Top Flite Financial in Florida vs the state
5.7%Denial rate-15.39 pts vs state
8.5%Decision denial rate-18.76 pts vs state
60.4%Origination rate+7.73 pts vs state
6.63%Median rate0.00 pts vs state
0.56Rate spread (pts)+0.29 pts vs state
$94kMedian applicant income
458Loans originated
43Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 556 | 222 | 10.3% | 6.75% | #217 |
| 2024 | 692 | 361 | 12.0% | 6.75% | #195 |
| 2025 | 758 | 458 | 5.7% | 6.63% | #188 |
What Top Flite Financial lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Top Flite Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pinellas County | 129 | 89 | 8 | 6.2% |
| Broward County | 72 | 46 | 2 | 2.8% |
| Pasco County | 62 | 40 | 3 | 4.8% |
| Hillsborough County | 58 | 35 | 2 | 3.4% |
| Marion County | 49 | 38 | 1 | 2.0% |
| Lee County | 38 | 23 | 3 | 7.9% |
| Palm Beach County | 31 | 19 | 3 | 9.7% |
| Miami-Dade County | 30 | 16 | 4 | 13.3% |
| Polk County | 26 | 16 | 1 | 3.8% |
| Orange County | 26 | 10 | 5 | 19.2% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 758 applications in 2025, of which 458 were originated and 43 denied.
5.7% of all applications, or 8.5% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Top Flite Financial originated in Florida in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Top Flite Financial's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology