Top Flite Financial Mortgage Rates, Fees & Info

WILLIAMSTON, MI

LEI: 54930030Z1JWTP3SVD16

Tax ID: 13-4225190

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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    • Review & Overview

    Top Flite Financial is a smaller mortgage company specializing in Home Purchase and Cash Out Refi loans. Top Flite Financial has a high proportion of conventional loans. They have a a high proportion of FHA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Seattle, Phoenix, Los Angeles, Chicago, and Grand Rapids among others. We have data for 213 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 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% 12/16/24
    30 Year Conventional Refi 7.00% 12/16/24
    30 Year Cash-out Refi 6.97% 12/16/24
    30 Year FHA Purchase 7.70% 12/16/24
    30 Year FHA Refi 7.70% 12/16/24
    30 Year VA Purchase 6.85% 12/16/24
    30 Year VA Refi 6.27% 12/16/24
    30 Year USDA Purchase 7.25% 12/16/24
    15 Year Conventional Purchase 6.77% 12/16/24
    15 Year Conventional Refi 6.61% 12/16/24
    15 Year Cash-out Refi 6.61% 12/16/24
    15 Year FHA Purchase 7.00% 12/16/24
    15 Year FHA Refi 5.68% 12/16/24
    15 Year VA Purchase 5.68% 12/16/24
    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

    1,862

    Origination Dollar Volume (All Markets)

    $385,900,000
    Show all (7) awards

    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
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 115 $41,605,000 $361,783 $10,001 4.02%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 148 $32,830,000 $221,824 $6,414 4.69%
    Outside of Metro Areas 132 $18,690,000 $141,591 $5,468 4.65%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 40 $17,500,000 $437,500 $15,804 4.26%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 79 $15,335,000 $194,114 $6,765 4.83%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 66 $11,050,000 $167,424 $5,653 4.48%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 52 $9,300,000 $178,846 $5,807 4.43%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 56 $9,090,000 $162,321 $5,411 4.51%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 30 $9,080,000 $302,667 $11,750 4.22%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 18 $8,650,000 $480,556 $18,020 4.31%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 33 $6,975,000 $211,364 $9,839 4.00%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 24 $6,830,000 $284,583 $13,141 4.41%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 21 $6,785,000 $323,095 $14,227 4.40%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 22 $6,470,000 $294,091 $13,028 4.18%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 15 $6,335,000 $422,333 $14,287 4.36%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 37 $6,265,000 $169,324 $6,835 4.47%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 24 $5,470,000 $227,917 $10,279 4.19%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 29 $5,325,000 $183,621 $4,339 4.55%
    AKRON, OH (FHA|USDA|VA) 33 $4,635,000 $140,455 $5,365 4.50%
    Big Rapids, MI (FHA|USDA|VA) 42 $4,450,000 $105,952 $4,688 4.64%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 18 $4,350,000 $241,667 $7,252 4.19%
    KNOXVILLE, TN (FHA|USDA|VA) 19 $4,285,000 $225,526 $7,845 4.67%
    Madisonville, KY (FHA|USDA|VA) 33 $3,915,000 $118,636 $4,709 4.58%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 24 $3,900,000 $162,500 $4,947 4.62%
    Wooster, OH (FHA|USDA|VA) 24 $3,700,000 $154,167 $5,993 4.34%
    VALLEJO, CA (FHA|USDA|VA) 10 $3,690,000 $369,000 $13,292 4.14%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 31 $3,685,000 $118,871 $5,253 4.38%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 6 $3,230,000 $538,333 $16,961 4.44%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 17 $3,165,000 $186,176 $10,102 4.17%
    FRESNO, CA (FHA|USDA|VA) 13 $3,135,000 $241,154 $7,326 4.01%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 15 $3,065,000 $204,333 $10,362 4.18%
    Holland, MI (FHA|USDA|VA) 19 $3,055,000 $160,789 $4,766 4.50%
    OWENSBORO, KY (FHA|USDA|VA) 23 $2,985,000 $129,783 $5,370 4.66%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 17 $2,795,000 $164,412 $9,056 4.27%
    London, KY (FHA|USDA|VA) 23 $2,705,000 $117,609 $4,685 4.63%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 15 $2,535,000 $169,000 $4,648 4.83%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 8 $2,390,000 $298,750 $14,440 4.45%
    Ashtabula, OH (FHA|USDA|VA) 20 $2,210,000 $110,500 $4,929 4.31%
    STOCKTON, CA (FHA|USDA|VA) 6 $2,050,000 $341,667 $15,971 4.33%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 13 $2,005,000 $154,231 $5,805 4.48%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 4 $1,940,000 $485,000 $17,776 4.13%
    Middlesborough, KY (FHA|USDA|VA) 17 $1,885,000 $110,882 $5,539 4.63%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 6 $1,860,000 $310,000 $7,480 4.10%
    SALEM, OR (FHA|USDA|VA) 6 $1,790,000 $298,333 $7,591 4.38%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 7 $1,785,000 $255,000 $10,102 4.29%
    TUCSON, AZ (FHA|USDA|VA) 12 $1,760,000 $146,667 $5,352 4.88%
    TYLER, TX (FHA|USDA|VA) 7 $1,685,000 $240,714 $4,517 4.88%
    AMARILLO, TX (FHA|USDA|VA) 13 $1,615,000 $124,231 $5,966 4.85%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 6 $1,590,000 $265,000 $10,894 4.33%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 5 $1,575,000 $315,000 $11,151 4.35%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 7 $1,565,000 $223,571 $5,033 4.52%
    BOWLING GREEN, KY (FHA|USDA|VA) 7 $1,495,000 $213,571 $7,882 4.91%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 8 $1,450,000 $181,250 $5,611 4.70%
    JACKSONVILLE, FL (FHA|USDA|VA) 8 $1,440,000 $180,000 $10,239 4.02%
    HOT SPRINGS, AR (FHA|USDA|VA) 14 $1,420,000 $101,429 $4,565 4.48%
    MODESTO, CA (FHA|USDA|VA) 5 $1,405,000 $281,000 $12,526 4.48%
    PUNTA GORDA, FL (FHA|USDA|VA) 6 $1,390,000 $231,667 $14,093 3.79%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 9 $1,365,000 $151,667 $5,169 4.35%
    Jacksonville, IL (FHA|USDA|VA) 14 $1,360,000 $97,143 $4,252 4.71%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 6 $1,340,000 $223,333 $9,415 4.35%
    JACKSON, MI (FHA|USDA|VA) 10 $1,330,000 $133,000 $6,083 4.60%
    FLAGSTAFF, AZ (FHA|USDA|VA) 3 $1,285,000 $428,333 $6,432 4.46%
    Salem, OH (FHA|USDA|VA) 9 $1,265,000 $140,556 $5,657 4.50%
    MONROE, MI (FHA|USDA|VA) 6 $1,110,000 $185,000 $5,582 4.83%
    MUSKEGON, MI (FHA|USDA|VA) 6 $1,110,000 $185,000 $5,466 4.46%
    BAKERSFIELD, CA (FHA|USDA|VA) 4 $1,020,000 $255,000 $6,755 4.25%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 5 $985,000 $197,000 $9,338 4.65%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 3 $985,000 $328,333 $5,496 3.88%
    Payson, AZ (FHA|USDA|VA) 2 $970,000 $485,000 $9,821 4.13%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 6 $970,000 $161,667 $8,579 4.15%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 5 $965,000 $193,000 $10,052 4.35%
    PITTSBURGH, PA (FHA|USDA|VA) 5 $955,000 $191,000 $9,104 4.55%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 4 $900,000 $225,000 $6,553 4.78%
    GREELEY, CO (FHA|USDA|VA) 4 $900,000 $225,000 $10,608 4.22%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 11 $885,000 $80,455 $3,827 4.86%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $880,000 $440,000 $13,030 4.75%
    FORT COLLINS, CO (FHA|USDA|VA) 3 $825,000 $275,000 $9,701 4.25%
    VISALIA, CA (FHA|USDA|VA) 5 $775,000 $155,000 $6,946 4.48%
    Oak Harbor, WA (FHA|USDA|VA) 3 $775,000 $258,333 $7,029 4.38%
    Celina, OH (FHA|USDA|VA) 5 $775,000 $155,000 $5,819 4.85%
    Paducah, KY-IL (FHA|USDA|VA) 5 $755,000 $151,000 $5,248 4.80%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $740,000 $370,000 $8,752 4.94%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $720,000 $360,000 $12,347 3.94%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $690,000 $345,000 $13,674 3.69%
    Traverse City, MI (FHA|USDA|VA) 6 $670,000 $111,667 $4,750 4.81%
    Moses Lake, WA (FHA|USDA|VA) 2 $660,000 $330,000 $6,332 4.50%
    Española, NM (FHA|USDA|VA) 3 $635,000 $211,667 $7,689 4.46%
    Clearlake, CA (FHA|USDA|VA) 2 $630,000 $315,000 $6,908 4.50%
    GRAND FORKS, ND-MN (FHA|USDA|VA) 2 $620,000 $310,000 $6,294 4.81%
    Taylorville, IL (FHA|USDA|VA) 6 $600,000 $100,000 $3,534 4.08%
    SPRINGFIELD, MO (FHA|USDA|VA) 3 $595,000 $198,333 $10,356 4.21%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $585,000 $585,000 $20,843 3.75%
    JONESBORO, AR (FHA|USDA|VA) 4 $570,000 $142,500 $5,084 4.00%
    Shelton, WA (FHA|USDA|VA) 4 $570,000 $142,500 $6,990 5.50%
    Pella, IA (FHA|USDA|VA) 2 $570,000 $285,000 $9,914 4.50%
    BLOOMINGTON, IN (FHA|USDA|VA) 3 $565,000 $188,333 $9,933 4.75%
    Logansport, IN (FHA|USDA|VA) 6 $560,000 $93,333 $3,517 4.81%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $530,000 $265,000 $6,263 4.31%
    MADERA, CA (FHA|USDA|VA) 2 $510,000 $255,000 $9,686 4.19%
    NAPA, CA (FHA|USDA|VA) 1 $495,000 $495,000 $15,447 5.50%
    LOUISVILLE, KY (FHA|USDA|VA) 3 $485,000 $161,667 $6,814 4.13%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $475,000 $475,000 $4,515 4.13%
    Fort Morgan, CO (FHA|USDA|VA) 1 $465,000 $465,000 $15,403 5.00%
    Glasgow, KY (FHA|USDA|VA) 3 $465,000 $155,000 $5,868 4.58%
    Paragould, AR (FHA|USDA|VA) 4 $460,000 $115,000 $4,698 4.72%
    LEBANON, PA (FHA|USDA|VA) 3 $455,000 $151,667 $6,953 4.79%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $455,000 $151,667 $6,297 4.79%
    CHICO, CA (FHA|USDA|VA) 2 $450,000 $225,000 $8,953 4.75%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $430,000 $215,000 $8,749 4.75%
    Murray, KY (FHA|USDA|VA) 4 $430,000 $107,500 $4,124 4.16%
    MORRISTOWN, TN (FHA|USDA|VA) 3 $425,000 $141,667 $6,990 4.92%
    SANTA FE, NM (FHA|USDA|VA) 2 $420,000 $210,000 $10,239 5.50%
    Sault Ste. Marie, MI (FHA|USDA|VA) 4 $410,000 $102,500 $4,446 4.94%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $410,000 $205,000 $10,685 4.06%
    Marinette, WI-MI (FHA|USDA|VA) 3 $405,000 $135,000 $3,635 4.42%
    SALINAS, CA (FHA|USDA|VA) 1 $395,000 $395,000 $12,804 4.25%
    YAKIMA, WA (FHA|USDA|VA) 1 $385,000 $385,000 $12,616 4.00%
    Glenwood Springs, CO (FHA|USDA|VA) 1 $375,000 $375,000 $20,351 4.25%
    MIDLAND, MI (FHA|USDA|VA) 2 $350,000 $175,000 $8,101 4.25%
    Red Wing, MN (FHA|USDA|VA) 2 $340,000 $170,000 $6,610 4.06%
    PUEBLO, CO (FHA|USDA|VA) 2 $340,000 $170,000 $8,897 4.31%
    COLUMBUS, OH (FHA|USDA|VA) 1 $335,000 $335,000 $7,212 4.50%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 2 $330,000 $165,000 $8,644 4.63%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $315,000 $315,000 $8,961 4.50%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $315,000 $315,000 $12,330 4.25%
    MERCED, CA (FHA|USDA|VA) 1 $315,000 $315,000 $17,407 3.50%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $310,000 $155,000 $6,281 4.31%
    BEND, OR (FHA|USDA|VA) 1 $305,000 $305,000 $11,270 3.50%
    SPARTANBURG, SC (FHA|USDA|VA) 1 $305,000 $305,000 $3,669 5.63%
    Wapakoneta, OH (FHA|USDA|VA) 2 $290,000 $145,000 $7,416 4.75%
    Brenham, TX (FHA|USDA|VA) 1 $285,000 $285,000 $4,352 4.63%
    Red Bluff, CA (FHA|USDA|VA) 1 $285,000 $285,000 $17,312 4.13%
    Nogales, AZ (FHA|USDA|VA) 1 $285,000 $285,000 $12,237 4.13%
    Rolla, MO (FHA|USDA|VA) 2 $280,000 $140,000 $4,393 4.75%
    NILES, MI (FHA|USDA|VA) 2 $280,000 $140,000 $6,284 4.75%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $275,000 $275,000 $7,877 4.63%
    Show Low, AZ (FHA|USDA|VA) 1 $275,000 $275,000 $6,776 4.13%
    MONTGOMERY, AL (FHA|USDA|VA) 4 $270,000 $67,500 $4,070 5.09%
    Peru, IN (FHA|USDA|VA) 3 $265,000 $88,333 $3,023 4.75%
    ALTOONA, PA (FHA|USDA|VA) 1 $265,000 $265,000 $16,635 3.63%
    READING, PA (FHA|USDA|VA) 2 $260,000 $130,000 $6,383 4.13%
    Ashland, OH (FHA|USDA|VA) 2 $260,000 $130,000 $5,599 4.69%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 2 $260,000 $130,000 $6,478 4.31%
    FORT WAYNE, IN (FHA|USDA|VA) 1 $255,000 $255,000 $14,179 3.63%
    YORK-HANOVER, PA (FHA|USDA|VA) 1 $255,000 $255,000 $15,613 3.63%
    KANKAKEE, IL (FHA|USDA|VA) 2 $250,000 $125,000 $5,669 4.56%
    MIDLAND, TX (FHA|USDA|VA) 1 $245,000 $245,000 $8,493 5.13%
    Iron Mountain, MI-WI (FHA|USDA|VA) 2 $240,000 $120,000 $2,386 4.44%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $240,000 $120,000 $3,939 5.06%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $235,000 $235,000 $4,230 4.00%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $235,000 $235,000 $12,342 4.00%
    Mount Pleasant, MI (FHA|USDA|VA) 2 $230,000 $115,000 $5,006 4.06%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $230,000 $115,000 $4,554 2.56%
    Bluffton, IN (FHA|USDA|VA) 1 $225,000 $225,000 $11,811 4.25%
    LANCASTER, PA (FHA|USDA|VA) 1 $225,000 $225,000 $14,700 3.50%
    Dickinson, ND (FHA|USDA|VA) 1 $225,000 $225,000 $8,294 5.63%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $205,000 $205,000 $11,824 4.50%
    Greeneville, TN (FHA|USDA|VA) 1 $205,000 $205,000 $5,624 4.38%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $205,000 $205,000 $10,410 3.75%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $205,000 $205,000 $10,362 4.00%
    Macomb, IL (FHA|USDA|VA) 1 $205,000 $205,000 $8,970 5.00%
    Escanaba, MI (FHA|USDA|VA) 3 $205,000 $68,333 $3,132 4.13%
    Sunbury, PA (FHA|USDA|VA) 1 $195,000 $195,000 $11,511 4.13%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $195,000 $195,000 $9,108 4.00%
    Alice, TX (FHA|USDA|VA) 1 $195,000 $195,000 $11,974 3.63%
    TEXARKANA, TX-AR (FHA|USDA|VA) 1 $185,000 $185,000 $8,061 4.88%
    Jefferson, GA (FHA|USDA|VA) 1 $185,000 $185,000 $11,053 4.13%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $185,000 $185,000 $9,593 3.63%
    SAVANNAH, GA (FHA|USDA|VA) 1 $185,000 $185,000 $10,212 3.63%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $185,000 $185,000 $8,017 4.38%
    Cornelia, GA (FHA|USDA|VA) 1 $185,000 $185,000 $11,740 3.50%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $185,000 $185,000 $8,586 5.13%
    New Castle, PA (FHA|USDA|VA) 2 $180,000 $90,000 $3,565 4.69%
    MUNCIE, IN (FHA|USDA|VA) 1 $175,000 $175,000 $8,673 3.75%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $165,000 $165,000 $6,973 4.63%
    GETTYSBURG, PA (FHA|USDA|VA) 1 $165,000 $165,000 $10,808 3.63%
    WILLIAMSPORT, PA (FHA|USDA|VA) 1 $165,000 $165,000 $9,681 4.25%
    PINE BLUFF, AR (FHA|USDA|VA) 1 $165,000 $165,000 $5,985 4.13%
    Somerset, KY (FHA|USDA|VA) 1 $165,000 $165,000 $6,671 4.88%
    Mount Sterling, KY (FHA|USDA|VA) 1 $165,000 $165,000 $6,334 4.50%
    SPRINGFIELD, IL (FHA|USDA|VA) 1 $155,000 $155,000 $7,012 4.25%
    Cadillac, MI (FHA|USDA|VA) 1 $155,000 $155,000 $9,001 5.38%
    Kennett, MO (FHA|USDA|VA) 2 $150,000 $75,000 $4,201 4.75%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $145,000 $145,000 $6,992 4.00%
    Farmington, MO (FHA|USDA|VA) 1 $145,000 $145,000 $9,681 4.13%
    New Castle, IN (FHA|USDA|VA) 1 $145,000 $145,000 $4,521 4.63%
    COLUMBUS, GA-AL (FHA|USDA|VA) 1 $145,000 $145,000 $4,112 4.25%
    Okeechobee, FL (FHA|USDA|VA) 1 $145,000 $145,000 $9,545 4.50%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $145,000 $145,000 $8,651 4.00%
    YUMA, AZ (FHA|USDA|VA) 2 $140,000 $70,000 $4,618 5.13%
    Adrian, MI (FHA|USDA|VA) 1 $135,000 $135,000 $5,470 4.13%
    Sevierville, TN (FHA|USDA|VA) 1 $135,000 $135,000 $7,085 5.13%
    Urbana, OH (FHA|USDA|VA) 1 $135,000 $135,000 $5,800 5.75%
    Fergus Falls, MN (FHA|USDA|VA) 1 $135,000 $135,000 $4,415 3.88%
    Muscatine, IA (FHA|USDA|VA) 1 $135,000 $135,000 $3,629 3.88%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $125,000 $125,000 $4,149 4.00%
    Chillicothe, OH (FHA|USDA|VA) 1 $125,000 $125,000 $5,282 4.00%
    Waycross, GA (FHA|USDA|VA) 1 $125,000 $125,000 $5,361 4.25%
    FLINT, MI (FHA|USDA|VA) 1 $125,000 $125,000 $3,152 4.63%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $125,000 $125,000 $7,249 4.13%
    Richmond, IN (FHA|USDA|VA) 1 $125,000 $125,000 $9,555 3.50%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $125,000 $125,000 $8,348 4.13%
    PEORIA, IL (FHA|USDA|VA) 1 $115,000 $115,000 $6,135 4.00%
    Sidney, OH (FHA|USDA|VA) 1 $105,000 $105,000 $5,308 4.00%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $105,000 $105,000 $5,399 4.25%
    ERIE, PA (FHA|USDA|VA) 1 $95,000 $95,000 $6,927 4.13%
    BATTLE CREEK, MI (FHA|USDA|VA) 1 $95,000 $95,000 $4,548 4.75%
    JEFFERSON CITY, MO (FHA|USDA|VA) 1 $95,000 $95,000 $6,355 3.75%
    Meadville, PA (FHA|USDA|VA) 1 $85,000 $85,000 $4,492 4.25%
    Hereford, TX (FHA|USDA|VA) 1 $85,000 $85,000 $5,916 5.88%
    Centralia, IL (FHA|USDA|VA) 1 $75,000 $75,000 $3,477 4.63%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $75,000 $75,000 $4,568 5.25%
    Bedford, IN (FHA|USDA|VA) 1 $45,000 $45,000 $5,071 4.75%
    Top Flite Financial's top markets include Seattle, Phoenix, Los Angeles, Chicago, and Grand Rapids among others.

    Their top states include:
  • California (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)

    • Similar Lenders

    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.

    FIDELITY SAVINGS AND LOAN ASSOCIATION OF BUCKS COUNTY
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    D.W. BROWN MORTGAGE CORP.
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    Independence Bank of Kentucky
    Similarity Rank: 308
    HERITAGE COMMUNITY CREDIT UNION
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 771 $180,695,000 $234,364 $6,334 4.48%
    FHA 703 $139,525,000 $198,471 $9,468 4.48%
    USDA 223 $26,035,000 $116,749 $4,668 4.42%
    VA 156 $38,240,000 $245,128 $8,983 4.32%
    HELOC 5 $855,000 $171,000 n/a 5.50%
    FHA 3 $375,000 $125,000 $0 5.17%
    VA 1 $175,000 $175,000 $0 5.50%

    For 2019, Top Flite Financial's most frequently originated type of loan was Conventional, with 771 originations. Their 2nd most popular type was FHA, with 703 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,121 $193,115,000 $172,270 $6,046 4.56%
    Cash Out Refi 513 $131,705,000 $256,735 $10,731 4.33%
    Refi 205 $57,155,000 $278,805 $7,690 4.23%
    Other 22 $3,790,000 $172,273 $7,017 4.68%
    Home Improvement 1 $135,000 $135,000 $5,541 4.88%

    For 2019, Top Flite Financial's most frequently cited loan purpose was Home Purchase, with 1,121 originations. The 2nd most popular reason was Cash Out Refi, with 513 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,758 $364,280,000 $207,213 $7,536 4.49%
    15 Year 61 $11,465,000 $187,951 $6,437 3.98%
    20 Year 29 $6,475,000 $223,276 $7,761 4.19%
    Other 11 $3,265,000 $296,818 $14,358 4.32%
    10 Year 3 $415,000 $138,333 $6,885 3.71%

    For 2019, Top Flite Financial's most frequently cited loan duration was 30 Year, with 1,758 originations. The 2nd most popular length was 15 Year, with 61 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 624 $91,940,000 $147,340
    $5k+ 491 $159,625,000 $325,102
    $2k-3k 310 $47,960,000 $154,710
    $3k-4k 195 $39,105,000 $200,538
    $4k-5k 156 $36,470,000 $233,782
    $<1k 77 $9,395,000 $122,013

    Top Flite Financial's average total fees were $7,536, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 624 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,087 $219,975,000 $202,369
    3-4% 440 $108,100,000 $245,682
    5-6% 314 $56,470,000 $179,841
    <2.5% 10 $110,000 $11,000
    6-7% 5 $665,000 $133,000
    2.5-3% 3 $555,000 $185,000

    During 2019, Top Flite Financial's average interest rate for loans was 4.49%, while their most frequently originated rate bucket for loans was 4-5%, with 1,087 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 771 $114,095,000 $147,983 $5,963 4.52%
    $200k-400k 611 $167,035,000 $273,380 $9,554 4.38%
    $100,000 or less 319 $23,275,000 $72,962 $3,990 4.57%
    $400k-600k 133 $62,565,000 $470,414 $12,560 4.31%
    $600k-1MM 28 $18,930,000 $676,071 $22,100 4.30%

    2019 saw Top Flite Financial place emphasis on $100k-200k loans with 771 originations, totaling $114,095,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 528 $63,760,000 $120,758 $5,290 4.56%
    $50k-75k 520 $93,360,000 $179,538 $7,245 4.42%
    $100k-150k 325 $93,915,000 $288,969 $9,262 4.45%
    $75k-100k 322 $73,290,000 $227,609 $8,139 4.41%
    $150k-250k 141 $51,035,000 $361,950 $10,961 4.37%
    $250k+ 24 $10,060,000 $419,167 $11,629 4.65%

    Top Flite Financial lent most frequently to those with incomes in the $50k or less range, with 528 originations. The second most popular income band? $50k-75k, with 520 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 318 $60,340,000 $189,748 $6,332 4.51%
    20-30% 302 $57,210,000 $189,437 $6,261 4.44%
    50-60% 214 $49,060,000 $229,252 $10,539 4.28%
    44% 96 $19,780,000 $206,042 $7,830 4.64%
    37% 86 $20,250,000 $235,465 $7,657 4.60%
    40% 84 $17,780,000 $211,667 $7,025 4.53%
    39% 82 $16,430,000 $200,366 $7,710 4.46%
    41% 82 $18,340,000 $223,659 $7,480 4.56%
    43% 78 $16,480,000 $211,282 $7,567 4.46%
    36% 76 $15,340,000 $201,842 $6,549 4.41%
    <20% 67 $10,105,000 $150,821 $5,652 4.54%
    42% 66 $12,910,000 $195,606 $6,962 4.58%
    49% 62 $13,470,000 $217,258 $8,451 4.46%
    38% 56 $11,690,000 $208,750 $7,959 4.31%
    48% 44 $11,920,000 $270,909 $9,472 4.40%
    45% 43 $8,885,000 $206,628 $8,394 4.53%
    46% 43 $10,375,000 $241,279 $8,896 4.50%
    47% 37 $8,165,000 $220,676 $9,053 4.51%
    >60% 9 $2,725,000 $302,778 $12,106 4.42%

    Top Flite Financial lent most frequently to those with DTI ratios of 30-36%, with 318 originations. The next most common DTI ratio? 20-30%, with 302 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,676 $341,050,000 $203,490 $7,418 4.48%
    Black 92 $19,340,000 $210,217 $8,503 4.53%
    Not provided 53 $12,765,000 $240,849 $7,857 4.09%
    Asian 28 $9,340,000 $333,571 $10,031 4.07%
    American Indian 6 $1,620,000 $270,000 $10,250 4.56%
    Other Asian 2 $650,000 $325,000 $12,092 5.56%
    Native Hawaiian or Islander 3 $645,000 $215,000 $9,870 4.21%
    Asian Indian 2 $490,000 $245,000 $5,375 5.44%

    Approval Rates

    Total approvals of all applications
    75.78%

    Top Flite Financial has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    -141.14%

    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 1,862 $385,900,000 $207,250

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 73 $9,395,000 $128,699
    Single Family (1-4 Units):Site-Built 1,789 $376,505,000 $210,456

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 23 $3,725,000 $161,957 $6,035 4.41%
    40-60% 136 $33,080,000 $243,235 $8,141 4.33%
    60-80% 395 $97,655,000 $247,228 $8,089 4.45%
    80-100% 1,259 $243,915,000 $193,737 $7,354 4.52%
    Over 100% 32 $6,880,000 $215,000 $9,155 4.36%
    Under 20% 15 $265,000 $17,667 $946 0.77%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    TOP FLITE FINANCIAL INC Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%
    TOP FLITE FINANCIAL INC FHA mortgage Closing on a mortgage 1 33.3%
    TOP FLITE FINANCIAL INC VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%