The Mortgage Record
Lender report card · New Jersey

Churchill Mortgage Corporation

Brentwood, TN · What the federal mortgage record shows about how Churchill Mortgage Corporation treated New Jersey applicants, 2018–2025 — 792 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
91.3%
723 approved
Denial rate
8.7%
69 denied
Decisions
792
2018–2025
Avg. rate spread
+0.48 pp
vs. market benchmark
91.3% approved
8.7% denied

Share of 792 New Jersey applications Churchill Mortgage Corporation approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional93.5% of 643 · NJ 87%FHA79.5% of 122 · NJ 79%VA96.2% of 26 · NJ 80%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

72%79%86%93%100%75%91%87%91%94%98%96%95%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Churchill Mortgage Corporation’s rates ran +0.18 pp higher than the typical New Jersey lender (average rate spread +0.48 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Churchill Mortgage Corporation approves

By income
Under $50k72.4% · 58$50–75k92.4% · 145$75–100k90.6% · 191$100–150k92.9% · 212$150–250k95.0% · 140$250k+95.5% · 44
By debt-to-income
Under 36%95.1% · 34936–43%93.5% · 18643–50%94.5% · 181Over 50%61.1% · 72
By down payment (LTV)
20%+ down93.5% · 50410–20% down91.7% · 1095–10% down86.2% · 803–5% down91.2% · 68

Why Churchill Mortgage Corporation denied applications

Credit history45% of denialsDebt-to-income ratio33% of denialsCollateral (value/type)16% of denialsEmployment history4% of denialsUnverifiable information3% of denialsInsufficient cash to close3% of denials

Where Churchill Mortgage Corporation lends in NJ

CountyDecisionsApproval
Bergen County7191.5%
Essex County7088.6%
Burlington County6290.3%
Union County5993.2%
Ocean County5090.0%
Camden County4695.7%
Morris County4393.0%
Monmouth County4192.7%

Fees & closing costs

Median total loan costs
$7,581
home purchase
As % of loan
2.72%
NJ median 1.93%
Priced originations
320
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Churchill Mortgage Corporation’s home-purchase originations — 0.79 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $261. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Churchill Mortgage Corporation (LEI 549300BLL6VL7AXWYP56). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →