Lenders › Top Flite Financial, Inc. › Massachusetts
Top Flite Financial, Inc. in Massachusetts
HMDA record for properties in Massachusetts, calendar year 2024. National record · Massachusetts overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Top Flite Financial, Inc.'s 2024 HMDA record for Massachusetts covers 102 applications, 43 of them originated, worth $15m.
Its denial rate in the state was 34.8%, above the Massachusetts rate of 22.3% across all lenders and compared with the lender's national rate of 24.3%.
The median rate spread on its Massachusetts originations was 1.4 percentage points (state median 0.2).
Applications in the state were down 7% on 2023.
Compared with the state and the lender's national record
| Measure | In Massachusetts | Massachusetts, all lenders | Top Flite Financial, Inc., all states | United States |
|---|---|---|---|---|
| Denial rate | 34.8% | 22.3% | 24.3% | 24.3% |
| Median rate spread, pp | 1.4 | 0.2 | 1.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 44.2% | 11.9% | 42.5% | 15.6% |
| Average originated loan | $338k | $432k | $228k | $329k |
| Home purchase share | 14.0% | 50.7% | 33.7% | 57.0% |
| FHA-insured share | 81.4% | 7.5% | 70.0% | 13.4% |
| VA-guaranteed share | 7.0% | 2.5% | 5.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMassachusetts, all lenders
Loan purpose and loan type in Massachusetts
By purpose
Home purchase 14% (6)Cash-out refinancing 86% (37)
By type
Conventional 12% (5)FHA 81% (35)VA 7% (3)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Massachusetts
No county in the state reaches 25 applications.
Questions and answers
How many mortgages did Top Flite Financial, Inc. originate in Massachusetts in 2024?
43 loans totalling $15m, from 102 applications reported for properties in Massachusetts.
What is Top Flite Financial, Inc.'s denial rate in Massachusetts?
34.8% of decided applications in Massachusetts were denied, against 22.3% for all lenders in the state and 24.3% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Massachusetts counties does Top Flite Financial, Inc. lend in most?
No county in the state reaches 25 applications.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Massachusetts. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.