Champions Funding in Pennsylvania vs the state
21.6%Denial rate+3.27 pts vs state
25.4%Decision denial rate+3.21 pts vs state
63.2%Origination rate+2.28 pts vs state
7.75%Median rate+1.13 pts vs state
1.27Rate spread (pts)+1.04 pts vs state
$160kMedian applicant income
308Loans originated
105Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 3 | 66.7% | 8.63% | #724 |
| 2024 | 40 | 24 | 15.0% | 7.81% | #510 |
| 2025 | 487 | 308 | 21.6% | 7.75% | #158 |
What Champions Funding lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Champions Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 164 | 104 | 35 | 21.3% |
| Lackawanna County | 53 | 39 | 9 | 17.0% |
| Luzerne County | 44 | 28 | 6 | 13.6% |
| Delaware County | 30 | 23 | 6 | 20.0% |
| Monroe County | 29 | 18 | 5 | 17.2% |
| Montgomery County | 27 | 16 | 9 | 33.3% |
| Allegheny County | 25 | 16 | 8 | 32.0% |
| Bucks County | 25 | 13 | 4 | 16.0% |
| Berks County | 10 | 6 | 3 | 30.0% |
| Chester County | 9 | 4 | 3 | 33.3% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 487 applications in 2025, of which 308 were originated and 105 denied.
21.6% of all applications, or 25.4% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Champions Funding originated in Pennsylvania 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 Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology