Top Flite Financial in Maryland vs the state
9.7%Denial rate-9.08 pts vs state
22.6%Decision denial rate-1.55 pts vs state
33.3%Origination rate-22.38 pts vs state
6.75%Median rate+0.13 pts vs state
1.37Rate spread (pts)+1.12 pts vs state
$83kMedian applicant income
24Loans originated
7Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 75 | 28 | 8.0% | 7.06% | #240 |
| 2024 | 82 | 32 | 20.7% | 7.00% | #238 |
| 2025 | 72 | 24 | 9.7% | 6.75% | #273 |
What Top Flite Financial lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Top Flite Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 13 | 3 | 1 | 7.7% |
| Baltimore County | 12 | 3 | 1 | 8.3% |
| Baltimore city | 9 | 2 | 1 | 11.1% |
| Montgomery County | 5 | 1 | 1 | 20.0% |
| Howard County | 5 | 0 | 1 | 20.0% |
| Charles County | 3 | 2 | 0 | 0.0% |
| Wicomico County | 3 | 2 | 0 | 0.0% |
| Kent County | 2 | 1 | 1 | 50.0% |
| Garrett County | 2 | 1 | 0 | 0.0% |
| Dorchester County | 2 | 0 | 0 | 0.0% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 72 applications in 2025, of which 24 were originated and 7 denied.
9.7% of all applications, or 22.6% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Top Flite Financial originated in Maryland in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Top Flite Financial's own HMDA filing for properties located in Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology