Champions Funding in Maryland vs the state
30.0%Denial rate+11.15 pts vs state
35.8%Decision denial rate+11.63 pts vs state
53.3%Origination rate-2.41 pts vs state
7.75%Median rate+1.13 pts vs state
1.55Rate spread (pts)+1.30 pts vs state
$122kMedian applicant income
105Loans originated
59Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 5 | 64.3% | 10.63% | #445 |
| 2024 | 20 | 10 | 30.0% | 8.00% | #412 |
| 2025 | 197 | 105 | 30.0% | 7.75% | #163 |
What Champions Funding lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Champions Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore city | 73 | 36 | 33 | 45.2% |
| Prince George's County | 36 | 14 | 9 | 25.0% |
| Baltimore County | 31 | 21 | 5 | 16.1% |
| Montgomery County | 15 | 10 | 1 | 6.7% |
| Anne Arundel County | 11 | 5 | 4 | 36.4% |
| Charles County | 8 | 4 | 4 | 50.0% |
| St. Mary's County | 5 | 5 | 0 | 0.0% |
| Worcester County | 4 | 4 | 0 | 0.0% |
| Carroll County | 3 | 0 | 0 | 0.0% |
| Harford County | 3 | 1 | 1 | 33.3% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 197 applications in 2025, of which 105 were originated and 59 denied.
30.0% of all applications, or 35.8% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Champions Funding originated in Maryland 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 Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology