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Champions Funding

Independent Mortgage Company•St. Petersburg, FLHQ•Wholesale•Reviews near you on Google

Champions Funding has 348 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pull-through
Acceptable
2/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Near-National · 6 mkts

Safe Rate Summary

What They Do Well

  • Nationwide availability with consistent service

Things to Think About

  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Champions Funding performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 7 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Sound
Pricing—
Pull Through
Mediocre
Volume278
Mix79.9%
Spread—
Fees—
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Sound
Volume70
Mix20.1%
Spread—
Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Sound
Pricing—
Pull Through
Mediocre
Volume263
Mix75.6%
Spread—
Fees—
Refinance
Overall
Acceptable
Product
Sound
Pricing—
Pull Through
Acceptable
Volume85
Mix24.4%
Spread—
Fees—

At a Glance

Lender Overview

Lending Activity
Loans Originated
348
Applications
704
Volume
$218 million
Pricing & Closing
Pullthrough Rate
49.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$627,155
Avg Borrower Income
$561,707

Geographic Coverage

Geographic Performance

Metro Areas
6
markets with activity
States Served
26
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

26
26 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast3
CTNJRI
Midwest4
ILMIOHWI
South10
DEFLGAMDNCOKSCTNTXVA
West9
AZCACOHIIDNVORUTWA

Top Metro Areas by Place Specialization Score

1© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 28Mix 8.05% of portfolio
53/100
Sound
2© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 23Mix 6.61% of portfolio
49/100
Sound
3© Venusetdilecti · CC BY-SA 4.0
Miami, FLMetro
Volume 15Mix 4.31% of portfolio
47/100
Sound
4© DPPed · CC BY-SA 3.0
Phoenix, AZMetro
Volume 17Mix 4.89% of portfolio
46/100
Sound
5© Johnwayne Stroud · CC BY-SA 3.0
Riverside, CAMetro
Volume 14Mix 4.02% of portfolio
45/100
Sound
6© Mr. Matté · CC BY-SA 4.0
Lakewood, NJMetro
Volume 10Mix 2.87% of portfolio
41/100
Sound

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 106Mix 30.46% of portfolio
61/100
Strong
Florida
Florida
2
FloridaState
Volume 67Mix 19.25% of portfolio
56/100
Sound
Texas
Texas
3
TexasState
Volume 35Mix 10.06% of portfolio
48/100
Sound
New Jersey
New Jersey
4
New JerseyState
Volume 20Mix 5.75% of portfolio
48/100
Sound
Arizona
Arizona
5
ArizonaState
Volume 19Mix 5.46% of portfolio
47/100
Sound
Georgia
Georgia
6
GeorgiaState
Volume 12Mix 3.45% of portfolio
41/100
Sound
North Carolina
North Carolina
7
North CarolinaState
Volume 10Mix 2.87% of portfolio
38/100
Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.