TOP FLITE FINANCIAL, INC.: what its borrowers actually paid (2025)
TOP FLITE FINANCIAL, INC. reported 1,239 closed first-lien, owner-occupied home loans in 2025 under HMDA, across 98 counties in 22 states, and 819 in 2024. The table below shows its median rates and costs in the counties where it lent most, next to each county's all-lender median, so you can see at a glance where this lender's closed loans landed relative to the local market.
Home purchase
674 loans
across 45 counties with at least 5 such loans, 2025.
Refinance
565 loans
across 76 counties with at least 5 such loans, 2025.
Where TOP FLITE FINANCIAL, INC. stands
Statewide, TOP FLITE FINANCIAL, INC. ranks #135 of 490 lenders in Florida by 2025 closed loans in this dataset, purchase and refinance combined. Below, its standing in the counties where it closed the most purchase loans in 2025. Loan-count ranks include every lender that reported at least 5 loans in the county; rate and cost ranks compare only lenders with at least 30 closed purchase loans there, so a one-off low median never outranks a lender with real volume.
| County | Loans | By closed loans | By lowest median rate | By lowest median costs |
|---|---|---|---|---|
| Weld County, CO | 115 | #11 of 118 | #29 of 41 | #19 of 40 |
| Pinellas County, FL | 65 | #32 of 185 | #41 of 60 | #24 of 60 |
| Kent County, MI | 39 | #30 of 100 | #16 of 35 | #32 of 34 |
| Pasco County, FL | 30 | #61 of 183 | #29 of 62 | #13 of 62 |
| Broward County, FL | 29 | #84 of 217 | under 30-loan floor | under 30-loan floor |
| Pike County, GA | 24 | #1 of 10 | under 30-loan floor | under 30-loan floor |
| Hillsborough County, FL | 22 | #100 of 214 | under 30-loan floor | under 30-loan floor |
| Marion County, FL | 21 | #68 of 141 | under 30-loan floor | under 30-loan floor |
| Bay County, MI | 21 | #14 of 37 | under 30-loan floor | under 30-loan floor |
| Spalding County, GA | 19 | #10 of 33 | under 30-loan floor | under 30-loan floor |
Ranks describe 2025 closed purchase loans reported under HMDA, not current pricing. "Of N" counts the lenders eligible for that ranking: every reporting lender for loan counts, lenders with 30 or more such loans for rate and cost ranks.
County by county
Each row is this lender's median among its own closed loans in that county, with the county's all-lender median beneath it for comparison. Origination is the lender's own charges (Loan Estimate section A); points is the discount-points portion. County pages link to the full local picture.
| County | Loans | Median rate | Total costs | Origination | Points | Loan amount |
|---|---|---|---|---|---|---|
| Weld County, CO | 115 | 6.5%county 6.25% | $8,381county $8,333 | $613 | $4,419 | $375,000county $435,000 |
| Pinellas County, FL | 65 | 6.624%county 6.5% | $6,840county $7,644 | $2,033 | $3,437 | $325,000county $355,000 |
| Kent County, MI | 39 | 6.625%county 6.5% | $7,328county $4,166 | $2,928 | $3,471 | $235,000county $285,000 |
| Pasco County, FL | 30 | 6.433%county 6.125% | $5,810county $8,360 | $1,650 | $2,704 | $285,000county $325,000 |
| Broward County, FL | 29 | 6.625%county 6.5% | $9,206county $10,856 | $1,945 | $1,551 | $395,000county $435,000 |
| Pike County, GA | 24 | 6.562%county 6.49% | $6,388county $7,954 | $1,185 | $3,239 | $300,000county $360,000 |
| Hillsborough County, FL | 22 | 6.495%county 6.375% | $6,363county $9,021 | $1,595 | $2,125 | $320,000county $365,000 |
| Marion County, FL | 21 | 6.875%county 6.375% | $5,356county $7,752 | $1,525 | $73 | $195,000county $255,000 |
| Bay County, MI | 21 | 6.75%county 6.625% | $6,119county $4,161 | $3,714 | $2,126 | $155,000county $155,000 |
| Spalding County, GA | 19 | 6.375%county 6.375% | $7,624county $7,566 | $2,359 | $3,416 | $265,000county $255,000 |
| Maricopa County, AZ | 17 | 6.625%county 6.25% | $5,826county $8,540 | $186 | $2,540 | $415,000county $415,000 |
| Fulton County, GA | 15 | 6.375%county 6.375% | $12,103county $8,300 | $4,201 | $10,672 | $605,000county $395,000 |
| Upson County, GA | 15 | 6.5%county 6.375% | $6,383county $8,099 | $1,636 | $1,610 | $215,000county $225,000 |
| Clark County, NV | 15 | 6.75%county 6.25% | $12,154county $8,434 | $2,997 | $6,024 | $415,000county $405,000 |
| Cuyahoga County, OH | 15 | 6.5%county 6.575% | $6,808county $5,355 | $2,440 | $922 | $255,000county $225,000 |
| Lee County, FL | 13 | 6.375%county 6.375% | $5,862county $9,372 | $1,595 | $3,910 | $315,000county $325,000 |
| Henry County, GA | 11 | 6.25%county 6.181% | $10,376county $10,132 | $4,517 | $3,135 | $245,000county $325,000 |
| Barry County, MI | 11 | 6.625%county 6.625% | $7,818county $4,347 | $2,983 | $3,104 | $215,000county $235,000 |
| Macomb County, MI | 11 | 6.625%county 6.625% | $6,560county $4,681 | $3,639 | $2,579 | $195,000county $235,000 |
| Lamar County, GA | 10 | 6.5%county 6.375% | $5,176county $7,852 | $0 | $4,576 | $335,000county $285,000 |
| Allegan County, MI | 9 | 6.625%county 6.625% | $9,471county $4,371 | $3,958 | $4,973 | $255,000county $275,000 |
| Washington County, TN | 9 | 5.99%county 6.5% | $8,267county $5,600 | $4,147 | $3,400 | $315,000county $295,000 |
| Garland County, AR | 8 | 6.624%county 6.625% | $4,643county $4,721 | $1,393 | $447 | $230,000county $215,000 |
| Palm Beach County, FL | 8 | 6.562%county 6.5% | $13,038county $9,356 | $8,325 | $8,883 | $455,000county $435,000 |
| Knox County, TN | 8 | 6.557%county 6.49% | $8,107county $6,968 | $4,397 | $3,145 | $325,000county $335,000 |
| Miami-Dade County, FL | 7 | 7%county 6.5% | $11,884county $13,325 | $3,254 | $3,449 | $375,000county $505,000 |
| Polk County, FL | 7 | 6.75%county 6.125% | $9,811county $9,426 | $2,406 | $1,688 | $295,000county $295,000 |
| Clayton County, GA | 7 | 6.25%county 6.375% | $6,315county $9,339 | $0 | $2,548 | $225,000county $255,000 |
| Muskegon County, MI | 7 | 6.625%county 6.625% | $6,245county $4,346 | $1,525 | $55 | $165,000county $205,000 |
| Washington County, OR | 7 | 6.75%county 6.375% | $10,555county $6,919 | $1,203 | $4,352 | $615,000county $475,000 |
| Larimer County, CO | 6 | 6.312%county 6.375% | $11,330county $5,500 | $6,104 | $6,392 | $465,000county $445,000 |
| Brevard County, FL | 6 | 6.688%county 6.375% | $7,420county $7,413 | $4,241 | $5,565 | $280,000county $325,000 |
| DeKalb County, GA | 6 | 6.625%county 6.375% | $8,330county $7,786 | $2,128 | $3,730 | $230,000county $335,000 |
| Lorain County, OH | 6 | 6.625%county 6.5% | $7,028county $5,335 | $1,678 | $972 | $255,000county $245,000 |
| Adams County, CO | 5 | 6.375%county 6.125% | $15,539county $9,102 | $3,399 | $20,860 | $565,000county $455,000 |
| Citrus County, FL | 5 | 6.875%county 6.5% | $6,505county $7,332 | $1,595 | $1,286 | $245,000county $245,000 |
| Hernando County, FL | 5 | 6.5%county 6.375% | $7,426county $8,957 | $2,274 | $2,979 | $245,000county $295,000 |
| Seminole County, FL | 5 | 6.49%county 6.49% | $6,158county $8,381 | $1,595 | $3,652 | $335,000county $375,000 |
| Meriwether County, GA | 5 | 6.5%county 6.5% | $6,628county $7,471 | $0 | $2,725 | $275,000county $255,000 |
| Lake County, IN | 5 | 6.624%county 6.625% | $4,375county $4,609 | $1,874 | $552 | $325,000county $255,000 |
| Ottawa County, MI | 5 | 6.625%county 6.5% | $4,897county $4,026 | $0 | $2,021 | $285,000county $305,000 |
| Gaston County, NC | 5 | 6.75%county 6.375% | $10,890county $6,083 | $3,068 | $2,530 | $245,000county $305,000 |
| Mecklenburg County, NC | 5 | 6.99%county 6.375% | $13,013county $5,532 | $6,808 | $3,337 | $315,000county $395,000 |
| Tulsa County, OK | 5 | 6.49%county 6.5% | $8,547county $6,696 | $2,241 | $1,311 | $215,000county $255,000 |
| Sullivan County, TN | 5 | 5.875%county 6.625% | $9,275county $5,613 | $3,668 | $3,391 | $235,000county $235,000 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages, in county groups of at least 5 loans. These are medians of loans that already closed, not advertised offers, and the public file contains no credit scores. A lender whose customers skew toward larger loans, stronger credit, or paying discount points will show different medians than its neighbors at identical pricing. The methodology page documents every step.
The way to compare actual offers is the Loan Estimate: every lender must give you one within 3 business days of application, on the same standardized form, and its origination charges are binding. If you have one in hand, the checker compares it against your county's figures in your browser.
Common questions
What mortgage rates did TOP FLITE FINANCIAL, INC. borrowers get in 2025?
Across the counties where TOP FLITE FINANCIAL, INC. closed the most home-purchase loans in 2025, its county median rates ran from 5.875% to 7%. Each figure is a median of closed loans reported under HMDA, not an advertised offer, and the table on this page shows each county next to its all-lender benchmark.
Can I get these rates from TOP FLITE FINANCIAL, INC. today?
Not from this page. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. To learn your own number, apply and get a Loan Estimate, which federal rules require within 3 business days and make close to free.
Why might TOP FLITE FINANCIAL, INC.'s medians differ from the county median?
Partly pricing, partly customer mix. The public HMDA file contains no credit scores, so a lender serving stronger-credit borrowers, larger loans, or borrowers who paid points will show different medians than its neighbors at identical pricing.
Where does this data come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in county groups of at least 5.