Top Flite Financial in North Carolina vs the state
9.6%Denial rate-8.51 pts vs state
15.5%Decision denial rate-7.36 pts vs state
50.5%Origination rate-7.36 pts vs state
6.88%Median rate+0.38 pts vs state
1.63Rate spread (pts)+1.54 pts vs state
$71kMedian applicant income
169Loans originated
32Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 401 | 206 | 9.0% | 6.75% | #134 |
| 2024 | 326 | 172 | 16.9% | 6.88% | #168 |
| 2025 | 335 | 169 | 9.6% | 6.88% | #179 |
What Top Flite Financial lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Top Flite Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 35 | 18 | 4 | 11.4% |
| Wake County | 24 | 12 | 2 | 8.3% |
| Gaston County | 14 | 9 | 2 | 14.3% |
| Guilford County | 12 | 5 | 1 | 8.3% |
| Cabarrus County | 11 | 6 | 0 | 0.0% |
| Cleveland County | 11 | 5 | 2 | 18.2% |
| Forsyth County | 10 | 5 | 0 | 0.0% |
| Davie County | 9 | 6 | 1 | 11.1% |
| Catawba County | 8 | 2 | 1 | 12.5% |
| Davidson County | 8 | 5 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 335 applications in 2025, of which 169 were originated and 32 denied.
9.6% of all applications, or 15.5% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Top Flite Financial originated in North Carolina in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are Top Flite Financial's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology