Applications / Mortgage Analytics / Lenders / Tennessee / Churchill Mortgage
Brentwood, TN · Independent non-bank lender · CFPB · 6,052 loans in 2025
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6,052
loans originated, 2025
8,660
applications, 2025
49
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Churchill Mortgage is a mainly conventional, Tennessee-based home-purchase lender that lends to low- and moderate-income borrowers more than most similar lenders, though its originations dipped 3% in 2025.
Conventional loans were 75.3% of its originations, against 65.1% at similar lenders (independent non-bank lenders making between half and twice as many loans), more than about three in four of them. FHA loans (insured by the Federal Housing Administration) were 17.2%, against 24.9%. Purchases made up 79.3%, and its typical loan was $275,000, against $325,000.
It made 37.6% of its loans to LMI (low- and moderate-income) borrowers, against 28.4%, more than about four in five similar lenders, up from 24.8% five years earlier. Its shares in LMI areas, 18.3%, and majority-minority areas, 15.7%, against 25.1%, were lower. Its smaller loans may suit lower-income buyers wherever they live, and the mix of areas in its markets may shape the area figures.
Originations fell 3% to 6,052, while similar lenders grew 15% and the whole market 10%. Five years earlier it made 17,301. Its share fell in Nashville-Davidson--Murfreesboro--Franklin, to 0.8% from 1.0%, and in Grand Rapids-Wyoming-Kentwood, to 1.0% from 1.4%; in Omaha it held 1.4%. Slightly lower volume in a growing market could explain part of the fall, and competitors' gains in those markets the rest.
It turned down 2.1% of first-lien home-purchase applications on owner-occupied homes, against 4.6%, lower than about four in five similar lenders. Its refinance denial rate, 8.8%, matched theirs.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Churchill Mortgage took 8,660 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 79.3% · Refinance 20.7%
Conventional 75.3% · FHA 17.2% · VA 6.7% · USDA (RHS or FSA) 0.8% · of 6,052 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Tennessee | 627 | 10.4% |
| Texas | 609 | 10.1% |
| Nebraska | 513 | 8.5% |
| Michigan | 454 | 7.5% |
| Washington | 351 | 5.8% |
| Idaho | 234 | 3.9% |
| Oregon | 219 | 3.6% |
| Ohio | 218 | 3.6% |
| Maryland | 194 | 3.2% |
| California | 189 | 3.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nashville-Davidson--Murfreesboro--Franklin | 436 |
| Omaha | 417 |
| Grand Rapids-Wyoming-Kentwood | 251 |
| Boise City | 160 |
| Dallas-Plano-Irving | 133 |
| Baltimore-Columbia-Towson | 121 |
| Missoula | 110 |
| Cincinnati | 109 |
| Seattle-Bellevue-Kent | 92 |
| Kennewick-Richland | 80 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BLL6VL7AXWYP56 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3913697 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7621494087 | |
| Respondent ID (the HMDA filer code before 2018) | 77608900002 | 2004–2011 |
Established 13 March 1992. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Churchill Mortgage's data.
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