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Business Profile

Mortgage Lenders

Churchill Mortgage Corporation

Headquarters

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Mortgage Lenders.

Complaints

This profile includes complaints for Churchill Mortgage Corporation's headquarters and its corporate-owned locations. To view all corporate locations, see

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Churchill Mortgage Corporation has 72 locations, listed below.

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    Customer Complaints Summary

    • 6 total complaints in the last 3 years.
    • 1 complaint closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    • Initial Complaint

      Date:08/22/2024

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I contacted Contribute for a ***** we did all the paper work we got approved they sent the 80k check to church hill mortgage before the check was sent to contacted church for loss mitigation Churchill kept giving us the run around and was denying us . Once they got that check for mortgage relief they hurried rushed us to signing the loss mitigation form and because they rushed us they didnt even take off our liens on our home which is also apart of going thru loss mitigation. (I have the attachments of them saying they returned ****** back to the ***** company that we could've used) They need to be investigated of all these illegal underhanded things.Contribute sent the check back even the the money was to be used for any reason regarding our mortgage loan . The mortgage relief even tried to contact church hill mortgage to resend the check but church hill mortgage made it darn near impossible to get in touch with . They basically did an wrong loss mitigation because they didnt even take off the liens. I got served with papers that they will be selling the house, all this would not have been done if they accepted the ****** *****. they caused alot of hardship that could have been rectified. and i wouldn't have to go through bankruptcy court. I uploaded our email correspondence, and mortgage statement

      Business Response

      Date: 08/29/2024

      This is in response to a complaint submitted by you to the BBB on August 21, 2024 and received in our department on August 21, 2024, regarding the above-referenced loan.
      I t is similar to your December 8, 2023 inquiry which was responded to on December 20, 2023. Enclosed, is a copy of the response sent under separate cover.
      Our records reflect that the above loan is a dismissed, Chapter 13 Bankruptcy, Case Number 24-13354. Please be advised that we have reviewed our credit reporting on this loan and have determined that the loan is accurately being reported. For informational purposes only your loan is due for March 1, 2024. We have carefully reviewed your account history and our records reflect on January 10, 2023 your loss mitigation application was deemed complete, title ordered and sent to a specialist for review. On January 20, 2023 you were approved for a trial plan to take place from March 1, 2023 thru May 1, 2023. On January 30, 2023 we spoke with you confirming the trial plan and your acceptance of the plan. On April 12, 2023 you called in to confirm the trial plan payment for March was received. We advised the money order accepted w as not signed, therefore it was returned for signature. We confirmed your March 1, 2023 and April 1, 2023 trial plan payments were posted to your account on April 24, 2023. We placed a reminder call on May 11, 2023 for the third and final trial plan payment however we were not able to reach you. On June 30, 2023 our records reflect you were placed on another trial plan from June 1, 2023 thru August 1, 2023. Your June 1, 2023 trial plan payment was posted to your account on June 29, 2023. Your July 1, 2023
      trail plan payment was posted to your account on July 24, 2023. On August 29, 2023 your final trial plan payment was posted to your account. Enclosed is a copy of the August 30, 2023 lien release notification requirement sent under separate cover. ************* 12, 2023 you advise our loss mitigation department your would be providing the lien release. On September 27, 2023 you called in and indicated you were still working on gathering the needed documents. On October 2, 2023 your account was removed from loss mitigation for not providing the needed lien release information.

      TH/S DOCUMENT IS AN ATTEMPT TO COLLECT A DEBT, ~I ND ANY /NFORMATION OBTAINED WILL 13E USED FOR THAT PURPOSE. PLEASE NOTE, HOWEVER TN~IT IF YOUARE A DEBTOR IN AN ACTIVE BANKRUPTCY CASE OR HAVE RECEIVED A DISCHARGE IN 6ANKRUPTCY WITH RESPECT TO THE A60VGREFERENCED
      MORTGAGE LOAN. THIS LETTER IS FOR INFORMATIONAL PURPOSES ONLYAND /S NOT A DEMAND FOR PAYMENT OR AN ATTEMPT TO COLLECT A DEBT FROM YOU PERSONALLY.

      Our records reflect on November 13, 2023 you were reviewed and approved for a ****** *** flex trial plan with an effective date of November 2023 thru January 2024.On November 16, 2023 we received an email inquiry from you asking why you were placed on another trial payment plan. It was clarified that the lien release information was never received in the required timeframe which caused removal from the prior trial plan. It was discussed with you on November 16, ******************************************************************** order to continue with the Flex trial plan. On November 27, 2023 our records reflect we spoke with you and you were going to make the October and November missed payments. On November 27, 2023 the 2 payments were applied to your account. On December 1, 2023 the October and November Flex trial plan payments were reversed for non-sufficient funds. Our records reflect you were under review on January 16, 2024 for HHF state assistance. Our ************** attempted to contact the state (HHF) on January 22, 2024 for approval or denial and did not hear back from the state (HHF) until February 6, 2024. Your acceptance and signed loan modification dated
      December 19, 2023 was completed on January 31, 2024. Your loan was no longer considered in arrears. Therefore, your state (HHF) funds were returned to the state on February 6, 2024. Strictly pursuant to your request for information, we are providing you with the following documentation in connection with our servicing of the above referenced loan:

      A) A copy of the January 20, 2023 Flex Modification notification
      B) A copy of the August 30, 2023 request for lien release information
      C) A copy of the of the December 20, 2023 research department response letter

      If you have any questions, please call the Customer ********************** Department at **************.
      Sincerely,
      Default Litigation Specialist
      CC Better Business Bureau
      Of ****************
      *******************************
      *******************

    • Initial Complaint

      Date:02/06/2023

      Type:Customer Service Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I started a mortgage credit approval process with Churchill in September of 2022. I received a Pre-Approval letter and I started searching for a property. I then agreed to Churchill's recommended to do a Certified Approval with them so that when I do find a property my closing would be done in less than the customary 45 days.During the process the loan officer was changed without any communication and I was informed by the new loan officer that I needed to provide proof of no HOA in existence on the property, per their Underwriter. My current property does not have an HOA and it never has. I did all the research that I needed and sent them countless doc's trying to comply that I do not have an HOA, with no success.My mortgage loan was denied due to credit, with no conversation nor further explanation. How do I relay on a mortgage company and their process if they do not communicate with me and simply turn me down when things are not easy for them. Who do I turn to now for help? Am I really not eligible to buy another property? How do I move forward? My credit scores have been impacted by the pulling of their reports yet I am unable to secure a new property and I have no guidance nor information. I have been left clueless and I do not appreciate being treated as an insignificant or uneducated consumer.

      Business Response

      Date: 02/08/2023

      We have discussed this issue with the loan officer and processor. Many attempts were made to resolve the issue of whether *************** were due on the borrowers primary residence.  A closing disclosure from the purchase of that property indicated *************** were present.  Online searches also reflected *************** applied.  Multiple individuals were contacted, including contacts provided by the borrower to determine that *************** were not applicable. None of the contacts were able to provide documentation indicating there were not dues applicable.

      The ultimate reason for the denial is due to a high debt to income ratio although the loan presented other risk issues.  The loan officer attempted to contact the borrower to discuss this but got voicemail and left a message.  The borrower called back and left a very angry message.   The loan officer did not attempt to contact the borrower again.

      We regret how difficult this process has been for our customer.    We recognize that further follow up with the borrower should have occurred and we apologize for this.  Any impacts on credit score should be resolved as the inquiries will drop off the credit report.

      We are sorry that we were unable to offer you financing at this time..  

      Sincerely,

      *****************************
      Compliance Project Manager

    Churchill Mortgage Corporation is NOT a BBB Accredited Business.

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