Lender in Michigan · HMDA 2025
Top Flite Financial, Inc. mortgages in Michigan
Top Flite Financial, Inc.'s 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
Top Flite Financial, Inc. originated 233 owner-occupied single-family loans in Michigan from 261 completed applications.
Its median conventional purchase loan costs were $5,660 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.75% (Michigan: 6.625%).
Loans in MI
233
of 261 applications
Denial rate
6.7%
Purchase · MI 7.8%
Rate spread
+0.49 pts
Conv. · MI +0.23 pts
Loan amount
$205,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 164 | 151 | 6.7% | 6.750% | +0.49 pts | $5,660 | $205,000 |
| Refinance | 11 | 9 | — | — | — | — | — |
| Cash-out refinance | 86 | 73 | 14.0% | — | — | — | $165,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where Top Flite Financial, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Bay County | 15 | 23 | 1.7% |
| Oscoda County | 19 | 1 | 1.1% |
| Barry County | 21 | 12 | 1.3% |
| Montmorency County | 22 | 1 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology