Top Flite Financial in Pennsylvania vs the state
8.6%Denial rate-9.73 pts vs state
14.9%Decision denial rate-7.35 pts vs state
49.0%Origination rate-11.93 pts vs state
6.75%Median rate+0.13 pts vs state
1.58Rate spread (pts)+1.34 pts vs state
$66kMedian applicant income
126Loans originated
22Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 323 | 142 | 12.4% | 6.88% | #194 |
| 2024 | 238 | 111 | 21.4% | 6.88% | #245 |
| 2025 | 257 | 126 | 8.6% | 6.75% | #242 |
What Top Flite Financial lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Top Flite Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 29 | 14 | 0 | 0.0% |
| Philadelphia County | 28 | 7 | 6 | 21.4% |
| Luzerne County | 17 | 7 | 1 | 5.9% |
| Montgomery County | 16 | 6 | 2 | 12.5% |
| Delaware County | 14 | 8 | 1 | 7.1% |
| Lehigh County | 9 | 5 | 2 | 22.2% |
| Schuylkill County | 8 | 6 | 0 | 0.0% |
| Lancaster County | 8 | 6 | 1 | 12.5% |
| Lackawanna County | 8 | 1 | 0 | 0.0% |
| Monroe County | 8 | 5 | 1 | 12.5% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 257 applications in 2025, of which 126 were originated and 22 denied.
8.6% of all applications, or 14.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Top Flite Financial originated in Pennsylvania in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Top Flite Financial's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology