CHAMPIONS FUNDING, LLC
11,067 mortgages originated in 2025 across 28 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 11,067
- Median rate
- 7.625%
- Median lender fees
- $15,373
- Median loan amount
- $305,000
- Median spread over APOR
- 2.154
- Paid discount points
- 24.5%
- Received lender credits
- 9.8%
- Purchases / refinances
- 48.6% / 51.4%
- Conventional / FHA / VA
- 100% / 0% / 0%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 32.3% of loans here — see methodology.
Where CHAMPIONS FUNDING, LLC lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Florida | 2,262 | $15,656 | 7.625% |
| California | 1,367 | $18,583 | 7.750% |
| Texas | 1,262 | $13,944 | 7.500% |
| New York | 950 | — | 7.500% |
| New Jersey | 917 | $17,870 | 7.500% |
| Georgia | 409 | $15,135 | 7.750% |
| Arizona | 367 | $13,917 | 7.750% |
| Pennsylvania | 308 | — | 7.750% |
| Connecticut | 294 | $15,185 | 7.750% |
| North Carolina | 293 | $16,097 | 7.500% |
| Tennessee | 267 | $13,652 | 7.625% |
| Illinois | 225 | $13,658 | 7.750% |
| Colorado | 196 | $17,517 | 7.750% |
| South Carolina | 182 | $12,664 | 7.875% |
| Ohio | 147 | — | 7.999% |
| Michigan | 145 | $11,047 | 8.250% |
| Virginia | 140 | $13,844 | 7.750% |
| Washington | 136 | — | 7.375% |
| Maryland | 105 | — | 7.750% |
| Nevada | 105 | — | 7.375% |
| Indiana | 95 | — | 7.625% |
| Oregon | 90 | $15,751 | 8.125% |
| Alabama | 68 | — | 7.500% |
| Missouri | 63 | — | 7.625% |
| Hawaii | 60 | — | 7.688% |
| Utah | 59 | — | 7.875% |
| Massachusetts | 58 | — | 7.375% |
| Wisconsin | 56 | — | 7.500% |