Top Flite Financial in Minnesota vs the state
13.2%Denial rate-0.36 pts vs state
22.5%Decision denial rate+6.15 pts vs state
45.6%Origination rate-20.78 pts vs state
6.88%Median rate+0.25 pts vs state
1.58Rate spread (pts)+1.33 pts vs state
$77kMedian applicant income
31Loans originated
9Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 63 | 27 | 11.1% | 7.00% | #240 |
| 2024 | 70 | 35 | 17.1% | 6.99% | #233 |
| 2025 | 68 | 31 | 13.2% | 6.88% | #251 |
What Top Flite Financial lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Top Flite Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 10 | 1 | 2 | 20.0% |
| Ramsey County | 5 | 1 | 1 | 20.0% |
| St. Louis County | 4 | 2 | 1 | 25.0% |
| Dakota County | 4 | 2 | 1 | 25.0% |
| Anoka County | 4 | 3 | 0 | 0.0% |
| Becker County | 3 | 2 | 1 | 33.3% |
| Wright County | 3 | 3 | 0 | 0.0% |
| Scott County | 3 | 0 | 1 | 33.3% |
| Blue Earth County | 2 | 1 | 0 | 0.0% |
| Goodhue County | 2 | 1 | 0 | 0.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 68 applications in 2025, of which 31 were originated and 9 denied.
13.2% of all applications, or 22.5% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Top Flite Financial originated in Minnesota 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 Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology