Champion Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
55th8.6% deniedPricingmedian rate spread over APOR, weight 30%
64th0.16 ptsProcesswithdrawn + incomplete share, weight 15%
40th13.7%Closing coststotal loan costs ÷ loan amount, weight 10%
45th2.05% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 302 | 182 | 7.6% | 11.2% | 6.50% | $52M |
| 2024 | 186 | 151 | 5.4% | 6.2% | 6.50% | $48M |
| 2025 | 175 | 138 | 7.4% | 8.6% | 5.50% | $47M |
What Champion Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 0 investment properties.
Why Champion Credit Union denies applications
Primary reason reported for each of the 13 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Champion Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 59 | 47 | 11.3% |
| $100k – $150k | 56 | 47 | 7.8% |
| $150k – $250k | 43 | 35 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 49 | 41 | 8.9% |
| 35–44 | 40 | 36 | 2.7% |
| 45–54 | 26 | 20 | 4.8% |
| 55–64 | 23 | 18 | 10.0% |
Where Champion Credit Union lends
2 states and 11 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| North Carolina | 162 | 138 | 1.9% | 5.50% | #259 |
Frequently asked questions
Champion Credit Union denied 8.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 55th percentile of small mortgage lenders.
The most common reason Champion Credit Union gave in 2025 was "credit history", cited on 61.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Champion Credit Union originated in 2025 was 5.50%, and its median rate spread over the average prime offer rate was 0.16 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 68% of its applications were for home purchases, 9% for refinancing (including cash-out), and 23% for home improvement or other purposes. By loan type: 99% conventional, 1% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.