Top Flite Financial Mortgage Rates, Fees & Info
WILLIAMSTON, MILEI: 54930030Z1JWTP3SVD16
Tax ID: 13-4225190
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Mortgage Data
Review & Overview
Top Flite Financial is a smaller mortgage company specializing in Home Purchase loans. Top Flite Financial has a high proportion of conventional loans. They have a a high proportion of FHA loans. Their top markets by origination volume include: Chicago, Phoenix, Cleveland, Seattle, and Grand Rapids among others. We have data for 176 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 an average 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 about average 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% | 4/18/24 |
| 30 Year Conventional Refi | 7.00% | 4/18/24 |
| 30 Year Cash-out Refi | 6.97% | 4/18/24 |
| 30 Year FHA Purchase | 7.70% | 4/18/24 |
| 30 Year FHA Refi | 7.70% | 4/18/24 |
| 30 Year VA Purchase | 6.85% | 4/18/24 |
| 30 Year VA Refi | 6.27% | 4/18/24 |
| 30 Year USDA Purchase | 7.25% | 4/18/24 |
| 15 Year Conventional Purchase | 6.77% | 4/18/24 |
| 15 Year Conventional Refi | 6.61% | 4/18/24 |
| 15 Year Cash-out Refi | 6.61% | 4/18/24 |
| 15 Year FHA Purchase | 7.00% | 4/18/24 |
| 15 Year FHA Refi | 5.68% | 4/18/24 |
| 15 Year VA Purchase | 5.68% | 4/18/24 |
| 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
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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
1,772Origination Dollar Volume (All Markets)
$327,540,000Awards
TOP FLITE FINANCIAL - 2018
TOP FLITE FINANCIAL is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 323 | $63,005,000 | $195,062 | $6,831 | 5.01% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 128 | $26,200,000 | $204,688 | $6,870 | 5.15% |
| Outside of Metro Areas | 129 | $14,775,000 | $114,535 | $4,852 | 5.07% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 81 | $13,415,000 | $165,617 | $6,530 | 4.83% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 32 | $11,680,000 | $365,000 | $7,478 | 5.14% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 72 | $10,760,000 | $149,444 | $5,616 | 5.00% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 60 | $10,150,000 | $169,167 | $5,703 | 5.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 24 | $9,610,000 | $400,417 | $13,765 | 5.08% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 29 | $9,075,000 | $312,931 | $11,289 | 4.91% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 34 | $7,010,000 | $206,176 | $6,470 | 5.11% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 33 | $6,035,000 | $182,879 | $5,227 | 4.89% |
| AKRON, OH (FHA|USDA|VA) | 40 | $5,970,000 | $149,250 | $5,829 | 4.90% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 34 | $4,970,000 | $146,176 | $4,539 | 5.30% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 9 | $4,955,000 | $550,556 | $17,811 | 5.04% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 39 | $4,755,000 | $121,923 | $4,810 | 5.07% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 17 | $4,635,000 | $272,647 | $10,050 | 5.00% |
| Madisonville, KY (FHA|USDA|VA) | 32 | $4,420,000 | $138,125 | $5,287 | 5.08% |
| Wooster, OH (FHA|USDA|VA) | 30 | $4,400,000 | $146,667 | $5,997 | 4.91% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 9 | $4,195,000 | $466,111 | $17,442 | 5.14% |
| Big Rapids, MI (FHA|USDA|VA) | 33 | $3,495,000 | $105,909 | $4,956 | 4.97% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 6 | $3,450,000 | $575,000 | $17,628 | 5.08% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 11 | $3,165,000 | $287,727 | $9,514 | 5.05% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 29 | $3,135,000 | $108,103 | $4,624 | 4.97% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 17 | $2,695,000 | $158,529 | $6,159 | 5.01% |
| Ashtabula, OH (FHA|USDA|VA) | 23 | $2,695,000 | $117,174 | $4,937 | 4.96% |
| JACKSON, MS (FHA|USDA|VA) | 16 | $2,680,000 | $167,500 | $7,754 | 5.30% |
| KANKAKEE, IL (FHA|USDA|VA) | 17 | $2,625,000 | $154,412 | $4,556 | 4.98% |
| London, KY (FHA|USDA|VA) | 21 | $2,475,000 | $117,857 | $4,538 | 5.00% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 15 | $2,435,000 | $162,333 | $7,260 | 5.01% |
| KNOXVILLE, TN (FHA|USDA|VA) | 16 | $2,200,000 | $137,500 | $6,668 | 5.15% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 8 | $2,050,000 | $256,250 | $10,202 | 4.98% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 7 | $2,025,000 | $289,286 | $5,767 | 4.88% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 6 | $1,990,000 | $331,667 | $12,478 | 4.92% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 8 | $1,860,000 | $232,500 | $9,871 | 5.28% |
| TYLER, TX (FHA|USDA|VA) | 7 | $1,855,000 | $265,000 | $7,521 | 4.98% |
| TUCSON, AZ (FHA|USDA|VA) | 11 | $1,805,000 | $164,091 | $6,005 | 5.39% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 11 | $1,705,000 | $155,000 | $6,511 | 5.17% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 6 | $1,560,000 | $260,000 | $8,571 | 5.40% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 7 | $1,555,000 | $222,143 | $6,540 | 5.14% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 8 | $1,540,000 | $192,500 | $6,229 | 4.97% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 7 | $1,495,000 | $213,571 | $7,289 | 5.20% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 6 | $1,480,000 | $246,667 | $12,360 | 5.10% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 7 | $1,355,000 | $193,571 | $7,937 | 5.23% |
| SPARTANBURG, SC (FHA|USDA|VA) | 7 | $1,295,000 | $185,000 | $7,674 | 5.32% |
| JACKSON, MI (FHA|USDA|VA) | 11 | $1,265,000 | $115,000 | $5,385 | 5.28% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $18,602 | 4.84% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 10 | $1,170,000 | $117,000 | $4,525 | 4.96% |
| Logansport, IN (FHA|USDA|VA) | 11 | $1,105,000 | $100,455 | $3,286 | 5.05% |
| SALEM, OR (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $11,093 | 5.13% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 3 | $1,085,000 | $361,667 | $12,846 | 5.21% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 4 | $1,080,000 | $270,000 | $6,706 | 4.72% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 8 | $1,040,000 | $130,000 | $4,234 | 4.66% |
| OWENSBORO, KY (FHA|USDA|VA) | 7 | $1,035,000 | $147,857 | $6,049 | 5.16% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $13,348 | 4.58% |
| Adrian, MI (FHA|USDA|VA) | 7 | $995,000 | $142,143 | $4,928 | 5.16% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 8 | $920,000 | $115,000 | $5,084 | 4.98% |
| ANN ARBOR, MI (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $6,765 | 4.92% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $9,532 | 4.97% |
| Salem, OH (FHA|USDA|VA) | 6 | $850,000 | $141,667 | $4,667 | 5.19% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $14,427 | 5.50% |
| MORRISTOWN, TN (FHA|USDA|VA) | 5 | $745,000 | $149,000 | $6,867 | 4.95% |
| FORT WAYNE, IN (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $10,046 | 4.46% |
| Jacksonville, IL (FHA|USDA|VA) | 8 | $720,000 | $90,000 | $3,863 | 5.08% |
| AMARILLO, TX (FHA|USDA|VA) | 5 | $705,000 | $141,000 | $5,659 | 5.23% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $5,638 | 5.08% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $10,889 | 5.29% |
| Middlesborough, KY (FHA|USDA|VA) | 6 | $690,000 | $115,000 | $5,680 | 5.02% |
| Iron Mountain, MI-WI (FHA|USDA|VA) | 5 | $685,000 | $137,000 | $2,821 | 4.83% |
| STOCKTON, CA (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $8,349 | 5.04% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $8,499 | 4.69% |
| Holland, MI (FHA|USDA|VA) | 6 | $660,000 | $110,000 | $5,181 | 5.23% |
| Peru, IN (FHA|USDA|VA) | 6 | $660,000 | $110,000 | $3,071 | 4.92% |
| Traverse City, MI (FHA|USDA|VA) | 4 | $620,000 | $155,000 | $5,667 | 5.09% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $11,751 | 5.19% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $4,582 | 4.79% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $6,776 | 5.13% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $7,899 | 5.00% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $4,199 | 5.16% |
| BANGOR, ME (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $6,104 | 4.83% |
| Sault Ste. Marie, MI (FHA|USDA|VA) | 5 | $555,000 | $111,000 | $5,490 | 4.88% |
| Clearlake, CA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $10,196 | 4.50% |
| Paducah, KY-IL (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $5,870 | 5.13% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $5,875 | 4.94% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,667 | 4.94% |
| Athens, TX (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $10,752 | 4.88% |
| MUSKEGON, MI (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $4,188 | 5.17% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $12,385 | 5.38% |
| Outside of Metro Areas | 2 | $440,000 | $220,000 | $7,032 | 5.44% |
| FLINT, MI (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $7,061 | 4.96% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $7,015 | 5.00% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $4,092 | 5.38% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $6,321 | 5.56% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $7,896 | 5.19% |
| NILES, MI (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $4,914 | 5.17% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,225 | 5.25% |
| Branson, MO (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $4,216 | 5.00% |
| OCALA, FL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $7,733 | 5.88% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,614 | 5.31% |
| Blytheville, AR (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $6,585 | 4.50% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $6,663 | 5.19% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $10,114 | 5.13% |
| Whitewater, WI (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,990 | 5.19% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $5,868 | 5.75% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $8,766 | 5.00% |
| Ashland, OH (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $6,964 | 5.13% |
| Paragould, AR (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $4,395 | 4.92% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $7,594 | 5.38% |
| Hillsdale, MI (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $5,158 | 5.06% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $10,066 | 3.88% |
| Glasgow, KY (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,634 | 5.00% |
| MADERA, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $16,015 | 5.38% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,116 | 4.63% |
| AMES, IA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,275 | 5.25% |
| Pullman, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,159 | 5.75% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $7,990 | 5.13% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $14,720 | 5.00% |
| Greenwood, SC (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $6,405 | 5.50% |
| Granbury, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,548 | 4.88% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $13,055 | 4.38% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,814 | 5.13% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $4,241 | 4.56% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $6,974 | 4.44% |
| Shelton, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,175 | 5.00% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $10,362 | 5.38% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,495 | 5.00% |
| Pontiac, IL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,494 | 4.50% |
| Murray, KY (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $4,188 | 4.94% |
| Hereford, TX (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $6,066 | 4.69% |
| BEND, OR (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $14,044 | 4.63% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,850 | 4.88% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $12,053 | 4.50% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,646 | 4.75% |
| Brenham, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,617 | 4.75% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,088 | 4.75% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,944 | 5.25% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $4,194 | 4.94% |
| Mayfield, KY (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $5,130 | 5.44% |
| Alice, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,687 | 5.25% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,376 | 4.75% |
| Newberry, SC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $11,219 | 5.25% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,751 | 5.38% |
| BISMARCK, ND (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,762 | 4.63% |
| CHICO, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,290 | 5.25% |
| Sidney, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,137 | 4.75% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,436 | 4.75% |
| Celina, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,285 | 5.00% |
| Safford, AZ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,968 | 5.13% |
| REDDING, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,258 | 5.25% |
| Rolla, MO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,726 | 4.38% |
| Moberly, MO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,312 | 5.25% |
| Ludington, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,870 | 5.25% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,939 | 5.50% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,796 | 5.13% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,634 | 5.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,731 | 4.88% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $9,381 | 4.50% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,252 | 5.25% |
| Pella, IA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,965 | 5.38% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,999 | 5.75% |
| Somerset, KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,817 | 4.88% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,206 | 6.63% |
| Kennett, MO (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,001 | 5.00% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,406 | 5.75% |
| Mount Pleasant, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,153 | 4.88% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,406 | 4.75% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,100 | 5.50% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,144 | 4.88% |
| PINE BLUFF, AR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,796 | 5.25% |
| Torrington, CT (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,512 | 5.88% |
| Marinette, WI-MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,447 | 5.25% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,807 | 5.00% |
| Auburn, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,793 | 4.88% |
| DANVILLE, IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,411 | 5.00% |
| Coldwater, MI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $5,467 | 5.50% |
| Cadillac, MI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,243 | 5.00% |
| New Castle, PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,392 | 5.38% |
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We use machine learning to identify the top lenders compared against TOP FLITE FINANCIAL based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2018, Top Flite Financial's most frequently originated type of loan was Conventional, with 810 originations. Their 2nd most popular type was FHA, with 595 originations.
Loan Reason
For 2018, Top Flite Financial's most frequently cited loan purpose was Home Purchase, with 1,339 originations. The 2nd most popular reason was Refi, with 239 originations.
Loan Duration/Length
For 2018, Top Flite Financial's most frequently cited loan duration was 30 Year, with 1,682 originations. The 2nd most popular length was 15 Year, with 44 originations.
Origination Fees/Closing Costs
Top Flite Financial's average total fees were $6,639, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 621 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 952 | $182,990,000 | $192,216 |
| 5-6% | 775 | $137,335,000 | $177,206 |
| 6-7% | 22 | $4,440,000 | $201,818 |
| 3-4% | 16 | $2,730,000 | $170,625 |
| <2.5% | 1 | $5,000 | $5,000 |
During 2018, Top Flite Financial's average interest rate for loans was 5.05%, while their most frequently originated rate bucket for loans was 4-5%, with 952 originations.
Loan Sizing
2018 saw Top Flite Financial place emphasis on $100k-200k loans with 826 originations, totaling $121,340,000 in origination value.
Applicant Income
Top Flite Financial lent most frequently to those with incomes in the $50k or less range, with 590 originations. The second most popular income band? $50k-75k, with 538 originations.
Applicant Debt to Income Ratio
Top Flite Financial lent most frequently to those with DTI ratios of 30-36%, with 323 originations. The next most common DTI ratio? 20-30%, with 238 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.68%
Top Flite Financial has an average approval rate.
Pick Rate
Approvals leading to origination-171.78%
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 | 1,772 | $327,540,000 | $184,842 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 82 | $9,660,000 | $117,805 |
| Single Family (1-4 Units):Site-Built | 1,690 | $317,880,000 | $188,095 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| TOP FLITE FINANCIAL INC | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |