Champions Funding, Llc
Gilbert, AZ · What the federal mortgage record shows about how Champions Funding, Llc treated New Jersey applicants, 2018–2025 — 563 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 563 New Jersey applications Champions Funding, Llc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.
Approval rate by loan type
“NJ” = the statewide average approval rate for that loan type, for comparison.
Approval rate over time
Pricing
Adjusting for its loan-type mix, Champions Funding, Llc’s rates ran +2.45 pp higher than the typical New Jersey lender (average rate spread +2.67 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who Champions Funding, Llc approves
Why Champions Funding, Llc denied applications
Where Champions Funding, Llc lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Bergen County | 75 | 77.3% |
| Ocean County | 63 | 87.3% |
| Monmouth County | 53 | 73.6% |
| Morris County | 43 | 83.7% |
| Passaic County | 41 | 75.6% |
| Essex County | 41 | 73.2% |
| Union County | 39 | 76.9% |
| Middlesex County | 38 | 71.1% |
Fees & closing costs
Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Champions Funding, Llc’s home-purchase originations — 2.86 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $200. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →
Compare Champions Funding, Llc to other lenders for your profile
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Open the approval tool →Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Champions Funding, Llc (LEI 984500U2F9A83N391A91). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →