Champions Funding, LLC mortgage approval rate & lending review
Champions Funding, LLC decided 19,725 mortgage applications and funded 14,013 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Champions Funding, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Champions Funding, LLC at a glance
Approval is 9.0 points below the 80.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 73% | 3,915 / 5,327 | 100% | $345K | 3,909 |
| Cash-out refinance | 61% | 1,493 / 2,457 | 100% | $365K | 1,489 |
| Refinance | 55% | 327 / 593 | 100% | $405K | 326 |
| Investment property purchase | 79% | 3,573 / 4,536 | 100% | $315K | 3,562 |
| Investment cash-out refinance | 72% | 3,602 / 4,990 | 100% | $275K | 3,589 |
| Investment refinance | 63% | 1,139 / 1,822 | 100% | $305K | 1,138 |
Champions Funding, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 72% | $305K | 4,451 | 3,192 |
| California | 66% | $545K | 3,321 | 2,189 |
| Texas | 71% | $255K | 2,181 | 1,539 |
| New Jersey | 78% | $405K | 1,478 | 1,146 |
| New York | 79% | $565K | 1,233 | 966 |
| Georgia | 67% | $265K | 728 | 488 |
| Arizona | 72% | $365K | 711 | 513 |
| North Carolina | 74% | $255K | 459 | 338 |
| Connecticut | 81% | $305K | 431 | 349 |
| Pennsylvania | 74% | $215K | 427 | 317 |
| Illinois | 70% | $255K | 415 | 289 |
| Tennessee | 71% | $345K | 406 | 288 |
| South Carolina | 73% | $245K | 383 | 280 |
| Colorado | 69% | $455K | 347 | 239 |
| Michigan | 67% | $235K | 277 | 185 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Champions Funding, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Miami-Dade County, FL | Investment property purchase | 80% | 222 | 176 |
| Los Angeles County, CA | Cash-out refinance | 59% | 219 | 130 |
| Los Angeles County, CA | Investment cash-out refinance | 60% | 182 | 108 |
| Miami-Dade County, FL | Investment cash-out refinance | 72% | 146 | 105 |
| Harris County, TX | Investment cash-out refinance | 77% | 132 | 101 |
| Harris County, TX | Investment property purchase | 77% | 131 | 100 |
| Mercer County, NJ | Investment cash-out refinance | 84% | 115 | 97 |
| Kings County, NY | Investment cash-out refinance | 70% | 115 | 80 |
| Broward County, FL | Investment property purchase | 74% | 105 | 78 |
| Suffolk County, NY | Investment property purchase | 85% | 92 | 78 |
| Los Angeles County, CA | Investment property purchase | 78% | 98 | 76 |
| Maricopa County, AZ | Investment cash-out refinance | 75% | 100 | 75 |
The county markets where Champions Funding, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Champions Funding, LLC
What is Champions Funding, LLC's mortgage approval rate?
Champions Funding, LLC approved 71.2% of the 19,725 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.0 points below the 80.3% national rate for the same mix of loan types.
How often do borrowers take the loan Champions Funding, LLC offers?
Borrowers accepted 100% of the loans Champions Funding, LLC approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Champions Funding, LLC make?
The typical home purchase mortgage loan Champions Funding, LLC made was $345K; across all loan types its typical loan ran from $275K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Champions Funding, LLC lend?
Champions Funding, LLC decided applications in 49 of the states Fat Boy Data covers, most of them in Florida, California and Texas.
Can I apply to Champions Funding, LLC directly?
Yes. Champions Funding, LLC reports as a direct lender that takes applications from borrowers.
Does this page show Champions Funding, LLC's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Champions Funding, LLC treats applications, then get a rate quote from the lender.