Top Flite Financial in Alabama vs the state
3.9%Denial rate-15.97 pts vs state
8.3%Decision denial rate-16.67 pts vs state
41.9%Origination rate-13.53 pts vs state
6.88%Median rate+0.38 pts vs state
1.72Rate spread (pts)+1.43 pts vs state
$62kMedian applicant income
54Loans originated
5Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 113 | 42 | 8.9% | 7.00% | #182 |
| 2024 | 119 | 57 | 11.8% | 7.13% | #194 |
| 2025 | 129 | 54 | 3.9% | 6.88% | #198 |
What Top Flite Financial lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Top Flite Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 11 | 4 | 1 | 9.1% |
| Mobile County | 10 | 3 | 0 | 0.0% |
| Madison County | 7 | 2 | 0 | 0.0% |
| Cullman County | 7 | 3 | 0 | 0.0% |
| Lee County | 7 | 6 | 0 | 0.0% |
| Baldwin County | 7 | 2 | 1 | 14.3% |
| Tuscaloosa County | 6 | 1 | 0 | 0.0% |
| Marshall County | 5 | 3 | 0 | 0.0% |
| Russell County | 5 | 3 | 0 | 0.0% |
| Shelby County | 5 | 3 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 129 applications in 2025, of which 54 were originated and 5 denied.
3.9% of all applications, or 8.3% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Top Flite Financial originated in Alabama in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are Top Flite Financial's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology