What loan types does Top Flite Financial offer?

Top Flite Financial offers the following mortgage loan types: FHA, Conventional, VA, usda. Each product has its own pricing score and performance metrics.

Where does Top Flite Financial offer mortgages?

Top Flite Financial 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's mortgage rates?

Top Flite Financial has an overall pricing score of 18.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Top Flite Financial?

Top Flite Financial is a Independent Mortgage Company headquartered in PLYMOUTH, MI.

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Top Flite Financial

Independent Mortgage Company•Plymouth, MIHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Top Flite Financial — 2.1k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA · USDA

Place

Sound

3/5

Near-National · 48 mkts

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

Explore another lender or local market

Report Card

Top Flite Financial performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+62.6 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

FHA

Strong

Top 40% of lenders

Strong

Top 40% of lenders

USDA

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 49 markets

Sound

Top 60% of lenders

Loan Product Performance

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%Above	$3,320Fees
FHA Loans	Sound	Strong	Mediocre	Sound	1,448	70.1%	+1.031%Above	$3,412Fees
VA Loans	Sound	Strong	Mediocre	Sound	129	6.2%	-0.083%Below	$3,731Fees
USDA Loans	Acceptable	Sound	—	Acceptable	22	1.1%	+1.064%Above	$2,072Fees

Conventional

Overall

Acceptable

Product

Sound

Pricing

Acceptable

Pull Through

Acceptable

Volume464

Mix22.5%

Spread

+0.508%Above

Fees

$3,320Fees

FHA Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Sound

Volume1,448

Mix70.1%

Spread

+1.031%Above

Fees

$3,412Fees

VA Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Sound

Volume129

Mix6.2%

Spread

-0.083%Below

Fees

$3,731Fees

USDA Loans

Overall

Acceptable

Product

Sound

Pricing—

Pull Through

Acceptable

Volume22

Mix1.1%

Spread

+1.064%Above

Fees

$2,072Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Mediocre	Sound	729	35.3%	+0.586%Above	$3,362Fees
Refinance	Sound	Strong	Mediocre	Sound	1,337	64.7%	+0.840%Above	$3,342Fees

Purchase

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Sound

Volume729

Mix35.3%

Spread

+0.586%Above

Fees

$3,362Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Sound

Volume1,337

Mix64.7%

Spread

+0.840%Above

Fees

$3,342Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

2,066

Applications

3,880

Volume

$506 million

Pricing & Closing

Avg Rate Spread

+0.626%

vs. market APOR

Avg Net Fees

$3,359

Origination − Credits

Pullthrough Rate

53.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$245,131

Avg Borrower Income

$97,985

Avg Property Value

$352,686

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast4

CTMEMAPA

Midwest9

IAILINKSMIMNMOOHWI

South13

ALARFLGAKYLAMDNCOKSCTNTXVA

West9

AZCACOIDNMNVORUTWA

Top Metro Areas by Place Specialization Score

1© Jrozwado · CC BY-SA 4.0

St. Petersburg, FLMetro

Volume 65Mix 3.15% of portfolio

66/100

Strong

2© Interface Multimedia, Inc. · CC BY-SA 4.0

Tampa, FLMetro

Volume 66Mix 3.19% of portfolio

60/100

Strong

3© Roman Eugeniusz · CC BY-SA 3.0

Las Vegas, NVMetro

Volume 58Mix 2.81% of portfolio

60/100

Strong

4© chucka_nc · CC BY-SA 2.0

Charlotte, NC-SCMetro

Volume 63Mix 3.05% of portfolio

60/100

Strong

5© Warren LeMay from Cincinnati, OH, United States · CC0

Atlanta, GAMetro

Volume 65Mix 3.15% of portfolio

58/100

Sound

Lake County, INMetro

Volume 24Mix 1.16% of portfolio

53/100

Sound

Grand Rapids, MIMetro

Volume 36Mix 1.74% of portfolio

53/100

Sound

Phoenix, AZMetro

Volume 47Mix 2.27% of portfolio

53/100

Sound

Warren, MIMetro

Volume 38Mix 1.84% of portfolio

53/100

Sound

Cleveland, OHMetro

Volume 32Mix 1.55% of portfolio

53/100

Sound

Showing 10 of 48 metro areas

Top States by Place Specialization Score

FloridaState

Volume 289Mix 13.99% of portfolio

66/100

Strong

MichiganState

Volume 184Mix 8.91% of portfolio

66/100

Strong

KentuckyState

Volume 90Mix 4.36% of portfolio

63/100

Strong

OhioState

Volume 143Mix 6.92% of portfolio

63/100

Strong

GeorgiaState

Volume 129Mix 6.24% of portfolio

62/100

Strong

North CarolinaState

Volume 139Mix 6.73% of portfolio

61/100

Strong

NevadaState

Volume 66Mix 3.19% of portfolio

61/100

Strong

IndianaState

Volume 97Mix 4.70% of portfolio

60/100

Sound

PennsylvaniaState

Volume 98Mix 4.74% of portfolio

59/100

Sound

TennesseeState

Volume 77Mix 3.73% of portfolio

58/100

Sound

Showing 10 of 31 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.