About Churchill Mortgage

Founded in 1992 in Brentwood, Tennessee, Churchill Mortgage is a prominent and financially sound leader in the mortgage industry, providing Conventional, FHA, and VA residential mortgages in a majority of states. We have earned the reputation as a mortgage company that can get loans done that other companies have not been able to. And the fact that we receive most of our business by referrals sets us even further apart.

We're also the only mortgage company that financial author and talk show host, Dave Ramsey, has ever endorsed. Dave's endorsement is based on his personal knowledge of Churchill's owner and executive staff, as well as his confidence in Churchill's service commitment to each and every customer.


Our Founder

Churchill Mortgage Corporation was founded in Brentwood, TN, in 1992 by Lawson H. (Mike) Hardwick, III. Mike is the son of L.H. Hardwick Jr., formerly senior pastor and founder of Christ Church located in Nashville, TN.

He is a lifetime resident of Nashville, with the first half of his career spent in commercial and investment banking with two nationally known firms. In the early 80's, Mike founded a condo conversion company, which grew to be the largest in the nation. Shortly after the peak of that business, Mike became one of the principal founders of Franklin National Bank in Franklin, TN. He served as an Executive Vice President until 1992, and then founded Churchill Mortgage. He continued serving on the Board of Directors for Franklin National Bank for several years thereafter until it was acquired by Fifth Third Bank.

It has been said Mike is one of the best known non-politician/celebrity in Nashville. For that reason and due to his desire to serve his clients, in a matter of months, Churchill grew to 8 employees, and today has over 300.

"I have been in the mortgage and finance business for over 30 years, and have found that it is really a 'people' business where there needs to be a relationship of trust. That is what I enjoy most -- caring for people."

Dave Ramsey and Churchill

Watch Dave's video about his relationship with Mike Hardwick, and Churchill Mortgage.

Dave and Mike grew up in the same neighborhood, and Dave attended Mike's father's church as an adult. When Dave got the idea to start a radio show, he naturally went to his good friend, Mike Hardwick, with the idea. Mike immediately told him how ridiculous it was for Dave to start a financial talk show when he had just come out of bankruptcy. But Dave was persistent! Mike finally gave in and became Dave's first sponsor when Dave's show was on a bankrupt, 5,000 watt radio station that didn't even reach into Nashville.

But, as fate would have it, the station was bought and Dave's show debuted in Nashville a few years later. That led to syndication, and now Dave Ramsey is the #3 talk show host in the nation on over 500 radio stations!

Here's What Dave Ramsey says about Churchill Mortgage:

"If you've listened to The Dave Ramsey Show for any amount of time, then you know that the only mortgage company I endorse is Churchill Mortgage. I've been telling people about Churchill since 1992, and the reason I've chosen to endorse them for that long is two-fold:
They deliver great service, and they always strive to do what's best for the customer!
Wouldn't it be cool if you could get a great rate and save big money on your biggest investment-your mortgage? You can do just that if you contact Churchill Mortgage to do what they do best, help people. Believe me, you won't be disappointed!"

Our relationship with Dave and his organization is one that's been built on trust and service excellence for over 20 years, and we are honored to continually earn his exclusive endorsement.

Our Commitments

At Churchill, one of our guiding Core Values is we place people before profits.

As co-owners of this great company, every team member is committed to helping our customers achieve the real American dream of debt-free homeownership, and that starts with building meaningful relationships from the very first conversation.
And as our customers share their needs, goals, dreams and desires for their families, we apply those principles to a long-term strategy that we help them manage until they're mortgage-free!

A mortgage company focused on helping you become debt-free? Sounds a little weird.

We're okay with being thought of as weird. If weird means we have the freedom to help people, unselfishly, every day - then we like weird just fine! We've helped over 100,000 people with mortgage loans and advice, and we've been doing it this way for over 20 years.
The freedom to really help our customers is what makes our company different, and what makes our team members excited about the opportunities in each work day.

We embrace our responsibility to serve our customers and communities by establishing long-lasting relationships based on honesty, integrity and trust.
By focusing on the right loan product for you, while providing education and tools necessary to assist you in the decision-making process, we ensure you are placed in the appropriate mortgage loan based on your needs, goals, and individual financial situation.

Thanks for allowing us the opportunity to serve you!

Points of Interest

  • In 2013, Churchill President, Mike Hardwick, made a bold move when he gave 49% of the company to the employees through an Employee Stock Ownership Plan. Now each employee can benefit from the company's ongoing success, and has a vested interest in making sure we always give our customers the best service in the industry.
  • One of Churchill's main goals for each customer is to see you achieve the Real American Dream of debt-free home ownership! To make this a reality, we use some of the industry's most cutting edge software to deliver a personalized Annual Mortgage Review to help you identify opportunities to save on your mortgage by reducing your payment or the term of your mortgage.
  • Churchill Mortgage has always, and continues to operate the company without debt. We're Debt-Free!
  • See all of our Core Values delivered by our founder, Mike Hardwick