Champions Mortgage Rates, Fees & Info
St Petersburg, FLLEI: 549300R1405JUM8QXD66
Tax ID: 37-1752168
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Mortgage Data
Review & Overview
Champions Mortgage is a smaller mortgage company specializing in Home Purchase and Refi loans. Champions Mortgage has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Dallas, Tampa, Palm Bay, Nashville, and Miami among others. We have data for 50 markets. (Some data included below & more in-depth data is available with an active subscription.)Champions Mortgage has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Champions Mortgage is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.22% | 11/22/24 |
| 30 Year Conventional Refi | 6.97% | 11/22/24 |
| 30 Year Cash-out Refi | 7.45% | 11/22/24 |
| 30 Year FHA Purchase | 7.64% | 11/22/24 |
| 30 Year VA Purchase | 6.23% | 11/22/24 |
| 15 Year Conventional Refi | 6.01% | 11/22/24 |
| 15 Year Cash-out Refi | 6.01% | 11/22/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Champions Mortgage Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
441Origination Dollar Volume (All Markets)
$144,905,000Awards
CHAMPIONS MORTGAGE - 2021
CHAMPIONS MORTGAGE is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 150 | $50,850,000 | $339,000 | $5,989 | 2.95% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 63 | $17,535,000 | $278,333 | $5,941 | 3.02% |
| Outside of Metro Areas | 38 | $16,640,000 | $437,895 | $5,373 | 3.06% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 47 | $13,275,000 | $282,447 | $5,003 | 2.79% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 25 | $10,275,000 | $411,000 | $5,800 | 2.95% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 22 | $7,500,000 | $340,909 | $5,857 | 2.90% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 4 | $2,210,000 | $552,500 | $9,487 | 2.97% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 6 | $1,970,000 | $328,333 | $4,547 | 2.60% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 6 | $1,830,000 | $305,000 | $6,610 | 3.39% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 7 | $1,495,000 | $213,571 | $6,245 | 3.18% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 3 | $1,325,000 | $441,667 | $6,618 | 2.67% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $1,095,000 | $1,095,000 | $21,105 | 3.00% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $4,291 | 3.12% |
| WACO, TX (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $7,185 | 3.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $5,277 | 2.92% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $5,017 | 2.97% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $7,261 | 3.13% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $3,906 | 2.50% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $5,434 | 3.17% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $3,094 | 2.25% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $6,143 | 2.96% |
| Durango, CO (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $4,180 | 3.18% |
| OCALA, FL (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $5,738 | 3.06% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $8,464 | 4.81% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,851 | 2.75% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $4,498 | 3.43% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $4,562 | 2.96% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $3,822 | 2.75% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $4,799 | 3.12% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $6,185 | 2.38% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,969 | 2.81% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $6,549 | 2.81% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,988 | 2.56% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $10,982 | 2.88% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $6,497 | 3.13% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $5,591 | 2.50% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,059 | 3.63% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $6,195 | 3.50% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $5,098 | 2.81% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,018 | 2.50% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,302 | 3.13% |
| TYLER, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,675 | 2.88% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,311 | 3.00% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,489 | 3.38% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,230 | 2.63% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,411 | 2.75% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,952 | 4.50% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,504 | 2.99% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,952 | 3.00% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,491 | 2.88% |
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Product Mix
For 2021, Champions Mortgage's most frequently originated type of loan was Conventional, with 380 originations. Their 2nd most popular type was VA, with 33 originations.
Loan Reason
For 2021, Champions Mortgage's most frequently cited loan purpose was Home Purchase, with 251 originations. The 2nd most popular reason was Refi, with 113 originations.
Loan Duration/Length
For 2021, Champions Mortgage's most frequently cited loan duration was 30 Year, with 398 originations. The 2nd most popular length was 15 Year, with 33 originations.
Origination Fees/Closing Costs
Champions Mortgage's average total fees were $5,857, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 276 originations.
Interest Rates
During 2021, Champions Mortgage's average interest rate for loans was 3.01%, while their most frequently originated rate bucket for loans was 2.5-3%, with 235 originations.
Loan Sizing
2021 saw Champions Mortgage place emphasis on $200k-400k loans with 233 originations, totaling $68,365,000 in origination value.
Applicant Income
Champions Mortgage lent most frequently to those with incomes in the $100k-150k range, with 96 originations. The second most popular income band? $150k-250k, with 93 originations.
Applicant Debt to Income Ratio
Champions Mortgage lent most frequently to those with DTI ratios of 20-30%, with 95 originations. The next most common DTI ratio? 30-36%, with 68 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.23%
Champions Mortgage has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination88.21%
Champions Mortgage has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 441 | $144,905,000 | $328,583 |