Top Flite Financial in Massachusetts vs the state
9.8%Denial rate-6.41 pts vs state
14.1%Decision denial rate-5.87 pts vs state
58.8%Origination rate-3.78 pts vs state
6.88%Median rate+0.25 pts vs state
1.47Rate spread (pts)+1.37 pts vs state
$114kMedian applicant income
60Loans originated
10Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 110 | 52 | 11.8% | 6.88% | #216 |
| 2024 | 102 | 43 | 22.6% | 6.75% | #229 |
| 2025 | 102 | 60 | 9.8% | 6.88% | #248 |
What Top Flite Financial lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Top Flite Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 20 | 12 | 2 | 10.0% |
| Bristol County | 14 | 9 | 2 | 14.3% |
| Middlesex County | 14 | 8 | 2 | 14.3% |
| Hampden County | 13 | 8 | 1 | 7.7% |
| Plymouth County | 12 | 8 | 1 | 8.3% |
| Suffolk County | 11 | 4 | 0 | 0.0% |
| Essex County | 8 | 5 | 1 | 12.5% |
| Barnstable County | 4 | 2 | 0 | 0.0% |
| Norfolk County | 3 | 1 | 1 | 33.3% |
| Berkshire County | 2 | 2 | 0 | 0.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 102 applications in 2025, of which 60 were originated and 10 denied.
9.8% of all applications, or 14.1% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Top Flite Financial originated in Massachusetts 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 Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology