At a glance
From its website, read 2 Nov 2026Champions Funding, LLC is a loan fund based in Gilbert, Arizona. Its website describes home mortgages. Stated loan amounts run up to $3M. Where it lends: Across the country (nationwide), for homeowners in underserved communities. It says it considers borrowers with low or no credit history. It accepts an ITIN.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Toll-free | (888) 210-9881 source |
|---|---|
| Toll-free | (800) 365-7107 source |
| clientcare@champstpo.com source | |
| Website | www.champstpo.com |
| Office (official list) | 365 E Germann Rd Suite 140, Gilbert, AZ 85297 |
What their website says about applying
Interested homebuyers should reach out to a Mortgage Broker or Loan Originator for more information about loan products.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- Low or damaged credit considered
FICOs as low as 620 accepted
source - ITIN accepted
Individual Taxpayer Identification Number (ITIN) accepted in place of SSN for borrower identification.
source - First-time homebuyer program
First-time homebuyers welcome
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 8 Nov 2017 |
| RSSD ID | — (none listed) |
| Address | 365 E Germann Rd Suite 140, Gilbert, AZ 85297 Directions (Google Maps) |
| Website | www.champstpo.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Products are offered only through licensed mortgage brokers and loan officers, so borrowers cannot apply directly. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Home mortgages | — | Financing for personal purposes. Owner-occupied and second homes. | source |
Loan sizes
Range used for the size filter: not stated to $3M
Service area
Across the country (nationwide), for homeowners in underserved communities
across the country
source
Borrower focus
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Is there a minimum loan amount?
Their website gives a maximum ($3M) but no minimum. - What is the APR, including fees, on your home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - How long can I take to repay?
No repayment terms are stated on their website. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$1.5 million in 4 awards from the U.S. Treasury's CDFI Fund, 2018–2021 (CDFI Program, Financial Assistance; CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $1,000,000 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
| 2019 | CDFI Program, Financial Assistance | $200,000 |
| 2018 | CDFI Program, Financial Assistance | $200,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Champions Funding, LLC reported 11,067 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $4.7 billion (median loan about $305,000). 5,374 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 5,374 | 49% |
| Refinance (incl. 4,382 cash-out) | 5,693 | 51% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 11,067 | 100% |
Included above: 29 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 933 counties with at least one; 3.3% of its 2025 loans were for properties in Arizona:
- Miami-Dade County, FL (376)
- Los Angeles County, CA (306)
- Harris County, TX (304)
- Maricopa County, AZ (263)
- Broward County, FL (221)
- Palm Beach County, FL (169)
- Cook County, IL (153)
- San Diego County, CA (144)
Filed under LEI 984500U2F9A83N391A91 as “CHAMPIONS FUNDING, LLC”; matched by name, state and city (checked by hand; see the method on our About page).
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $3M | Other loan funds whose website states a maximum: median $250,000. Higher than the stated maximum of 84% of these 184. |
| Home loans originated in 2025 (HMDA) | 11,067 | More than 100% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 84% |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 100% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Gilbert and Arizona
- Avenir Financial Federal Credit UnionCredit union · Yuma, AZAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- First American Credit UnionCredit union · Casa Grande, AZAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Personal / consumer loansVerified
- Growth Partners ArizonaLoan fund · Tucson, AZNonprofit / community facility loans, Small-business loansVerified
- Hopi Credit AssociationLoan fund · Keams Canyon, AZ · Native CDFIHome repair / improvement loans, Microloans, Personal / consumer loans, Small-business loansVerified
- MariSol Federal Credit UnionCredit union · Phoenix, AZAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- MicroCare Community Development SolutionsLoan fund · Tucson, AZMicroloans, Personal / consumer loansVerified
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