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CHAMPIONS FUNDING, LLC
Independent Mortgage Company|St. Petersburg, FL|Near-National
Loans Originated
348
Applications
704
Volume
$218 million
Sources loans from independent brokers
Overall Pull Through
Acceptable
Pricing and Pullthrough Overview
Pullthrough Rate
49.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Nationwide availability with consistent service
Things to Think About
- Pull through efficiency is below industry average
Report Card
CHAMPIONS FUNDING, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | N/A | No data available | |
Pull Through Closing Strength | Acceptable | Near industry average | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Near-National · 7 metro areas · 26 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$627,155
Average Borrower Income
$561,707
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Sound | N/A | Mediocre | 278 | 79.9% | — | — |
Jumbo Loans | Sound | Strong | N/A | Sound | 70 | 20.1% | — | — |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | N/A | Mediocre | 263 | 75.6% | — | — |
Refinance | Acceptable | Sound | N/A | Acceptable | 85 | 24.4% | — | — |
Geographic Coverage
Metro Areas
6
States Served
26
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AZCACOCTDEFLGAHIIDILMDMINCNJNVOHOKORRISCTNTXUTVAWAWI
Top Metro Areas by Place Specialization Score
1
Los Angeles, CAMSA
Volume: 28Mix: 8.05%
Place Specialization
Sound
2
Houston, TXMSA
Volume: 23Mix: 6.61%
Place Specialization
Sound
3
Miami, FLMSA
Volume: 15Mix: 4.31%
Place Specialization
Sound
4
Phoenix, AZMSA
Volume: 17Mix: 4.89%
Place Specialization
Sound
5
Riverside, CAMSA
Volume: 14Mix: 4.02%
Place Specialization
Sound
6
Lakewood, NJMSA
Volume: 10Mix: 2.87%
Place Specialization
Sound
Top States by Place Specialization Score
1
CAState
Volume: 106Mix: 30.46%
Place Specialization
Strong
2
FLState
Volume: 67Mix: 19.25%
Place Specialization
Sound
3
TXState
Volume: 35Mix: 10.06%
Place Specialization
Sound
4
NJState
Volume: 20Mix: 5.75%
Place Specialization
Sound
5
AZState
Volume: 19Mix: 5.46%
Place Specialization
Sound
6
GAState
Volume: 12Mix: 3.45%
Place Specialization
Sound
7
NCState
Volume: 10Mix: 2.87%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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