Top Flite Financial in Michigan vs the state
7.7%Denial rate-10.87 pts vs state
10.8%Decision denial rate-11.78 pts vs state
62.5%Origination rate+2.58 pts vs state
6.75%Median rate0.00 pts vs state
0.84Rate spread (pts)+0.44 pts vs state
$70kMedian applicant income
253Loans originated
31Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 405 | 219 | 9.9% | 6.88% | #126 |
| 2024 | 353 | 218 | 15.0% | 6.75% | #144 |
| 2025 | 405 | 253 | 7.7% | 6.75% | #143 |
What Top Flite Financial lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Top Flite Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kent County | 65 | 50 | 3 | 4.6% |
| Wayne County | 39 | 14 | 7 | 17.9% |
| Macomb County | 36 | 22 | 3 | 8.3% |
| Bay County | 29 | 24 | 1 | 3.4% |
| Oakland County | 20 | 11 | 0 | 0.0% |
| Barry County | 16 | 12 | 1 | 6.3% |
| Allegan County | 15 | 13 | 1 | 6.7% |
| Muskegon County | 15 | 7 | 0 | 0.0% |
| Ottawa County | 14 | 9 | 0 | 0.0% |
| Calhoun County | 9 | 3 | 1 | 11.1% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 405 applications in 2025, of which 253 were originated and 31 denied.
7.7% of all applications, or 10.8% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Top Flite Financial originated in Michigan in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Top Flite Financial's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology