Conventional Home Loans Conventional conforming residential mortgage loans for home purchase and refinance, offered to individual homebuyers and homeowners across Churchill Mortgage's 45-state retail and wholesale distribution footprint.
• FHA Home Loans FHA-insured residential mortgage loans for eligible first-time and lower-down-payment homebuyers, originated by Churchill Mortgage across its licensed states.
• VA Home Loans VA-guaranteed residential mortgage loans for eligible veterans, active-duty service members, and qualifying spouses, offered through Churchill Mortgage's retail and wholesale channels.
• No Score Home Loans A specialized mortgage product for borrowers who lack a traditional FICO credit score, such as debt-free or thin-file consumers, underwritten using alternative credit criteria and originated by Churchill Mortgage.
• Construction and Bridge Lending Construction and bridge financing for residential real estate developers, homebuilders, and small businesses, delivered through the affiliated Churchill Stateside Group (CSG) entity.
• Mortgage Refinancing Refinance origination services for existing homeowners seeking to lower their rate, change term, or extract equity, available across Conventional, FHA, VA, and No Score product lines.

Quantifiable outcome

• $10,000 Seller Guarantee if loan falls through due to financing issues
• +2 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

Six partnerships are on record, tiered core and minor.

• HUD (U.S. Department of Housing and Urban Development)coreStrategic or Co-development Partner · 31 March 2026Churchill Stateside Group provides loans that transition to permanent financing under HUD Section 223(f) loan program for affordable housing communities, including the Orchard Village project in Detroit, Michigan.
• Foresight Affordable Housing, Inc.minorStrategic or Co-development Partner · 26 March 2026Development partner on the Vineland Gardens rehabilitation project in Vineland, New Jersey. Foresight Affordable Housing worked with Churchill Stateside Group to structure $11,699,000 rehabilitation financing as part of a 4% Low-Income Housing Tax Credit redevelopment.
• Ramsey SolutionscoreGTM or Marketing PartnerChurchill Mortgage is a RamseyTrusted partner, allowing use of Dave Ramsey's branding in marketing materials and access to the Ramsey Radio and podcast audience. This partnership positions Churchill Mortgage as the recommended mortgage provider for Dave Ramsey's millions of followers who follow his debt-free philosophy.
• Churchill Title SolutionscoreTechnology or IntegrationAffiliated title company within the Churchill Mortgage family that provides title services, insurance policies, and closing day handling as part of the mortgage transaction process.
• The Churchill AgencyminorChannel Partner/ Reseller/ DistributorInsurance-related services provider affiliated with Churchill Mortgage for property and related insurance products.
• Churchill Stateside GroupcoreOthersAffiliate of Churchill Mortgage providing specialized financing for affordable housing developments, including construction loans, bridge loans, and rehabilitation financing. The group recently closed $900,000 interim bridge loan for Orchard Village in Detroit and $11,699,000 rehabilitation loan for Vineland Gardens in New Jersey.

Scale indicators5 records

Recent moves1 record

Expansion highlights5 records

Broad incumbents

• Rocket Mortgage: Largest US retail mortgage originator offering conventional, FHA, VA, and refinance products via direct-to-consumer digital platform plus loan officers. Directly comparable as a multi-channel mortgage banker serving home purchase and refinance customers nationwide.
• United Wholesale Mortgage (UWM): Largest US mortgage lender by volume, focused on the wholesale broker channel. Comparable as a major non-depository mortgage banker with national reach and broad loan program offerings.
• loanDepot: Major retail and wholesale mortgage lender offering purchase and refinance products via direct-to-consumer, loan officer, and partner channels. Comparable as a diversified multi-channel mortgage banker with national footprint.
• NewRez (New Residential Investment Corp / Shellpoint): National mortgage lender and servicer offering retail, wholesale, and correspondent channels. Comparable as a diversified non-depository mortgage company with origination, servicing, and specialty lending capabilities.

Direct peers

• Fairway Independent Mortgage: Mid-sized retail mortgage banker with branch network across 40+ states, focused on purchase mortgages and personal service. Closely comparable in scale, business model, and customer segment to Churchill Mortgage.
• Guild Mortgage: Mid-sized retail mortgage lender operating branches across 40+ states with focus on purchase mortgages and specialty programs including government and non-QM loans. Comparable as a national branch-based mortgage banker with similar program breadth.
• CrossCountry Mortgage: Mid-sized retail mortgage lender with branches in 40+ states, offering conventional, FHA, VA, and specialty loan products. Comparable as a similarly sized multi-channel mortgage banker with national geographic reach.
• Movement Mortgage: Mid-sized retail mortgage lender with branch network across 45+ states and strong focus on purchase originations. Closely comparable in scale, geographic coverage, and customer-focused retail mortgage banking model.

Emerging players

• Angel Oak Mortgage Solutions: Non-QM and alternative documentation mortgage lender serving borrowers who don't fit agency guidelines. Comparable as a specialty mortgage company addressing underserved borrower segments, similar in niche focus to Churchill's No Score Loan program.
• Newfi Wholesale: Non-QM mortgage lender focused on self-employed, non-traditional credit, and non-conforming borrowers. Comparable in addressing alternative-credit and non-standard borrower segments similar to Churchill's manual underwriting approach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/churchillMtg
• YouTubeyoutube.com/channel/UCD3yXVMD0q9hB4NpXuSyniA
• Facebookfacebook.com/ChurchillMortgageMemphis
• LinkedInlinkedin.com/company/89409
• Instagraminstagram.com/churchillmortgage
• Pinterestpinterest.com/churchillmtg

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments2 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Churchill Mortgage