Top Flite Financial in Kentucky vs the state
9.0%Denial rate-9.77 pts vs state
15.7%Decision denial rate-7.80 pts vs state
48.0%Origination rate-10.02 pts vs state
6.88%Median rate+0.13 pts vs state
1.58Rate spread (pts)+1.27 pts vs state
$68kMedian applicant income
85Loans originated
16Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 203 | 104 | 13.3% | 7.00% | #122 |
| 2024 | 183 | 107 | 14.8% | 6.99% | #137 |
| 2025 | 177 | 85 | 9.0% | 6.88% | #160 |
What Top Flite Financial lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Top Flite Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 18 | 4 | 2 | 11.1% |
| Kenton County | 11 | 5 | 1 | 9.1% |
| Hopkins County | 9 | 4 | 0 | 0.0% |
| Fayette County | 9 | 5 | 0 | 0.0% |
| Laurel County | 8 | 4 | 2 | 25.0% |
| Whitley County | 7 | 4 | 0 | 0.0% |
| Knox County | 6 | 3 | 3 | 50.0% |
| Boone County | 5 | 2 | 0 | 0.0% |
| Greenup County | 5 | 3 | 0 | 0.0% |
| Marshall County | 4 | 3 | 0 | 0.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 177 applications in 2025, of which 85 were originated and 16 denied.
9.0% of all applications, or 15.7% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Top Flite Financial originated in Kentucky in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Top Flite Financial's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology