Applications / Mortgage Analytics / Lenders / Michigan / Top Flite Financial
Williamston, MI · Independent non-bank lender · CFPB · 3,061 loans in 2025
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3,061
loans originated, 2025
5,594
applications, 2025
39
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Top Flite Financial, a Michigan mortgage company lending in 39 states, is built on loans insured by the Federal Housing Administration (FHA), which made up nearly two-thirds of its business in 2025.
FHA loans were 62.3% of its lending, against 22.9% at similar lenders (independent mortgage companies making between half and twice as many loans), more than at almost any of them. Five years earlier the share was 27.2%, so the tilt is recent. Conventional loans, 57.1% of its book then, were 32.1%. More than half its loans, 54.8%, were refinancings.
Low- and moderate-income (LMI) borrowers took 45.6% of its loans, against 28.3% at similar lenders, higher than at about nineteen in twenty of them. Loans in LMI neighborhoods were 25.6%, against 19.1%. Its typical loan, $215,000, was well below the peers' $315,000. Its heavy FHA lending and smaller loans point the same way.
It made 3,061 loans in 2025, up 24%, while similar lenders grew 12% and the whole market 10%. That returns it to roughly its 2020 level of 3,008, after four years between 2,469 and 2,892.
Florida is its main state, but it lends in 282 metros and is a small player in the biggest, such as Atlanta and Tampa. Greeley is the exception, where its share of lending rose sharply in 2025.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Top Flite Financial took 5,594 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 54.8% · Purchase 41.4% · Home improvement 3.8%
FHA 62.3% · Conventional 32.1% · VA 4.6% · USDA (RHS or FSA) 1.0% · of 3,061 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 458 | 15.0% |
| Georgia | 334 | 10.9% |
| Colorado | 273 | 8.9% |
| Michigan | 253 | 8.3% |
| Ohio | 173 | 5.7% |
| North Carolina | 169 | 5.5% |
| Tennessee | 155 | 5.1% |
| Pennsylvania | 126 | 4.1% |
| Indiana | 115 | 3.8% |
| Missouri | 94 | 3.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Greeley | 204 |
| Atlanta-Sandy Springs-Roswell | 193 |
| St. Petersburg-Clearwater-Largo | 89 |
| Tampa | 84 |
| Grand Rapids-Wyoming-Kentwood | 79 |
| Charlotte-Concord-Gastonia | 52 |
| Phoenix-Mesa-Chandler | 50 |
| Cleveland | 47 |
| Fort Lauderdale-Pompano Beach-Sunrise | 46 |
| Cincinnati | 40 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930030Z1JWTP3SVD16 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4731067 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7134225190 |
Established 3 December 2002. Reported under HMDA 2013-2025.
Mergers, name changes, data editions and corrections: Top Flite Financial's data.
Top Flite Financial's data
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Top Flite Financial and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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