Top Flite Financial in Oregon vs the state
11.5%Denial rate-3.77 pts vs state
18.2%Decision denial rate-0.98 pts vs state
51.9%Origination rate-8.70 pts vs state
6.63%Median rate-0.13 pts vs state
0.71Rate spread (pts)+0.43 pts vs state
$119kMedian applicant income
27Loans originated
6Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 21 | 8 | 9.5% | 7.19% | #279 |
| 2024 | 37 | 19 | 10.8% | 6.75% | #237 |
| 2025 | 52 | 27 | 11.5% | 6.63% | #218 |
What Top Flite Financial lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Top Flite Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 14 | 9 | 1 | 7.1% |
| Multnomah County | 11 | 7 | 2 | 18.2% |
| Clackamas County | 8 | 4 | 0 | 0.0% |
| Linn County | 3 | 2 | 0 | 0.0% |
| Deschutes County | 3 | 1 | 2 | 66.7% |
| Lane County | 3 | 2 | 0 | 0.0% |
| Klamath County | 2 | 0 | 0 | 0.0% |
| Tillamook County | 2 | 0 | 0 | 0.0% |
| Lincoln County | 1 | 0 | 0 | 0.0% |
| Marion County | 1 | 0 | 0 | 0.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 52 applications in 2025, of which 27 were originated and 6 denied.
11.5% of all applications, or 18.2% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Top Flite Financial originated in Oregon in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Top Flite Financial's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology