Champions Funding in Arizona vs the state
21.3%Denial rate+5.03 pts vs state
26.4%Decision denial rate+5.99 pts vs state
59.1%Origination rate-0.38 pts vs state
7.75%Median rate+1.25 pts vs state
2.08Rate spread (pts)+1.86 pts vs state
$270kMedian applicant income
367Loans originated
132Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 89 | 48 | 44.9% | 9.56% | #241 |
| 2024 | 197 | 114 | 15.7% | 8.69% | #165 |
| 2025 | 621 | 367 | 21.3% | 7.75% | #99 |
What Champions Funding lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Champions Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 446 | 263 | 92 | 20.6% |
| Pinal County | 45 | 26 | 14 | 31.1% |
| Pima County | 31 | 20 | 5 | 16.1% |
| Mohave County | 24 | 18 | 2 | 8.3% |
| Yavapai County | 19 | 12 | 0 | 0.0% |
| Yuma County | 18 | 8 | 5 | 27.8% |
| Coconino County | 11 | 5 | 5 | 45.5% |
| Cochise County | 8 | 1 | 4 | 50.0% |
| Gila County | 7 | 4 | 3 | 42.9% |
| Navajo County | 4 | 3 | 1 | 25.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 621 applications in 2025, of which 367 were originated and 132 denied.
21.3% of all applications, or 26.4% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Champions Funding originated in Arizona in 2025 was 7.75%, against a statewide median of 6.50%.
About this data. Figures are Champions Funding's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology