Champions Funding in Missouri vs the state
32.3%Denial rate+17.21 pts vs state
39.4%Decision denial rate+20.72 pts vs state
49.6%Origination rate-13.05 pts vs state
7.63%Median rate+1.00 pts vs state
—Rate spread (pts)
$289kMedian applicant income
63Loans originated
41Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 3 | 40.0% | 8.25% | #590 |
| 2024 | 14 | 9 | 14.3% | 7.50% | #454 |
| 2025 | 127 | 63 | 32.3% | 7.63% | #239 |
What Champions Funding lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Champions Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 36 | 18 | 9 | 25.0% |
| St. Louis County | 35 | 22 | 9 | 25.7% |
| St. Louis city | 22 | 12 | 8 | 36.4% |
| Jefferson County | 6 | 2 | 4 | 66.7% |
| Greene County | 5 | 4 | 1 | 20.0% |
| Clay County | 3 | 0 | 0 | 0.0% |
| Cass County | 2 | 0 | 2 | 100.0% |
| St. Charles County | 2 | 0 | 2 | 100.0% |
| Newton County | 2 | 0 | 1 | 50.0% |
| Stone County | 2 | 2 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 127 applications in 2025, of which 63 were originated and 41 denied.
32.3% of all applications, or 39.4% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Champions Funding originated in Missouri 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 Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology