# Champion Credit Union

> **Canonical URL:** https://saferate.com/lenders/champion-credit-union

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

Champion Credit Union is a credit union, headquartered in Canton, NC, with 145 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 79% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 45% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 25490080ZZ98MNHU5R63
- **Headquarters:** Canton, NC
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** NC
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 21/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 55/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.196%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,829
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 145
- **Dollar Volume:** $47 million
- **Applications Received:** 173
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $323,690
- **Average Borrower Income:** $132,152

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 49/100 | 143 | +0.190% | $2,857 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 118 loans, Score: 48/100 (Sound)
- Refinance: 25 loans, Score: 46/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 48/100 | 120 | $41M | +0.195% | Sound ☺️ |
| Refinance | 45/100 | 25 | $6M | +0.201% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NC | 145 | 0.10% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 74 | 56/100 |
| Asheville, NC | NC | 70 | 84/100 |

## Frequently Asked Questions

### What loan types does Champion Credit Union offer?

Champion Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Champion Credit Union offer mortgages?

Champion Credit Union offers mortgages in 1 states: NC.

### How competitive are Champion Credit Union's mortgage rates?

Champion Credit Union has a pricing score of 21/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.196% above market average.

### What type of lender is Champion Credit Union?

Champion Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Canton, NC.

### What is Champion Credit Union's loan approval success rate?

Champion Credit Union has a pull-through score of 55/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/champion-credit-union

### How to Cite

> "Champion Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/champion-credit-union

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