Purchase Originations
2,238
Ranked #204 nationally
Median Total Costs
$15,152
+126.8% vs national ($6,680)
↓ $1,380 vs prior year
Median Rate
8.375%
+29.0% vs national (6.490%)
↓ 0.625% vs prior year
Median Origination
$11,375
Median Lender Credits
$460
Cost Rank (500+ vol.)
#610
among lenders with 500+ originations
Denial Rate
17.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,238 | 8.375% | $15,152 | $11,375 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 517 | 8.500% | $15,153 | #90 |
| Texas | 356 | 8.375% | $14,004 | #142 |
| California | 345 | 8.125% | $19,869 | #109 |
| New Jersey | 117 | 8.375% | $17,647 | #99 |
| Georgia | 104 | 8.500% | $15,135 | #140 |
| Arizona | 87 | 8.625% | $15,385 | #110 |
| South Carolina | 79 | 8.625% | $12,788 | #134 |
| Illinois | 68 | 8.562% | $14,117 | #174 |
| North Carolina | 65 | 8.375% | $16,854 | #180 |
| Tennessee | 57 | 8.750% | $13,546 | #175 |
| Michigan | 56 | 8.562% | $11,017 | #146 |
| Connecticut | 45 | 8.750% | $15,185 | — |
| Colorado | 42 | 8.625% | $16,275 | — |
| Virginia | 38 | 8.312% | $13,921 | — |
| Ohio | 33 | 8.875% | $11,248 | — |
| Oregon | 32 | 8.625% | $15,175 | — |
| Washington | 23 | 7.375% | $16,473 | — |
| Pennsylvania | 22 | 7.750% | $12,310 | — |
| Indiana | 19 | 8.375% | $13,768 | — |
| Utah | 19 | 8.375% | $16,369 | — |
| Nevada | 18 | 7.375% | $13,721 | — |
| Idaho | 17 | 8.500% | $14,102 | — |
| Maryland | 16 | 7.688% | $14,315 | — |
| Hawaii | 13 | 8.375% | $21,140 | — |
| Minnesota | 13 | 8.625% | $12,226 | — |
| Montana | 8 | 9.250% | $19,844 | — |
| Oklahoma | 8 | 8.625% | $10,836 | — |
| Wisconsin | 7 | 7.625% | $14,260 | — |
| Rhode Island | 6 | 9.375% | $22,924 | — |
| Delaware | 4 | 8.438% | $18,200 | — |
| Iowa | 2 | 9.750% | $9,712 | — |
| Maine | 1 | 8.125% | $15,121 | — |
| Vermont | 1 | 9.125% | $15,833 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $12,471 | 8.125% | — | 33 | −$2,681 | |
| 2 | $12,522 | 8.750% | — | 34 | −$2,630 | |
| 3 | $13,164 | 8.375% | — | 72 | −$1,988 | |
| 4 | $13,563 | 8.625% | — | 40 | −$1,589 | |
| 5 | $14,082 | 8.375% | — | 32 | −$1,070 | |
| 6 | $14,234 | 8.375% | — | 27 | −$918 | |
| 7 | $14,697 | 8.500% | — | 22 | −$455 | |
| 8 | $15,101 | 8.375% | — | 49 | −$51 | |
| 9 | $15,569 | 8.688% | — | 26 | +$417 | |
| 10 | $15,961 | 8.125% | — | 23 | +$809 | |
| 11 | $16,370 | 8.500% | — | 27 | +$1,218 | |
| 12 | $16,372 | 7.937% | — | 20 | +$1,220 | |
| 13 | $16,947 | 8.625% | — | 61 | +$1,795 | |
| 14 | $18,392 | 8.125% | — | 27 | +$3,240 | |
| 15 | $19,610 | 8.750% | — | 46 | +$4,458 | |
| 16 | $19,626 | 7.625% | — | 37 | +$4,474 | |
| 17 | $22,533 | 7.999% | — | 52 | +$7,381 | |
| 18 | $23,603 | 7.999% | — | 33 | +$8,451 | |
| 19 | $24,014 | 8.125% | — | 41 | +$8,862 | |
| 20 | $24,844 | 8.250% | — | 65 | +$9,692 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Champions Funding, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $335,000 | $335,000 | +$0 (+0.0%) |
| Median total closing costs | $15,152 | $7,127 | +$8,025 (+112.6%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.