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Churchill Mortgage Corporation
Independent Mortgage Company•NASHVILLE, TN•Direct to Consumer
We analyzed every closed loan from Churchill Mortgage — 5.7k loans across 9k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Mediocre
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
National · 49 mkts
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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
Explore another lender or local market
Report Card
Churchill Mortgage Corporation performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Below peers +46.9 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
USDA | Industry Standard Top 60% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 4,252 | 74.7% | +0.464%Above | $3,562Fees | ||||
FHA Loans | 987 | 17.3% | +0.737%Above | $4,200Fees | ||||
VA Loans | 376 | 6.6% | -0.122%Below | $4,384Fees | ||||
Jumbo Loans | 53 | 0.9% | +0.383%Above | $2,113Fees | ||||
USDA Loans | — | 26 | 0.5% | +0.429%Above | $2,889Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 5,014 | 88.1% | +0.480%Above | $3,717Fees | ||||
Refinance | 680 | 11.9% | +0.393%Above | $3,599Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
5,694
Applications
9,049
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.469%
vs. market APOR
Avg Net Fees
$3,704
Origination − Credits
Pullthrough Rate
62.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$324,807
Avg Borrower Income
$123,869
Avg Property Value
$422,836
Geographic Coverage
Geographic Performance
Metro Areas
49
States Served
49
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
AKALARAZCACOCTDCDEFLGAIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Nashville, TNMSA
Volume: 449Mix: 7.89%of portfolio
Place
Exceptional2
Missoula, MT, MTMSA
Volume: 60Mix: 1.05%of portfolio
Place
Exceptional3
Omaha, NE, NE-IAMSA
Volume: 270Mix: 4.74%of portfolio
Place
Exceptional4
Elkhart, INMSA
Volume: 106Mix: 1.86%of portfolio
Place
Exceptional5
Grand Rapids, MIMSA
Volume: 308Mix: 5.41%of portfolio
Place
Strong6
Kennewick, WAMSA
Volume: 78Mix: 1.37%of portfolio
Place
Strong7
Bend, OR, ORMSA
Volume: 54Mix: 0.95%of portfolio
Place
Strong8
Waco, TX, TXMSA
Volume: 59Mix: 1.04%of portfolio
Place
Strong9
Salisbury, MD, MDMSA
Volume: 31Mix: 0.54%of portfolio
Place
Strong10
Cincinnati, OHMSA
Volume: 109Mix: 1.91%of portfolio
Place
StrongShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
TNState
Volume: 652Mix: 11.45%of portfolio
Place
Exceptional2
NEState
Volume: 325Mix: 5.71%of portfolio
Place
Strong3
MIState
Volume: 526Mix: 9.24%of portfolio
Place
Strong4
WAState
Volume: 282Mix: 4.95%of portfolio
Place
Strong5
ORState
Volume: 231Mix: 4.06%of portfolio
Place
Strong6
TXState
Volume: 540Mix: 9.48%of portfolio
Place
Strong7
MDState
Volume: 253Mix: 4.44%of portfolio
Place
Strong8
MTState
Volume: 126Mix: 2.21%of portfolio
Place
Strong9
INState
Volume: 268Mix: 4.71%of portfolio
Place
Strong10
IDState
Volume: 176Mix: 3.09%of portfolio
Place
StrongShowing 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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.