Top Flite Financial Mortgage Rates, Fees & Info

WILLIAMSTON, MI

LEI: 54930030Z1JWTP3SVD16

Tax ID: 13-4225190

1 stars - out of 5 stars, based on 53 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Top Flite Financial is a smaller mortgage company specializing in Cash Out Refi and Home Purchase loans. They have a a high proportion of FHA loans. Top Flite Financial has an average proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Atlanta, Phoenix, Seattle, Charlotte, and Las Vegas among others. We have data for 341 markets. (Some data included below & more in-depth data is available with an active subscription.)

Top Flite Financial has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Top Flite Financial is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 7.12% 5/28/23
30 Year Conventional Refi 7.00% 5/28/23
30 Year Cash-out Refi 6.97% 5/28/23
30 Year FHA Purchase 7.70% 5/28/23
30 Year FHA Refi 7.70% 5/28/23
30 Year VA Purchase 6.85% 5/28/23
30 Year VA Refi 6.27% 5/28/23
30 Year USDA Purchase 7.25% 5/28/23
15 Year Conventional Purchase 6.77% 5/28/23
15 Year Conventional Refi 6.61% 5/28/23
15 Year Cash-out Refi 6.61% 5/28/23
15 Year FHA Purchase 7.00% 5/28/23
15 Year FHA Refi 5.68% 5/28/23
15 Year VA Purchase 5.68% 5/28/23
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Top Flite Financial Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Top Flite Financial. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

2,761

Origination Dollar Volume (All Markets)

$622,345,000

Awards

TOP FLITE FINANCIAL 30 Year Conventional Loans silver
Show all (1) awards

Relative Rate

Top Flite Financial's average 30 year fixed mortgage rate was 5.28%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.52%.

Relative Fees (Closing Costs)

Top Flite Financial's average total fees/closing costs for a 30 year fixed rate mortgage were $13,855.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 142 $34,970,000 $246,268 $17,027 5.43%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 110 $34,740,000 $315,818 $14,969 5.30%
Outside of Metro Areas 150 $26,120,000 $174,133 $10,090 5.49%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 49 $20,705,000 $422,551 $20,626 5.06%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 85 $20,245,000 $238,176 $14,873 5.48%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 54 $15,740,000 $291,481 $18,884 5.46%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 64 $15,390,000 $240,469 $17,444 5.16%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 55 $12,925,000 $235,000 $10,768 5.15%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 58 $12,470,000 $215,000 $15,322 5.26%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 53 $12,115,000 $228,585 $15,939 5.15%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 32 $10,840,000 $338,750 $19,283 4.98%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 43 $10,225,000 $237,791 $16,897 5.18%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 35 $9,655,000 $275,857 $19,574 5.13%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 48 $9,100,000 $189,583 $10,139 5.21%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 47 $9,015,000 $191,809 $13,890 5.18%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 41 $8,855,000 $215,976 $9,324 5.27%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 25 $8,835,000 $353,400 $24,129 5.45%
ST. LOUIS, MO-IL (FHA|USDA|VA) 47 $8,545,000 $181,809 $12,554 5.40%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 22 $7,760,000 $352,727 $20,147 5.08%
KNOXVILLE, TN (FHA|USDA|VA) 33 $7,475,000 $226,515 $14,339 5.10%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 34 $7,090,000 $208,529 $12,197 5.67%
PITTSBURGH, PA (FHA|USDA|VA) 36 $6,940,000 $192,778 $14,907 5.45%
JACKSONVILLE, FL (FHA|USDA|VA) 25 $6,515,000 $260,600 $18,483 5.33%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 17 $6,375,000 $375,000 $20,520 4.93%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 37 $6,355,000 $171,757 $12,554 5.49%
COLUMBUS, OH (FHA|USDA|VA) 37 $6,125,000 $165,541 $12,333 5.25%
RALEIGH-CARY, NC (FHA|USDA|VA) 24 $6,080,000 $253,333 $17,561 5.34%
KANSAS CITY, MO-KS (FHA|USDA|VA) 32 $6,030,000 $188,438 $13,395 5.45%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 23 $5,825,000 $253,261 $16,890 5.00%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 26 $5,660,000 $217,692 $16,114 5.12%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 27 $5,375,000 $199,074 $15,110 5.04%
AKRON, OH (FHA|USDA|VA) 26 $5,130,000 $197,308 $10,228 5.44%
TUCSON, AZ (FHA|USDA|VA) 23 $4,995,000 $217,174 $14,928 5.30%
BAKERSFIELD, CA (FHA|USDA|VA) 19 $4,825,000 $253,947 $15,129 5.16%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 20 $4,630,000 $231,500 $16,628 5.24%
Wooster, OH (FHA|USDA|VA) 24 $4,280,000 $178,333 $9,299 4.57%
Big Rapids, MI (FHA|USDA|VA) 26 $4,260,000 $163,846 $7,897 5.49%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 14 $4,240,000 $302,857 $21,507 5.13%
PORT ST. LUCIE, FL (FHA|USDA|VA) 16 $4,030,000 $251,875 $15,896 5.53%
STOCKTON, CA (FHA|USDA|VA) 12 $3,970,000 $330,833 $20,753 5.30%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 17 $3,625,000 $213,235 $6,564 5.34%
OWENSBORO, KY (FHA|USDA|VA) 19 $3,545,000 $186,579 $10,119 5.57%
London, KY (FHA|USDA|VA) 19 $3,515,000 $185,000 $7,495 4.66%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 14 $3,490,000 $249,286 $16,011 5.69%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 24 $3,300,000 $137,500 $8,755 5.05%
EVANSVILLE, IN-KY (FHA|USDA|VA) 18 $3,140,000 $174,444 $10,130 5.23%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 6 $3,130,000 $521,667 $28,458 5.04%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 18 $2,970,000 $165,000 $12,172 5.51%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 4 $2,970,000 $742,500 $40,054 4.25%
FRESNO, CA (FHA|USDA|VA) 9 $2,945,000 $327,222 $19,225 5.14%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 15 $2,935,000 $195,667 $14,900 5.86%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 14 $2,810,000 $200,714 $13,895 5.07%
OCALA, FL (FHA|USDA|VA) 14 $2,710,000 $193,571 $14,414 5.50%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 5 $2,555,000 $511,000 $25,411 5.25%
CANTON-MASSILLON, OH (FHA|USDA|VA) 14 $2,540,000 $181,429 $12,021 5.59%
COLORADO SPRINGS, CO (FHA|USDA|VA) 7 $2,515,000 $359,286 $21,208 5.23%
HOT SPRINGS, AR (FHA|USDA|VA) 13 $2,475,000 $190,385 $7,604 4.89%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 9 $2,425,000 $269,444 $19,144 5.08%
Holland, MI (FHA|USDA|VA) 12 $2,420,000 $201,667 $7,551 5.71%
WINSTON-SALEM, NC (FHA|USDA|VA) 12 $2,400,000 $200,000 $14,321 5.25%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 11 $2,295,000 $208,636 $14,932 4.70%
WILMINGTON, NC (FHA|USDA|VA) 9 $2,245,000 $249,444 $12,696 5.17%
Ashtabula, OH (FHA|USDA|VA) 15 $2,205,000 $147,000 $7,093 4.77%
SPRINGFIELD, MA (FHA|USDA|VA) 10 $2,150,000 $215,000 $15,638 5.99%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 13 $2,085,000 $160,385 $12,327 4.84%
WORCESTER, MA-CT (FHA|USDA|VA) 8 $2,050,000 $256,250 $18,340 5.58%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 5 $1,925,000 $385,000 $23,066 6.43%
SAVANNAH, GA (FHA|USDA|VA) 8 $1,890,000 $236,250 $14,926 5.33%
PUNTA GORDA, FL (FHA|USDA|VA) 9 $1,845,000 $205,000 $14,032 4.97%
MODESTO, CA (FHA|USDA|VA) 7 $1,805,000 $257,857 $15,821 4.70%
VALLEJO, CA (FHA|USDA|VA) 5 $1,765,000 $353,000 $20,409 5.20%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 8 $1,750,000 $218,750 $13,041 5.16%
DAYTON-KETTERING, OH (FHA|USDA|VA) 13 $1,735,000 $133,462 $10,333 5.90%
VISALIA, CA (FHA|USDA|VA) 6 $1,660,000 $276,667 $16,554 5.63%
MUSKEGON, MI (FHA|USDA|VA) 10 $1,630,000 $163,000 $7,305 5.21%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 10 $1,610,000 $161,000 $6,252 4.90%
EAST STROUDSBURG, PA (FHA|USDA|VA) 9 $1,605,000 $178,333 $14,400 5.51%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 7 $1,595,000 $227,857 $15,657 5.45%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 7 $1,575,000 $225,000 $15,697 5.63%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 9 $1,565,000 $173,889 $12,835 5.60%
YORK-HANOVER, PA (FHA|USDA|VA) 7 $1,555,000 $222,143 $17,264 5.11%
READING, PA (FHA|USDA|VA) 9 $1,555,000 $172,778 $13,389 4.58%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 5 $1,545,000 $309,000 $10,642 5.43%
TOLEDO, OH (FHA|USDA|VA) 9 $1,475,000 $163,889 $11,234 4.88%
BELLINGHAM, WA (FHA|USDA|VA) 2 $1,470,000 $735,000 $30,620 5.50%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 4 $1,450,000 $362,500 $16,302 5.19%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 7 $1,435,000 $205,000 $12,809 5.45%
BRUNSWICK, GA (FHA|USDA|VA) 2 $1,430,000 $715,000 $38,474 5.63%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 6 $1,390,000 $231,667 $10,627 5.19%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 7 $1,355,000 $193,571 $14,465 4.80%
Madisonville, KY (FHA|USDA|VA) 10 $1,350,000 $135,000 $7,695 4.94%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 5 $1,325,000 $265,000 $17,951 5.78%
RENO, NV (FHA|USDA|VA) 4 $1,310,000 $327,500 $22,175 6.16%
Middlesborough, KY (FHA|USDA|VA) 11 $1,285,000 $116,818 $6,715 4.70%
Jacksonville, IL (FHA|USDA|VA) 13 $1,275,000 $98,077 $5,548 4.96%
JACKSONVILLE, NC (FHA|USDA|VA) 5 $1,225,000 $245,000 $14,360 5.15%
LANCASTER, PA (FHA|USDA|VA) 8 $1,220,000 $152,500 $12,312 5.67%
NEW BERN, NC (FHA|USDA|VA) 6 $1,210,000 $201,667 $12,606 5.13%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 6 $1,210,000 $201,667 $14,229 5.31%
BOISE CITY, ID (FHA|USDA|VA) 6 $1,200,000 $200,000 $14,967 5.79%
MORRISTOWN, TN (FHA|USDA|VA) 6 $1,190,000 $198,333 $13,412 5.02%
JACKSON, MI (FHA|USDA|VA) 8 $1,170,000 $146,250 $8,089 5.28%
ASHEVILLE, NC (FHA|USDA|VA) 7 $1,165,000 $166,429 $11,923 5.13%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 6 $1,130,000 $188,333 $14,773 5.42%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 9 $1,125,000 $125,000 $10,809 5.51%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 5 $1,115,000 $223,000 $18,525 5.18%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 3 $1,105,000 $368,333 $10,368 5.00%
NILES, MI (FHA|USDA|VA) 5 $1,105,000 $221,000 $10,909 4.88%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 4 $1,050,000 $262,500 $17,146 4.31%
FLAGSTAFF, AZ (FHA|USDA|VA) 2 $1,000,000 $500,000 $16,435 5.88%
Jefferson, GA (FHA|USDA|VA) 4 $980,000 $245,000 $17,709 5.91%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 7 $975,000 $139,286 $7,095 4.96%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 6 $970,000 $161,667 $12,069 5.17%
SPRINGFIELD, MO (FHA|USDA|VA) 6 $950,000 $158,333 $12,001 5.65%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 4 $940,000 $235,000 $10,706 4.81%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $930,000 $232,500 $14,184 4.72%
GAINESVILLE, FL (FHA|USDA|VA) 5 $915,000 $183,000 $14,414 5.33%
COLUMBIA, SC (FHA|USDA|VA) 3 $895,000 $298,333 $11,715 6.83%
FAYETTEVILLE, NC (FHA|USDA|VA) 5 $895,000 $179,000 $12,615 5.68%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 5 $885,000 $177,000 $12,865 5.05%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 6 $880,000 $146,667 $11,178 5.17%
Mount Pleasant, MI (FHA|USDA|VA) 5 $865,000 $173,000 $9,800 4.53%
PUEBLO, CO (FHA|USDA|VA) 3 $845,000 $281,667 $19,009 5.29%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 4 $830,000 $207,500 $14,893 5.50%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 4 $820,000 $205,000 $7,545 5.13%
Edwards, CO (FHA|USDA|VA) 1 $815,000 $815,000 $56,623 4.75%
BURLINGTON, NC (FHA|USDA|VA) 5 $805,000 $161,000 $12,075 4.98%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $805,000 $805,000 $41,954 5.00%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $795,000 $795,000 $53,910 6.75%
GAINESVILLE, GA (FHA|USDA|VA) 3 $795,000 $265,000 $18,566 5.04%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 5 $775,000 $155,000 $11,395 4.90%
Mayfield, KY (FHA|USDA|VA) 5 $755,000 $151,000 $7,694 5.53%
CARSON CITY, NV (FHA|USDA|VA) 3 $755,000 $251,667 $17,191 5.71%
FORT WAYNE, IN (FHA|USDA|VA) 5 $755,000 $151,000 $11,071 4.75%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $750,000 $375,000 $20,204 5.75%
Pella, IA (FHA|USDA|VA) 5 $745,000 $149,000 $5,520 5.88%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $740,000 $370,000 $17,590 6.13%
GREELEY, CO (FHA|USDA|VA) 3 $715,000 $238,333 $16,793 4.58%
Escanaba, MI (FHA|USDA|VA) 4 $710,000 $177,500 $8,124 5.59%
Gardnerville Ranchos, NV (FHA|USDA|VA) 2 $700,000 $350,000 $19,617 4.88%
Warsaw, IN (FHA|USDA|VA) 3 $695,000 $231,667 $17,102 4.79%
JOHNSON CITY, TN (FHA|USDA|VA) 4 $690,000 $172,500 $11,332 6.00%
JONESBORO, AR (FHA|USDA|VA) 4 $660,000 $165,000 $7,662 5.13%
Payson, AZ (FHA|USDA|VA) 4 $660,000 $165,000 $6,666 5.09%
Salem, OH (FHA|USDA|VA) 4 $650,000 $162,500 $11,048 5.56%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $645,000 $645,000 $12,871 3.38%
Cullowhee, NC (FHA|USDA|VA) 2 $640,000 $320,000 $18,884 5.25%
CLEVELAND, TN (FHA|USDA|VA) 3 $625,000 $208,333 $15,279 5.42%
Adrian, MI (FHA|USDA|VA) 4 $620,000 $155,000 $9,849 4.84%
FARMINGTON, NM (FHA|USDA|VA) 3 $615,000 $205,000 $9,202 4.33%
TALLAHASSEE, FL (FHA|USDA|VA) 3 $605,000 $201,667 $13,393 4.96%
JACKSON, TN (FHA|USDA|VA) 4 $600,000 $150,000 $11,261 6.03%
Frankfort, KY (FHA|USDA|VA) 4 $600,000 $150,000 $8,090 5.50%
Shelton, WA (FHA|USDA|VA) 2 $580,000 $290,000 $19,989 6.00%
Lewisburg, TN (FHA|USDA|VA) 2 $580,000 $290,000 $20,357 6.31%
CORVALLIS, OR (FHA|USDA|VA) 1 $575,000 $575,000 $9,455 5.63%
Tullahoma-Manchester, TN (FHA|USDA|VA) 3 $575,000 $191,667 $14,272 4.96%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 3 $555,000 $185,000 $15,074 5.13%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 3 $555,000 $185,000 $7,703 5.46%
TUSCALOOSA, AL (FHA|USDA|VA) 2 $550,000 $275,000 $11,890 4.63%
Chillicothe, OH (FHA|USDA|VA) 3 $545,000 $181,667 $13,858 4.88%
MIDLAND, MI (FHA|USDA|VA) 2 $530,000 $265,000 $9,737 4.31%
Fernley, NV (FHA|USDA|VA) 3 $525,000 $175,000 $11,532 6.13%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 3 $525,000 $175,000 $12,035 5.17%
SALINAS, CA (FHA|USDA|VA) 1 $515,000 $515,000 $30,315 6.75%
Newport, OR (FHA|USDA|VA) 1 $515,000 $515,000 $4,874 3.75%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 2 $510,000 $255,000 $18,064 4.88%
Port Angeles, WA (FHA|USDA|VA) 1 $495,000 $495,000 $7,652 5.88%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 2 $490,000 $245,000 $15,756 5.31%
ANN ARBOR, MI (FHA|USDA|VA) 2 $490,000 $245,000 $7,685 6.56%
Paducah, KY-IL (FHA|USDA|VA) 4 $490,000 $122,500 $3,916 4.19%
Pahrump, NV (FHA|USDA|VA) 2 $480,000 $240,000 $17,644 5.31%
LOUISVILLE, KY (FHA|USDA|VA) 4 $470,000 $117,500 $8,030 4.94%
Alma, MI (FHA|USDA|VA) 3 $465,000 $155,000 $7,532 6.38%
LEBANON, PA (FHA|USDA|VA) 3 $465,000 $155,000 $11,544 4.58%
BATON ROUGE, LA (FHA|USDA|VA) 2 $460,000 $230,000 $8,903 4.38%
Coldwater, MI (FHA|USDA|VA) 2 $460,000 $230,000 $15,512 6.69%
YUMA, AZ (FHA|USDA|VA) 3 $455,000 $151,667 $11,826 5.42%
HINESVILLE, GA (FHA|USDA|VA) 3 $455,000 $151,667 $10,565 5.04%
Taylorville, IL (FHA|USDA|VA) 5 $455,000 $91,000 $5,636 4.88%
BLOOMINGTON, IN (FHA|USDA|VA) 2 $450,000 $225,000 $16,535 5.63%
Show Low, AZ (FHA|USDA|VA) 2 $450,000 $225,000 $17,302 4.94%
ERIE, PA (FHA|USDA|VA) 3 $445,000 $148,333 $12,259 5.04%
Paragould, AR (FHA|USDA|VA) 3 $445,000 $148,333 $5,992 5.79%
GOLDSBORO, NC (FHA|USDA|VA) 3 $445,000 $148,333 $11,102 6.04%
SPARTANBURG, SC (FHA|USDA|VA) 1 $435,000 $435,000 $13,062 5.75%
Kill Devil Hills, NC (FHA|USDA|VA) 2 $430,000 $215,000 $15,882 6.31%
Ellensburg, WA (FHA|USDA|VA) 1 $425,000 $425,000 $30,330 5.75%
Greenville, OH (FHA|USDA|VA) 3 $425,000 $141,667 $9,452 5.21%
JOPLIN, MO (FHA|USDA|VA) 3 $415,000 $138,333 $9,912 5.33%
Crawfordsville, IN (FHA|USDA|VA) 2 $410,000 $205,000 $13,721 5.44%
BEND, OR (FHA|USDA|VA) 1 $405,000 $405,000 $3,657 4.50%
LaGrange, GA-AL (FHA|USDA|VA) 3 $405,000 $135,000 $7,923 5.21%
Aberdeen, WA (FHA|USDA|VA) 2 $400,000 $200,000 $13,169 4.38%
YAKIMA, WA (FHA|USDA|VA) 2 $400,000 $200,000 $13,542 6.31%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $395,000 $395,000 $17,430 5.63%
Palatka, FL (FHA|USDA|VA) 3 $395,000 $131,667 $9,879 6.00%
BOULDER, CO (FHA|USDA|VA) 1 $395,000 $395,000 $27,930 6.75%
ROCKY MOUNT, NC (FHA|USDA|VA) 2 $390,000 $195,000 $13,297 5.00%
Lake City, FL (FHA|USDA|VA) 2 $390,000 $195,000 $14,201 5.75%
Albemarle, NC (FHA|USDA|VA) 2 $390,000 $195,000 $11,884 5.69%
Cañon City, CO (FHA|USDA|VA) 2 $390,000 $195,000 $14,518 4.94%
DALTON, GA (FHA|USDA|VA) 2 $380,000 $190,000 $13,830 5.31%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $375,000 $375,000 $28,387 4.75%
Centralia, WA (FHA|USDA|VA) 1 $375,000 $375,000 $13,996 5.75%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $375,000 $375,000 $15,826 4.13%
JEFFERSON CITY, MO (FHA|USDA|VA) 2 $370,000 $185,000 $13,571 5.69%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $365,000 $365,000 $5,049 5.38%
IDAHO FALLS, ID (FHA|USDA|VA) 2 $360,000 $180,000 $14,595 6.25%
Cookeville, TN (FHA|USDA|VA) 2 $340,000 $170,000 $11,368 6.69%
WILLIAMSPORT, PA (FHA|USDA|VA) 2 $340,000 $170,000 $9,413 4.56%
Cornelia, GA (FHA|USDA|VA) 2 $340,000 $170,000 $12,407 5.25%
Kinston, NC (FHA|USDA|VA) 2 $330,000 $165,000 $12,164 5.19%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $325,000 $325,000 $4,276 4.25%
LONGVIEW, WA (FHA|USDA|VA) 1 $325,000 $325,000 $15,128 3.75%
Española, NM (FHA|USDA|VA) 1 $325,000 $325,000 $17,129 5.75%
Los Alamos, NM (FHA|USDA|VA) 1 $315,000 $315,000 $13,615 4.00%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $315,000 $315,000 $6,436 6.50%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $305,000 $305,000 $23,280 6.75%
Washington, NC (FHA|USDA|VA) 1 $305,000 $305,000 $21,220 5.25%
GRAND JUNCTION, CO (FHA|USDA|VA) 2 $300,000 $150,000 $10,807 5.13%
Moultrie, GA (FHA|USDA|VA) 2 $300,000 $150,000 $11,221 6.69%
WICHITA, KS (FHA|USDA|VA) 1 $295,000 $295,000 $10,674 6.13%
YUBA CITY, CA (FHA|USDA|VA) 1 $295,000 $295,000 $18,597 4.50%
MERCED, CA (FHA|USDA|VA) 2 $290,000 $145,000 $9,224 5.50%
SPRINGFIELD, OH (FHA|USDA|VA) 2 $290,000 $145,000 $11,666 6.63%
POCATELLO, ID (FHA|USDA|VA) 1 $285,000 $285,000 $16,676 7.00%
GETTYSBURG, PA (FHA|USDA|VA) 2 $280,000 $140,000 $11,817 6.44%
Sedalia, MO (FHA|USDA|VA) 2 $280,000 $140,000 $10,355 4.69%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 2 $280,000 $140,000 $11,274 4.69%
LAS CRUCES, NM (FHA|USDA|VA) 1 $275,000 $275,000 $7,198 4.25%
Rockingham, NC (FHA|USDA|VA) 1 $275,000 $275,000 $19,007 6.25%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $275,000 $275,000 $14,110 6.13%
Celina, OH (FHA|USDA|VA) 2 $270,000 $135,000 $9,073 3.50%
Hannibal, MO (FHA|USDA|VA) 2 $270,000 $135,000 $10,041 6.00%
MANSFIELD, OH (FHA|USDA|VA) 2 $270,000 $135,000 $10,352 6.69%
Shelby, NC (FHA|USDA|VA) 2 $270,000 $135,000 $10,938 5.75%
COLUMBIA, MO (FHA|USDA|VA) 2 $270,000 $135,000 $10,756 6.00%
Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $265,000 $265,000 $10,807 4.63%
Fallon, NV (FHA|USDA|VA) 1 $265,000 $265,000 $14,005 5.38%
SPRINGFIELD, IL (FHA|USDA|VA) 2 $260,000 $130,000 $6,662 4.50%
SANTA FE, NM (FHA|USDA|VA) 1 $255,000 $255,000 $14,018 4.25%
Moberly, MO (FHA|USDA|VA) 1 $255,000 $255,000 $18,129 5.25%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $255,000 $255,000 $15,408 5.50%
Kendallville, IN (FHA|USDA|VA) 2 $250,000 $125,000 $10,035 5.69%
Norwalk, OH (FHA|USDA|VA) 2 $250,000 $125,000 $9,645 5.19%
Lumberton, NC (FHA|USDA|VA) 1 $245,000 $245,000 $16,809 3.88%
Nogales, AZ (FHA|USDA|VA) 1 $245,000 $245,000 $9,837 3.50%
Elko, NV (FHA|USDA|VA) 1 $245,000 $245,000 $18,568 5.75%
Red Bluff, CA (FHA|USDA|VA) 1 $245,000 $245,000 $15,104 4.25%
Richmond-Berea, KY (FHA|USDA|VA) 1 $245,000 $245,000 $9,467 3.88%
Ontario, OR-ID (FHA|USDA|VA) 1 $245,000 $245,000 $21,099 5.63%
Urbana, OH (FHA|USDA|VA) 1 $245,000 $245,000 $17,974 5.75%
Jesup, GA (FHA|USDA|VA) 1 $235,000 $235,000 $16,974 4.75%
MADERA, CA (FHA|USDA|VA) 1 $235,000 $235,000 $14,385 5.75%
CHICO, CA (FHA|USDA|VA) 1 $225,000 $225,000 $13,831 5.75%
Marion, OH (FHA|USDA|VA) 2 $220,000 $110,000 $8,995 5.94%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $215,000 $215,000 $13,193 6.75%
Douglas, GA (FHA|USDA|VA) 1 $215,000 $215,000 $15,375 4.13%
Boone, NC (FHA|USDA|VA) 1 $215,000 $215,000 $13,059 5.75%
Wauchula, FL (FHA|USDA|VA) 1 $215,000 $215,000 $16,735 5.75%
EL CENTRO, CA (FHA|USDA|VA) 1 $215,000 $215,000 $13,310 6.75%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 2 $210,000 $105,000 $9,905 5.63%
Portsmouth, OH (FHA|USDA|VA) 2 $210,000 $105,000 $8,535 6.13%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $205,000 $205,000 $16,856 4.75%
Selinsgrove, PA (FHA|USDA|VA) 1 $205,000 $205,000 $16,124 6.75%
ALBANY, GA (FHA|USDA|VA) 2 $200,000 $100,000 $8,246 6.75%
Kirksville, MO (FHA|USDA|VA) 1 $195,000 $195,000 $10,458 4.75%
Sidney, OH (FHA|USDA|VA) 1 $195,000 $195,000 $12,314 4.13%
Crossville, TN (FHA|USDA|VA) 1 $195,000 $195,000 $14,484 5.25%
WALLA WALLA, WA (FHA|USDA|VA) 1 $195,000 $195,000 $14,816 4.25%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $185,000 $185,000 $10,168 5.88%
PITTSFIELD, MA (FHA|USDA|VA) 1 $185,000 $185,000 $14,427 5.63%
Marion, NC (FHA|USDA|VA) 1 $185,000 $185,000 $14,366 5.25%
St. Marys, GA (FHA|USDA|VA) 1 $185,000 $185,000 $13,985 6.75%
New Castle, PA (FHA|USDA|VA) 2 $180,000 $90,000 $6,347 6.38%
Ashland, OH (FHA|USDA|VA) 2 $180,000 $90,000 $7,565 5.31%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $175,000 $175,000 $13,959 5.63%
Cedartown, GA (FHA|USDA|VA) 1 $175,000 $175,000 $13,163 6.63%
Mount Vernon, OH (FHA|USDA|VA) 1 $165,000 $165,000 $12,452 5.63%
Susanville, CA (FHA|USDA|VA) 1 $155,000 $155,000 $10,015 5.63%
Blytheville, AR (FHA|USDA|VA) 1 $155,000 $155,000 $3,994 4.38%
Sturgis, MI (FHA|USDA|VA) 1 $155,000 $155,000 $10,916 4.63%
Jasper, IN (FHA|USDA|VA) 1 $155,000 $155,000 $11,887 5.75%
Bainbridge, GA (FHA|USDA|VA) 1 $155,000 $155,000 $11,937 5.63%
Farmington, MO (FHA|USDA|VA) 1 $155,000 $155,000 $11,181 6.88%
McMinnville, TN (FHA|USDA|VA) 1 $145,000 $145,000 $10,626 4.75%
Hillsdale, MI (FHA|USDA|VA) 1 $145,000 $145,000 $9,315 4.50%
Cambridge, OH (FHA|USDA|VA) 1 $145,000 $145,000 $11,495 4.88%
LIMA, OH (FHA|USDA|VA) 1 $145,000 $145,000 $11,278 5.63%
Thomaston, GA (FHA|USDA|VA) 1 $145,000 $145,000 $11,597 6.75%
Traverse City, MI (FHA|USDA|VA) 1 $145,000 $145,000 $8,620 6.00%
Troy, AL (FHA|USDA|VA) 1 $145,000 $145,000 $8,009 3.63%
Lincoln, IL (FHA|USDA|VA) 1 $145,000 $145,000 $2,693 4.00%
Athens, TN (FHA|USDA|VA) 1 $145,000 $145,000 $10,852 5.25%
Safford, AZ (FHA|USDA|VA) 1 $135,000 $135,000 $10,431 4.25%
Calhoun, GA (FHA|USDA|VA) 1 $135,000 $135,000 $10,010 6.63%
Angola, IN (FHA|USDA|VA) 1 $135,000 $135,000 $10,736 6.75%
Fremont, OH (FHA|USDA|VA) 1 $135,000 $135,000 $9,989 6.63%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $135,000 $135,000 $7,490 4.25%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $135,000 $135,000 $10,070 6.88%
Kennett, MO (FHA|USDA|VA) 1 $135,000 $135,000 $10,056 5.75%
Bedford, IN (FHA|USDA|VA) 1 $135,000 $135,000 $10,216 4.38%
Bellefontaine, OH (FHA|USDA|VA) 1 $135,000 $135,000 $8,513 6.63%
Bucyrus-Galion, OH (FHA|USDA|VA) 1 $125,000 $125,000 $9,815 6.75%
Toccoa, GA (FHA|USDA|VA) 1 $125,000 $125,000 $7,036 4.13%
New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $125,000 $125,000 $10,073 5.75%
Indiana, PA (FHA|USDA|VA) 1 $125,000 $125,000 $10,551 4.75%
Defiance, OH (FHA|USDA|VA) 1 $125,000 $125,000 $9,879 6.63%
Van Wert, OH (FHA|USDA|VA) 1 $125,000 $125,000 $8,315 6.00%
DULUTH, MN-WI (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.88%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $125,000 $125,000 $9,636 5.25%
Waycross, GA (FHA|USDA|VA) 1 $125,000 $125,000 $8,908 5.75%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $125,000 $125,000 $10,185 6.75%
PANAMA CITY, FL (FHA|USDA|VA) 1 $125,000 $125,000 $9,777 5.75%
Statesboro, GA (FHA|USDA|VA) 1 $125,000 $125,000 $9,137 4.75%
Sterling, CO (FHA|USDA|VA) 1 $125,000 $125,000 $10,629 7.25%
Findlay, OH (FHA|USDA|VA) 1 $115,000 $115,000 $9,322 6.75%
BAY CITY, MI (FHA|USDA|VA) 1 $115,000 $115,000 $5,399 3.50%
Sikeston, MO (FHA|USDA|VA) 1 $115,000 $115,000 $8,870 6.75%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $115,000 $115,000 $9,168 5.25%
Coshocton, OH (FHA|USDA|VA) 1 $115,000 $115,000 $9,172 6.75%
Lebanon, MO (FHA|USDA|VA) 1 $105,000 $105,000 $8,348 6.75%
Oil City, PA (FHA|USDA|VA) 1 $105,000 $105,000 $7,800 5.38%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $105,000 $105,000 $9,505 4.25%
Tiffin, OH (FHA|USDA|VA) 1 $105,000 $105,000 $7,036 5.75%
FLINT, MI (FHA|USDA|VA) 1 $105,000 $105,000 $5,265 5.25%
Fort Leonard Wood, MO (FHA|USDA|VA) 1 $105,000 $105,000 $6,120 4.75%
Malvern, AR (FHA|USDA|VA) 1 $105,000 $105,000 $3,417 4.38%
Greensburg, IN (FHA|USDA|VA) 1 $105,000 $105,000 $8,442 4.00%
New Castle, IN (FHA|USDA|VA) 1 $105,000 $105,000 $6,232 6.50%
Connersville, IN (FHA|USDA|VA) 1 $105,000 $105,000 $9,723 5.25%
Alpena, MI (FHA|USDA|VA) 1 $105,000 $105,000 $3,303 6.00%
Thomasville, GA (FHA|USDA|VA) 1 $105,000 $105,000 $7,699 5.25%
Bradford, PA (FHA|USDA|VA) 1 $95,000 $95,000 $9,137 6.75%
Wapakoneta, OH (FHA|USDA|VA) 1 $85,000 $85,000 $5,824 6.13%
Lawrenceburg, TN (FHA|USDA|VA) 1 $85,000 $85,000 $7,324 6.75%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $85,000 $85,000 $6,391 5.50%
Blackfoot, ID (FHA|USDA|VA) 1 $75,000 $75,000 $6,471 7.38%
St. Marys, PA (FHA|USDA|VA) 1 $75,000 $75,000 $8,606 4.25%
Arkadelphia, AR (FHA|USDA|VA) 1 $45,000 $45,000 $3,382 4.50%
Top Flite Financial's top markets include Atlanta, Phoenix, Seattle, Charlotte, and Las Vegas among others.

Their top states include:
  • Florida (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    FHA 1,861 $405,275,000 $217,773 $15,476 5.39%
    Conventional 668 $164,940,000 $246,916 $10,354 5.11%
    VA 122 $36,080,000 $295,738 $15,939 5.08%
    USDA 110 $16,050,000 $145,909 $7,669 5.08%

    For 2022, Top Flite Financial's most frequently originated type of loan was FHA, with 1,861 originations. Their 2nd most popular type was Conventional, with 668 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 1,911 $440,475,000 $230,495 $15,642 5.31%
    Home Purchase 724 $156,670,000 $216,395 $9,970 5.28%
    Refi 77 $18,485,000 $240,065 $11,603 5.00%
    Home Improvement 45 $6,125,000 $136,111 $10,439 5.67%
    Other 4 $590,000 $147,500 $10,629 3.59%

    For 2022, Top Flite Financial's most frequently cited loan purpose was Cash Out Refi, with 1,911 originations. The 2nd most popular reason was Home Purchase, with 724 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,110 $485,780,000 $230,227 $13,855 5.28%
    Other 458 $99,030,000 $216,223 $15,370 5.89%
    15 Year 189 $36,835,000 $194,894 $11,970 4.04%
    20 Year 3 $585,000 $195,000 $7,691 3.75%
    10 Year 1 $115,000 $115,000 $4,034 3.75%

    For 2022, Top Flite Financial's most frequently cited loan duration was 30 Year, with 2,110 originations. The 2nd most popular length was Other, with 458 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 2,205 $534,135,000 $242,238
    $4k-5k 178 $27,840,000 $156,404
    $3k-4k 148 $22,890,000 $154,662
    $2k-3k 109 $14,615,000 $134,083
    $1k-2k 87 $15,275,000 $175,575
    $<1k 22 $5,320,000 $241,818

    Top Flite Financial's average total fees were $13,855, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 2,205 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 1,074 $242,950,000 $226,210
    4-5% 674 $152,950,000 $226,929
    6-7% 566 $121,620,000 $214,876
    3-4% 342 $81,180,000 $237,368
    7-8% 76 $17,460,000 $229,737
    2.5-3% 27 $5,825,000 $215,741
    Over 8% 1 $165,000 $165,000
    <2.5% 1 $195,000 $195,000

    During 2022, Top Flite Financial's average interest rate for loans was 5.28%, while their most frequently originated rate bucket for loans was 5-6%, with 1,074 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,215 $181,965,000 $149,765 $10,196 5.29%
    $200k-400k 1,121 $305,225,000 $272,279 $16,876 5.28%
    $400k-600k 199 $92,475,000 $464,698 $24,862 5.34%
    $100,000 or less 190 $15,260,000 $80,316 $6,231 5.47%
    $600k-1MM 34 $24,820,000 $730,000 $30,182 4.92%
    $1MM+ 2 $2,600,000 $1,300,000 $38,311 5.06%

    2022 saw Top Flite Financial place emphasis on $100k-200k loans with 1,215 originations, totaling $181,965,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 856 $162,200,000 $189,486 $12,621 5.28%
    $50k or less 586 $80,210,000 $136,877 $9,287 5.33%
    $75k-100k 557 $132,085,000 $237,136 $15,005 5.32%
    $100k-150k 523 $150,515,000 $287,792 $17,291 5.29%
    $150k-250k 200 $79,100,000 $395,500 $20,777 5.28%
    $250k+ 38 $18,080,000 $475,789 $19,978 5.02%

    Top Flite Financial lent most frequently to those with incomes in the $50k-75k range, with 856 originations. The second most popular income band? $50k or less, with 586 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 653 $148,135,000 $226,853 $15,742 5.34%
    30-36% 401 $88,405,000 $220,461 $13,066 5.27%
    20-30% 280 $53,650,000 $191,607 $10,769 5.25%
    44% 137 $34,015,000 $248,285 $13,641 5.37%
    43% 129 $30,925,000 $239,729 $14,145 5.40%
    38% 103 $21,785,000 $211,505 $12,706 5.23%
    41% 102 $25,480,000 $249,804 $13,880 5.33%
    42% 101 $24,335,000 $240,941 $14,708 5.38%
    46% 100 $21,500,000 $215,000 $15,144 5.59%
    39% 95 $20,355,000 $214,263 $13,042 5.06%
    48% 95 $22,765,000 $239,632 $15,306 5.37%
    40% 94 $22,720,000 $241,702 $14,619 5.50%
    45% 94 $21,530,000 $229,043 $14,684 5.22%
    49% 90 $22,700,000 $252,222 $14,094 5.19%
    47% 89 $22,275,000 $250,281 $16,066 5.53%
    36% 76 $16,160,000 $212,632 $13,008 5.04%
    37% 67 $14,675,000 $219,030 $14,089 5.21%
    <20% 48 $8,520,000 $177,500 $8,631 4.69%
    >60% 6 $2,260,000 $376,667 $16,830 4.13%

    Top Flite Financial lent most frequently to those with DTI ratios of 50-60%, with 653 originations. The next most common DTI ratio? 30-36%, with 401 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,182 $484,440,000 $222,016 $13,618 5.28%
    Black 333 $74,035,000 $222,327 $14,734 5.40%
    Not provided 175 $41,045,000 $234,543 $15,477 5.26%
    Asian 41 $14,845,000 $362,073 $18,943 5.49%
    American Indian 21 $5,605,000 $266,905 $15,333 5.26%
    Native Hawaiian or Islander 6 $1,500,000 $250,000 $14,673 5.23%
    Other Pacific Islander 2 $720,000 $360,000 $21,626 5.25%
    Filipino 1 $155,000 $155,000 $11,932 5.63%

    Approval Rates

    Total approvals of all applications
    93.57%

    Top Flite Financial has an average approval rate.

    Pick Rate

    Approvals leading to origination
    -104.02%

    Top Flite Financial has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,761 $622,345,000 $225,406

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,761 $622,345,000 $225,406

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 136 $21,630,000 $159,044 $10,112 5.45%
    40-60% 465 $96,575,000 $207,688 $12,983 5.29%
    60-80% 1,178 $274,440,000 $232,971 $15,352 5.32%
    80-100% 950 $225,340,000 $237,200 $13,470 5.25%
    Over 100% 10 $2,190,000 $219,000 $12,665 5.40%
    Under 20% 21 $2,015,000 $95,952 $7,124 5.45%