Premier Home Mortgage, Inc.

What Premier Home Mortgage, Inc. does

Champions Mortgage (legal entity Champions Lending LLC, dba Champions Mortgage) is an independent retail mortgage broker founded in 2017 and headquartered at 2940 Riverby Rd, Suite 205, Houston, TX 77020. The company is licensed as a mortgage broker in Texas (Company NMLS #1706471), Florida, Georgia, and North Carolina, and operates under Joel Mathew as President/CEO. Its core function is brokering residential mortgage loans — purchase, refinance, and a broad set of specialty programs — by shopping borrower applications across a network of wholesale lenders rather than originating on its own balance sheet. Since inception the company reports having helped 1,000+ Houston-area families close on homes.

The product portfolio spans FHA, VA, Conventional, Non-QM (including bank statement and self-employed), DSCR for real estate investors, Construction-to-Permanent, Jumbo, Adjustable Rate, Fixed Rate, Down Payment Assistance, First-Time Home Buyer Grants, Graduate Student Mortgage, and Shariah-compliant Halal financing. Operational metrics claimed by the company include a 96% applicant close rate, 15-day average loan approval timeline, 100% customer satisfaction, and average closing costs of 1-3% versus an industry-average 3-6%. The technology stack centers on the third-party YourMortgage POS (yoursonar.com) for online application intake, complemented by mortgage calculators and rate-comparison tools on the company website.

The business model is transaction-fee based: Champions earns origination compensation from wholesale lenders for each funded loan it brings. Go-to-market is direct-to-consumer, primarily through digital channels (website, paid search, social media on Facebook/Instagram/LinkedIn, verified reviews) and licensed loan officers who guide borrowers through a four-step process. Customer segments include Texas home buyers (primary), real estate investors, self-employed borrowers, veterans and active military, and faith-based Muslim homebuyers. The company is privately held with no disclosed institutional investors, parent company, funding rounds, or revenue figures.

Note on data scope: the firmographics header in the input references "Premier Home Mortgage, Inc." as a South Dakota-based firm with 251-500 employees, which is inconsistent with the substantive data (a Houston-based broker, single office, ~1,000 cumulative families since 2017). The analysis above is grounded in the substantive Champions Mortgage data, which is the only consistent evidence available.

Name

Premier Home Mortgage, Inc.

Legal name

Champions Lending LLC

Website

https://premierhomemortgage.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

251–500 employees

Short description

Champions Mortgage is an independent residential mortgage broker founded in 2017 and headquartered in Houston, Texas, licensed across TX, FL, GA, and NC, brokering FHA, VA, conventional, non-QM, DSCR, and specialty loans to individual home buyers, self-employed borrowers, investors, and faith-based homebuyers.

Ownership category

akta.pro rank

Product category

Residential Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

akta.pro secondary industries

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA), Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

Keywords

• Residential mortgage lending
• Home purchase loans
• Mortgage refinancing
• Mortgage brokerage
• Wholesale mortgage rates

Headquarters

HQ city

Austin

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Mortgage Origination Fees: Revenue generated from originating mortgage loans through a network of wholesale lenders. As a mortgage broker, Champions Mortgage earns fees from lenders for bringing funded loans, typically through origination fees and yield spread premiums. The company markets its wholesale access as providing lower rates to customers while generating revenue from lender compensation.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Champions Mortgage operates as an independent mortgage broker accessing wholesale mortgage rates from a network of top-rated lenders across Texas, Florida, Georgia, and North Carolina. The company originates home purchase loans, refinances, and specialty mortgage products (FHA, VA, conventional, Non-QM, DSCR, construction, halal) for individual borrowers and investors, with licensed loan officers guiding customers through a 4-step process from pre-approval to closing.

Product overview

Champions Mortgage operates as a mortgage broker offering a comprehensive suite of home financing products across multiple states. The company provides purchase loans, refinance options, and specialized programs including conventional, FHA, VA, Non-QM, construction, DSCR investor loans, and Shariah-compliant halal financing. Their product portfolio includes fixed and adjustable rate mortgages, jumbo loans, down payment assistance programs, and bank statement loans for self-employed borrowers. As a broker, they shop loans across multiple wholesale lenders to find competitive rates for borrowers.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Purchase Loans Home purchase financing products including conventional, FHA, VA, and jumbo loans for buyers purchasing properties in Texas and other licensed states (FL, GA, NC).
• Refinance Loans Mortgage refinance products allowing homeowners to lower monthly payments, shorten loan terms, or access home equity for improvements or other expenses.
• Conventional Loans Flexible conforming mortgage products for buyers with strong credit and stable income, available in 15, 20, or 30-year terms with competitive rates accessed via wholesale lenders.
• FHA Home Loans Government-backed mortgages designed for first-time homebuyers and those with moderate credit scores, featuring down payments as low as 3.5%.
• VA Loans Zero down payment mortgage options for eligible veterans and active-duty military members with no private mortgage insurance required.
• Non-QM Loans Alternative mortgage products for borrowers who do not fit standard lending criteria, including bank statement programs for self-employed borrowers and other non-traditional income documentation.
• Bank Statement Loan Self-employed borrower mortgage program using bank statements instead of tax returns for income verification.
• Construction Loans Financing for building new homes from the ground up, covering land purchase through construction draws with transition to permanent financing.
• Self-Employed Loans Specialized mortgage products for self-employed borrowers who may have complex income documentation situations.
• Down Payment Assistance Programs Programs helping borrowers cover down payments and closing costs to minimize cash requirements at closing.
• First-Time Home Buyer Grants Grant programs and educational resources for first-time homebuyers to help with down payments and homebuying education.
• Graduate Student Mortgage Mortgage program designed for graduate students with potential for higher future income based on their education and career trajectory.
• DSCR Mortgage Debt Service Coverage Ratio loans for real estate investors qualifying based on property rental income rather than personal tax returns.
• Halal Loan Programs Shariah-compliant mortgage alternatives structured to comply with Islamic finance principles for Muslim homebuyers.
• Fixed Rate Mortgages Traditional mortgages with locked interest rates for the life of the loan (e.g., 30-year fixed at 5.500% APR, 15-year fixed at 4.795% APR), providing predictable monthly payments for long-term homeowners.
• Adjustable Rate Mortgages Mortgages with lower initial interest rates that adjust over time, suitable for buyers who plan to refinance or sell within 5-7 years.
• Jumbo Loans Mortgages for properties above conforming loan limits ($766,550+) in high-value markets like Houston, River Oaks, Sugar Land, and The Woodlands.

Quantifiable outcome

• Borrowers save $200-$400/month compared to going directly to a bank
• +4 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Wholesale Lender NetworkcoreChannel Partner/ Reseller/ DistributorChampions Mortgage operates as a mortgage broker accessing wholesale mortgage rates from a network of top-rated lenders. As an independent broker, the company shops loans across multiple wholesale lenders simultaneously, providing competing offers and negotiating on the borrower's behalf for the lowest available rate. The company is licensed in Texas (Company NMLS #1706471), Florida, Georgia, and North Carolina.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Guild Mortgage Company: Privately held, mid-large retail mortgage lender with multi-state branch footprint offering purchase, refinance, FHA, VA, and specialty products. Directly comparable in business model and product breadth.
• Fairway Independent Mortgage Corporation: Large U.S. retail mortgage lender/broker with a similar multi-channel model serving purchase and refinance borrowers across many states. Operates a branch-based distributed loan-officer network and offers conventional, FHA, VA, and niche programs analogous to Champions' product set.
• PrimeLending: National retail mortgage originator owned by PlainsCapital. Offers purchase, refinance, FHA, VA, and jumbo loans through a distributed loan-officer model — directly comparable to Champions' retail residential broker offering.
• Academy Mortgage Corporation: Privately held retail mortgage lender operating across dozens of U.S. states with branch-based loan officers. Sells conventional, FHA, VA, and niche products comparable to Champions' lineup.
• Cornerstone Home Lending: Privately held retail mortgage lender with strong Texas presence alongside multi-state operations. Offers similar product mix (conventional, FHA, VA, construction, jumbo) and competes for the same Texas home-buyer customer.

Broad incumbents

• Rocket Mortgage: Largest U.S. retail mortgage lender and a dominant direct-to-consumer brand. Competes for the same purchase and refinance customers as Champions but at vastly greater scale and with proprietary balance-sheet funding rather than wholesale brokerage.
• NewRez (Shellpoint Mortgage Servicing): Multi-channel mortgage lender and servicer offering retail, wholesale, and correspondent channels. Comparable on retail purchase/refi but operates at substantially greater scale and includes servicing.
• Caliber Home Loans: Large multi-channel mortgage originator (retail, wholesale, correspondent) serving similar customer segments with conventional, government, and non-QM products. Broader portfolio but overlapping customer base with Champions.
• loanDepot: Large multi-channel mortgage lender operating retail, wholesale, and consumer-direct channels. Overlaps with Champions on retail purchase and refinance but at materially greater scale with diversified channels.

Emerging players

• Better.com: Digital-first direct mortgage lender pursuing a fully online purchase and refinance experience. Competes for the same digitally acquired borrower as Champions, with comparable SEO and paid-search positioning but a self-funded rather than brokered model.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/premier-home-mortgage-262564323777
• LinkedInlinkedin.com/company/1917259
• Instagraminstagram.com/championsmortgageteam

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Premier Home Mortgage, Inc.