Champions Funding in Texas vs the state
22.8%Denial rate+3.33 pts vs state
28.9%Decision denial rate+3.99 pts vs state
55.9%Origination rate+1.01 pts vs state
7.50%Median rate+1.00 pts vs state
2.11Rate spread (pts)+1.91 pts vs state
$192kMedian applicant income
1,262Loans originated
514Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 207 | 108 | 46.4% | 9.44% | #394 |
| 2024 | 482 | 279 | 20.1% | 8.63% | #257 |
| 2025 | 2,258 | 1,262 | 22.8% | 7.50% | #87 |
What Champions Funding lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Champions Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 533 | 304 | 120 | 22.5% |
| Dallas County | 211 | 102 | 57 | 27.0% |
| Bexar County | 161 | 84 | 46 | 28.6% |
| Fort Bend County | 129 | 70 | 31 | 24.0% |
| Tarrant County | 127 | 74 | 22 | 17.3% |
| Travis County | 104 | 52 | 28 | 26.9% |
| Collin County | 97 | 50 | 28 | 28.9% |
| Montgomery County | 92 | 60 | 13 | 14.1% |
| Hidalgo County | 85 | 45 | 18 | 21.2% |
| Denton County | 76 | 53 | 15 | 19.7% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 2,258 applications in 2025, of which 1,262 were originated and 514 denied.
22.8% of all applications, or 28.9% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Champions Funding originated in Texas in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are Champions Funding's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology