Champions Funding in Alabama vs the state
22.2%Denial rate+2.37 pts vs state
27.7%Decision denial rate+2.66 pts vs state
58.1%Origination rate+2.73 pts vs state
7.50%Median rate+1.00 pts vs state
—Rate spread (pts)
$120kMedian applicant income
68Loans originated
26Denied
What Champions Funding lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Champions Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 67 | 42 | 11 | 16.4% |
| Baldwin County | 11 | 8 | 2 | 18.2% |
| Mobile County | 9 | 4 | 3 | 33.3% |
| Macon County | 5 | 4 | 0 | 0.0% |
| Montgomery County | 4 | 1 | 3 | 75.0% |
| Madison County | 3 | 3 | 0 | 0.0% |
| Russell County | 2 | 0 | 1 | 50.0% |
| Cullman County | 2 | 1 | 1 | 50.0% |
| Tuscaloosa County | 2 | 1 | 1 | 50.0% |
| Talladega County | 2 | 1 | 1 | 50.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 117 applications in 2025, of which 68 were originated and 26 denied.
22.2% of all applications, or 27.7% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Champions Funding originated in Alabama in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are Champions Funding's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology