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CHURCHILL MORTGAGE CORPORATION
Independent Mortgage Company|NASHVILLE, TN|National
Loans Originated
5,694
Applications
9,049
Volume
$1 billion
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.469%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,704
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
62.9%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Report Card
CHURCHILL MORTGAGE CORPORATION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | National · 50 metro areas · 49 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$324,807
Average Borrower Income
$123,869
Average Property Value
$422,836
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Exceptional | Mediocre | Strong | 4,252 | 74.7% | +0.464% | $3,562 |
FHA Loans | Sound | Exceptional | Mediocre | Strong | 987 | 17.3% | +0.737% | $4,200 |
VA Loans | Sound | Strong | Mediocre | Strong | 376 | 6.6% | -0.122% | $4,384 |
Jumbo Loans | Sound | Strong | Acceptable | Sound | 53 | 0.9% | +0.383% | $2,113 |
USDA Loans | Acceptable | Sound | N/A | Acceptable | 26 | 0.5% | +0.429% | $2,889 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Mediocre | Strong | 5,014 | 88.1% | +0.480% | $3,717 |
Refinance | Sound | Strong | Acceptable | Sound | 680 | 11.9% | +0.393% | $3,599 |
Geographic Coverage
Metro Areas
49
States Served
49
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARAZCACOCTDCDEFLGAIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Nashville, TNMSA
Volume: 449Mix: 7.89%
Place Specialization
Exceptional
2
Missoula, MT, MTMSA
Volume: 60Mix: 1.05%
Place Specialization
Exceptional
3
Omaha, NE, NE-IAMSA
Volume: 270Mix: 4.74%
Place Specialization
Exceptional
4
Elkhart, INMSA
Volume: 106Mix: 1.86%
Place Specialization
Exceptional
5
Grand Rapids, MIMSA
Volume: 308Mix: 5.41%
Place Specialization
Strong
6
Kennewick, WAMSA
Volume: 78Mix: 1.37%
Place Specialization
Strong
7
Bend, OR, ORMSA
Volume: 54Mix: 0.95%
Place Specialization
Strong
8
Waco, TX, TXMSA
Volume: 59Mix: 1.04%
Place Specialization
Strong
9
Salisbury, MD, MDMSA
Volume: 31Mix: 0.54%
Place Specialization
Strong
10
Cincinnati, OHMSA
Volume: 109Mix: 1.91%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
TNState
Volume: 652Mix: 11.45%
Place Specialization
Exceptional
2
NEState
Volume: 325Mix: 5.71%
Place Specialization
Strong
3
MIState
Volume: 526Mix: 9.24%
Place Specialization
Strong
4
WAState
Volume: 282Mix: 4.95%
Place Specialization
Strong
5
ORState
Volume: 231Mix: 4.06%
Place Specialization
Strong
6
TXState
Volume: 540Mix: 9.48%
Place Specialization
Strong
7
MDState
Volume: 253Mix: 4.44%
Place Specialization
Strong
8
MTState
Volume: 126Mix: 2.21%
Place Specialization
Strong
9
INState
Volume: 268Mix: 4.71%
Place Specialization
Strong
10
IDState
Volume: 176Mix: 3.09%
Place Specialization
Strong
Showing 10 of 45 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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