{ "canonical_url": "https://lendb.ai/lender/top-flite-financial-inc-4181", "summary": "Top Flite Financial, Inc. (company NMLS 4181) is an independent mortgage lender. LenDb lists 187 of its loan officers, with branches in 22 states, each with an individual NMLS ID, licensed states and sources.", "lender": { "nmls_id": 4181, "slug": "top-flite-financial-inc-4181", "canonical_url": "https://lendb.ai/lender/top-flite-financial-inc-4181", "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/4181", "name": { "value": "Top Flite Financial, Inc.", "source": "state_regulator", "source_url": "https://tfhomeloans.com/", "verified_at": "2026-10-13" }, "dba_names": [], "type": "imb", "website": { "value": "https://tfhomeloans.com/", "source": "state_regulator", "source_url": "https://tfhomeloans.com/", "verified_at": "2026-10-13" }, "lo_directory_url": "https://tfhomeloans.com/loan-officers/", "hq_state": null, "loan_programs": { "value": [], "source": "state_regulator", "source_url": "https://tfhomeloans.com/", "verified_at": "2026-10-13" }, "program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08", "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot" } ], "activity": { "source": "HMDA", "source_name": "HMDA, FFIEC/CFPB", "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025", "as_of_year": 2025, "scope": "Home loans the lender funded and reported under HMDA: closed-end mortgages on 1 to 4 unit homes (no home equity lines or reverse mortgages)", "third_party_share": 0.003, "includes_brokered": false, "years": [ { "year": 2025, "loans": 3061, "by_loan_type": { "conventional": 982, "fha": 1908, "va": 140, "usda": 31 }, "purchase": 1266, "refinance": 1678, "other_purpose": 117, "jumbo": 7, "investor": 43, "volume_usd": 749785000 }, { "year": 2024, "loans": 2469, "by_loan_type": { "conventional": 584, "fha": 1729, "va": 134, "usda": 22 }, "purchase": 831, "refinance": 1440, "other_purpose": 198, "jumbo": 6, "investor": 48, "volume_usd": 561935000 } ], "top_states": [ { "state": "FL", "loans": 458 }, { "state": "GA", "loans": 334 }, { "state": "CO", "loans": 273 }, { "state": "MI", "loans": 253 }, { "state": "OH", "loans": 173 } ], "note": "Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans." }, "loan_officer_count": 187, "disciplinary_check": "not_checked", "disciplinary_actions": [], "last_verified_at": "2026-10-13" }, "loan_officers": [ { "nmls_id": 295074, "slug": "kelly-foote-295074", "full_name": "Kelly Foote", "title": "Senior Loan Officer", "branch_city": "Huntsville", "branch_state": "AL", "canonical_url": "https://lendb.ai/lo/kelly-foote-295074" }, { "nmls_id": 2106104, "slug": "trina-hyman-2106104", "full_name": "Trina Hyman", "title": "Loan Originator", "branch_city": "Madison", "branch_state": "AL", "canonical_url": "https://lendb.ai/lo/trina-hyman-2106104" }, { "nmls_id": 282088, "slug": "brian-french-282088", "full_name": "Brian French", "title": "Branch Manager", "branch_city": "Hot Springs", "branch_state": "AR", "canonical_url": "https://lendb.ai/lo/brian-french-282088" }, { "nmls_id": 1696919, "slug": "dennis-pfendler-1696919", "full_name": "Dennis Pfendler", "title": "Loan Officer", "branch_city": "Hot Springs", "branch_state": "AR", "canonical_url": "https://lendb.ai/lo/dennis-pfendler-1696919" }, { "nmls_id": 148991, "slug": "jeffrey-richardson-148991", "full_name": "Jeffrey Richardson", "title": "Branch Manager", "branch_city": "Scottsdale", "branch_state": "AZ", "canonical_url": "https://lendb.ai/lo/jeffrey-richardson-148991" }, { "nmls_id": 1627331, "slug": "chance-unger-1627331", "full_name": "Chance Unger", "title": "Area Manager", "branch_city": "Edwards", "branch_state": "CO", "canonical_url": "https://lendb.ai/lo/chance-unger-1627331" }, { "nmls_id": 218637, "slug": "daen-manriquez-218637", "full_name": "Daen Manriquez", "title": "Branch Manager", "branch_city": "Greeley", "branch_state": "CO", "canonical_url": "https://lendb.ai/lo/daen-manriquez-218637" }, { "nmls_id": 2673854, "slug": "joe-diaz-2673854", "full_name": "Joe Diaz", "title": "Loan Officer", "branch_city": "Frisco", "branch_state": "CO", "canonical_url": "https://lendb.ai/lo/joe-diaz-2673854" }, { "nmls_id": 2562699, "slug": "miriam-nunez-2562699", "full_name": "Miriam Nunez", "title": "Loan Officer", "branch_city": "Greeley", "branch_state": "CO", "canonical_url": "https://lendb.ai/lo/miriam-nunez-2562699" }, { "nmls_id": 1717360, "slug": "priscila-venzor-1717360", "full_name": "Priscila Venzor", "title": "Loan Officer", "branch_city": "Greeley", "branch_state": "CO", "canonical_url": "https://lendb.ai/lo/priscila-venzor-1717360" }, { "nmls_id": 1028895, "slug": "angela-hart-1028895", "full_name": "Angela Hart", "title": "Sales Manager", "branch_city": "Weston", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/angela-hart-1028895" }, { "nmls_id": 311180, "slug": "brian-forrester-311180", "full_name": "Brian P Forrester", "title": "Sales Manager", "branch_city": "Palm Harbor", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/brian-forrester-311180" }, { "nmls_id": 2241977, "slug": "carlos-rubiano-2241977", "full_name": "Carlos Rubiano", "title": "Senior Loan Originator", "branch_city": "Weston", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/carlos-rubiano-2241977" }, { "nmls_id": 208399, "slug": "charles-johnson-208399", "full_name": "Chaz Johnson", "title": "Mortgage Loan Officer", "branch_city": "Tampa", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/charles-johnson-208399" }, { "nmls_id": 1399212, "slug": "chelsey-jennings-1399212", "full_name": "Chelsey Jennings", "title": "Corporate Loan Officer", "branch_city": "Tampa", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/chelsey-jennings-1399212" }, { "nmls_id": 2301183, "slug": "darrell-davis-2301183", "full_name": "Darrell Davis", "title": "Team Loan Officer", "branch_city": "Tampa", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/darrell-davis-2301183" }, { "nmls_id": 15953, "slug": "david-ansel-15953", "full_name": "David Ansel", "title": "Loan Officer", "branch_city": "Tampa", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/david-ansel-15953" }, { "nmls_id": 155740, "slug": "dean-mlinarich-155740", "full_name": "Dean Mlinarich", "title": "Loan Officer", "branch_city": "Tampa", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/dean-mlinarich-155740" }, { "nmls_id": 2172301, "slug": "debra-davis-2172301", "full_name": "Debra Davis", "title": "Loan Officer", "branch_city": "Naples", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/debra-davis-2172301" }, { "nmls_id": 1632904, "slug": "heather-opperman-1632904", "full_name": "Heather Opperman", "title": "Loan Officer", "branch_city": "Tampa", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/heather-opperman-1632904" }, { "nmls_id": 1992913, "slug": "ian-palmatier-1992913", "full_name": "Ian Palmatier", "title": "Loan Officer", "branch_city": "Tampa", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/ian-palmatier-1992913" }, { "nmls_id": 1426743, "slug": "jacob-keglor-1426743", "full_name": "Jacob Keglor", "title": "Sr. Loan Originator", "branch_city": "Tampa", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/jacob-keglor-1426743" }, { "nmls_id": 182565, "slug": "james-marcinkowski-182565", "full_name": "James Marcinkowski", "title": "Loan Officer", "branch_city": "Tampa", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/james-marcinkowski-182565" }, { "nmls_id": 367385, "slug": "jamie-atkinson-367385", "full_name": "Jamie Atkinson", "title": "Loan Officer", "branch_city": "Fort Myers", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/jamie-atkinson-367385" }, { "nmls_id": 1370744, "slug": "jason-vaughan-1370744", "full_name": "Jason Vaughan", "title": "Sr. Loan Officer", "branch_city": "Tampa", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/jason-vaughan-1370744" }, { "nmls_id": 527344, "slug": "juan-frias-527344", "full_name": "JC Frias", "title": "Sales Manager", "branch_city": "Weston", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/juan-frias-527344" }, { "nmls_id": 645178, "slug": "john-sway-645178", "full_name": "John Sway", "title": "Sales Manager", "branch_city": "Port Orange", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/john-sway-645178" }, { "nmls_id": 659659, "slug": "julie-koren-659659", "full_name": "Julie Koren", "title": "Florida Regional Manager", "branch_city": "Tampa", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/julie-koren-659659" }, { "nmls_id": 2140022, "slug": "julieta-levy-mayo-2140022", "full_name": "Julie Levy", "title": "Loan Officer", "branch_city": "Weston", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/julieta-levy-mayo-2140022" }, { "nmls_id": 320304, "slug": "justin-kelly-320304", "full_name": "Justin Kelly", "title": "Branch Manager", "branch_city": "Tampa", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/justin-kelly-320304" }, { "nmls_id": 2176354, "slug": "lucas-chiddister-2176354", "full_name": "Lucas Chiddister", "title": "Area Manager", "branch_city": "Orlando", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/lucas-chiddister-2176354" }, { "nmls_id": 2637398, "slug": "marcos-robino-2637398", "full_name": "Marcos Robino", "title": "Loan Officer", "branch_city": "Weston", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/marcos-robino-2637398" }, { "nmls_id": 331103, "slug": "richard-passanante-331103", "full_name": "Rich Passanante", "title": "Division Manager", "branch_city": "Tampa", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/richard-passanante-331103" }, { "nmls_id": 2429428, "slug": "richardson-dumond-2429428", "full_name": "Richard Dumond", "title": "Loan Originator", "branch_city": "Weston", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/richardson-dumond-2429428" }, { "nmls_id": 910077, "slug": "richard-lyons-910077", "full_name": "Richard Lyons", "title": "Senior Loan Officer", "branch_city": "Tampa", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/richard-lyons-910077" }, { "nmls_id": 2590707, "slug": "sarrah-belhachmi-2590707", "full_name": "Sarrah Belhachmi", "title": "Loan Officer", "branch_city": "Tampa", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/sarrah-belhachmi-2590707" }, { "nmls_id": 2443587, "slug": "sudisaday-hernandez-2443587", "full_name": "Sudi Hernandez", "title": "Sr. Loan Originator", "branch_city": "Tampa", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/sudisaday-hernandez-2443587" }, { "nmls_id": 1504016, "slug": "timothy-anderson-1504016", "full_name": "Tim Anderson", "title": "Loan Originator", "branch_city": "Tampa", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/timothy-anderson-1504016" }, { "nmls_id": 2072282, "slug": "timothy-taylor-2072282", "full_name": "Tim Taylor", "title": "Corporate Sales Assistant", "branch_city": "Tampa", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/timothy-taylor-2072282" }, { "nmls_id": 346885, "slug": "vilma-natale-346885", "full_name": "Vilma Natale", "title": "Loan Originator", "branch_city": "Weston", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/vilma-natale-346885" }, { "nmls_id": 2439129, "slug": "wandy-garcia-2439129", "full_name": "Wandy Garcia", "title": "Loan Officer", "branch_city": "Tampa", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/wandy-garcia-2439129" }, { "nmls_id": 874375, "slug": "wendy-bonany-874375", "full_name": "Wendy Bonany", "title": "Sales Manager", "branch_city": "Fort Myers", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/wendy-bonany-874375" }, { "nmls_id": 241583, "slug": "william-merritt-241583", "full_name": "William Merritt", "title": "Loan Officer", "branch_city": "Palm Harbor", "branch_state": "FL", "canonical_url": "https://lendb.ai/lo/william-merritt-241583" }, { "nmls_id": 210598, "slug": "amy-garmon-210598", "full_name": "Amy Garmon", "title": "Branch Manager", "branch_city": "Zebulon", "branch_state": "GA", "canonical_url": "https://lendb.ai/lo/amy-garmon-210598" }, { "nmls_id": 1756543, "slug": "chandra-winford-1756543", "full_name": "Chandra Winford", "title": "Branch Manager", "branch_city": "Atlanta", "branch_state": "GA", "canonical_url": "https://lendb.ai/lo/chandra-winford-1756543" }, { "nmls_id": 249324, "slug": "damon-ferguson-249324", "full_name": "Damon G. Ferguson", "title": "Sales Manager", "branch_city": "Atlanta", "branch_state": "GA", "canonical_url": "https://lendb.ai/lo/damon-ferguson-249324" }, { "nmls_id": 2148474, "slug": "joell-young-2148474", "full_name": "Joell Young", "title": "Loan Officer", "branch_city": "Zebulon", "branch_state": "GA", "canonical_url": "https://lendb.ai/lo/joell-young-2148474" }, { "nmls_id": 882827, "slug": "kerry-patton-882827", "full_name": "Kerry Patton", "title": "Loan Officer", "branch_city": "Atlanta", "branch_state": "GA", "canonical_url": "https://lendb.ai/lo/kerry-patton-882827" }, { "nmls_id": 2146719, "slug": "kianna-young-2146719", "full_name": "Kianna Young", "title": "Loan Officer", "branch_city": "Atlanta", "branch_state": "GA", "canonical_url": "https://lendb.ai/lo/kianna-young-2146719" }, { "nmls_id": 1532918, "slug": "kristen-maddox-1532918", "full_name": "Kristen Maddox", "title": "Loan Officer", "branch_city": "Atlanta", "branch_state": "GA", "canonical_url": "https://lendb.ai/lo/kristen-maddox-1532918" }, { "nmls_id": 305347, "slug": "wayne-owens-305347", "full_name": "Wayne Owens", "title": "Loan Originator", "branch_city": "Atlanta", "branch_state": "GA", "canonical_url": "https://lendb.ai/lo/wayne-owens-305347" }, { "nmls_id": 256272, "slug": "ken-walker-256272", "full_name": "Ken Walker", "title": "Branch Manager", "branch_city": "Carlinville", "branch_state": "IL", "canonical_url": "https://lendb.ai/lo/ken-walker-256272" }, { "nmls_id": 145162, "slug": "patrick-cornett-145162", "full_name": "Patrick Cornett", "title": "Production Support Manager", "branch_city": "Crown Point", "branch_state": "IN", "canonical_url": "https://lendb.ai/lo/patrick-cornett-145162" }, { "nmls_id": 54442, "slug": "tonya-watkins-54442", "full_name": "Tonya Watkins", "title": "Branch Manager", "branch_city": "Corbin", "branch_state": "KY", "canonical_url": "https://lendb.ai/lo/tonya-watkins-54442" }, { "nmls_id": 1943928, "slug": "allen-rash-1943928", "full_name": "Allen Rash", "title": "Loan Officer", "branch_city": "Williamston", "branch_state": "MI", "canonical_url": "https://lendb.ai/lo/allen-rash-1943928" }, { "nmls_id": 2170861, "slug": "anjanette-carranco-2170861", "full_name": "Anjanette \"AJ\" Carranco", "title": "Sales Manager", "branch_city": "Williamston", "branch_state": "MI", "canonical_url": "https://lendb.ai/lo/anjanette-carranco-2170861" }, { "nmls_id": 130260, "slug": "anthony-mosley-130260", "full_name": "Anthony Mosley", "title": "Mid-America Regional Manager", "branch_city": "Grand Rapids", "branch_state": "MI", "canonical_url": "https://lendb.ai/lo/anthony-mosley-130260" }, { "nmls_id": 2706370, "slug": "blake-thornton-2706370", "full_name": "Blake Thornton", "title": "Closing Manager", "branch_city": "Williamston", "branch_state": "MI", "canonical_url": "https://lendb.ai/lo/blake-thornton-2706370" }, { "nmls_id": 2714412, "slug": "brett-beck-2714412", "full_name": "Brett Beck", "title": "Corporate Loan Officer", "branch_city": "Williamston", "branch_state": "MI", "canonical_url": "https://lendb.ai/lo/brett-beck-2714412" }, { "nmls_id": 172484, "slug": "brian-lattimore-172484", "full_name": "Brian Lattimore", "title": "Branch Manager", "branch_city": "Williamston", "branch_state": "MI", "canonical_url": "https://lendb.ai/lo/brian-lattimore-172484" }, { "nmls_id": 2331065, "slug": "brittany-valentine-2331065", "full_name": "Brittany Valentine", "title": "Loan Officer", "branch_city": "Williamston", "branch_state": "MI", "canonical_url": "https://lendb.ai/lo/brittany-valentine-2331065" }, { "nmls_id": 2106318, "slug": "calandria-knox-2106318", "full_name": "Calandria Knox", "title": "Loan Officer", "branch_city": "Williamston", "branch_state": "MI", "canonical_url": "https://lendb.ai/lo/calandria-knox-2106318" }, { "nmls_id": 1724490, "slug": "cheryl-cappelli-1724490", "full_name": "Cheryl Cappelli", "title": "Loan Officer", "branch_city": "Williamston", "branch_state": "MI", "canonical_url": "https://lendb.ai/lo/cheryl-cappelli-1724490" }, { "nmls_id": 1944585, "slug": "celentjano-zajaku-1944585", "full_name": "CJ Zajaku", "title": "Loan Officer", "branch_city": "Macomb Township", "branch_state": "MI", "canonical_url": "https://lendb.ai/lo/celentjano-zajaku-1944585" }, { "nmls_id": 2001695, "slug": "curtis-french-2001695", "full_name": "Curtis French", "title": "Mortgage Loan Officer", "branch_city": "Williamston", "branch_state": "MI", "canonical_url": "https://lendb.ai/lo/curtis-french-2001695" }, { "nmls_id": 95620, "slug": "daniel-bove-95620", "full_name": "Daniel Bove", "title": "Branch Manager", "branch_city": "Macomb Twp", "branch_state": "MI", "canonical_url": "https://lendb.ai/lo/daniel-bove-95620" }, { "nmls_id": 104138, "slug": "david-underwood-104138", "full_name": "David Underwood", "title": "Mortgage Loan Officer", "branch_city": "Macomb", "branch_state": "MI", "canonical_url": "https://lendb.ai/lo/david-underwood-104138" }, { "nmls_id": 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