We chose churchill b/c of Dave Ramsey's endorsement of them but we have been very disappointed with the whole process. We are refinancing our home, and after 2 months we are still waiting to close as they have had to change underwriters and they are still asking for more paperwork from us that they could have gotten in the first 2 weeks. Redicously slow, and no customer service to complain to, although our loan officer has been courteous and somewhat helpful. Go with a local bank instead and save yourself the headache.