Top Flite Financial in Tennessee vs the state
5.9%Denial rate-11.24 pts vs state
9.3%Decision denial rate-12.43 pts vs state
57.2%Origination rate-0.88 pts vs state
6.63%Median rate0.00 pts vs state
0.84Rate spread (pts)+0.61 pts vs state
$77kMedian applicant income
155Loans originated
16Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 233 | 102 | 12.0% | 6.75% | #168 |
| 2024 | 181 | 93 | 16.6% | 6.75% | #219 |
| 2025 | 271 | 155 | 5.9% | 6.63% | #176 |
What Top Flite Financial lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Top Flite Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 23 | 13 | 0 | 0.0% |
| Sullivan County | 19 | 12 | 1 | 5.3% |
| Knox County | 18 | 11 | 3 | 16.7% |
| Shelby County | 17 | 5 | 0 | 0.0% |
| Davidson County | 13 | 6 | 2 | 15.4% |
| Montgomery County | 12 | 4 | 2 | 16.7% |
| Sumner County | 11 | 9 | 0 | 0.0% |
| Bradley County | 11 | 5 | 1 | 9.1% |
| Rutherford County | 9 | 6 | 0 | 0.0% |
| Maury County | 6 | 4 | 0 | 0.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 271 applications in 2025, of which 155 were originated and 16 denied.
5.9% of all applications, or 9.3% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Top Flite Financial originated in Tennessee in 2025 was 6.63%, against a statewide median of 6.62%.
About this data. Figures are Top Flite Financial's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology