# TOP FLITE FINANCIAL, INC.

> **Canonical URL:** https://saferate.com/lenders/top-flite-financial


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


TOP FLITE FINANCIAL, INC. is a independent mortgage company, headquartered in PLYMOUTH, MI, serving borrowers across 35 states, with 2,066 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 82% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 53% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 54930030Z1JWTP3SVD16
- **Headquarters:** PLYMOUTH, MI
- **Geographic Reach:** Near-National
- **States Served:** 35
- **State List:** AL, AR, AZ, CA, CO, CT, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, NC, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI
- **Markets (MSAs):** 49
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.2%
- **Brokered/Wholesale:** 0.8%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 18/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 47/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.626%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,359
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,066
- **Dollar Volume:** $506 million
- **Applications Received:** 3,880
- **Market Share:** 6.00%

## Typical Borrower Profile

- **Average Loan Amount:** $245,131
- **Average Borrower Income:** $97,985
- **Average Property Value:** $352,686

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 54/100 | 464 | +0.508% | $3,320 | Sound ☺️ |
| FHA | 79/100 | 1,448 | +1.031% | $3,412 | Strong 😀 |
| VA | 70/100 | 129 | -0.083% | $3,731 | Strong 😀 |
| USDA | 52/100 | 22 | +1.064% | $2,072 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 306 loans, Score: 52/100 (Sound)
- Refinance: 158 loans, Score: 55/100 (Sound)

**FHA:**
- Purchase: 331 loans, Score: 70/100 (Strong)
- Refinance: 1,117 loans, Score: 87/100 (Exceptional)

**VA:**
- Purchase: 68 loans, Score: 67/100 (Strong)
- Refinance: 61 loans, Score: 53/100 (Sound)

**USDA:**
- Purchase: 22 loans, Score: 51/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 62/100 | 729 | $198M | +0.586% | Strong 😀 |
| Refinance | 71/100 | 1,337 | $309M | +0.840% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 289 | 0.10% | 66/100 |
| MI | 184 | 0.16% | 66/100 |
| OH | 143 | 0.11% | 63/100 |
| NC | 139 | 0.09% | 61/100 |
| GA | 129 | 0.09% | 62/100 |
| PA | 98 | 0.08% | 59/100 |
| IN | 97 | 0.11% | 60/100 |
| KY | 90 | 0.19% | 63/100 |
| MO | 79 | 0.11% | 57/100 |
| TN | 77 | 0.08% | 58/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 328 | 66/100 |
| Tampa, FL | FL | 66 | 60/100 |
| Atlanta | GA | 65 | 58/100 |
| St. Petersburg | FL | 65 | 66/100 |
| Charlotte | NC-SC | 63 | 60/100 |
| Las Vegas | NV | 58 | 60/100 |
| Phoenix | AZ | 47 | 53/100 |
| Warren | MI | 38 | 53/100 |
| Grand Rapids | MI | 36 | 53/100 |
| Cleveland, OH | OH | 32 | 53/100 |
| Indianapolis | IN | 32 | 52/100 |
| St. Louis, MO | MO-IL | 31 | 51/100 |
| Cincinnati, OH |  | 30 | 52/100 |
| Kansas City, MO | MO-KS | 29 | 50/100 |
| Lake County | IN | 24 | 53/100 |

## Where This Lender Ranks

TOP FLITE FINANCIAL, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#9** in Bay City, MI for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bay-city-mi/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does TOP FLITE FINANCIAL, INC. offer?

TOP FLITE FINANCIAL, INC. offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does TOP FLITE FINANCIAL, INC. offer mortgages?

TOP FLITE FINANCIAL, INC. offers mortgages in 35 states: AL, AR, AZ, CA, CO, CT, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, NC, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI.

### How competitive are TOP FLITE FINANCIAL, INC.'s mortgage rates?

TOP FLITE FINANCIAL, INC. has a pricing score of 18/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.626% above market average.

### What type of lender is TOP FLITE FINANCIAL, INC.?

TOP FLITE FINANCIAL, INC. is a non-depository lender that specializes in mortgage origination, headquartered in PLYMOUTH, MI.

### What is TOP FLITE FINANCIAL, INC.'s loan approval success rate?

TOP FLITE FINANCIAL, INC. has a pull-through score of 47/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/top-flite-financial

### How to Cite

> "TOP FLITE FINANCIAL, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/top-flite-financial

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