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, Cash Out Refi, and Refi loans. Top Flite Financial has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Seattle, Phoenix, Grand Rapids, Atlanta, and Los Angeles among others. We have data for 268 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
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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
3,008Origination Dollar Volume (All Markets)
$688,620,000Awards
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TOP FLITE FINANCIAL - 2020
TOP FLITE FINANCIAL is a 2020 , due to their low .
For 2020, 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 |
|---|---|---|---|---|---|
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 257 | $99,465,000 | $387,023 | $10,008 | 2.97% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 295 | $75,825,000 | $257,034 | $5,305 | 3.12% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 158 | $29,400,000 | $186,076 | $6,136 | 3.32% |
| Outside of Metro Areas | 168 | $24,080,000 | $143,333 | $6,097 | 3.34% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 106 | $23,240,000 | $219,245 | $9,805 | 3.26% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 56 | $22,970,000 | $410,179 | $15,495 | 3.18% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 68 | $14,150,000 | $208,088 | $6,196 | 3.35% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 76 | $13,650,000 | $179,605 | $5,362 | 3.23% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 45 | $13,455,000 | $299,000 | $11,074 | 3.34% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 57 | $13,135,000 | $230,439 | $4,583 | 3.28% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 25 | $12,855,000 | $514,200 | $19,031 | 3.16% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 39 | $9,645,000 | $247,308 | $11,903 | 3.17% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 52 | $9,110,000 | $175,192 | $7,192 | 3.22% |
| AKRON, OH (FHA|USDA|VA) | 51 | $8,835,000 | $173,235 | $5,129 | 3.34% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 32 | $8,750,000 | $273,438 | $11,122 | 3.39% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 30 | $8,680,000 | $289,333 | $13,347 | 3.25% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 20 | $8,640,000 | $432,000 | $15,101 | 3.12% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 40 | $8,610,000 | $215,250 | $3,957 | 3.23% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 34 | $8,520,000 | $250,588 | $6,565 | 3.11% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 40 | $8,430,000 | $210,750 | $9,393 | 3.28% |
| Big Rapids, MI (FHA|USDA|VA) | 52 | $7,550,000 | $145,192 | $5,327 | 3.39% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 44 | $6,870,000 | $156,136 | $5,309 | 3.13% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 26 | $6,390,000 | $245,769 | $12,712 | 3.16% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 29 | $6,205,000 | $213,966 | $10,015 | 3.03% |
| Wooster, OH (FHA|USDA|VA) | 39 | $6,085,000 | $156,026 | $5,434 | 3.30% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 21 | $5,615,000 | $267,381 | $8,914 | 3.23% |
| London, KY (FHA|USDA|VA) | 41 | $5,575,000 | $135,976 | $5,161 | 3.39% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 27 | $5,565,000 | $206,111 | $10,111 | 3.30% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 30 | $5,200,000 | $173,333 | $8,326 | 3.34% |
| KNOXVILLE, TN (FHA|USDA|VA) | 27 | $5,035,000 | $186,481 | $6,440 | 3.25% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 18 | $4,930,000 | $273,889 | $5,362 | 2.85% |
| SALEM, OR (FHA|USDA|VA) | 16 | $4,760,000 | $297,500 | $5,161 | 3.25% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 9 | $4,355,000 | $483,889 | $19,673 | 2.96% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 16 | $4,290,000 | $268,125 | $5,507 | 3.13% |
| TUCSON, AZ (FHA|USDA|VA) | 24 | $4,260,000 | $177,500 | $5,735 | 3.28% |
| OWENSBORO, KY (FHA|USDA|VA) | 32 | $4,140,000 | $129,375 | $6,176 | 3.63% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 10 | $4,120,000 | $412,000 | $8,418 | 3.16% |
| Ashtabula, OH (FHA|USDA|VA) | 31 | $3,835,000 | $123,710 | $4,817 | 3.50% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 22 | $3,580,000 | $162,727 | $6,753 | 3.43% |
| Holland, MI (FHA|USDA|VA) | 19 | $3,515,000 | $185,000 | $6,104 | 3.30% |
| Madisonville, KY (FHA|USDA|VA) | 25 | $3,495,000 | $139,800 | $5,321 | 3.24% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 18 | $3,430,000 | $190,556 | $4,554 | 3.12% |
| FRESNO, CA (FHA|USDA|VA) | 13 | $3,375,000 | $259,615 | $10,102 | 3.51% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 13 | $3,175,000 | $244,231 | $7,828 | 3.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 13 | $2,885,000 | $221,923 | $11,866 | 3.09% |
| Middlesborough, KY (FHA|USDA|VA) | 22 | $2,840,000 | $129,091 | $5,964 | 3.69% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 15 | $2,835,000 | $189,000 | $7,637 | 3.20% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 15 | $2,825,000 | $188,333 | $7,604 | 3.68% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 15 | $2,755,000 | $183,667 | $9,500 | 3.37% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 13 | $2,685,000 | $206,538 | $10,450 | 3.15% |
| AMARILLO, TX (FHA|USDA|VA) | 17 | $2,645,000 | $155,588 | $7,277 | 3.23% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 14 | $2,500,000 | $178,571 | $8,645 | 3.37% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 11 | $2,375,000 | $215,909 | $7,706 | 2.83% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 12 | $2,180,000 | $181,667 | $6,394 | 3.33% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 9 | $2,175,000 | $241,667 | $9,126 | 3.46% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 7 | $2,105,000 | $300,714 | $6,955 | 3.05% |
| Ashland, OH (FHA|USDA|VA) | 12 | $1,860,000 | $155,000 | $5,480 | 3.19% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 10 | $1,850,000 | $185,000 | $9,608 | 3.23% |
| PITTSBURGH, PA (FHA|USDA|VA) | 9 | $1,825,000 | $202,778 | $10,782 | 3.43% |
| MODESTO, CA (FHA|USDA|VA) | 7 | $1,805,000 | $257,857 | $12,945 | 3.25% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 7 | $1,795,000 | $256,429 | $5,452 | 2.89% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 5 | $1,765,000 | $353,000 | $14,994 | 3.18% |
| Taylorville, IL (FHA|USDA|VA) | 12 | $1,660,000 | $138,333 | $4,768 | 3.47% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 6 | $1,650,000 | $275,000 | $8,650 | 3.50% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $1,585,000 | $528,333 | $29,574 | 2.71% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 10 | $1,570,000 | $157,000 | $7,070 | 3.28% |
| ASHEVILLE, NC (FHA|USDA|VA) | 6 | $1,520,000 | $253,333 | $7,880 | 3.00% |
| STOCKTON, CA (FHA|USDA|VA) | 6 | $1,490,000 | $248,333 | $9,817 | 3.13% |
| El Campo, TX (FHA|USDA|VA) | 4 | $1,460,000 | $365,000 | $9,610 | 2.81% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 8 | $1,440,000 | $180,000 | $8,234 | 3.05% |
| Celina, OH (FHA|USDA|VA) | 9 | $1,435,000 | $159,444 | $5,184 | 3.50% |
| BOULDER, CO (FHA|USDA|VA) | 4 | $1,410,000 | $352,500 | $10,812 | 2.97% |
| GREELEY, CO (FHA|USDA|VA) | 5 | $1,405,000 | $281,000 | $16,138 | 2.98% |
| Salem, OH (FHA|USDA|VA) | 9 | $1,405,000 | $156,111 | $5,506 | 3.31% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 5 | $1,395,000 | $279,000 | $9,624 | 2.78% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 6 | $1,390,000 | $231,667 | $11,370 | 3.04% |
| Key West, FL (FHA|USDA|VA) | 2 | $1,370,000 | $685,000 | $26,612 | 2.69% |
| JACKSON, MI (FHA|USDA|VA) | 9 | $1,345,000 | $149,444 | $7,320 | 3.36% |
| Mayfield, KY (FHA|USDA|VA) | 12 | $1,280,000 | $106,667 | $5,224 | 3.34% |
| COLUMBUS, OH (FHA|USDA|VA) | 5 | $1,255,000 | $251,000 | $5,163 | 3.15% |
| PANAMA CITY, FL (FHA|USDA|VA) | 7 | $1,255,000 | $179,286 | $5,546 | 2.75% |
| VISALIA, CA (FHA|USDA|VA) | 7 | $1,235,000 | $176,429 | $9,088 | 3.50% |
| MUSKEGON, MI (FHA|USDA|VA) | 8 | $1,220,000 | $152,500 | $5,824 | 3.00% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 8 | $1,210,000 | $151,250 | $3,809 | 3.27% |
| FORT COLLINS, CO (FHA|USDA|VA) | 4 | $1,200,000 | $300,000 | $16,746 | 3.09% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 5 | $1,195,000 | $239,000 | $11,354 | 3.43% |
| SANTA FE, NM (FHA|USDA|VA) | 5 | $1,195,000 | $239,000 | $9,878 | 4.00% |
| Payson, AZ (FHA|USDA|VA) | 5 | $1,185,000 | $237,000 | $3,093 | 2.75% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 4 | $1,180,000 | $295,000 | $7,919 | 2.97% |
| Edwards, CO (FHA|USDA|VA) | 2 | $1,160,000 | $580,000 | $16,870 | 3.50% |
| LOUISVILLE, KY (FHA|USDA|VA) | 7 | $1,055,000 | $150,714 | $6,983 | 3.25% |
| Oak Harbor, WA (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $12,199 | 2.96% |
| BELLINGHAM, WA (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $7,605 | 3.17% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $6,388 | 3.63% |
| Wapakoneta, OH (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $8,533 | 3.53% |
| Paragould, AR (FHA|USDA|VA) | 7 | $985,000 | $140,714 | $5,312 | 3.04% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $6,105 | 2.92% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $9,485 | 3.19% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $12,452 | 2.84% |
| OCALA, FL (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $13,449 | 3.42% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 4 | $910,000 | $227,500 | $10,725 | 3.31% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $9,674 | 3.23% |
| WENATCHEE, WA (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $9,308 | 3.04% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 6 | $890,000 | $148,333 | $5,972 | 3.23% |
| Ludington, MI (FHA|USDA|VA) | 5 | $885,000 | $177,000 | $3,912 | 3.25% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $4,561 | 3.46% |
| Paducah, KY-IL (FHA|USDA|VA) | 5 | $885,000 | $177,000 | $6,408 | 3.35% |
| Escanaba, MI (FHA|USDA|VA) | 6 | $880,000 | $146,667 | $4,369 | 3.02% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 5 | $875,000 | $175,000 | $7,077 | 3.05% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $5,632 | 2.59% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 5 | $855,000 | $171,000 | $10,149 | 3.58% |
| Adrian, MI (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $7,814 | 3.09% |
| LONGVIEW, WA (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $7,539 | 3.50% |
| THE VILLAGES, FL (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $8,470 | 2.92% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $8,241 | 2.78% |
| CHICO, CA (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $12,309 | 3.54% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $19,581 | 2.69% |
| Roseburg, OR (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $4,880 | 2.69% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 6 | $780,000 | $130,000 | $4,300 | 3.42% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $10,649 | 3.06% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $7,578 | 2.94% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $8,801 | 3.04% |
| JONESBORO, AR (FHA|USDA|VA) | 6 | $730,000 | $121,667 | $5,099 | 3.79% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $12,286 | 3.13% |
| Moses Lake, WA (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $4,995 | 3.13% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $8,497 | 2.88% |
| Richmond-Berea, KY (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $9,703 | 3.04% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $34,759 | 3.13% |
| Jacksonville, IL (FHA|USDA|VA) | 8 | $660,000 | $82,500 | $3,535 | 3.42% |
| Show Low, AZ (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $8,950 | 3.00% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $7,783 | 3.00% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $3,533 | 3.44% |
| TYLER, TX (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $7,750 | 3.69% |
| Ellensburg, WA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $9,992 | 3.00% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $13,073 | 2.94% |
| Traverse City, MI (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $6,608 | 3.53% |
| MONROE, MI (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $3,459 | 3.06% |
| LEBANON, PA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $10,579 | 3.06% |
| AMES, IA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,725 | 3.13% |
| JOPLIN, MO (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $9,123 | 3.38% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $7,023 | 3.42% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $7,303 | 3.04% |
| Española, NM (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $10,044 | 3.25% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $15,268 | 3.13% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $5,930 | 4.88% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $11,165 | 3.06% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $10,685 | 3.63% |
| BATON ROUGE, LA (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $5,983 | 3.46% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $7,596 | 3.13% |
| Murray, KY (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $5,460 | 3.54% |
| FLINT, MI (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $7,383 | 3.00% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $9,966 | 3.50% |
| Willmar, MN (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $6,006 | 2.75% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $8,893 | 3.38% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $10,507 | 3.13% |
| MIDLAND, MI (FHA|USDA|VA) | 4 | $440,000 | $110,000 | $3,660 | 3.25% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $15,195 | 2.56% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $13,701 | 3.06% |
| ROCHESTER, MN (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $5,768 | 3.69% |
| BEND, OR (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $15,804 | 2.50% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $8,878 | 3.50% |
| ERIE, PA (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $6,484 | 3.88% |
| MADERA, CA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $7,829 | 3.25% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $6,318 | 3.88% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $10,404 | 2.38% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $5,300 | 3.13% |
| SAGINAW, MI (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $8,261 | 2.88% |
| READING, PA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $9,330 | 3.94% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $12,278 | 3.25% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,868 | 2.88% |
| Cadillac, MI (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $4,111 | 3.50% |
| Auburn, IN (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $5,395 | 3.31% |
| Jefferson, GA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $11,215 | 3.25% |
| Union City, TN (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $16,033 | 3.25% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,299 | 3.00% |
| Central City, KY (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $8,437 | 3.56% |
| Astoria, OR (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,191 | 3.63% |
| Shelton, WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $9,752 | 4.38% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,629 | 2.94% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $8,759 | 3.19% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $5,732 | 3.38% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,588 | 3.13% |
| GAINESVILLE, GA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $9,204 | 3.63% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $10,361 | 3.63% |
| BURLINGTON, NC (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $7,985 | 3.06% |
| Malvern, AR (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,412 | 3.50% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,674 | 3.50% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,038 | 2.88% |
| Cordele, GA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $15,053 | 2.63% |
| MERCED, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,561 | 3.00% |
| Pella, IA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,118 | 2.50% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $10,339 | 3.50% |
| Chillicothe, OH (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $5,180 | 4.13% |
| Madison, IN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,753 | 3.88% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,853 | 3.38% |
| Cedartown, GA (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $4,848 | 3.25% |
| Calhoun, GA (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $7,014 | 3.13% |
| Greenville, OH (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $5,117 | 4.06% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 3.50% |
| Forrest City, AR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $12,305 | 2.88% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $10,777 | 3.50% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $11,997 | 3.13% |
| Mount Pleasant, MI (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $8,531 | 3.25% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $12,887 | 2.63% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $14,389 | 3.13% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,823 | 2.88% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,087 | 3.25% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $13,352 | 2.88% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,498 | 3.25% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $13,050 | 2.63% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $12,283 | 3.25% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,975 | 3.50% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,395 | 2.88% |
| KANKAKEE, IL (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $4,123 | 2.94% |
| Plymouth, IN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $14,440 | 2.75% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,937 | 2.75% |
| Dumas, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,169 | 3.25% |
| Sidney, OH (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $5,167 | 3.06% |
| Centralia, WA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,007 | 3.13% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,062 | 2.38% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $6,680 | 3.19% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,308 | 4.13% |
| Vidalia, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,376 | 2.75% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,147 | 2.63% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $12,877 | 3.25% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,358 | 4.50% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,420 | 4.13% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,466 | 4.00% |
| Glasgow, KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,864 | 3.25% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,561 | 3.13% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,830 | 3.25% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $10,590 | 2.63% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,896 | 3.88% |
| McMinnville, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,271 | 3.25% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,408 | 3.13% |
| Palatka, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,835 | 3.00% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $10,412 | 3.13% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,926 | 3.25% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,087 | 3.50% |
| Waycross, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $10,104 | 3.25% |
| Kinston, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,119 | 3.13% |
| Mount Vernon, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,961 | 3.75% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,582 | 2.88% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $9,387 | 2.88% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,908 | 2.75% |
| NAPA, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,487 | 3.13% |
| Meadville, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,014 | 3.13% |
| Athens, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,683 | 3.25% |
| Pampa, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,885 | 3.25% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,719 | 3.63% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,926 | 3.25% |
| DALTON, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,698 | 3.25% |
| Hillsdale, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,628 | 3.25% |
| Tifton, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,786 | 4.13% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $8,023 | 3.25% |
| Hereford, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,359 | 4.00% |
| Alma, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,329 | 3.25% |
| Harrison, AR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,600 | 4.38% |
| Van Wert, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,397 | 4.13% |
| Campbellsville, KY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,302 | 3.25% |
| IOWA CITY, IA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,125 | 4.75% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,680 | 3.13% |
| Iron Mountain, MI-WI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,024 | 3.13% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,102 | 4.13% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,630 | 3.25% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,463 | 2.50% |
| BAY CITY, MI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,820 | 3.63% |
| LIMA, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,844 | 3.25% |
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Product Mix
For 2020, Top Flite Financial's most frequently originated type of loan was Conventional, with 1,718 originations. Their 2nd most popular type was FHA, with 818 originations.
Loan Reason
For 2020, Top Flite Financial's most frequently cited loan purpose was Home Purchase, with 1,142 originations. The 2nd most popular reason was Cash Out Refi, with 1,044 originations.
Loan Duration/Length
For 2020, Top Flite Financial's most frequently cited loan duration was 30 Year, with 2,624 originations. The 2nd most popular length was 15 Year, with 230 originations.
Origination Fees/Closing Costs
Top Flite Financial's average total fees were $7,822, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,066 originations.
Interest Rates
During 2020, Top Flite Financial's average interest rate for loans was 3.27%, while their most frequently originated rate bucket for loans was 3-4%, with 1,580 originations.
Loan Sizing
2020 saw Top Flite Financial place emphasis on $100k-200k loans with 1,255 originations, totaling $189,635,000 in origination value.
Applicant Income
Top Flite Financial lent most frequently to those with incomes in the $50k-75k range, with 862 originations. The second most popular income band? $50k or less, with 721 originations.
Applicant Debt to Income Ratio
Top Flite Financial lent most frequently to those with DTI ratios of 20-30%, with 582 originations. The next most common DTI ratio? 30-36%, with 568 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications87.78%
Top Flite Financial has an average approval rate.
Pick Rate
Approvals leading to origination-89.36%
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 | 3,008 | $688,620,000 | $228,930 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 79 | $10,675,000 | $135,127 |
| Single Family (1-4 Units):Site-Built | 2,929 | $677,945,000 | $231,460 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| TOP FLITE FINANCIAL INC | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 3 | 60.0% |
| TOP FLITE FINANCIAL INC | FHA mortgage | Closing on a mortgage | 1 | 20.0% |
| TOP FLITE FINANCIAL INC | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 20.0% |