Top Flite Financial in Virginia vs the state
8.9%Denial rate-7.01 pts vs state
15.4%Decision denial rate-4.87 pts vs state
48.2%Origination rate-11.31 pts vs state
6.88%Median rate+0.25 pts vs state
1.72Rate spread (pts)+1.50 pts vs state
$76kMedian applicant income
54Loans originated
10Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 96 | 46 | 13.5% | 7.25% | #267 |
| 2024 | 85 | 41 | 18.8% | 6.88% | #300 |
| 2025 | 112 | 54 | 8.9% | 6.88% | #277 |
What Top Flite Financial lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Top Flite Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Virginia Beach city | 9 | 5 | 1 | 11.1% |
| Fairfax County | 4 | 1 | 2 | 50.0% |
| Portsmouth city | 4 | 0 | 0 | 0.0% |
| Chesapeake city | 3 | 2 | 1 | 33.3% |
| Spotsylvania County | 3 | 3 | 0 | 0.0% |
| Halifax County | 3 | 1 | 0 | 0.0% |
| Orange County | 3 | 2 | 0 | 0.0% |
| Smyth County | 3 | 1 | 0 | 0.0% |
| Chesterfield County | 3 | 1 | 0 | 0.0% |
| Roanoke city | 3 | 1 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 112 applications in 2025, of which 54 were originated and 10 denied.
8.9% of all applications, or 15.4% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Top Flite Financial originated in Virginia 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 Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology