Top Flite Financial Mortgage Rates, Fees & Info

WILLIAMSTON, MI

LEI: 54930030Z1JWTP3SVD16

Tax ID: 13-4225190

1 stars - Updated: 6/9/24 - out of 5 stars, based on 50 reviews

Latest/2023 | 2022 Data | 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, Charlotte, Phoenix, Detroit, and Las Vegas among others. We have data for 427 markets. (Some data included below & more in-depth data is available with an active subscription.)

Top Flite Financial has an 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% 6/9/24
30 Year Conventional Refi 7.00% 6/9/24
30 Year Cash-out Refi 6.97% 6/9/24
30 Year FHA Purchase 7.70% 6/9/24
30 Year FHA Refi 7.70% 6/9/24
30 Year VA Purchase 6.85% 6/9/24
30 Year VA Refi 6.27% 6/9/24
30 Year USDA Purchase 7.25% 6/9/24
15 Year Conventional Purchase 6.77% 6/9/24
15 Year Conventional Refi 6.61% 6/9/24
15 Year Cash-out Refi 6.61% 6/9/24
15 Year FHA Purchase 7.00% 6/9/24
15 Year FHA Refi 5.68% 6/9/24
15 Year VA Purchase 5.68% 6/9/24
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

2,475

Origination Dollar Volume (All Markets)

$508,945,000

Awards

TOP FLITE FINANCIAL FHA Loans silver
Show all (1) awards

Relative Rate

Top Flite Financial's average 30 year fixed mortgage rate was 6.89%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.41%.

Relative Fees (Closing Costs)

Top Flite Financial's average total fees/closing costs for a 30 year fixed rate mortgage were $13,580.

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 $9,089.

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) 106 $24,200,000 $228,302 $16,004 6.92%
Outside of Metro Areas 151 $23,555,000 $155,993 $11,076 6.98%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 83 $19,495,000 $234,880 $14,125 6.84%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 60 $17,890,000 $298,167 $15,858 6.91%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 69 $11,775,000 $170,652 $10,796 6.87%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 38 $11,680,000 $307,368 $19,291 6.82%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 53 $9,995,000 $188,585 $14,241 6.98%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 43 $9,655,000 $224,535 $17,352 6.97%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 42 $9,200,000 $219,048 $10,761 7.00%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 22 $9,110,000 $414,091 $27,181 7.01%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 37 $7,875,000 $212,838 $17,081 6.98%
ST. LOUIS, MO-IL (FHA|USDA|VA) 43 $7,815,000 $181,744 $13,244 7.07%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 28 $7,500,000 $267,857 $17,970 6.79%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 37 $7,485,000 $202,297 $12,885 7.06%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 29 $7,475,000 $257,759 $17,712 6.91%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 19 $7,025,000 $369,737 $21,046 6.95%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 22 $6,790,000 $308,636 $17,384 6.98%
KANSAS CITY, MO-KS (FHA|USDA|VA) 37 $6,085,000 $164,459 $12,316 7.03%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 35 $5,935,000 $169,571 $12,711 7.05%
JACKSONVILLE, FL (FHA|USDA|VA) 26 $5,820,000 $223,846 $16,887 6.82%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 22 $5,680,000 $258,182 $19,894 6.92%
AKRON, OH (FHA|USDA|VA) 29 $5,625,000 $193,966 $11,418 6.93%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 26 $5,400,000 $207,692 $13,435 7.01%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 14 $5,210,000 $372,143 $21,589 6.92%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 7 $4,465,000 $637,857 $37,497 6.96%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 10 $4,350,000 $435,000 $29,631 7.00%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 11 $3,865,000 $351,364 $23,704 7.14%
COLUMBIA, SC (FHA|USDA|VA) 22 $3,790,000 $172,273 $11,067 6.99%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 19 $3,455,000 $181,842 $13,560 7.04%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 8 $3,410,000 $426,250 $27,141 6.72%
PITTSBURGH, PA (FHA|USDA|VA) 25 $3,395,000 $135,800 $11,639 6.94%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 14 $3,350,000 $239,286 $16,348 7.04%
RALEIGH-CARY, NC (FHA|USDA|VA) 14 $3,250,000 $232,143 $17,129 6.86%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 16 $3,120,000 $195,000 $13,364 7.22%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 17 $3,115,000 $183,235 $12,968 6.80%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 15 $3,085,000 $205,667 $15,985 6.79%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 16 $3,060,000 $191,250 $13,070 6.97%
RICHMOND, VA (FHA|USDA|VA) 14 $3,040,000 $217,143 $15,970 7.17%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 17 $2,985,000 $175,588 $12,370 6.90%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 22 $2,970,000 $135,000 $9,840 7.00%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 17 $2,905,000 $170,882 $12,545 7.01%
WORCESTER, MA-CT (FHA|USDA|VA) 12 $2,890,000 $240,833 $16,906 6.78%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 12 $2,860,000 $238,333 $12,759 7.00%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 15 $2,695,000 $179,667 $14,047 7.13%
LOUISVILLE, KY (FHA|USDA|VA) 15 $2,685,000 $179,000 $12,639 7.02%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 8 $2,650,000 $331,250 $23,753 7.06%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 7 $2,615,000 $373,571 $18,982 6.84%
COLUMBUS, OH (FHA|USDA|VA) 16 $2,540,000 $158,750 $12,761 7.03%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 13 $2,515,000 $193,462 $15,482 7.01%
WINSTON-SALEM, NC (FHA|USDA|VA) 13 $2,445,000 $188,077 $13,634 6.91%
Wooster, OH (FHA|USDA|VA) 13 $2,315,000 $178,077 $10,859 7.00%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 9 $2,305,000 $256,111 $15,719 7.06%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 14 $2,220,000 $158,571 $12,265 7.17%
PORT ST. LUCIE, FL (FHA|USDA|VA) 9 $2,215,000 $246,111 $15,871 6.82%
KNOXVILLE, TN (FHA|USDA|VA) 11 $2,215,000 $201,364 $13,030 6.76%
TUCSON, AZ (FHA|USDA|VA) 9 $2,195,000 $243,889 $17,179 6.86%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 13 $2,105,000 $161,923 $11,451 7.20%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 9 $2,065,000 $229,444 $14,960 7.14%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 10 $1,990,000 $199,000 $15,447 7.09%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 4 $1,970,000 $492,500 $23,364 6.94%
HOT SPRINGS, AR (FHA|USDA|VA) 7 $1,955,000 $279,286 $6,169 7.05%
EAST STROUDSBURG, PA (FHA|USDA|VA) 9 $1,935,000 $215,000 $17,091 6.92%
BOISE CITY, ID (FHA|USDA|VA) 6 $1,910,000 $318,333 $21,201 7.23%
London, KY (FHA|USDA|VA) 14 $1,890,000 $135,000 $7,363 6.52%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 8 $1,850,000 $231,250 $14,365 7.03%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 7 $1,835,000 $262,143 $18,099 6.73%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 3 $1,805,000 $601,667 $34,439 7.04%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 7 $1,755,000 $250,714 $17,765 7.07%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 6 $1,730,000 $288,333 $21,533 6.75%
SPRINGFIELD, MO (FHA|USDA|VA) 10 $1,650,000 $165,000 $12,371 6.68%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 9 $1,645,000 $182,778 $14,923 6.89%
DAYTON-KETTERING, OH (FHA|USDA|VA) 12 $1,630,000 $135,833 $11,486 7.26%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 9 $1,615,000 $179,444 $13,047 6.88%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 4 $1,610,000 $402,500 $18,411 7.22%
FRESNO, CA (FHA|USDA|VA) 5 $1,585,000 $317,000 $19,604 6.90%
TOLEDO, OH (FHA|USDA|VA) 11 $1,585,000 $144,091 $11,498 7.01%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 5 $1,565,000 $313,000 $14,248 6.93%
Madisonville, KY (FHA|USDA|VA) 9 $1,505,000 $167,222 $9,332 6.93%
OWENSBORO, KY (FHA|USDA|VA) 12 $1,490,000 $124,167 $7,375 7.37%
MODESTO, CA (FHA|USDA|VA) 5 $1,485,000 $297,000 $18,435 7.05%
ALBUQUERQUE, NM (FHA|USDA|VA) 8 $1,420,000 $177,500 $13,644 7.14%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 9 $1,415,000 $157,222 $13,005 6.88%
HUNTSVILLE, AL (FHA|USDA|VA) 6 $1,340,000 $223,333 $16,037 7.00%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 5 $1,335,000 $267,000 $14,228 6.78%
LANCASTER, PA (FHA|USDA|VA) 6 $1,320,000 $220,000 $16,015 7.00%
CANTON-MASSILLON, OH (FHA|USDA|VA) 8 $1,300,000 $162,500 $11,169 7.23%
FAYETTEVILLE, NC (FHA|USDA|VA) 9 $1,255,000 $139,444 $10,976 6.67%
BURLINGTON, NC (FHA|USDA|VA) 6 $1,240,000 $206,667 $14,799 6.65%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 6 $1,210,000 $201,667 $12,600 6.90%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 6 $1,200,000 $200,000 $13,127 6.73%
EVANSVILLE, IN-KY (FHA|USDA|VA) 9 $1,185,000 $131,667 $9,913 7.43%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 6 $1,180,000 $196,667 $14,834 6.96%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $1,150,000 $191,667 $15,037 6.79%
OCALA, FL (FHA|USDA|VA) 7 $1,145,000 $163,571 $13,072 6.84%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 6 $1,140,000 $190,000 $13,173 7.13%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 6 $1,140,000 $190,000 $14,376 7.00%
SPRINGFIELD, MA (FHA|USDA|VA) 6 $1,130,000 $188,333 $14,527 7.25%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 4 $1,130,000 $282,500 $21,634 7.19%
BAY CITY, MI (FHA|USDA|VA) 7 $1,105,000 $157,857 $6,488 6.75%
STOCKTON, CA (FHA|USDA|VA) 3 $1,085,000 $361,667 $21,571 6.88%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 3 $1,055,000 $351,667 $23,496 7.13%
SPARTANBURG, SC (FHA|USDA|VA) 7 $1,055,000 $150,714 $10,579 7.07%
JACKSON, MI (FHA|USDA|VA) 8 $1,040,000 $130,000 $8,648 7.55%
Holland, MI (FHA|USDA|VA) 5 $1,035,000 $207,000 $8,605 6.85%
BATON ROUGE, LA (FHA|USDA|VA) 6 $1,030,000 $171,667 $13,422 7.29%
ASHEVILLE, NC (FHA|USDA|VA) 5 $1,025,000 $205,000 $15,005 6.80%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 6 $1,000,000 $166,667 $12,967 6.96%
MUSKEGON, MI (FHA|USDA|VA) 6 $990,000 $165,000 $10,998 7.17%
VISALIA, CA (FHA|USDA|VA) 4 $990,000 $247,500 $15,025 7.00%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 4 $990,000 $247,500 $18,155 7.25%
BAKERSFIELD, CA (FHA|USDA|VA) 5 $955,000 $191,000 $12,224 7.15%
JACKSON, TN (FHA|USDA|VA) 7 $935,000 $133,571 $10,846 6.80%
Big Rapids, MI (FHA|USDA|VA) 7 $935,000 $133,571 $8,218 6.88%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $900,000 $225,000 $17,420 6.97%
SAVANNAH, GA (FHA|USDA|VA) 4 $890,000 $222,500 $15,039 6.78%
WILMINGTON, NC (FHA|USDA|VA) 4 $890,000 $222,500 $13,981 6.78%
FORT SMITH, AR-OK (FHA|USDA|VA) 4 $880,000 $220,000 $15,370 7.09%
GREELEY, CO (FHA|USDA|VA) 2 $860,000 $430,000 $30,846 6.75%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 4 $850,000 $212,500 $16,563 6.75%
MORRISTOWN, TN (FHA|USDA|VA) 4 $840,000 $210,000 $15,733 6.84%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 4 $820,000 $205,000 $15,956 7.13%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 6 $820,000 $136,667 $11,864 6.85%
BLOOMINGTON, IN (FHA|USDA|VA) 4 $790,000 $197,500 $15,291 6.84%
RENO, NV (FHA|USDA|VA) 5 $785,000 $157,000 $11,774 6.88%
Crossville, TN (FHA|USDA|VA) 4 $770,000 $192,500 $13,718 6.81%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 6 $750,000 $125,000 $9,947 6.83%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $745,000 $248,333 $17,593 7.00%
BELLINGHAM, WA (FHA|USDA|VA) 2 $730,000 $365,000 $26,250 6.81%
GAINESVILLE, GA (FHA|USDA|VA) 4 $730,000 $182,500 $13,508 6.78%
ALBANY, GA (FHA|USDA|VA) 5 $725,000 $145,000 $10,397 6.95%
MOBILE, AL (FHA|USDA|VA) 6 $710,000 $118,333 $9,646 7.10%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 5 $705,000 $141,000 $11,127 6.85%
TALLAHASSEE, FL (FHA|USDA|VA) 2 $700,000 $350,000 $26,228 7.13%
MUNCIE, IN (FHA|USDA|VA) 3 $685,000 $228,333 $17,233 7.33%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 5 $685,000 $137,000 $11,121 7.20%
St. Marys, GA (FHA|USDA|VA) 4 $670,000 $167,500 $11,584 6.84%
FLINT, MI (FHA|USDA|VA) 5 $665,000 $133,000 $10,935 6.88%
JACKSONVILLE, NC (FHA|USDA|VA) 3 $655,000 $218,333 $15,116 7.17%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 6 $640,000 $106,667 $8,569 6.71%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 4 $640,000 $160,000 $6,656 7.00%
GAINESVILLE, FL (FHA|USDA|VA) 4 $640,000 $160,000 $13,232 7.13%
READING, PA (FHA|USDA|VA) 5 $635,000 $127,000 $11,498 6.93%
ERIE, PA (FHA|USDA|VA) 3 $625,000 $208,333 $16,704 7.13%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $620,000 $310,000 $7,505 6.63%
SALISBURY, MD-DE (FHA|USDA|VA) 3 $615,000 $205,000 $14,410 7.46%
Farmington, MO (FHA|USDA|VA) 3 $605,000 $201,667 $15,136 7.33%
Somerset, KY (FHA|USDA|VA) 3 $605,000 $201,667 $10,163 7.29%
BATTLE CREEK, MI (FHA|USDA|VA) 4 $600,000 $150,000 $10,266 6.88%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 2 $600,000 $300,000 $12,041 6.94%
Middlesborough, KY (FHA|USDA|VA) 4 $600,000 $150,000 $9,147 6.59%
Sanford, NC (FHA|USDA|VA) 3 $595,000 $198,333 $14,761 6.71%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 4 $590,000 $147,500 $10,998 6.81%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 3 $585,000 $195,000 $16,701 7.21%
Mount Airy, NC (FHA|USDA|VA) 3 $575,000 $191,667 $10,509 7.42%
PUEBLO, CO (FHA|USDA|VA) 3 $575,000 $191,667 $13,427 7.04%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 4 $570,000 $142,500 $11,109 7.16%
Scottsboro, AL (FHA|USDA|VA) 2 $570,000 $285,000 $20,911 7.13%
Payson, AZ (FHA|USDA|VA) 3 $565,000 $188,333 $9,763 6.92%
YUMA, AZ (FHA|USDA|VA) 2 $560,000 $280,000 $16,289 6.75%
DECATUR, AL (FHA|USDA|VA) 2 $560,000 $280,000 $20,269 7.25%
Whitewater, WI (FHA|USDA|VA) 3 $555,000 $185,000 $13,547 7.17%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $550,000 $275,000 $31,666 7.00%
COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $550,000 $275,000 $18,755 6.94%
Crawfordsville, IN (FHA|USDA|VA) 3 $535,000 $178,333 $13,839 6.83%
Albemarle, NC (FHA|USDA|VA) 4 $530,000 $132,500 $10,031 6.44%
FLORENCE, SC (FHA|USDA|VA) 3 $525,000 $175,000 $12,318 7.21%
COLUMBUS, IN (FHA|USDA|VA) 3 $515,000 $171,667 $13,789 7.25%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 3 $515,000 $171,667 $13,945 7.00%
Wilson, NC (FHA|USDA|VA) 3 $515,000 $171,667 $13,208 6.50%
Forest City, NC (FHA|USDA|VA) 3 $505,000 $168,333 $12,963 6.42%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 3 $505,000 $168,333 $10,167 6.79%
MONROE, MI (FHA|USDA|VA) 2 $500,000 $250,000 $18,288 7.00%
NILES, MI (FHA|USDA|VA) 3 $495,000 $165,000 $10,905 7.54%
Greenwood, SC (FHA|USDA|VA) 3 $485,000 $161,667 $11,551 7.17%
SPRINGFIELD, OH (FHA|USDA|VA) 3 $485,000 $161,667 $10,533 7.08%
SAGINAW, MI (FHA|USDA|VA) 3 $485,000 $161,667 $8,284 7.29%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 2 $480,000 $240,000 $17,479 7.25%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $475,000 $475,000 $10,243 7.13%
VALDOSTA, GA (FHA|USDA|VA) 3 $475,000 $158,333 $10,794 6.79%
YORK-HANOVER, PA (FHA|USDA|VA) 2 $470,000 $235,000 $18,647 7.00%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $465,000 $155,000 $11,904 7.38%
Tullahoma-Manchester, TN (FHA|USDA|VA) 3 $465,000 $155,000 $10,659 6.67%
Aberdeen, WA (FHA|USDA|VA) 2 $460,000 $230,000 $17,642 7.25%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 2 $460,000 $230,000 $18,278 7.25%
Ludington, MI (FHA|USDA|VA) 3 $455,000 $151,667 $7,411 7.04%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $455,000 $455,000 $26,194 6.63%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $455,000 $455,000 $27,198 6.75%
Sikeston, MO (FHA|USDA|VA) 3 $455,000 $151,667 $11,888 6.88%
Ashland, OH (FHA|USDA|VA) 3 $445,000 $148,333 $11,080 6.50%
Jefferson, GA (FHA|USDA|VA) 3 $425,000 $141,667 $10,293 6.83%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $425,000 $425,000 $31,471 6.63%
LAFAYETTE, LA (FHA|USDA|VA) 3 $425,000 $141,667 $11,483 7.08%
STAUNTON, VA (FHA|USDA|VA) 3 $425,000 $141,667 $11,252 7.08%
Pella, IA (FHA|USDA|VA) 1 $415,000 $415,000 $9,120 6.75%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $410,000 $205,000 $15,216 6.69%
Frankfort, IN (FHA|USDA|VA) 2 $410,000 $205,000 $15,335 6.75%
Manitowoc, WI (FHA|USDA|VA) 2 $410,000 $205,000 $15,035 6.69%
MIDLAND, MI (FHA|USDA|VA) 3 $405,000 $135,000 $10,000 6.88%
YUBA CITY, CA (FHA|USDA|VA) 1 $395,000 $395,000 $23,786 6.75%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $395,000 $395,000 $21,993 7.38%
Okeechobee, FL (FHA|USDA|VA) 2 $390,000 $195,000 $15,153 6.75%
Fernley, NV (FHA|USDA|VA) 1 $385,000 $385,000 $27,427 6.75%
AMES, IA (FHA|USDA|VA) 1 $385,000 $385,000 $14,613 6.75%
CLEVELAND, TN (FHA|USDA|VA) 2 $380,000 $190,000 $12,921 6.81%
Augusta-Waterville, ME (FHA|USDA|VA) 2 $380,000 $190,000 $14,404 7.13%
Glenwood Springs, CO (FHA|USDA|VA) 1 $375,000 $375,000 $26,800 6.63%
NEW BERN, NC (FHA|USDA|VA) 3 $375,000 $125,000 $10,119 7.17%
Elizabeth City, NC (FHA|USDA|VA) 2 $370,000 $185,000 $13,891 7.00%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 2 $370,000 $185,000 $16,725 7.38%
JOHNSON CITY, TN (FHA|USDA|VA) 2 $370,000 $185,000 $12,425 6.44%
MADISON, WI (FHA|USDA|VA) 2 $370,000 $185,000 $13,972 7.19%
YAKIMA, WA (FHA|USDA|VA) 2 $360,000 $180,000 $12,045 7.38%
Sandusky, OH (FHA|USDA|VA) 4 $360,000 $90,000 $7,853 6.97%
Richmond-Berea, KY (FHA|USDA|VA) 2 $360,000 $180,000 $12,354 6.88%
Waycross, GA (FHA|USDA|VA) 1 $355,000 $355,000 $25,925 6.63%
Frankfort, KY (FHA|USDA|VA) 2 $350,000 $175,000 $11,684 7.25%
Hermiston-Pendleton, OR (FHA|USDA|VA) 2 $350,000 $175,000 $14,809 7.25%
SALEM, OR (FHA|USDA|VA) 1 $345,000 $345,000 $26,218 7.25%
Paducah, KY-IL (FHA|USDA|VA) 2 $340,000 $170,000 $11,789 7.00%
Burley, ID (FHA|USDA|VA) 2 $340,000 $170,000 $14,070 6.69%
RACINE, WI (FHA|USDA|VA) 2 $340,000 $170,000 $11,747 7.19%
GREEN BAY, WI (FHA|USDA|VA) 2 $340,000 $170,000 $12,682 6.75%
BOWLING GREEN, KY (FHA|USDA|VA) 3 $335,000 $111,667 $6,186 6.71%
Seneca, SC (FHA|USDA|VA) 2 $330,000 $165,000 $11,784 7.63%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $330,000 $165,000 $12,511 6.75%
PANAMA CITY, FL (FHA|USDA|VA) 2 $330,000 $165,000 $13,425 7.13%
BOULDER, CO (FHA|USDA|VA) 1 $325,000 $325,000 $23,934 6.75%
Murray, KY (FHA|USDA|VA) 2 $320,000 $160,000 $7,631 7.19%
Red Wing, MN (FHA|USDA|VA) 1 $315,000 $315,000 $23,068 6.75%
Angola, IN (FHA|USDA|VA) 3 $315,000 $105,000 $8,686 6.83%
MERCED, CA (FHA|USDA|VA) 1 $315,000 $315,000 $17,643 6.75%
Elko, NV (FHA|USDA|VA) 1 $305,000 $305,000 $21,883 7.25%
EL CENTRO, CA (FHA|USDA|VA) 1 $305,000 $305,000 $17,980 7.00%
JONESBORO, AR (FHA|USDA|VA) 3 $305,000 $101,667 $9,307 7.21%
Port Angeles, WA (FHA|USDA|VA) 1 $305,000 $305,000 $22,942 7.75%
Crescent City, CA (FHA|USDA|VA) 1 $305,000 $305,000 $18,649 6.75%
APPLETON, WI (FHA|USDA|VA) 2 $300,000 $150,000 $11,512 7.00%
ROCHESTER, MN (FHA|USDA|VA) 2 $300,000 $150,000 $12,188 7.00%
Thomasville, GA (FHA|USDA|VA) 2 $300,000 $150,000 $10,895 7.00%
Seymour, IN (FHA|USDA|VA) 2 $300,000 $150,000 $9,915 7.19%
Chillicothe, OH (FHA|USDA|VA) 2 $300,000 $150,000 $12,383 7.75%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $295,000 $295,000 $7,978 7.63%
GREENVILLE, NC (FHA|USDA|VA) 2 $290,000 $145,000 $10,671 6.69%
Wapakoneta, OH (FHA|USDA|VA) 2 $290,000 $145,000 $10,850 7.06%
Sandpoint, ID (FHA|USDA|VA) 2 $290,000 $145,000 $12,457 6.69%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 2 $290,000 $145,000 $11,337 7.31%
BRUNSWICK, GA (FHA|USDA|VA) 2 $290,000 $145,000 $10,557 6.94%
TEXARKANA, TX-AR (FHA|USDA|VA) 2 $290,000 $145,000 $15,325 6.94%
LYNCHBURG, VA (FHA|USDA|VA) 2 $290,000 $145,000 $12,051 7.50%
FARMINGTON, NM (FHA|USDA|VA) 1 $285,000 $285,000 $21,364 6.75%
Torrington, CT (FHA|USDA|VA) 1 $285,000 $285,000 $20,366 6.63%
Lumberton, NC (FHA|USDA|VA) 2 $280,000 $140,000 $11,106 6.38%
FOND DU LAC, WI (FHA|USDA|VA) 2 $280,000 $140,000 $9,393 6.75%
Jasper, IN (FHA|USDA|VA) 2 $280,000 $140,000 $11,394 7.13%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $280,000 $140,000 $10,829 7.25%
COLUMBUS, GA-AL (FHA|USDA|VA) 3 $275,000 $91,667 $7,803 7.04%
Natchitoches, LA (FHA|USDA|VA) 1 $275,000 $275,000 $16,351 7.00%
Traverse City, MI (FHA|USDA|VA) 1 $275,000 $275,000 $20,485 7.75%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $275,000 $275,000 $17,403 6.75%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $275,000 $275,000 $20,219 6.75%
FORT WAYNE, IN (FHA|USDA|VA) 2 $270,000 $135,000 $11,355 7.19%
Shelbyville, TN (FHA|USDA|VA) 2 $270,000 $135,000 $11,776 7.25%
Oak Harbor, WA (FHA|USDA|VA) 1 $265,000 $265,000 $15,071 6.63%
Celina, OH (FHA|USDA|VA) 1 $255,000 $255,000 $11,985 6.63%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $255,000 $255,000 $14,949 7.63%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $255,000 $255,000 $19,210 6.75%
Sturgis, MI (FHA|USDA|VA) 2 $250,000 $125,000 $10,467 7.13%
ROANOKE, VA (FHA|USDA|VA) 2 $250,000 $125,000 $10,485 7.25%
Ashtabula, OH (FHA|USDA|VA) 2 $250,000 $125,000 $10,581 6.44%
Wauchula, FL (FHA|USDA|VA) 1 $245,000 $245,000 $18,794 7.00%
Warsaw, IN (FHA|USDA|VA) 1 $245,000 $245,000 $18,404 6.75%
Mount Vernon, OH (FHA|USDA|VA) 2 $240,000 $120,000 $10,393 7.19%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 2 $240,000 $120,000 $9,868 6.94%
LIMA, OH (FHA|USDA|VA) 2 $240,000 $120,000 $10,253 7.00%
Salem, OH (FHA|USDA|VA) 2 $240,000 $120,000 $7,275 7.06%
Dyersburg, TN (FHA|USDA|VA) 2 $240,000 $120,000 $9,825 7.25%
Albertville, AL (FHA|USDA|VA) 2 $240,000 $120,000 $9,385 7.13%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $235,000 $235,000 $16,907 6.75%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $235,000 $235,000 $17,131 6.63%
Outside of Metro Areas 1 $235,000 $235,000 $13,728 6.63%
ANN ARBOR, MI (FHA|USDA|VA) 2 $230,000 $115,000 $10,165 7.19%
Marion, IN (FHA|USDA|VA) 2 $230,000 $115,000 $10,014 6.75%
Searcy, AR (FHA|USDA|VA) 1 $225,000 $225,000 $4,723 6.88%
PITTSFIELD, MA (FHA|USDA|VA) 1 $225,000 $225,000 $17,015 7.75%
Beaver Dam, WI (FHA|USDA|VA) 1 $225,000 $225,000 $16,866 7.25%
Pittsburg, KS (FHA|USDA|VA) 1 $225,000 $225,000 $16,285 7.25%
North Wilkesboro, NC (FHA|USDA|VA) 2 $220,000 $110,000 $9,532 6.44%
Warrensburg, MO (FHA|USDA|VA) 1 $215,000 $215,000 $16,478 7.50%
Safford, AZ (FHA|USDA|VA) 1 $215,000 $215,000 $16,232 7.75%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $215,000 $215,000 $15,983 7.25%
Brainerd, MN (FHA|USDA|VA) 1 $215,000 $215,000 $16,261 6.75%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $215,000 $215,000 $15,885 7.00%
New Castle, PA (FHA|USDA|VA) 2 $210,000 $105,000 $10,075 7.00%
KOKOMO, IN (FHA|USDA|VA) 2 $210,000 $105,000 $9,497 6.63%
JOPLIN, MO (FHA|USDA|VA) 2 $210,000 $105,000 $9,241 7.31%
DULUTH, MN-WI (FHA|USDA|VA) 1 $205,000 $205,000 $11,921 7.25%
Rockingham, NC (FHA|USDA|VA) 1 $205,000 $205,000 $11,820 6.88%
Washington, IN (FHA|USDA|VA) 2 $200,000 $100,000 $8,040 7.06%
MANSFIELD, OH (FHA|USDA|VA) 2 $200,000 $100,000 $7,337 6.69%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $195,000 $195,000 $12,567 7.00%
Milledgeville, GA (FHA|USDA|VA) 1 $195,000 $195,000 $13,897 7.25%
Morehead City, NC (FHA|USDA|VA) 1 $195,000 $195,000 $15,225 7.25%
Roswell, NM (FHA|USDA|VA) 1 $195,000 $195,000 $15,093 7.25%
DOTHAN, AL (FHA|USDA|VA) 1 $195,000 $195,000 $14,915 6.75%
Cullman, AL (FHA|USDA|VA) 1 $195,000 $195,000 $14,345 6.75%
Camden, AR (FHA|USDA|VA) 1 $195,000 $195,000 $14,912 7.75%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $195,000 $195,000 $14,846 7.25%
Shelby, NC (FHA|USDA|VA) 2 $190,000 $95,000 $7,904 6.88%
LAS CRUCES, NM (FHA|USDA|VA) 1 $185,000 $185,000 $13,805 7.25%
Sevierville, TN (FHA|USDA|VA) 1 $185,000 $185,000 $13,704 6.75%
TWIN FALLS, ID (FHA|USDA|VA) 1 $185,000 $185,000 $14,853 7.75%
Gaffney, SC (FHA|USDA|VA) 1 $185,000 $185,000 $13,223 7.00%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $185,000 $185,000 $14,316 6.63%
MONROE, LA (FHA|USDA|VA) 1 $185,000 $185,000 $14,429 7.25%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $185,000 $185,000 $14,049 6.75%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $185,000 $185,000 $11,340 6.75%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $185,000 $185,000 $12,096 6.63%
WILLIAMSPORT, PA (FHA|USDA|VA) 2 $180,000 $90,000 $9,008 6.94%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $175,000 $175,000 $12,290 6.75%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $175,000 $175,000 $13,811 6.75%
Bemidji, MN (FHA|USDA|VA) 1 $175,000 $175,000 $13,013 7.75%
Zanesville, OH (FHA|USDA|VA) 1 $175,000 $175,000 $13,494 7.25%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $175,000 $175,000 $13,145 7.50%
Arkadelphia, AR (FHA|USDA|VA) 1 $175,000 $175,000 $7,589 7.00%
Lewistown, PA (FHA|USDA|VA) 1 $175,000 $175,000 $14,180 7.00%
Findlay, OH (FHA|USDA|VA) 1 $165,000 $165,000 $12,941 7.75%
Blackfoot, ID (FHA|USDA|VA) 1 $165,000 $165,000 $13,975 7.75%
Fergus Falls, MN (FHA|USDA|VA) 1 $165,000 $165,000 $12,881 6.75%
Athens, TN (FHA|USDA|VA) 1 $165,000 $165,000 $12,995 6.75%
KANKAKEE, IL (FHA|USDA|VA) 1 $165,000 $165,000 $11,414 7.13%
Coldwater, MI (FHA|USDA|VA) 1 $165,000 $165,000 $6,251 7.13%
Vincennes, IN (FHA|USDA|VA) 1 $165,000 $165,000 $12,800 6.75%
Fitzgerald, GA (FHA|USDA|VA) 1 $165,000 $165,000 $12,196 6.75%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $155,000 $155,000 $12,195 6.75%
LONGVIEW, WA (FHA|USDA|VA) 1 $155,000 $155,000 $12,683 6.75%
Jesup, GA (FHA|USDA|VA) 1 $155,000 $155,000 $12,164 6.75%
HINESVILLE, GA (FHA|USDA|VA) 1 $155,000 $155,000 $11,431 6.63%
Kinston, NC (FHA|USDA|VA) 1 $155,000 $155,000 $12,139 6.63%
Wahpeton, ND-MN (FHA|USDA|VA) 1 $155,000 $155,000 $11,829 6.63%
El Dorado, AR (FHA|USDA|VA) 1 $155,000 $155,000 $11,898 6.75%
Russellville, AR (FHA|USDA|VA) 1 $155,000 $155,000 $11,842 6.75%
Palatka, FL (FHA|USDA|VA) 2 $150,000 $75,000 $7,178 7.00%
Alma, MI (FHA|USDA|VA) 1 $145,000 $145,000 $10,269 6.75%
Bellefontaine, OH (FHA|USDA|VA) 1 $145,000 $145,000 $11,107 6.63%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $145,000 $145,000 $5,759 6.63%
Logansport, IN (FHA|USDA|VA) 1 $145,000 $145,000 $8,557 6.63%
Cedartown, GA (FHA|USDA|VA) 1 $145,000 $145,000 $10,395 6.50%
Calhoun, GA (FHA|USDA|VA) 1 $145,000 $145,000 $10,550 6.63%
Quincy, IL-MO (FHA|USDA|VA) 1 $145,000 $145,000 $8,531 7.25%
Branson, MO (FHA|USDA|VA) 1 $145,000 $145,000 $11,576 6.75%
Peru, IN (FHA|USDA|VA) 1 $145,000 $145,000 $10,809 6.75%
Maryville, MO (FHA|USDA|VA) 1 $135,000 $135,000 $9,687 6.75%
Fort Leonard Wood, MO (FHA|USDA|VA) 1 $135,000 $135,000 $10,748 7.75%
Lebanon, MO (FHA|USDA|VA) 1 $135,000 $135,000 $10,794 7.63%
Greenville, OH (FHA|USDA|VA) 1 $135,000 $135,000 $10,649 6.75%
MADERA, CA (FHA|USDA|VA) 1 $135,000 $135,000 $8,929 7.50%
Bardstown, KY (FHA|USDA|VA) 1 $135,000 $135,000 $9,759 7.25%
Poplar Bluff, MO (FHA|USDA|VA) 1 $135,000 $135,000 $10,249 6.75%
MONTGOMERY, AL (FHA|USDA|VA) 1 $135,000 $135,000 $10,395 6.63%
Central City, KY (FHA|USDA|VA) 1 $135,000 $135,000 $8,434 7.63%
TOPEKA, KS (FHA|USDA|VA) 1 $135,000 $135,000 $11,027 7.75%
Jackson, OH (FHA|USDA|VA) 1 $125,000 $125,000 $10,469 6.88%
Meadville, PA (FHA|USDA|VA) 1 $125,000 $125,000 $11,064 6.75%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $125,000 $125,000 $9,413 6.75%
Danville, VA (FHA|USDA|VA) 1 $125,000 $125,000 $7,377 6.63%
Marinette, WI-MI (FHA|USDA|VA) 1 $125,000 $125,000 $8,324 6.63%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $125,000 $125,000 $10,312 6.75%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $125,000 $125,000 $10,431 6.75%
Newport, TN (FHA|USDA|VA) 1 $125,000 $125,000 $10,083 7.25%
McPherson, KS (FHA|USDA|VA) 1 $125,000 $125,000 $10,022 6.75%
ALTOONA, PA (FHA|USDA|VA) 1 $125,000 $125,000 $9,028 7.75%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $125,000 $125,000 $11,078 7.25%
Jacksonville, IL (FHA|USDA|VA) 1 $125,000 $125,000 $7,278 7.50%
Cambridge, OH (FHA|USDA|VA) 1 $115,000 $115,000 $7,729 6.88%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $115,000 $115,000 $10,050 6.75%
SANTA FE, NM (FHA|USDA|VA) 1 $115,000 $115,000 $8,604 7.88%
Centralia, WA (FHA|USDA|VA) 1 $115,000 $115,000 $8,562 7.13%
Sidney, OH (FHA|USDA|VA) 1 $115,000 $115,000 $9,910 6.63%
Sunbury, PA (FHA|USDA|VA) 1 $115,000 $115,000 $11,088 7.25%
LaGrange, GA-AL (FHA|USDA|VA) 1 $115,000 $115,000 $10,449 7.00%
Martin, TN (FHA|USDA|VA) 1 $105,000 $105,000 $10,480 6.75%
GADSDEN, AL (FHA|USDA|VA) 1 $105,000 $105,000 $8,932 7.25%
GOLDSBORO, NC (FHA|USDA|VA) 1 $105,000 $105,000 $8,740 6.25%
Malvern, AR (FHA|USDA|VA) 1 $105,000 $105,000 $6,363 7.25%
LEBANON, PA (FHA|USDA|VA) 1 $105,000 $105,000 $9,862 7.63%
Salina, KS (FHA|USDA|VA) 1 $105,000 $105,000 $9,261 7.75%
Portsmouth, OH (FHA|USDA|VA) 1 $105,000 $105,000 $9,427 6.75%
Indiana, PA (FHA|USDA|VA) 1 $105,000 $105,000 $10,383 7.75%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $105,000 $105,000 $9,960 7.00%
Jamestown, ND (FHA|USDA|VA) 1 $95,000 $95,000 $5,812 7.13%
McMinnville, TN (FHA|USDA|VA) 1 $95,000 $95,000 $9,220 6.63%
Marion, OH (FHA|USDA|VA) 1 $95,000 $95,000 $9,861 6.88%
THE VILLAGES, FL (FHA|USDA|VA) 1 $95,000 $95,000 $9,099 7.25%
DALTON, GA (FHA|USDA|VA) 1 $95,000 $95,000 $9,352 6.75%
Mayfield, KY (FHA|USDA|VA) 1 $95,000 $95,000 $7,272 6.75%
MANHATTAN, KS (FHA|USDA|VA) 1 $95,000 $95,000 $8,744 6.75%
Newberry, SC (FHA|USDA|VA) 1 $95,000 $95,000 $7,329 6.75%
Orangeburg, SC (FHA|USDA|VA) 1 $95,000 $95,000 $7,005 7.75%
Pahrump, NV (FHA|USDA|VA) 1 $95,000 $95,000 $9,042 6.88%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $95,000 $95,000 $8,529 6.75%
Escanaba, MI (FHA|USDA|VA) 1 $85,000 $85,000 $8,483 6.75%
Taylorville, IL (FHA|USDA|VA) 1 $85,000 $85,000 $6,401 7.50%
Eufaula, AL-GA (FHA|USDA|VA) 1 $85,000 $85,000 $7,989 7.50%
Somerset, PA (FHA|USDA|VA) 1 $85,000 $85,000 $10,664 7.25%
Marquette, MI (FHA|USDA|VA) 1 $85,000 $85,000 $9,199 7.75%
CHICO, CA (FHA|USDA|VA) 1 $85,000 $85,000 $5,739 6.88%
Marion, NC (FHA|USDA|VA) 1 $85,000 $85,000 $7,638 6.25%
Dayton, TN (FHA|USDA|VA) 1 $85,000 $85,000 $8,558 7.75%
Laurinburg, NC (FHA|USDA|VA) 1 $85,000 $85,000 $6,960 6.75%
Fremont, OH (FHA|USDA|VA) 1 $85,000 $85,000 $8,978 6.75%
Enterprise, AL (FHA|USDA|VA) 1 $85,000 $85,000 $7,655 7.25%
ROME, GA (FHA|USDA|VA) 1 $75,000 $75,000 $6,434 6.75%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $75,000 $75,000 $8,006 7.25%
Charleston-Mattoon, IL (FHA|USDA|VA) 1 $75,000 $75,000 $2,257 6.50%
Lincoln, IL (FHA|USDA|VA) 1 $75,000 $75,000 $5,059 6.75%
Fort Payne, AL (FHA|USDA|VA) 1 $75,000 $75,000 $6,852 7.50%
JOHNSTOWN, PA (FHA|USDA|VA) 1 $65,000 $65,000 $7,423 6.75%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $65,000 $65,000 $7,002 7.25%
DuBois, PA (FHA|USDA|VA) 1 $65,000 $65,000 $8,074 7.75%
Mountain Home, AR (FHA|USDA|VA) 1 $65,000 $65,000 $4,439 7.38%
Blytheville, AR (FHA|USDA|VA) 1 $65,000 $65,000 $6,819 6.75%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $65,000 $65,000 $5,592 7.00%
Clearlake, CA (FHA|USDA|VA) 1 $65,000 $65,000 $5,632 6.75%
Hays, KS (FHA|USDA|VA) 1 $65,000 $65,000 $6,487 7.25%
Kennett, MO (FHA|USDA|VA) 1 $65,000 $65,000 $6,837 7.38%
Parsons, KS (FHA|USDA|VA) 1 $55,000 $55,000 $4,894 7.38%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $55,000 $55,000 $6,892 6.75%
Top Flite Financial's top markets include Atlanta, Charlotte, Phoenix, Detroit, and Las Vegas among others.

Their top states include:
  • Florida (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
  • Georgia (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 1,926 $386,330,000 $200,587 $14,898 6.99%
    Conventional 398 $85,850,000 $215,704 $9,870 6.94%
    VA 108 $30,780,000 $285,000 $15,276 6.84%
    USDA 43 $5,985,000 $139,186 $7,774 6.73%

    For 2023, Top Flite Financial's most frequently originated type of loan was FHA, with 1,926 originations. Their 2nd most popular type was Conventional, with 398 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 1,675 $361,585,000 $215,872 $15,582 6.96%
    Home Purchase 590 $122,260,000 $207,220 $11,070 6.96%
    Home Improvement 198 $22,630,000 $114,293 $9,481 7.06%
    Refi 12 $2,470,000 $205,833 $11,462 7.02%

    For 2023, Top Flite Financial's most frequently cited loan purpose was Cash Out Refi, with 1,675 originations. The 2nd most popular reason was Home Purchase, with 590 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,424 $303,650,000 $213,237 $13,580 6.89%
    Other 1,036 $203,050,000 $195,994 $14,695 7.07%
    15 Year 12 $2,230,000 $185,833 $9,906 6.28%
    10 Year 3 $15,000 $5,000 $175 9.59%

    For 2023, Top Flite Financial's most frequently cited loan duration was 30 Year, with 1,424 originations. The 2nd most popular length was Other, with 1,036 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 2,023 $450,755,000 $222,815
    $4k-5k 162 $19,950,000 $123,148
    $3k-4k 110 $11,430,000 $103,909
    $2k-3k 86 $10,260,000 $119,302
    $1k-2k 56 $9,490,000 $169,464
    $<1k 19 $4,235,000 $222,895

    Top Flite Financial's average total fees were $13,580, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 2,023 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 1,488 $307,320,000 $206,532
    7-8% 936 $189,420,000 $202,372
    5-6% 38 $9,240,000 $243,158
    Over 8% 13 $2,965,000 $228,077

    During 2023, Top Flite Financial's average interest rate for loans was 6.89%, while their most frequently originated rate bucket for loans was 6-7%, with 1,488 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,118 $167,380,000 $149,714 $10,912 6.95%
    $200k-400k 836 $225,430,000 $269,653 $17,892 6.97%
    $100,000 or less 344 $27,090,000 $78,750 $7,211 7.04%
    $400k-600k 149 $67,835,000 $455,268 $27,448 6.90%
    $600k-1MM 25 $17,825,000 $713,000 $31,192 7.05%
    $1MM+ 3 $3,385,000 $1,128,333 $43,821 6.38%

    2023 saw Top Flite Financial place emphasis on $100k-200k loans with 1,118 originations, totaling $167,380,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 734 $123,860,000 $168,747 $12,151 6.93%
    $50k or less 529 $61,395,000 $116,059 $9,140 6.96%
    $100k-150k 495 $132,735,000 $268,152 $17,759 7.02%
    $75k-100k 493 $104,305,000 $211,572 $14,286 6.96%
    $150k-250k 192 $69,490,000 $361,927 $22,288 6.98%
    $250k+ 32 $17,160,000 $536,250 $27,876 7.07%

    Top Flite Financial lent most frequently to those with incomes in the $50k-75k range, with 734 originations. The second most popular income band? $50k or less, with 529 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 567 $121,655,000 $214,559 $15,577 6.96%
    30-36% 343 $70,745,000 $206,254 $13,850 6.92%
    20-30% 319 $56,585,000 $177,382 $12,335 7.00%
    49% 102 $23,050,000 $225,980 $15,300 7.00%
    38% 99 $18,265,000 $184,495 $12,558 6.96%
    43% 97 $22,055,000 $227,371 $14,531 6.90%
    42% 96 $20,520,000 $213,750 $14,143 7.02%
    45% 94 $21,080,000 $224,255 $14,192 6.95%
    46% 89 $17,895,000 $201,067 $13,446 7.00%
    44% 88 $17,340,000 $197,045 $13,259 7.02%
    41% 86 $19,860,000 $230,930 $14,960 7.04%
    39% 86 $16,480,000 $191,628 $12,966 7.00%
    47% 84 $21,100,000 $251,190 $16,617 6.94%
    48% 78 $14,300,000 $183,333 $12,581 6.94%
    40% 77 $17,925,000 $232,792 $14,075 6.95%
    37% 70 $13,180,000 $188,286 $12,837 7.03%
    36% 51 $8,735,000 $171,275 $11,530 6.85%
    <20% 45 $6,615,000 $147,000 $10,014 7.04%
    >60% 4 $1,560,000 $390,000 $24,941 6.97%

    Top Flite Financial lent most frequently to those with DTI ratios of 50-60%, with 567 originations. The next most common DTI ratio? 30-36%, with 343 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,951 $395,135,000 $202,529 $13,754 6.98%
    Black 326 $65,870,000 $202,055 $14,365 6.93%
    Not provided 112 $23,520,000 $210,000 $14,334 6.85%
    Asian 40 $11,260,000 $281,500 $16,909 6.93%
    American Indian 31 $8,295,000 $267,581 $19,040 6.92%
    Other Asian 3 $1,185,000 $395,000 $26,558 6.71%
    Native Hawaiian or Islander 4 $870,000 $217,500 $16,641 7.25%
    Asian Indian 2 $850,000 $425,000 $22,436 7.00%
    Native Hawaiian 2 $580,000 $290,000 $21,776 6.75%
    Other Pacific Islander 2 $580,000 $290,000 $13,783 7.00%
    Samoan 1 $515,000 $515,000 $25,982 6.63%
    Filipino 1 $285,000 $285,000 $11,994 7.13%

    Approval Rates

    Total approvals of all applications
    89.43%

    Top Flite Financial has an average approval rate.

    Pick Rate

    Approvals leading to origination
    15.35%

    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 2,475 $508,945,000 $205,634

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,475 $508,945,000 $205,634

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 217 $25,405,000 $117,074 $9,180 6.97%
    40-60% 436 $72,470,000 $166,216 $11,668 6.98%
    60-80% 1,009 $216,675,000 $214,742 $15,355 6.99%
    80-100% 762 $187,920,000 $246,614 $15,329 6.92%
    Over 100% 11 $3,285,000 $298,636 $15,467 6.92%
    Under 20% 40 $3,190,000 $79,750 $6,905 7.17%