Top Flite Financial
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
Promptness
Not enough data
—/5
No quote responses measured yet
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
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
464 loans · 0.51% above market
Sound
Top 60% of lenders
3/5
FHA
1,448 loans · 1.03% above market
Strong
Top 40% of lenders
4/5
VA
129 loans · 0.08% below market
Strong
Top 40% of lenders
4/5
USDA
22 loans · 1.06% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
729 loans · 0.59% above market
Strong
Top 40% of lenders
4/5
Refinance
1,337 loans · 0.84% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 49 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 464 | 22.5% | +0.508%Above | $3,320Fees | ||||
FHA Loans | 1,448 | 70.1% | +1.031%Above | $3,412Fees | ||||
VA Loans | 129 | 6.2% | -0.083%Below | $3,731Fees | ||||
USDA Loans | — | 22 | 1.1% | +1.064%Above | $2,072Fees |
Conventional
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughAcceptable
Volume464
Mix22.5%
Spread
+0.508%Above
Fees
$3,320Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume1,448
Mix70.1%
Spread
+1.031%Above
Fees
$3,412Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume129
Mix6.2%
Spread
-0.083%Below
Fees
$3,731Fees
USDA Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughAcceptable
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 | 729 | 35.3% | +0.586%Above | $3,362Fees | ||||
Refinance | 1,337 | 64.7% | +0.840%Above | $3,342Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume729
Mix35.3%
Spread
+0.586%Above
Fees
$3,362Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
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
48
markets with activity
States Served
35
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
35Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast4
CTMEMAPA
Midwest9
IAILINKSMIMNMOOHWI
South13
ALARFLGAKYLAMDNCOKSCTNTXVA
West9
AZCACOIDNMNVORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 48 metro areas
Top States by Place Specialization Score
Showing 10 of 31 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.