Champions Funding in Georgia vs the state
24.0%Denial rate+4.77 pts vs state
30.2%Decision denial rate+5.10 pts vs state
55.1%Origination rate+1.03 pts vs state
7.75%Median rate+1.13 pts vs state
2.21Rate spread (pts)+1.94 pts vs state
$206kMedian applicant income
409Loans originated
178Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 136 | 58 | 55.2% | 9.88% | #269 |
| 2024 | 231 | 120 | 19.9% | 8.81% | #215 |
| 2025 | 742 | 409 | 24.0% | 7.75% | #115 |
What Champions Funding lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Champions Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 162 | 80 | 52 | 32.1% |
| Gwinnett County | 90 | 54 | 21 | 23.3% |
| DeKalb County | 75 | 50 | 9 | 12.0% |
| Cobb County | 62 | 35 | 8 | 12.9% |
| Clayton County | 28 | 17 | 6 | 21.4% |
| Chatham County | 27 | 13 | 5 | 18.5% |
| Cherokee County | 23 | 14 | 4 | 17.4% |
| Hall County | 19 | 8 | 8 | 42.1% |
| Forsyth County | 16 | 8 | 4 | 25.0% |
| Henry County | 15 | 8 | 4 | 26.7% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 742 applications in 2025, of which 409 were originated and 178 denied.
24.0% of all applications, or 30.2% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Champions Funding originated in Georgia in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are Champions Funding's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology