Top Flite Financial in Missouri vs the state
7.7%Denial rate-7.38 pts vs state
13.0%Decision denial rate-5.74 pts vs state
51.7%Origination rate-11.01 pts vs state
6.88%Median rate+0.25 pts vs state
1.73Rate spread (pts)+1.38 pts vs state
$66kMedian applicant income
94Loans originated
14Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 207 | 112 | 7.7% | 7.00% | #148 |
| 2024 | 192 | 98 | 20.3% | 6.88% | #170 |
| 2025 | 182 | 94 | 7.7% | 6.88% | #195 |
What Top Flite Financial lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Top Flite Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 17 | 8 | 2 | 11.8% |
| Jackson County | 16 | 7 | 1 | 6.3% |
| Jefferson County | 12 | 7 | 0 | 0.0% |
| Clay County | 10 | 6 | 2 | 20.0% |
| St. Charles County | 10 | 8 | 0 | 0.0% |
| Greene County | 7 | 2 | 0 | 0.0% |
| Boone County | 6 | 3 | 0 | 0.0% |
| Laclede County | 5 | 2 | 0 | 0.0% |
| St. Louis city | 5 | 3 | 0 | 0.0% |
| St. Francois County | 5 | 4 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 182 applications in 2025, of which 94 were originated and 14 denied.
7.7% of all applications, or 13.0% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Top Flite Financial originated in Missouri 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 Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology