Top Flite Financial, Inc.: 2025 mortgage rates, costs & approvals
How Top Flite Financial, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: TOP FLITE FINANCIAL, INC. · LEI 54930030Z1JWTP3SVD16
In 2025, Top Flite Financial, Inc. originated 2,624 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 40 states — 219th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 25 basis points above the national median. Median conventional loan costs were $5,640, about the same as the national median ($5,570).
It denied 7.4% of completed home-purchase applications (all lenders: 8.5%).
How Top Flite Financial, Inc. priced home-purchase loans
| Purchase loans, 2025 | Top Flite Financial, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.500% | 6.250% |
| 30-year fixed rate · VA | 6.500% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.38 pts | +0.13 pts |
| Total loan costs · conventional | $5,640 | $5,570 |
| Total loan costs · FHA | $9,730 | $11,310 |
| Total loan costs · VA | $8,430 | $6,490 |
| Origination charges (all types) | $2,460 | $1,860 |
| Borrowers paying discount points | 65.9% | 51.3% |
| Points paid, when paid (% of loan) | 1.32% | 0.87% |
| Borrowers receiving lender credits | 64.9% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Top Flite Financial, Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Top Flite Financial, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Florida | 372 | 412 | 4.9% | 6.625% | $5,640 |
| Georgia | 293 | 331 | 7.3% | 6.625% | $5,420 |
| Michigan | 233 | 261 | 6.7% | 6.750% | $5,660 |
| Colorado | 170 | 178 | 0.7% | 6.500% | $6,080 |
| Ohio | 154 | 183 | 2.4% | — | — |
| North Carolina | 145 | 174 | 8.6% | — | — |
| Tennessee | 130 | 146 | 10.0% | 6.490% | $5,220 |
| Pennsylvania | 115 | 131 | — | — | — |
| Indiana | 104 | 118 | — | — | — |
| Missouri | 84 | 95 | — | — | — |
| Kentucky | 74 | 86 | — | — | — |
| South Carolina | 69 | 79 | — | — | — |
| California | 66 | 73 | — | — | — |
| Arizona | 64 | 75 | 8.7% | — | — |
| Massachusetts | 59 | 70 | — | — | — |
| Arkansas | 50 | 61 | 14.3% | — | — |
| Virginia | 50 | 61 | — | — | — |
| Alabama | 49 | 55 | — | — | — |
| Connecticut | 43 | 48 | — | — | — |
| Wisconsin | 41 | 51 | — | — | — |
| Louisiana | 32 | 41 | — | — | — |
| Washington | 28 | 36 | — | — | — |
| Nevada | 28 | 35 | 20.0% | — | — |
| Minnesota | 28 | 34 | — | — | — |
| Maryland | 23 | 30 | — | — | — |
| Oregon | 21 | 25 | — | — | — |
| Kansas | 15 | 17 | — | — | — |
| Idaho | 14 | 14 | — | — | — |
| Maine | 12 | 14 | — | — | — |
| New Mexico | 11 | 16 | — | — | — |
| Oklahoma | 10 | 11 | — | — | — |
| Utah | 10 | 11 | — | — | — |
| Illinois | 8 | 11 | — | — | — |
| New Jersey | 6 | 7 | — | — | — |
| Texas | 6 | 7 | — | — | — |
| North Dakota | 2 | 3 | — | — | — |
| Iowa | 2 | 2 | — | — | — |
| Wyoming | 2 | 2 | — | — | — |
| Mississippi | 1 | 1 | — | — | — |
| Montana | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Top Flite Financial, Inc.'s page for that state.
Counties where Top Flite Financial, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Adams County, ND | 1 | 2 | 18.2% |
| Rawlins County, KS | 7 | 1 | 9.1% |
| Pike County, GA | 3 | 23 | 7.2% |
| Worth County, MO | 6 | 1 | 5.9% |
| Upson County, GA | 4 | 16 | 5.2% |
| Putnam County, MO | 5 | 1 | 5.0% |
| Lamar County, GA | 7 | 11 | 3.2% |
| Dallas County, AR | 8 | 1 | 2.8% |
| Desha County, AR | 9 | 1 | 2.2% |
| Spalding County, GA | 11 | 23 | 2.2% |
| Bell County, KY | 11 | 2 | 2.0% |
| Meriwether County, GA | 8 | 6 | 2.0% |
| Hempstead County, AR | 11 | 3 | 2.0% |
| Adams County, ID | 13 | 1 | 2.0% |
| Johnson County, GA | 12 | 1 | 1.9% |
Check Top Flite Financial, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 54930030Z1JWTP3SVD16.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Top Flite Financial, Inc. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology