Champions Funding in Minnesota vs the state
30.3%Denial rate+16.70 pts vs state
39.2%Decision denial rate+22.87 pts vs state
47.0%Origination rate-19.40 pts vs state
8.13%Median rate+1.50 pts vs state
2.19Rate spread (pts)+1.94 pts vs state
$208kMedian applicant income
31Loans originated
20Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 18 | 8 | 27.8% | 9.13% | #390 |
| 2025 | 66 | 31 | 30.3% | 8.13% | #257 |
What Champions Funding lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Champions Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 20 | 10 | 6 | 30.0% |
| Ramsey County | 11 | 4 | 5 | 45.5% |
| Dakota County | 7 | 2 | 2 | 28.6% |
| Washington County | 5 | 3 | 2 | 40.0% |
| Wright County | 5 | 4 | 0 | 0.0% |
| Anoka County | 4 | 2 | 1 | 25.0% |
| Stearns County | 3 | 1 | 1 | 33.3% |
| Itasca County | 2 | 0 | 0 | 0.0% |
| Carver County | 2 | 2 | 0 | 0.0% |
| Pine County | 1 | 0 | 1 | 100.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 66 applications in 2025, of which 31 were originated and 20 denied.
30.3% of all applications, or 39.2% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Champions Funding originated in Minnesota in 2025 was 8.13%, against a statewide median of 6.63%.
About this data. Figures are Champions Funding's own HMDA filing for properties located in Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology