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TOP FLITE FINANCIAL, INC.
Independent Mortgage Company|PLYMOUTH, MI|Near-National
Loans Originated
2,066
Applications
3,880
Volume
$506 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.626%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,359
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
53.2%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in FHA and VA loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 63 basis points above market average
Report Card
TOP FLITE FINANCIAL, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 49 metro areas · 35 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$245,131
Average Borrower Income
$97,985
Average Property Value
$352,686
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Sound | Acceptable | Acceptable | 464 | 22.5% | +0.508% | $3,320 |
FHA Loans | Acceptable | Strong | Mediocre | Sound | 1,448 | 70.1% | +1.031% | $3,412 |
VA Loans | Acceptable | Strong | Mediocre | Sound | 129 | 6.2% | -0.083% | $3,731 |
USDA Loans | Acceptable | Sound | N/A | Acceptable | 22 | 1.1% | +1.064% | $2,072 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Strong | Mediocre | Sound | 729 | 35.3% | +0.586% | $3,362 |
Refinance | Acceptable | Strong | Mediocre | Sound | 1,337 | 64.7% | +0.840% | $3,342 |
Geographic Coverage
Metro Areas
48
States Served
35
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACOCTFLGAIAIDILINKSKYLAMAMDMEMIMNMONCNMNVOHOKORPASCTNTXUTVAWAWI
Top Metro Areas by Place Specialization Score
1
St. Petersburg, FLMSA
Volume: 65Mix: 3.15%
Place Specialization
Strong
2
Tampa, FL, FLMSA
Volume: 66Mix: 3.19%
Place Specialization
Strong
3
Las Vegas, NVMSA
Volume: 58Mix: 2.81%
Place Specialization
Strong
4
Charlotte, NC-SCMSA
Volume: 63Mix: 3.05%
Place Specialization
Strong
5
Atlanta, GAMSA
Volume: 65Mix: 3.15%
Place Specialization
Sound
6
Lake County, INMSA
Volume: 24Mix: 1.16%
Place Specialization
Sound
7
Grand Rapids, MIMSA
Volume: 36Mix: 1.74%
Place Specialization
Sound
8
Phoenix, AZMSA
Volume: 47Mix: 2.27%
Place Specialization
Sound
9
Warren, MIMSA
Volume: 38Mix: 1.84%
Place Specialization
Sound
10
Cleveland, OH, OHMSA
Volume: 32Mix: 1.55%
Place Specialization
Sound
Showing 10 of 48 metro areas
Top States by Place Specialization Score
1
FLState
Volume: 289Mix: 13.99%
Place Specialization
Strong
2
MIState
Volume: 184Mix: 8.91%
Place Specialization
Strong
3
KYState
Volume: 90Mix: 4.36%
Place Specialization
Strong
4
OHState
Volume: 143Mix: 6.92%
Place Specialization
Strong
5
GAState
Volume: 129Mix: 6.24%
Place Specialization
Strong
6
NCState
Volume: 139Mix: 6.73%
Place Specialization
Strong
7
NVState
Volume: 66Mix: 3.19%
Place Specialization
Strong
8
INState
Volume: 97Mix: 4.70%
Place Specialization
Sound
9
PAState
Volume: 98Mix: 4.74%
Place Specialization
Sound
10
TNState
Volume: 77Mix: 3.73%
Place Specialization
Sound
Showing 10 of 31 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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