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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Mortgage Data

Review & Overview

Top Flite Financial is a smaller mortgage company specializing in Cash Out Refi and Home Purchase loans. Top Flite Financial has a high proportion of conventional loans. They have a a high proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Phoenix, Seattle, Atlanta, Grand Rapids, and Tampa among others. We have data for 313 markets. (Some data included below & more in-depth data is available with an active subscription.)

Top Flite Financial has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Top Flite Financial is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have 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% 4/22/24
30 Year Conventional Refi 7.00% 4/22/24
30 Year Cash-out Refi 6.97% 4/22/24
30 Year FHA Purchase 7.70% 4/22/24
30 Year FHA Refi 7.70% 4/22/24
30 Year VA Purchase 6.85% 4/22/24
30 Year VA Refi 6.27% 4/22/24
30 Year USDA Purchase 7.25% 4/22/24
15 Year Conventional Purchase 6.77% 4/22/24
15 Year Conventional Refi 6.61% 4/22/24
15 Year Cash-out Refi 6.61% 4/22/24
15 Year FHA Purchase 7.00% 4/22/24
15 Year FHA Refi 5.68% 4/22/24
15 Year VA Purchase 5.68% 4/22/24
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

2,892

Origination Dollar Volume (All Markets)

$652,330,000

Awards

TOP FLITE FINANCIAL 30 Year Conventional Loans silver
Show all (1) 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
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 220 $63,730,000 $289,682 $8,238 3.22%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 120 $48,990,000 $408,250 $12,081 2.95%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 125 $26,535,000 $212,280 $11,437 3.27%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 116 $23,820,000 $205,345 $6,883 3.33%
Outside of Metro Areas 151 $22,385,000 $148,245 $6,911 3.35%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 67 $15,015,000 $224,104 $12,337 3.18%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 33 $14,535,000 $440,455 $19,766 3.08%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 54 $13,960,000 $258,519 $11,185 3.21%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 41 $13,445,000 $327,927 $16,867 3.18%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 75 $13,185,000 $175,800 $5,421 3.44%
ST. LOUIS, MO-IL (FHA|USDA|VA) 58 $12,000,000 $206,897 $9,474 3.30%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 64 $11,640,000 $181,875 $6,396 3.33%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 51 $11,285,000 $221,275 $10,808 3.15%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 41 $10,065,000 $245,488 $13,433 3.16%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 32 $9,750,000 $304,688 $14,730 3.23%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 50 $9,450,000 $189,000 $10,386 3.19%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 34 $8,200,000 $241,176 $11,638 3.15%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 13 $7,675,000 $590,385 $24,480 3.11%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 38 $7,180,000 $188,947 $5,224 3.14%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 31 $7,115,000 $229,516 $4,068 3.09%
AKRON, OH (FHA|USDA|VA) 42 $6,870,000 $163,571 $5,952 3.32%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 20 $6,650,000 $332,500 $15,444 3.28%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 15 $6,475,000 $431,667 $16,025 3.04%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 25 $6,275,000 $251,000 $6,943 2.83%
Big Rapids, MI (FHA|USDA|VA) 41 $6,115,000 $149,146 $5,775 3.34%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 25 $5,905,000 $236,200 $12,787 3.21%
Holland, MI (FHA|USDA|VA) 27 $5,505,000 $203,889 $6,622 3.23%
JACKSONVILLE, FL (FHA|USDA|VA) 25 $5,245,000 $209,800 $11,145 3.21%
COLORADO SPRINGS, CO (FHA|USDA|VA) 18 $5,230,000 $290,556 $14,546 3.12%
COLUMBUS, OH (FHA|USDA|VA) 26 $5,100,000 $196,154 $10,223 3.36%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 29 $5,035,000 $173,621 $5,249 3.27%
RALEIGH-CARY, NC (FHA|USDA|VA) 23 $4,705,000 $204,565 $10,032 3.18%
PITTSBURGH, PA (FHA|USDA|VA) 23 $4,415,000 $191,957 $10,694 3.07%
Ashtabula, OH (FHA|USDA|VA) 34 $4,400,000 $129,412 $5,709 3.42%
OWENSBORO, KY (FHA|USDA|VA) 30 $4,340,000 $144,667 $5,637 3.53%
Wooster, OH (FHA|USDA|VA) 26 $4,160,000 $160,000 $5,910 3.27%
London, KY (FHA|USDA|VA) 28 $4,050,000 $144,643 $5,331 3.48%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 11 $4,035,000 $366,818 $11,641 3.07%
EVANSVILLE, IN-KY (FHA|USDA|VA) 23 $3,845,000 $167,174 $6,774 3.49%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 18 $3,830,000 $212,778 $10,862 3.34%
KNOXVILLE, TN (FHA|USDA|VA) 19 $3,715,000 $195,526 $9,199 3.14%
PORT ST. LUCIE, FL (FHA|USDA|VA) 15 $3,555,000 $237,000 $12,169 3.18%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 6 $3,540,000 $590,000 $21,643 3.06%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 16 $3,480,000 $217,500 $13,254 3.37%
TUCSON, AZ (FHA|USDA|VA) 21 $3,455,000 $164,524 $6,905 3.20%
KANSAS CITY, MO-KS (FHA|USDA|VA) 19 $3,405,000 $179,211 $9,462 3.30%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 10 $3,400,000 $340,000 $18,517 3.23%
Madisonville, KY (FHA|USDA|VA) 26 $3,340,000 $128,462 $5,339 3.47%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 15 $3,295,000 $219,667 $13,123 3.28%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 13 $2,955,000 $227,308 $7,578 3.31%
HOT SPRINGS, AR (FHA|USDA|VA) 15 $2,855,000 $190,333 $4,681 3.33%
VALLEJO, CA (FHA|USDA|VA) 8 $2,800,000 $350,000 $17,353 3.34%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 8 $2,630,000 $328,750 $13,527 3.28%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 12 $2,610,000 $217,500 $10,793 3.29%
BAKERSFIELD, CA (FHA|USDA|VA) 12 $2,530,000 $210,833 $12,162 3.49%
Fort Leonard Wood, MO (FHA|USDA|VA) 15 $2,415,000 $161,000 $5,730 3.23%
CANTON-MASSILLON, OH (FHA|USDA|VA) 14 $2,320,000 $165,714 $8,785 3.31%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 7 $2,315,000 $330,714 $9,226 3.41%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 13 $2,235,000 $171,923 $10,049 3.29%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 12 $2,190,000 $182,500 $10,376 3.16%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 4 $2,050,000 $512,500 $17,407 2.97%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 9 $1,995,000 $221,667 $10,834 3.22%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 9 $1,965,000 $218,333 $9,690 3.18%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 6 $1,880,000 $313,333 $6,916 2.79%
JONESBORO, AR (FHA|USDA|VA) 10 $1,860,000 $186,000 $5,702 3.49%
READING, PA (FHA|USDA|VA) 8 $1,830,000 $228,750 $14,293 3.31%
Middlesborough, KY (FHA|USDA|VA) 15 $1,825,000 $121,667 $6,276 3.41%
JACKSON, MI (FHA|USDA|VA) 9 $1,815,000 $201,667 $6,240 3.25%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 10 $1,800,000 $180,000 $12,134 3.21%
RENO, NV (FHA|USDA|VA) 6 $1,780,000 $296,667 $14,826 3.08%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 5 $1,735,000 $347,000 $10,196 3.33%
FORT COLLINS, CO (FHA|USDA|VA) 6 $1,720,000 $286,667 $11,972 3.02%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 6 $1,710,000 $285,000 $5,595 3.23%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 11 $1,615,000 $146,818 $8,119 3.01%
VISALIA, CA (FHA|USDA|VA) 7 $1,595,000 $227,857 $12,788 3.29%
GREELEY, CO (FHA|USDA|VA) 4 $1,580,000 $395,000 $15,110 3.19%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 6 $1,480,000 $246,667 $7,646 3.19%
SAVANNAH, GA (FHA|USDA|VA) 8 $1,480,000 $185,000 $9,486 3.34%
LOUISVILLE, KY (FHA|USDA|VA) 10 $1,440,000 $144,000 $8,151 3.40%
Wapakoneta, OH (FHA|USDA|VA) 9 $1,425,000 $158,333 $6,153 3.50%
SALEM, OR (FHA|USDA|VA) 4 $1,400,000 $350,000 $2,734 2.81%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 6 $1,390,000 $231,667 $10,655 3.04%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 6 $1,360,000 $226,667 $4,263 3.21%
FRESNO, CA (FHA|USDA|VA) 6 $1,290,000 $215,000 $11,897 3.27%
EAST STROUDSBURG, PA (FHA|USDA|VA) 6 $1,270,000 $211,667 $12,457 3.31%
Mount Pleasant, MI (FHA|USDA|VA) 9 $1,255,000 $139,444 $6,547 3.22%
SANTA FE, NM (FHA|USDA|VA) 4 $1,250,000 $312,500 $12,179 3.19%
WORCESTER, MA-CT (FHA|USDA|VA) 5 $1,245,000 $249,000 $15,562 3.40%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 4 $1,230,000 $307,500 $16,662 3.41%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 6 $1,220,000 $203,333 $5,800 3.17%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 5 $1,215,000 $243,000 $9,191 3.05%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 5 $1,185,000 $237,000 $11,041 3.08%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 7 $1,155,000 $165,000 $6,940 3.46%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 6 $1,140,000 $190,000 $10,401 3.17%
MERCED, CA (FHA|USDA|VA) 3 $1,095,000 $365,000 $16,338 3.38%
STOCKTON, CA (FHA|USDA|VA) 4 $1,090,000 $272,500 $11,429 3.25%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 4 $1,050,000 $262,500 $9,340 2.91%
EspaƱola, NM (FHA|USDA|VA) 4 $1,030,000 $257,500 $10,145 3.09%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 3 $1,015,000 $338,333 $19,024 3.21%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 5 $995,000 $199,000 $11,448 3.10%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 4 $980,000 $245,000 $11,251 3.56%
FLAGSTAFF, AZ (FHA|USDA|VA) 2 $970,000 $485,000 $40,710 3.38%
SPRINGFIELD, MA (FHA|USDA|VA) 5 $935,000 $187,000 $10,458 3.28%
Taylorville, IL (FHA|USDA|VA) 8 $930,000 $116,250 $4,695 3.36%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 6 $930,000 $155,000 $6,510 3.35%
PANAMA CITY, FL (FHA|USDA|VA) 4 $920,000 $230,000 $10,023 3.22%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $915,000 $305,000 $13,680 3.13%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 6 $910,000 $151,667 $5,883 3.44%
TALLAHASSEE, FL (FHA|USDA|VA) 5 $905,000 $181,000 $10,631 3.23%
BEND, OR (FHA|USDA|VA) 2 $890,000 $445,000 $9,087 3.13%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $890,000 $445,000 $24,836 3.13%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 5 $885,000 $177,000 $11,201 3.28%
DAYTON-KETTERING, OH (FHA|USDA|VA) 6 $880,000 $146,667 $9,912 3.02%
YUBA CITY, CA (FHA|USDA|VA) 3 $875,000 $291,667 $15,004 3.08%
Show Low, AZ (FHA|USDA|VA) 3 $865,000 $288,333 $5,804 3.13%
THE VILLAGES, FL (FHA|USDA|VA) 4 $860,000 $215,000 $9,488 3.06%
Cadillac, MI (FHA|USDA|VA) 4 $850,000 $212,500 $10,187 3.56%
WINSTON-SALEM, NC (FHA|USDA|VA) 5 $845,000 $169,000 $10,506 3.28%
PUNTA GORDA, FL (FHA|USDA|VA) 4 $840,000 $210,000 $12,403 3.44%
GREENVILLE, NC (FHA|USDA|VA) 4 $830,000 $207,500 $12,243 2.97%
Jacksonville, IL (FHA|USDA|VA) 9 $825,000 $91,667 $3,913 3.61%
ASHEVILLE, NC (FHA|USDA|VA) 4 $820,000 $205,000 $10,083 3.16%
OCALA, FL (FHA|USDA|VA) 4 $790,000 $197,500 $11,689 2.97%
FLINT, MI (FHA|USDA|VA) 4 $790,000 $197,500 $5,264 2.81%
Fernley, NV (FHA|USDA|VA) 4 $790,000 $197,500 $8,622 2.88%
MUSKEGON, MI (FHA|USDA|VA) 7 $785,000 $112,143 $5,612 3.52%
LONGVIEW, WA (FHA|USDA|VA) 4 $760,000 $190,000 $14,241 3.22%
WILMINGTON, NC (FHA|USDA|VA) 3 $745,000 $248,333 $10,110 3.04%
WILLIAMSPORT, PA (FHA|USDA|VA) 3 $735,000 $245,000 $9,726 3.71%
SALINAS, CA (FHA|USDA|VA) 2 $730,000 $365,000 $14,227 3.38%
FORT WAYNE, IN (FHA|USDA|VA) 5 $725,000 $145,000 $6,414 3.33%
Traverse City, MI (FHA|USDA|VA) 4 $720,000 $180,000 $6,271 3.28%
Escanaba, MI (FHA|USDA|VA) 6 $720,000 $120,000 $5,152 3.48%
NILES, MI (FHA|USDA|VA) 4 $700,000 $175,000 $6,153 3.56%
MONROE, MI (FHA|USDA|VA) 3 $695,000 $231,667 $3,507 3.42%
YORK-HANOVER, PA (FHA|USDA|VA) 4 $690,000 $172,500 $11,595 3.09%
Carlsbad-Artesia, NM (FHA|USDA|VA) 4 $690,000 $172,500 $6,207 3.31%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 4 $690,000 $172,500 $10,751 2.97%
Ashland, OH (FHA|USDA|VA) 5 $685,000 $137,000 $4,745 3.30%
COLUMBIA, MO (FHA|USDA|VA) 4 $660,000 $165,000 $10,291 2.91%
Alma, MI (FHA|USDA|VA) 4 $640,000 $160,000 $5,246 3.78%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 2 $640,000 $320,000 $13,402 3.06%
Adrian, MI (FHA|USDA|VA) 3 $635,000 $211,667 $8,649 3.25%
JEFFERSON CITY, MO (FHA|USDA|VA) 4 $630,000 $157,500 $10,107 3.28%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 4 $620,000 $155,000 $11,693 3.31%
Salem, OH (FHA|USDA|VA) 4 $610,000 $152,500 $8,187 3.41%
Edwards, CO (FHA|USDA|VA) 1 $605,000 $605,000 $35,149 3.63%
Breckenridge, CO (FHA|USDA|VA) 1 $605,000 $605,000 $28,703 3.00%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 3 $595,000 $198,333 $10,285 3.00%
Steamboat Springs, CO (FHA|USDA|VA) 1 $595,000 $595,000 $27,402 3.50%
BELLINGHAM, WA (FHA|USDA|VA) 2 $590,000 $295,000 $15,165 3.13%
Somerset, KY (FHA|USDA|VA) 3 $575,000 $191,667 $6,607 3.54%
WENATCHEE, WA (FHA|USDA|VA) 2 $570,000 $285,000 $18,163 2.31%
LANCASTER, PA (FHA|USDA|VA) 3 $565,000 $188,333 $11,433 3.38%
Payson, AZ (FHA|USDA|VA) 2 $560,000 $280,000 $8,004 3.25%
MODESTO, CA (FHA|USDA|VA) 3 $555,000 $185,000 $7,433 3.46%
Oak Harbor, WA (FHA|USDA|VA) 1 $555,000 $555,000 $27,742 3.13%
Glenwood Springs, CO (FHA|USDA|VA) 1 $535,000 $535,000 $31,234 3.25%
TYLER, TX (FHA|USDA|VA) 1 $525,000 $525,000 $6,080 2.88%
SPRINGFIELD, OH (FHA|USDA|VA) 4 $520,000 $130,000 $6,692 2.97%
Chillicothe, OH (FHA|USDA|VA) 2 $520,000 $260,000 $6,346 3.69%
Fallon, NV (FHA|USDA|VA) 2 $520,000 $260,000 $14,056 3.56%
GAINESVILLE, GA (FHA|USDA|VA) 3 $505,000 $168,333 $8,538 3.33%
GETTYSBURG, PA (FHA|USDA|VA) 3 $505,000 $168,333 $9,702 3.17%
NEW BERN, NC (FHA|USDA|VA) 2 $500,000 $250,000 $8,720 3.13%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $490,000 $245,000 $11,023 2.56%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 2 $490,000 $245,000 $14,532 3.19%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $485,000 $485,000 $25,748 3.50%
Aberdeen, WA (FHA|USDA|VA) 2 $480,000 $240,000 $16,877 3.63%
REDDING, CA (FHA|USDA|VA) 2 $460,000 $230,000 $10,506 3.50%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $460,000 $230,000 $10,995 3.13%
Gainesville, TX (FHA|USDA|VA) 1 $455,000 $455,000 $8,166 2.88%
FAYETTEVILLE, NC (FHA|USDA|VA) 3 $455,000 $151,667 $9,245 2.92%
SPRINGFIELD, MO (FHA|USDA|VA) 3 $455,000 $151,667 $8,113 3.08%
Clearlake, CA (FHA|USDA|VA) 2 $450,000 $225,000 $13,143 3.63%
Arkadelphia, AR (FHA|USDA|VA) 3 $445,000 $148,333 $4,928 3.42%
Plymouth, IN (FHA|USDA|VA) 2 $440,000 $220,000 $14,798 3.69%
NAPA, CA (FHA|USDA|VA) 1 $435,000 $435,000 $15,916 3.63%
Zanesville, OH (FHA|USDA|VA) 3 $435,000 $145,000 $8,156 3.46%
Moses Lake, WA (FHA|USDA|VA) 1 $435,000 $435,000 $10,625 2.88%
YAKIMA, WA (FHA|USDA|VA) 2 $420,000 $210,000 $15,596 3.06%
CARSON CITY, NV (FHA|USDA|VA) 1 $415,000 $415,000 $9,852 2.88%
ROCKY MOUNT, NC (FHA|USDA|VA) 2 $410,000 $205,000 $12,053 3.06%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $405,000 $405,000 $11,433 3.25%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $405,000 $405,000 $28,935 3.63%
Wilson, NC (FHA|USDA|VA) 2 $400,000 $200,000 $10,188 3.38%
Paducah, KY-IL (FHA|USDA|VA) 4 $400,000 $100,000 $5,792 3.56%
Cornelia, GA (FHA|USDA|VA) 2 $390,000 $195,000 $10,095 3.06%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $385,000 $385,000 $2,010 2.38%
Palatka, FL (FHA|USDA|VA) 1 $385,000 $385,000 $19,086 3.00%
GRAND JUNCTION, CO (FHA|USDA|VA) 2 $380,000 $190,000 $13,085 3.44%
COLUMBUS, GA-AL (FHA|USDA|VA) 2 $380,000 $190,000 $7,827 3.25%
Shelby, NC (FHA|USDA|VA) 2 $380,000 $190,000 $10,184 3.31%
Tifton, GA (FHA|USDA|VA) 1 $375,000 $375,000 $11,862 4.13%
North Wilkesboro, NC (FHA|USDA|VA) 2 $370,000 $185,000 $11,891 3.06%
PEORIA, IL (FHA|USDA|VA) 2 $370,000 $185,000 $3,162 3.63%
Greenville, OH (FHA|USDA|VA) 3 $365,000 $121,667 $5,308 3.75%
COLUMBIA, SC (FHA|USDA|VA) 1 $365,000 $365,000 $0 3.13%
BURLINGTON, NC (FHA|USDA|VA) 2 $360,000 $180,000 $9,267 3.13%
Montrose, CO (FHA|USDA|VA) 1 $355,000 $355,000 $14,262 3.25%
MONTGOMERY, AL (FHA|USDA|VA) 3 $355,000 $118,333 $4,788 3.83%
El Campo, TX (FHA|USDA|VA) 1 $355,000 $355,000 $7,655 3.13%
Mayfield, KY (FHA|USDA|VA) 4 $350,000 $87,500 $4,186 3.50%
Murray, KY (FHA|USDA|VA) 2 $350,000 $175,000 $5,975 3.44%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $345,000 $345,000 $15,472 3.38%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $340,000 $170,000 $10,870 3.19%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $325,000 $325,000 $13,184 3.13%
Lebanon, MO (FHA|USDA|VA) 1 $315,000 $315,000 $3,524 3.25%
Celina, OH (FHA|USDA|VA) 2 $310,000 $155,000 $4,819 3.44%
Morehead City, NC (FHA|USDA|VA) 2 $310,000 $155,000 $5,775 2.75%
GAINESVILLE, FL (FHA|USDA|VA) 2 $300,000 $150,000 $8,520 2.75%
PUEBLO, CO (FHA|USDA|VA) 1 $295,000 $295,000 $15,661 3.13%
MADERA, CA (FHA|USDA|VA) 1 $295,000 $295,000 $18,192 3.63%
St. Marys, PA (FHA|USDA|VA) 2 $290,000 $145,000 $8,558 3.13%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $280,000 $140,000 $7,154 3.19%
Selinsgrove, PA (FHA|USDA|VA) 1 $275,000 $275,000 $17,935 3.25%
Frankfort, KY (FHA|USDA|VA) 1 $275,000 $275,000 $11,284 3.75%
Sturgis, MI (FHA|USDA|VA) 1 $275,000 $275,000 $8,578 3.13%
BLOOMINGTON, IN (FHA|USDA|VA) 2 $270,000 $135,000 $9,055 3.19%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $265,000 $265,000 $9,983 3.38%
Gallup, NM (FHA|USDA|VA) 1 $265,000 $265,000 $11,619 3.50%
Fergus Falls, MN (FHA|USDA|VA) 2 $260,000 $130,000 $5,875 3.44%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $255,000 $255,000 $10,298 2.88%
TOLEDO, OH (FHA|USDA|VA) 1 $255,000 $255,000 $8,853 3.63%
Somerset, PA (FHA|USDA|VA) 1 $245,000 $245,000 $10,207 2.75%
SPRINGFIELD, IL (FHA|USDA|VA) 2 $240,000 $120,000 $3,367 3.56%
BATTLE CREEK, MI (FHA|USDA|VA) 2 $240,000 $120,000 $3,286 3.50%
West Plains, MO (FHA|USDA|VA) 1 $235,000 $235,000 $16,612 3.63%
Auburn, IN (FHA|USDA|VA) 2 $230,000 $115,000 $6,646 3.19%
Glasgow, KY (FHA|USDA|VA) 1 $225,000 $225,000 $7,775 3.13%
Tiffin, OH (FHA|USDA|VA) 1 $225,000 $225,000 $15,593 3.00%
JACKSON, TN (FHA|USDA|VA) 2 $220,000 $110,000 $7,258 3.69%
MORRISTOWN, TN (FHA|USDA|VA) 1 $215,000 $215,000 $14,011 3.00%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $215,000 $215,000 $4,147 3.25%
Summerville, GA (FHA|USDA|VA) 1 $205,000 $205,000 $14,193 3.25%
Shelton, WA (FHA|USDA|VA) 1 $205,000 $205,000 $12,811 2.88%
Pella, IA (FHA|USDA|VA) 1 $205,000 $205,000 $4,869 2.88%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $205,000 $205,000 $5,987 3.13%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $205,000 $205,000 $13,334 3.50%
Centralia, WA (FHA|USDA|VA) 1 $205,000 $205,000 $12,233 3.63%
Malvern, AR (FHA|USDA|VA) 1 $205,000 $205,000 $3,335 2.75%
BATON ROUGE, LA (FHA|USDA|VA) 1 $205,000 $205,000 $6,290 3.63%
Seymour, IN (FHA|USDA|VA) 1 $195,000 $195,000 $10,514 3.25%
Pottsville, PA (FHA|USDA|VA) 1 $195,000 $195,000 $9,389 3.88%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $195,000 $195,000 $10,186 3.38%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $195,000 $195,000 $12,309 3.25%
Marinette, WI-MI (FHA|USDA|VA) 1 $195,000 $195,000 $4,497 3.00%
Troy, AL (FHA|USDA|VA) 2 $190,000 $95,000 $6,007 3.75%
BOWLING GREEN, KY (FHA|USDA|VA) 2 $190,000 $95,000 $5,706 3.63%
Dayton, TN (FHA|USDA|VA) 1 $185,000 $185,000 $9,306 3.25%
Bainbridge, GA (FHA|USDA|VA) 1 $185,000 $185,000 $11,236 3.63%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $185,000 $185,000 $8,138 2.75%
SAGINAW, MI (FHA|USDA|VA) 2 $180,000 $90,000 $4,569 3.81%
Boone, NC (FHA|USDA|VA) 1 $175,000 $175,000 $7,913 2.88%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $175,000 $175,000 $8,643 3.00%
Lewistown, PA (FHA|USDA|VA) 1 $175,000 $175,000 $13,759 3.13%
ALTOONA, PA (FHA|USDA|VA) 1 $175,000 $175,000 $12,005 2.88%
Marion, NC (FHA|USDA|VA) 1 $175,000 $175,000 $12,625 3.38%
CaƱon City, CO (FHA|USDA|VA) 1 $175,000 $175,000 $14,380 3.25%
WHEELING, WV-OH (FHA|USDA|VA) 2 $170,000 $85,000 $6,188 3.69%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $165,000 $165,000 $7,901 3.00%
Red Bluff, CA (FHA|USDA|VA) 1 $165,000 $165,000 $8,725 2.88%
Vidalia, GA (FHA|USDA|VA) 1 $165,000 $165,000 $12,152 3.25%
Iron Mountain, MI-WI (FHA|USDA|VA) 1 $155,000 $155,000 $4,659 3.38%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $155,000 $155,000 $12,426 3.63%
Okeechobee, FL (FHA|USDA|VA) 1 $155,000 $155,000 $7,620 2.88%
Athens, TN (FHA|USDA|VA) 1 $155,000 $155,000 $7,114 3.63%
Cullowhee, NC (FHA|USDA|VA) 1 $155,000 $155,000 $7,652 3.25%
Shelbyville, TN (FHA|USDA|VA) 1 $155,000 $155,000 $11,659 3.25%
Newport, TN (FHA|USDA|VA) 1 $155,000 $155,000 $3,577 2.88%
DECATUR, IL (FHA|USDA|VA) 1 $155,000 $155,000 $2,504 3.75%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $155,000 $155,000 $7,865 3.00%
Jefferson, GA (FHA|USDA|VA) 1 $145,000 $145,000 $10,358 3.25%
Rockingham, NC (FHA|USDA|VA) 1 $145,000 $145,000 $11,479 2.38%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $145,000 $145,000 $8,331 3.75%
VALDOSTA, GA (FHA|USDA|VA) 1 $145,000 $145,000 $6,338 3.25%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $135,000 $135,000 $6,253 3.13%
Mount Sterling, KY (FHA|USDA|VA) 1 $135,000 $135,000 $5,781 3.75%
Lock Haven, PA (FHA|USDA|VA) 1 $135,000 $135,000 $12,174 3.63%
Hillsdale, MI (FHA|USDA|VA) 1 $135,000 $135,000 $7,543 3.38%
Carroll, IA (FHA|USDA|VA) 1 $135,000 $135,000 $3,429 3.25%
Sevierville, TN (FHA|USDA|VA) 1 $135,000 $135,000 $8,018 3.38%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $135,000 $135,000 $5,364 3.25%
Othello, WA (FHA|USDA|VA) 1 $135,000 $135,000 $10,296 3.25%
Ludington, MI (FHA|USDA|VA) 1 $135,000 $135,000 $3,534 2.88%
Angola, IN (FHA|USDA|VA) 1 $135,000 $135,000 $9,876 3.63%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $135,000 $135,000 $9,230 3.25%
Jasper, IN (FHA|USDA|VA) 1 $135,000 $135,000 $7,193 3.75%
Bellefontaine, OH (FHA|USDA|VA) 1 $125,000 $125,000 $6,753 3.63%
Urbana, OH (FHA|USDA|VA) 1 $125,000 $125,000 $9,923 3.38%
Bedford, IN (FHA|USDA|VA) 1 $125,000 $125,000 $9,750 3.63%
Winnemucca, NV (FHA|USDA|VA) 1 $125,000 $125,000 $5,782 3.63%
Madison, IN (FHA|USDA|VA) 1 $115,000 $115,000 $8,809 3.25%
New Castle, PA (FHA|USDA|VA) 1 $115,000 $115,000 $9,975 3.63%
Warsaw, IN (FHA|USDA|VA) 1 $115,000 $115,000 $5,207 3.13%
Defiance, OH (FHA|USDA|VA) 1 $115,000 $115,000 $6,283 3.25%
Richmond, IN (FHA|USDA|VA) 1 $105,000 $105,000 $3,068 3.25%
Washington Court House, OH (FHA|USDA|VA) 1 $105,000 $105,000 $7,421 3.63%
GOLDSBORO, NC (FHA|USDA|VA) 1 $105,000 $105,000 $5,894 3.13%
Danville, KY (FHA|USDA|VA) 1 $105,000 $105,000 $3,255 4.25%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $105,000 $105,000 $6,104 3.38%
Paragould, AR (FHA|USDA|VA) 1 $105,000 $105,000 $4,809 2.38%
Statesboro, GA (FHA|USDA|VA) 1 $105,000 $105,000 $7,753 3.63%
Crawfordsville, IN (FHA|USDA|VA) 1 $105,000 $105,000 $8,614 2.88%
FARMINGTON, NM (FHA|USDA|VA) 1 $105,000 $105,000 $4,182 3.50%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $95,000 $95,000 $5,933 3.75%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $95,000 $95,000 $4,019 3.25%
Vincennes, IN (FHA|USDA|VA) 1 $95,000 $95,000 $5,555 3.25%
JOHNSTOWN, PA (FHA|USDA|VA) 1 $95,000 $95,000 $5,647 2.75%
MANKATO, MN (FHA|USDA|VA) 1 $95,000 $95,000 $3,271 3.13%
New Castle, IN (FHA|USDA|VA) 1 $95,000 $95,000 $7,208 2.50%
Marion, OH (FHA|USDA|VA) 1 $85,000 $85,000 $5,968 3.50%
Oskaloosa, IA (FHA|USDA|VA) 1 $75,000 $75,000 $4,754 4.25%
Top Flite Financial's top markets include Phoenix, Seattle, Atlanta, Grand Rapids, and Tampa among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,471 $348,915,000 $237,196 $7,563 3.21%
    FHA 990 $214,120,000 $216,283 $12,669 3.31%
    USDA 218 $30,470,000 $139,771 $5,604 3.41%
    VA 213 $58,825,000 $276,174 $11,628 3.11%

    For 2021, Top Flite Financial's most frequently originated type of loan was Conventional, with 1,471 originations. Their 2nd most popular type was FHA, with 990 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 1,497 $361,675,000 $241,600 $12,013 3.23%
    Home Purchase 962 $193,130,000 $200,759 $6,728 3.38%
    Refi 335 $79,435,000 $237,119 $6,031 2.98%
    Other 95 $17,625,000 $185,526 $9,206 3.24%
    Home Improvement 3 $465,000 $155,000 $4,815 3.58%

    For 2021, Top Flite Financial's most frequently cited loan purpose was Cash Out Refi, with 1,497 originations. The 2nd most popular reason was Home Purchase, with 962 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,437 $559,745,000 $229,686 $9,582 3.33%
    15 Year 283 $56,845,000 $200,866 $8,446 2.70%
    20 Year 90 $18,540,000 $206,000 $9,356 2.99%
    Other 70 $15,440,000 $220,571 $10,343 3.23%
    10 Year 12 $1,760,000 $146,667 $4,861 2.71%

    For 2021, Top Flite Financial's most frequently cited loan duration was 30 Year, with 2,437 originations. The 2nd most popular length was 15 Year, with 283 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 1,456 $389,090,000 $267,232
    $1k-2k 527 $91,455,000 $173,539
    $2k-3k 289 $48,885,000 $169,152
    $4k-5k 246 $44,560,000 $181,138
    $3k-4k 240 $44,200,000 $184,167
    $<1k 134 $34,140,000 $254,776

    Top Flite Financial's average total fees were $9,582, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,456 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,904 $417,840,000 $219,454
    2.5-3% 787 $187,095,000 $237,732
    <2.5% 143 $36,985,000 $258,636
    4-5% 57 $10,215,000 $179,211
    5-6% 1 $195,000 $195,000

    During 2021, Top Flite Financial's average interest rate for loans was 3.33%, while their most frequently originated rate bucket for loans was 3-4%, with 1,904 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,332 $204,170,000 $153,281 $7,344 3.29%
    $200k-400k 1,086 $295,290,000 $271,906 $11,152 3.20%
    $100,000 or less 213 $16,555,000 $77,723 $4,285 3.38%
    $400k-600k 209 $99,275,000 $475,000 $15,372 3.17%
    $600k-1MM 51 $35,725,000 $700,490 $24,883 3.13%
    $1MM+ 1 $1,315,000 $1,315,000 $76,674 2.75%

    2021 saw Top Flite Financial place emphasis on $100k-200k loans with 1,332 originations, totaling $204,170,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 877 $169,575,000 $193,358 $8,452 3.28%
    $50k or less 695 $100,855,000 $145,115 $6,893 3.32%
    $75k-100k 565 $137,635,000 $243,602 $10,239 3.19%
    $100k-150k 465 $132,565,000 $285,086 $11,564 3.20%
    $150k-250k 229 $87,515,000 $382,162 $14,405 3.16%
    $250k+ 55 $22,735,000 $413,364 $12,027 3.27%

    Top Flite Financial lent most frequently to those with incomes in the $50k-75k range, with 877 originations. The second most popular income band? $50k or less, with 695 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 507 $108,205,000 $213,422 $8,427 3.27%
    20-30% 503 $105,965,000 $210,666 $7,912 3.24%
    50-60% 332 $82,540,000 $248,614 $14,358 3.29%
    44% 156 $35,440,000 $227,179 $9,190 3.24%
    43% 132 $32,120,000 $243,333 $10,032 3.24%
    38% 124 $25,350,000 $204,435 $8,322 3.24%
    <20% 121 $23,105,000 $190,950 $7,038 3.15%
    40% 114 $24,460,000 $214,561 $8,804 3.26%
    42% 111 $27,605,000 $248,694 $9,872 3.31%
    36% 107 $23,015,000 $215,093 $8,781 3.23%
    39% 105 $21,895,000 $208,524 $8,676 3.34%
    37% 99 $22,015,000 $222,374 $8,641 3.29%
    41% 97 $22,635,000 $233,351 $9,147 3.24%
    49% 85 $22,515,000 $264,882 $11,282 3.24%
    47% 78 $19,880,000 $254,872 $11,204 3.22%
    45% 75 $17,725,000 $236,333 $9,708 3.25%
    46% 65 $15,235,000 $234,385 $10,700 3.20%
    48% 56 $15,510,000 $276,964 $10,429 3.23%
    >60% 8 $1,790,000 $223,750 $9,218 3.13%

    Top Flite Financial lent most frequently to those with DTI ratios of 30-36%, with 507 originations. The next most common DTI ratio? 20-30%, with 503 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,407 $527,545,000 $219,171 $9,108 3.25%
    Black 191 $45,755,000 $239,555 $11,293 3.29%
    Not provided 187 $44,525,000 $238,102 $10,721 3.26%
    Asian 68 $23,460,000 $345,000 $12,804 3.26%
    American Indian 22 $4,330,000 $196,818 $8,178 3.29%
    Native Hawaiian or Islander 10 $4,160,000 $416,000 $16,863 3.08%
    Asian Indian 4 $1,630,000 $407,500 $7,675 3.25%
    Filipino 2 $640,000 $320,000 $9,299 3.25%
    Other Asian 1 $285,000 $285,000 $10,831 3.88%

    Approval Rates

    Total approvals of all applications
    93.34%

    Top Flite Financial has an average approval rate.

    Pick Rate

    Approvals leading to origination
    -92.29%

    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 2,892 $652,330,000 $225,564

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,892 $652,330,000 $225,564

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 86 $16,610,000 $193,140 $7,579 3.04%
    40-60% 433 $96,495,000 $222,852 $8,217 3.08%
    60-80% 1,099 $267,815,000 $243,690 $10,565 3.25%
    80-100% 1,228 $259,690,000 $211,474 $8,979 3.34%
    Over 100% 34 $9,800,000 $288,235 $13,285 3.06%
    Under 20% 6 $550,000 $91,667 $4,423 2.65%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    TOP FLITE FINANCIAL INC FHA mortgage Closing on a mortgage 1 100.0%