Top Flite Financial in Georgia vs the state
7.0%Denial rate-12.19 pts vs state
10.4%Decision denial rate-14.70 pts vs state
60.2%Origination rate+6.09 pts vs state
6.62%Median rate0.00 pts vs state
0.66Rate spread (pts)+0.39 pts vs state
$80kMedian applicant income
334Loans originated
39Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 398 | 177 | 13.1% | 6.75% | #148 |
| 2024 | 286 | 143 | 16.8% | 6.99% | #198 |
| 2025 | 555 | 334 | 7.0% | 6.62% | #142 |
What Top Flite Financial lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Top Flite Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 43 | 25 | 4 | 9.3% |
| DeKalb County | 39 | 15 | 6 | 15.4% |
| Spalding County | 35 | 26 | 1 | 2.9% |
| Pike County | 34 | 30 | 0 | 0.0% |
| Upson County | 31 | 24 | 0 | 0.0% |
| Henry County | 28 | 19 | 1 | 3.6% |
| Gwinnett County | 26 | 12 | 2 | 7.7% |
| Cobb County | 21 | 11 | 1 | 4.8% |
| Clayton County | 18 | 14 | 0 | 0.0% |
| Lamar County | 15 | 13 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 555 applications in 2025, of which 334 were originated and 39 denied.
7.0% of all applications, or 10.4% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Top Flite Financial originated in Georgia in 2025 was 6.62%, against a statewide median of 6.63%.
About this data. Figures are Top Flite Financial's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology