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 score and performance metrics.

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 an overall pricing score of 15/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is FlexPoint, Inc.?

FlexPoint, Inc. is a Independent Mortgage Company headquartered in Costa Mesa, CA.

Unclaimed

FlexPoint, Inc.

Independent Mortgage Company•Costa Mesa, CA•Direct to Consumer

We analyzed every closed loan from Flexpoint — 1.2k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Mediocre

vs. all lenders

Pull Through

Sound

closing strength

Products

Strong

FHA · Conventional · VA · Jumbo

Place

Sound

Multi-Region · 20 mkts

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Safe Rate's Summary

What They Do Well

Particularly strong in Conventional and FHA and VA and Jumbo loans

Things to Think About

Rates typically 69 basis points above market average
Higher than average fees ($4,371)

Explore another lender or local market

Report Card

FlexPoint, Inc. performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Mediocre	Below peers +68.5 bps above market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
Jumbo	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Multi-Regional21 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Strong	Mediocre	Sound	727	59.5%	+0.786%Above	$4,973Fees
FHA Loans	Sound	Strong	Acceptable	Strong	389	31.8%	+0.590%Above	$3,747Fees
VA Loans	Sound	Strong	—	Sound	29	2.4%	-0.094%Below	$3,331Fees
Jumbo Loans	Sound	Strong	—	Sound	77	6.3%	+0.799%Above	$2,102Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Strong	Mediocre	Sound	1,022	83.6%	+0.697%Above	$4,394Fees
Refinance	Acceptable	Strong	Mediocre	Sound	200	16.4%	+0.627%Above	$4,255Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

1,222

Applications

2,336

Volume

$678 million

Pricing & Closing

Avg Rate Spread

+0.685%

vs. market APOR

Avg Net Fees

$4,371

Origination − Credits

Pullthrough Rate

52.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$555,106

Avg Borrower Income

$239,164

Avg Property Value

$716,414

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

AZCACOFLGALAMDNCNJNMNVORPATNTXVAWA

Top Metro Areas by Place Specialization Score

Salinas, CA, CAMSA

Volume: 70Mix: 5.73%of portfolio

Place

Exceptional

Merced, CA, CAMSA

Volume: 37Mix: 3.03%of portfolio

Place

Strong

Modesto, CA, CAMSA

Volume: 66Mix: 5.40%of portfolio

Place

Strong

Bakersfield, CAMSA

Volume: 107Mix: 8.76%of portfolio

Place

Strong

Los Angeles, CAMSA

Volume: 184Mix: 15.06%of portfolio

Place

Strong

Riverside, CAMSA

Volume: 135Mix: 11.05%of portfolio

Place

Strong

Anaheim, CAMSA

Volume: 82Mix: 6.71%of portfolio

Place

Strong

Stockton, CAMSA

Volume: 42Mix: 3.44%of portfolio

Place

Strong

Dallas, TXMSA

Volume: 48Mix: 3.93%of portfolio

Place

Sound

Sacramento, CAMSA

Volume: 30Mix: 2.45%of portfolio

Place

Sound

Showing 10 of 20 metro areas

Top States by Place Specialization Score

CAState

Volume: 913Mix: 74.71%of portfolio

Place

Strong

TXState

Volume: 107Mix: 8.76%of portfolio

Place

Sound

FLState

Volume: 72Mix: 5.89%of portfolio

Place

Sound

GAState

Volume: 27Mix: 2.21%of portfolio

Place

Sound

NCState

Volume: 28Mix: 2.29%of portfolio

Place

Sound

AZState

Volume: 14Mix: 1.15%of portfolio

Place

Sound

COState

Volume: 11Mix: 0.90%of portfolio

Place

Acceptable

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.