Champions Funding in Florida vs the state
19.2%Denial rate-1.83 pts vs state
24.1%Decision denial rate-3.12 pts vs state
60.3%Origination rate+7.57 pts vs state
7.63%Median rate+1.00 pts vs state
2.23Rate spread (pts)+1.96 pts vs state
$236kMedian applicant income
2,262Loans originated
722Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 662 | 287 | 54.5% | 9.50% | #197 |
| 2024 | 1,254 | 725 | 16.6% | 8.75% | #123 |
| 2025 | 3,754 | 2,262 | 19.2% | 7.63% | #57 |
What Champions Funding lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Champions Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 632 | 376 | 137 | 21.7% |
| Broward County | 390 | 221 | 84 | 21.5% |
| Palm Beach County | 315 | 169 | 78 | 24.8% |
| Lee County | 204 | 137 | 33 | 16.2% |
| Hillsborough County | 192 | 117 | 40 | 20.8% |
| Orange County | 187 | 116 | 25 | 13.4% |
| Pinellas County | 165 | 90 | 35 | 21.2% |
| Polk County | 157 | 99 | 30 | 19.1% |
| Osceola County | 152 | 91 | 34 | 22.4% |
| Sarasota County | 116 | 77 | 19 | 16.4% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 3,754 applications in 2025, of which 2,262 were originated and 722 denied.
19.2% of all applications, or 24.1% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Champions Funding originated in Florida in 2025 was 7.63%, against a statewide median of 6.63%.
About this data. Figures are Champions Funding's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology