Champions Funding in New York vs the state
15.6%Denial rate-4.11 pts vs state
19.2%Decision denial rate-4.85 pts vs state
65.7%Origination rate+6.15 pts vs state
7.50%Median rate+0.88 pts vs state
—Rate spread (pts)
$514kMedian applicant income
950Loans originated
226Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 1 | 80.0% | 8.13% | #514 |
| 2024 | 228 | 129 | 26.3% | 7.75% | #192 |
| 2025 | 1,445 | 950 | 15.6% | 7.50% | #58 |
What Champions Funding lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Champions Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kings County | 194 | 108 | 43 | 22.2% |
| Suffolk County | 186 | 130 | 24 | 12.9% |
| Queens County | 138 | 84 | 27 | 19.6% |
| Orange County | 123 | 81 | 14 | 11.4% |
| Rockland County | 106 | 80 | 9 | 8.5% |
| Nassau County | 105 | 67 | 17 | 16.2% |
| Westchester County | 94 | 64 | 14 | 14.9% |
| Sullivan County | 83 | 61 | 6 | 7.2% |
| Bronx County | 82 | 47 | 20 | 24.4% |
| Erie County | 36 | 25 | 6 | 16.7% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 1,445 applications in 2025, of which 950 were originated and 226 denied.
15.6% of all applications, or 19.2% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Champions Funding originated in New York in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Champions Funding's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology