Top Flite Financial in California vs the state
5.3%Denial rate-12.09 pts vs state
10.8%Decision denial rate-11.56 pts vs state
43.2%Origination rate-13.00 pts vs state
6.88%Median rate+0.25 pts vs state
1.14Rate spread (pts)+0.87 pts vs state
$114kMedian applicant income
73Loans originated
9Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 243 | 101 | 11.5% | 6.75% | #318 |
| 2024 | 200 | 84 | 20.5% | 6.75% | #353 |
| 2025 | 169 | 73 | 5.3% | 6.88% | #383 |
What Top Flite Financial lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Top Flite Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 27 | 9 | 0 | 0.0% |
| San Bernardino County | 16 | 7 | 2 | 12.5% |
| Riverside County | 14 | 8 | 0 | 0.0% |
| San Diego County | 11 | 4 | 1 | 9.1% |
| Sacramento County | 11 | 4 | 1 | 9.1% |
| Kern County | 9 | 6 | 2 | 22.2% |
| Fresno County | 9 | 4 | 0 | 0.0% |
| Orange County | 8 | 3 | 0 | 0.0% |
| Tulare County | 7 | 5 | 0 | 0.0% |
| Contra Costa County | 6 | 2 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 169 applications in 2025, of which 73 were originated and 9 denied.
5.3% of all applications, or 10.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Top Flite Financial originated in California in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Top Flite Financial's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology