Top Flite Financial NMLS #4181
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Who is Top Flite Financial?
Top Flite Financial (NMLS #4181) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Is Top Flite Financial legit?
Here's what public licensing records show. Top Flite Financial holds mortgage licenses in 39 states, including Alaska, Arizona, Arkansas, California, Colorado (NMLS ID #4181, per NMLS records as of October 1, 2026). FreeRateUpdate does not rate, endorse or vouch for lenders. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
Key Facts
- Lender or brokerTop Flite Financial
- NMLS #4181
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
- Biography reviewed byPaige Sutton, NMLS #1888684 ()
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Reported application outcomes and pricing, 2025
- Filed asTOP FLITE FINANCIAL, INC.
- 2025 home loan decisionsOf 3,516 applications decided by TOP FLITE FINANCIAL, INC. in 2025, 3,061 were originated, 40 were approved but not accepted by the borrower, and 415 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 88.2%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 1,860 applications were withdrawn by the borrower, 218 were closed for incompleteness, and 0 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread1.048 percentage points above the average prime offer rate (reported on 3,061 originations)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$10,832.48 — originated closed-end household loans, 2025, 3,006 of 3,015 loans. FFIEC HMDA data browser.
- Median origination charges$6,277.17 — originated closed-end household loans, 2025, 3,015 loans. FFIEC HMDA data browser.
- Median lender credits$116.50 — originated closed-end household loans, 2025, 1,776 of 3,015 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types982 Conventional, 1,908 FHA, 140 VA, 31 USDA — of 3,061 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for TOP FLITE FINANCIAL, INC. — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
About Top Flite Financial
Overview
Top Flite Financial is a mortgage company that works with homeowners on refinancing and home-equity borrowing. A separate commercial lending channel provides business financing for property, construction or improvement projects, working capital, equipment, and acquisitions.
Mortgage options
Mortgage options include cash-out refinancing for home equity access and debt consolidation, rate-term refinancing, home equity loans, and reverse mortgage loans.
Locations
Top Flite Financial has 69 branches across 25 states.
Company details and licensing
Top Flite Financial, Inc. is a corporation headquartered at 201 School St., Suite 200, Williamston, Michigan 48895. It was formed in Michigan on December 3, 2002. Supported trade names include Haven Home Equity, Top Flite Home Loans, and Top Flite Commercial.
NMLS company ID: 4181. Licensing is verifiable through NMLS Consumer Access.
Verify NMLS #4181 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS Consumer Access, looked up rather than cited from a dated record. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Frequently Asked Questions
Is Top Flite Financial legit?
Here's what public licensing records show. Top Flite Financial holds mortgage licenses in 39 states, including Alaska, Arizona, Arkansas, California, Colorado (NMLS ID #4181, per NMLS records as of October 1, 2026). FreeRateUpdate does not rate, endorse or vouch for lenders. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
What is Top Flite Financial's NMLS number?
Top Flite Financial's NMLS number is 4181. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Top Flite Financial's NMLS ID?
Yes. We checked Top Flite Financial's company name and NMLS ID against the NMLS record on August 7, 2026. They've been in our lender network since July 2011. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Top Flite Financial?
This page has Top Flite Financial's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.