Lender in California · HMDA 2025
FlexPoint, Inc. mortgages in California
FlexPoint, Inc.'s 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
FlexPoint, Inc. originated 1,162 owner-occupied single-family loans in California from 1,656 completed applications.
Its median conventional purchase loan costs were $13,690 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.875% (California: 6.625%).
Loans in CA
1,162
of 1,656 applications
Denial rate
3.6%
Purchase · CA 8.9%
Rate spread
+0.69 pts
Conv. · CA +0.09 pts
Loan amount
$505,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,232 | 919 | 3.6% | 6.875% | +0.69 pts | $13,690 | $505,000 |
| Refinance | 180 | 87 | 7.8% | 6.875% | +0.59 pts | $13,550 | $655,000 |
| Cash-out refinance | 244 | 156 | 3.7% | 7.375% | +0.94 pts | $15,010 | $535,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where FlexPoint, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Monterey County | 6 | 84 | 3.7% |
| Kern County | 15 | 143 | 1.6% |
| Merced County | 18 | 27 | 1.2% |
| Inyo County | 18 | 1 | 0.9% |
| Stanislaus County | 19 | 68 | 1.4% |
| Colusa County | 24 | 1 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology