# FlexPoint, Inc.

> **Canonical URL:** https://saferate.com/lenders/flexpoint


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


FlexPoint, Inc. is a independent mortgage company, headquartered in Costa Mesa, CA, serving borrowers across 17 states, with 1,222 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 85% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 47% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 254900QNIR86GUIRYH95
- **Headquarters:** Costa Mesa, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 17
- **State List:** AZ, CA, CO, FL, GA, LA, MD, NC, NJ, NM, NV, OR, PA, TN, TX, VA, WA
- **Markets (MSAs):** 21
- **Primary Channel:** wholesale
- **Direct Origination:** 4.1%
- **Brokered/Wholesale:** 95.9%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 15/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.685%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,371
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,222
- **Dollar Volume:** $678 million
- **Applications Received:** 2,336
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $555,106
- **Average Borrower Income:** $239,164
- **Average Property Value:** $716,414

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 68/100 | 727 | +0.786% | $4,973 | Strong 😀 |
| FHA | 79/100 | 389 | +0.590% | $3,747 | Strong 😀 |
| VA | 61/100 | 29 | -0.094% | $3,331 | Strong 😀 |
| Jumbo | 75/100 | 77 | +0.799% | $2,102 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 589 loans, Score: 67/100 (Strong)
- Refinance: 138 loans, Score: 67/100 (Strong)

**FHA:**
- Purchase: 360 loans, Score: 79/100 (Strong)
- Refinance: 29 loans, Score: 71/100 (Strong)

**VA:**
- Purchase: 24 loans, Score: 61/100 (Strong)

**Jumbo:**
- Purchase: 49 loans, Score: 74/100 (Strong)
- Refinance: 28 loans, Score: 79/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 73/100 | 1,022 | $548M | +0.697% | Strong 😀 |
| Refinance | 69/100 | 200 | $130M | +0.627% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 913 | 0.32% | 80/100 |
| TX | 107 | 0.03% | 57/100 |
| FL | 72 | 0.02% | 52/100 |
| NC | 28 | 0.02% | 45/100 |
| GA | 27 | 0.02% | 46/100 |
| AZ | 14 | 0.01% | 40/100 |
| CO | 11 | 0.01% | 38/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 184 | 73/100 |
| Riverside | CA | 135 | 69/100 |
| Bakersfield | CA | 107 | 75/100 |
| Anaheim | CA | 82 | 68/100 |
| Salinas, CA | CA | 70 | 83/100 |
| Modesto, CA | CA | 66 | 75/100 |
| Dallas | TX | 48 | 55/100 |
| Stockton | CA | 42 | 63/100 |
| Merced, CA | CA | 37 | 76/100 |
| Houston | TX | 32 | 50/100 |
| Sacramento | CA | 30 | 52/100 |
| Oakland | CA | 26 | 52/100 |
| San Jose | CA | 22 | 51/100 |
| San Diego | CA | 21 | 48/100 |
| Non |  | 21 | 26/100 |

## Where This Lender Ranks

FlexPoint, Inc. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Salinas, CA for FHA Loans
  - [View Full Rankings](https://saferate.com/salinas-ca/best-mortgage-lenders/fha-loans)
- 🏆 **#7** in Salinas, CA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/salinas-ca/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#13** in Merced, CA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/merced-ca/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#14** in Merced, CA for FHA Loans
  - [View Full Rankings](https://saferate.com/merced-ca/best-mortgage-lenders/fha-loans)
- 🏆 **#18** in Salinas, CA Mortgage Companies
  - [View Full Rankings](https://saferate.com/salinas-ca/best-mortgage-lenders/mortgage-companies)
- 🏆 **#18** in Modesto, CA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/modesto-ca/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#19** in Stockton for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/stockton/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#20** in Anaheim for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#20** in Modesto, CA for FHA Loans
  - [View Full Rankings](https://saferate.com/modesto-ca/best-mortgage-lenders/fha-loans)
- 🏆 **#20** in Merced, CA Mortgage Companies
  - [View Full Rankings](https://saferate.com/merced-ca/best-mortgage-lenders/mortgage-companies)

## Frequently Asked Questions

### What loan types does FlexPoint, Inc. offer?

FlexPoint, Inc. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does FlexPoint, Inc. offer mortgages?

FlexPoint, Inc. offers mortgages in 17 states: AZ, CA, CO, FL, GA, LA, MD, NC, NJ, NM, NV, OR, PA, TN, TX, VA, WA.

### How competitive are FlexPoint, Inc.'s mortgage rates?

FlexPoint, Inc. has a pricing score of 15/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.685% above market average.

### What type of lender is FlexPoint, Inc.?

FlexPoint, Inc. is a non-depository lender that specializes in mortgage origination, headquartered in Costa Mesa, CA.

### What is FlexPoint, Inc.'s loan approval success rate?

FlexPoint, Inc. has a pull-through score of 53/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/flexpoint

### How to Cite

> "FlexPoint, Inc. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/flexpoint

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