Flexpoint, Inc. Mortgage Lending & HMDA Data, 2025
In 2025, Flexpoint, Inc. of Costa Mesa, CA reported 6,107 mortgage applications totaling $3.0 billion, up 57% from 2024. The average application was for $497,890, and applicants reported an average income of $350,132. 50% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (953), Riverside-San Bernardino-Ontario, CA (616) and Anaheim-Santa Ana-Irvine, CA (387) (applications in parentheses).
| Mortgage Company & Address | Flexpoint, Inc. 27433 Tourney Road, Suite 150 Costa Mesa, CA 92626 |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 6,107 |
| Total Mortgage Loan Application Amount | $3,040,615,000 |
| Average Mortgage Loan Application Amount | $497,890 |
| Highest Mortgage Loan Application Amount | $8,765,000 |
| Average Applicant Income | $350,132 |
| Highest Applicant Income | $9,789,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Flexpoint, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 953 | $ 718,025,000 | $ 753,436 | $ 494,000 |
| Riverside-San Bernardino-Ontario, CA | 616 | $ 252,840,000 | $ 410,454 | $ 297,000 |
| Anaheim-Santa Ana-Irvine, CA | 387 | $ 302,455,000 | $ 781,537 | $ 512,000 |
| Bakersfield, CA | 318 | $ 87,810,000 | $ 276,132 | $ 128,000 |
| Houston-The Woodlands-Sugar Land, TX | 208 | $ 68,070,000 | $ 327,259 | $ 391,000 |
| Salinas, CA | 194 | $ 111,610,000 | $ 575,309 | $ 326,000 |
| San Diego-Carlsbad, CA | 166 | $ 110,440,000 | $ 665,301 | $ 337,000 |
| Dallas-Plano-Irving, TX | 164 | $ 63,910,000 | $ 389,695 | $ 275,000 |
| Outside any metro area | 158 | $ 59,760,000 | $ 378,227 | $ 264,579 |
| Modesto, CA | 136 | $ 51,270,000 | $ 376,985 | $ 133,000 |
| Miami-Miami Beach-Kendall, FL | 133 | $ 101,375,000 | $ 762,218 | $ 591,000 |
| Stockton-Lodi, CA | 100 | $ 34,900,000 | $ 349,000 | $ 137,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 98 | $ 56,320,000 | $ 574,693 | $ 665,000 |
| Oakland-Hayward-Berkeley, CA | 89 | $ 40,425,000 | $ 454,213 | $ 198,000 |
| Phoenix-Mesa-Scottsdale, AZ | 89 | $ 36,275,000 | $ 407,584 | $ 247,000 |
| Atlanta-Sandy Springs-Roswell, GA | 84 | $ 36,220,000 | $ 431,190 | $ 235,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 73 | $ 31,495,000 | $ 431,438 | $ 458,000 |
| Fresno, CA | 67 | $ 21,475,000 | $ 320,522 | $ 216,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 67 | $ 52,875,000 | $ 789,179 | $ 351,000 |
| Las Vegas-Henderson-Paradise, NV | 61 | $ 36,415,000 | $ 596,967 | $ 276,000 |
| Merced, CA | 59 | $ 20,375,000 | $ 345,338 | $ 106,000 |
| Orlando-Kissimmee-Sanford, FL | 59 | $ 26,735,000 | $ 453,135 | $ 350,000 |
| Denver-Aurora-Lakewood, CO | 54 | $ 21,130,000 | $ 391,296 | $ 285,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 52 | $ 21,680,000 | $ 416,923 | $ 480,000 |
| Chicago-Naperville, IL | 51 | $ 19,855,000 | $ 389,313 | $ 301,000 |
| Lubbock, TX | 51 | $ 8,995,000 | $ 176,372 | $ 222,000 |
| Baltimore-Columbia-Towson, MD | 49 | $ 10,885,000 | $ 222,142 | $ 419,000 |
| Philadelphia, PA | 48 | $ 16,860,000 | $ 351,250 | $ 198,000 |
| Cape Coral-Fort Myers, FL | 45 | $ 16,095,000 | $ 357,666 | $ 276,000 |
| Fort Worth-Arlington, TX | 42 | $ 12,140,000 | $ 289,047 | $ 154,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 41 | $ 25,725,000 | $ 627,439 | $ 552,000 |
| North Port-Sarasota-Bradenton, FL | 36 | $ 14,880,000 | $ 413,333 | $ 279,000 |
| Tampa, FL | 36 | $ 12,080,000 | $ 335,555 | $ 176,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 35 | $ 24,505,000 | $ 700,142 | $ 299,000 |
| Greensboro-High Point, NC | 34 | $ 7,630,000 | $ 224,411 | $ 367,000 |
| Lakewood-New Brunswick, NJ | 33 | $ 18,565,000 | $ 562,575 | $ 330,000 |
| Arlington-Alexandria-Reston, VA-WV | 30 | $ 17,190,000 | $ 573,000 | $ 291,000 |
| New York-Jersey City-White Plains, NY-NJ | 30 | $ 24,660,000 | $ 822,000 | $ 828,333 |
| Raleigh, NC | 30 | $ 10,650,000 | $ 355,000 | $ 235,000 |
| Jacksonville, FL | 29 | $ 13,395,000 | $ 461,896 | $ 248,000 |
| Visalia-Porterville, CA | 29 | $ 6,985,000 | $ 240,862 | $ 109,000 |
| Charlotte-Concord-Gastonia, NC-SC | 28 | $ 9,320,000 | $ 332,857 | $ 214,607 |
| Camden, NJ | 26 | $ 8,480,000 | $ 326,153 | $ 187,000 |
| Albuquerque, NM | 25 | $ 7,035,000 | $ 281,400 | $ 198,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 24 | $ 8,030,000 | $ 334,583 | $ 203,000 |
| Austin-Round Rock, TX | 22 | $ 10,170,000 | $ 462,272 | $ 378,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 22 | $ 8,450,000 | $ 384,090 | $ 983,000 |
| Tulsa, OK | 21 | $ 3,195,000 | $ 152,142 | $ 130,000 |
| St. Petersburg-Clearwater-Largo, FL | 20 | $ 8,430,000 | $ 421,500 | $ 303,000 |
| Vallejo-Fairfield, CA | 20 | $ 9,170,000 | $ 458,500 | $ 147,000 |
| Santa Cruz-Watsonville, CA | 18 | $ 9,440,000 | $ 524,444 | $ 185,000 |
| Marietta, GA | 17 | $ 7,405,000 | $ 435,588 | $ 753,000 |
| San Francisco-Redwood City-South San Francisco, CA | 16 | $ 12,760,000 | $ 797,500 | $ 284,000 |
| Seattle-Bellevue-Everett, WA | 16 | $ 8,440,000 | $ 527,500 | $ 319,000 |
| St. Louis, MO-IL | 16 | $ 2,530,000 | $ 158,125 | $ 35,000 |
| Fayetteville, NC | 15 | $ 3,215,000 | $ 214,333 | $ 246,000 |
| Savannah, GA | 15 | $ 5,045,000 | $ 336,333 | $ 391,000 |
| Charleston-North Charleston, SC | 14 | $ 12,020,000 | $ 858,571 | $ 298,000 |
| Memphis, TN-MS-AR | 14 | $ 2,980,000 | $ 212,857 | $ 176,000 |
| Naples-Immokalee-Marco Island, FL | 14 | $ 9,980,000 | $ 712,857 | $ 491,000 |
| Ocala, FL | 14 | $ 3,090,000 | $ 220,714 | $ 109,000 |
| Pensacola-Ferry Pass-Brent, FL | 14 | $ 3,010,000 | $ 215,000 | $ 93,000 |
| Port St. Lucie, FL | 14 | $ 5,050,000 | $ 360,714 | $ 163,000 |
| Boston, MA | 13 | $ 6,505,000 | $ 500,384 | $ 388,000 |
| San Antonio-New Braunfels, TX | 13 | $ 3,415,000 | $ 262,692 | $ 171,000 |
| Santa Maria-Santa Barbara, CA | 13 | $ 11,385,000 | $ 875,769 | $ 326,000 |
| Santa Rosa, CA | 13 | $ 5,305,000 | $ 408,076 | $ 214,000 |
| Winston-Salem, NC | 13 | $ 3,075,000 | $ 236,538 | $ 141,000 |
| Detroit-Dearborn-Livonia, MI | 12 | $ 2,860,000 | $ 238,333 | $ 109,000 |
| Indianapolis-Carmel-Anderson, IN | 12 | $ 3,830,000 | $ 319,166 | $ 365,000 |
| Knoxville, TN | 12 | $ 4,670,000 | $ 389,166 | $ 267,000 |
| Palm Bay-Melbourne-Titusville, FL | 12 | $ 5,130,000 | $ 427,500 | $ 192,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 12 | $ 2,010,000 | $ 167,500 | $ 125,000 |
| Washington, DC-MD | 12 | $ 5,250,000 | $ 437,500 | $ 247,583 |
| Columbia, SC | 11 | $ 3,265,000 | $ 296,818 | $ 315,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 11 | $ 3,025,000 | $ 275,000 | $ 176,000 |
| El Centro, CA | 11 | $ 3,315,000 | $ 301,363 | $ 107,000 |
| Newark, NJ-PA | 11 | $ 7,315,000 | $ 665,000 | $ 545,000 |
| Oklahoma City, OK | 11 | $ 4,695,000 | $ 426,818 | $ 300,000 |
| Yuba City, CA | 11 | $ 3,755,000 | $ 341,363 | $ 144,000 |
| Lake Havasu City-Kingman, AZ | 10 | $ 3,060,000 | $ 306,000 | $ 250,000 |
| Montgomery County-Bucks County-Chester County, PA | 10 | $ 3,040,000 | $ 304,000 | $ 216,000 |
| Chico, CA | 9 | $ 2,625,000 | $ 291,666 | $ 81,000 |
| Gainesville, GA | 9 | $ 5,285,000 | $ 587,222 | $ 640,000 |
| Hanford-Corcoran, CA | 9 | $ 2,685,000 | $ 298,333 | $ 171,000 |
| Killeen-Temple, TX | 9 | $ 1,275,000 | $ 141,666 | $ 125,000 |
| Pittsburgh, PA | 9 | $ 4,255,000 | $ 472,777 | $ 444,000 |
| Richmond, VA | 9 | $ 2,545,000 | $ 282,777 | $ 151,000 |
| Urban Honolulu, HI | 9 | $ 6,035,000 | $ 670,555 | $ 517,000 |
| Lakeland-Winter Haven, FL | 8 | $ 2,650,000 | $ 331,250 | $ 135,000 |
| Punta Gorda, FL | 8 | $ 1,570,000 | $ 196,250 | $ 167,000 |
| Wilmington, NC | 8 | $ 1,870,000 | $ 233,750 | $ 118,000 |
| Amarillo, TX | 7 | $ 1,635,000 | $ 233,571 | $ 0 |
| Atlantic City-Hammonton, NJ | 7 | $ 4,085,000 | $ 583,571 | $ 479,000 |
| Boise City, ID | 7 | $ 2,945,000 | $ 420,714 | $ 129,000 |
| Cleveland, OH | 7 | $ 1,545,000 | $ 220,714 | $ 76,000 |
| Crestview-Fort Walton Beach-Destin, FL | 7 | $ 3,015,000 | $ 430,714 | $ 488,000 |
| Durham-Chapel Hill, NC | 7 | $ 2,505,000 | $ 357,857 | $ 149,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 7 | $ 2,475,000 | $ 353,571 | $ 395,000 |
| Charlottesville, VA | 6 | $ 3,030,000 | $ 505,000 | $ 3,244,000 |
| Davenport-Moline-Rock Island, IA-IL | 6 | $ 660,000 | $ 110,000 | $ 0 |
| Prescott Valley-Prescott, AZ | 6 | $ 5,920,000 | $ 986,666 | $ 728,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 6 | $ 4,770,000 | $ 795,000 | $ 497,000 |
| Tacoma-Lakewood, WA | 6 | $ 2,350,000 | $ 391,666 | $ 180,000 |
| Tucson, AZ | 6 | $ 2,220,000 | $ 370,000 | $ 275,000 |
| Wichita, KS | 6 | $ 2,020,000 | $ 336,666 | $ 0 |
| Augusta-Richmond County, GA-SC | 5 | $ 925,000 | $ 185,000 | $ 120,000 |
| Columbus, OH | 5 | $ 1,385,000 | $ 277,000 | $ 159,000 |
| Greeley, CO | 5 | $ 1,905,000 | $ 381,000 | $ 258,000 |
| Lake County-Kenosha County, IL-WI | 5 | $ 3,005,000 | $ 601,000 | $ 548,000 |
| Nassau County-Suffolk County, NY | 5 | $ 2,595,000 | $ 519,000 | $ 1,228,000 |
| San Rafael, CA | 5 | $ 5,535,000 | $ 1,107,000 | $ 188,000 |
| Sherman-Denison, TX | 5 | $ 1,195,000 | $ 239,000 | $ 194,000 |
| Albany, GA | 4 | $ 500,000 | $ 125,000 | $ 58,000 |
| Albany-Schenectady-Troy, NY | 4 | $ 1,100,000 | $ 275,000 | $ 34,000 |
| Bremerton-Silverdale, WA | 4 | $ 1,560,000 | $ 390,000 | $ 394,000 |
| Brownsville-Harlingen, TX | 4 | $ 1,120,000 | $ 280,000 | $ 0 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 4 | $ 810,000 | $ 202,500 | $ 204,000 |
| Cambridge-Newton-Framingham, MA | 4 | $ 2,180,000 | $ 545,000 | $ 1,200,000 |
| Cincinnati, OH-KY-IN | 4 | $ 830,000 | $ 207,500 | $ 8,000 |
| Colorado Springs, CO | 4 | $ 1,400,000 | $ 350,000 | $ 173,000 |
| Gainesville, FL | 4 | $ 1,190,000 | $ 297,500 | $ 92,000 |
| Medford, OR | 4 | $ 2,400,000 | $ 600,000 | $ 0 |
| Panama City, FL | 4 | $ 950,000 | $ 237,500 | $ 73,000 |
| Portland-South Portland, ME | 4 | $ 1,700,000 | $ 425,000 | $ 840,000 |
| Sebring, FL | 4 | $ 940,000 | $ 235,000 | $ 222,000 |
| Staunton-Waynesboro, VA | 4 | $ 2,530,000 | $ 632,500 | $ 2,608,000 |
| Washington-Baltimore-Arlington, DC | 4 | $ 1,910,000 | $ 477,500 | $ 279,000 |
| Akron, OH | 3 | $ 2,445,000 | $ 815,000 | $ 684,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 875,000 | $ 291,666 | $ 525,000 |
| Blacksburg-Christiansburg-Radford, VA | 3 | $ 1,055,000 | $ 351,666 | $ 138,000 |
| Burlington, NC | 3 | $ 765,000 | $ 255,000 | $ 88,000 |
| Chattanooga, TN-GA | 3 | $ 835,000 | $ 278,333 | $ 151,666 |
| Corpus Christi, TX | 3 | $ 1,685,000 | $ 561,666 | $ 433,000 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 775,000 | $ 258,333 | $ 102,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 1,415,000 | $ 471,666 | $ 173,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 785,000 | $ 261,666 | $ 234,000 |
| Homosassa Springs, FL | 3 | $ 435,000 | $ 145,000 | $ 101,000 |
| Jacksonville, NC | 3 | $ 755,000 | $ 251,666 | $ 102,000 |
| Kahului-Wailuku-Lahaina, HI | 3 | $ 925,000 | $ 308,333 | $ 3,000 |
| Lafayette, LA | 3 | $ 835,000 | $ 278,333 | $ 200,000 |
| Lexington-Fayette, KY | 3 | $ 1,015,000 | $ 338,333 | $ 1,011,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 825,000 | $ 275,000 | $ 96,000 |
| Pinehurst-Southern Pines, NC | 3 | $ 835,000 | $ 278,333 | $ 84,000 |
| Tyler, TX | 3 | $ 985,000 | $ 328,333 | $ 191,000 |
| Valdosta, GA | 3 | $ 335,000 | $ 111,666 | $ 102,000 |
| Wildwood-The Villages, FL | 3 | $ 975,000 | $ 325,000 | $ 327,000 |
| Beaumont-Port Arthur, TX | 2 | $ 530,000 | $ 265,000 | $ 129,000 |
| Boulder, CO | 2 | $ 1,210,000 | $ 605,000 | $ 163,000 |
| Coeur D'Alene, ID | 2 | $ 650,000 | $ 325,000 | $ 58,000 |
| College Station-Bryan, TX | 2 | $ 620,000 | $ 310,000 | $ 75,000 |
| Dayton-Springfield-Kettering, OH | 2 | $ 600,000 | $ 300,000 | $ 267,000 |
| Des Moines-West Des Moines, IA | 2 | $ 1,180,000 | $ 590,000 | $ 484,000 |
| El Paso, TX | 2 | $ 320,000 | $ 160,000 | $ 155,000 |
| Everett, WA | 2 | $ 1,790,000 | $ 895,000 | $ 263,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 1,130,000 | $ 565,000 | $ 277,000 |
| Harrisburg-Carlisle, PA | 2 | $ 510,000 | $ 255,000 | $ 361,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 820,000 | $ 410,000 | $ 70,000 |
| Huntsville, AL | 2 | $ 430,000 | $ 215,000 | $ 298,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 780,000 | $ 390,000 | $ 129,000 |
| Lansing-East Lansing, MI | 2 | $ 400,000 | $ 200,000 | $ 61,000 |
| Las Cruces, NM | 2 | $ 170,000 | $ 85,000 | $ 30,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Montgomery, AL | 2 | $ 420,000 | $ 210,000 | $ 117,000 |
| Morristown, TN | 2 | $ 810,000 | $ 405,000 | $ 80,000 |
| Reading, PA | 2 | $ 600,000 | $ 300,000 | $ 117,000 |
| Reno, NV | 2 | $ 900,000 | $ 450,000 | $ 0 |
| Roanoke, VA | 2 | $ 340,000 | $ 170,000 | $ 0 |
| Sebastian-Vero Beach, FL | 2 | $ 720,000 | $ 360,000 | $ 131,000 |
| Springfield, MA | 2 | $ 800,000 | $ 400,000 | $ 1,225,000 |
| Tallahassee, FL | 2 | $ 370,000 | $ 185,000 | $ 103,000 |
| Trenton, NJ | 2 | $ 2,850,000 | $ 1,425,000 | $ 905,000 |
| Vineland-Bridgeton, NJ | 2 | $ 630,000 | $ 315,000 | $ 140,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 410,000 | $ 205,000 | $ 0 |
| Wilmington, DE-MD-NJ | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Worcester, MA-CT | 2 | $ 760,000 | $ 380,000 | $ 78,000 |
| York-Hanover, PA | 2 | $ 790,000 | $ 395,000 | $ 241,000 |
| Anchorage, AK | 1 | $ 275,000 | $ 275,000 | $ 125,000 |
| Ann Arbor, MI | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Asheville, NC | 1 | $ 405,000 | $ 405,000 | $ 92,000 |
| Athens-Clarke County, GA | 1 | $ 905,000 | $ 905,000 | $ 264,000 |
| Battle Creek, MI | 1 | $ 255,000 | $ 255,000 | $ 252,000 |
| Bend-Redmond, OR | 1 | $ 1,065,000 | $ 1,065,000 | $ 417,000 |
| Bozeman, MT | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Canton-Massillon, OH | 1 | $ 165,000 | $ 165,000 | $ 54,000 |
| Decatur, AL | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Decatur, IL | 1 | $ 245,000 | $ 245,000 | $ 286,000 |
| Elgin, IL | 1 | $ 275,000 | $ 275,000 | $ 127,000 |
| Flagstaff, AZ | 1 | $ 155,000 | $ 155,000 | $ 165,000 |
| Florence, SC | 1 | $ 635,000 | $ 635,000 | $ 149,000 |
| Fort Collins, CO | 1 | $ 505,000 | $ 505,000 | $ 774,000 |
| Goldsboro, NC | 1 | $ 295,000 | $ 295,000 | $ 82,000 |
| Grand Junction, CO | 1 | $ 375,000 | $ 375,000 | $ 172,000 |
| Greenville, NC | 1 | $ 255,000 | $ 255,000 | $ 73,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 155,000 | $ 155,000 | $ 132,000 |
| Jackson, MS | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Joplin, MO | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Kansas City, MO-KS | 1 | $ 1,015,000 | $ 1,015,000 | $ 550,000 |
| Kennewick-Richland, WA | 1 | $ 335,000 | $ 335,000 | $ 56,000 |
| Lafayette-West Lafayette, IN | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Lake County-Porter County-Jasper County, IN | 1 | $ 275,000 | $ 275,000 | $ 61,000 |
| Lexington Park, MD | 1 | $ 615,000 | $ 615,000 | $ 262,000 |
| Longview, WA | 1 | $ 305,000 | $ 305,000 | $ 671,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 175,000 | $ 175,000 | $ 689,000 |
| Lynchburg, VA | 1 | $ 155,000 | $ 155,000 | $ 8,000 |
| Macon-Bibb County, GA | 1 | $ 605,000 | $ 605,000 | $ 267,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 345,000 | $ 345,000 | $ 153,000 |
| Midland, TX | 1 | $ 635,000 | $ 635,000 | $ 0 |
| Monroe, LA | 1 | $ 735,000 | $ 735,000 | $ 216,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 325,000 | $ 325,000 | $ 0 |
| New Orleans-Metairie, LA | 1 | $ 4,945,000 | $ 4,945,000 | $ 0 |
| Providence-Warwick, RI-MA | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Provo-Orem, UT | 1 | $ 505,000 | $ 505,000 | $ 164,000 |
| Pueblo, CO | 1 | $ 505,000 | $ 505,000 | $ 236,000 |
| Racine, WI | 1 | $ 145,000 | $ 145,000 | $ 74,000 |
| Redding, CA | 1 | $ 325,000 | $ 325,000 | $ 91,000 |
| Rocky Mount, NC | 1 | $ 195,000 | $ 195,000 | $ 59,000 |
| Salem, OR | 1 | $ 305,000 | $ 305,000 | $ 392,000 |
| Salt Lake City, UT | 1 | $ 275,000 | $ 275,000 | $ 70,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 85,000 | $ 85,000 | $ 98,000 |
| Spokane-Spokane Valley, WA | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Springfield, IL | 1 | $ 395,000 | $ 395,000 | $ 232,000 |
| Texarkana, TX-AR | 1 | $ 285,000 | $ 285,000 | $ 120,000 |
| Traverse City, MI | 1 | $ 1,045,000 | $ 1,045,000 | $ 156,000 |
| Tuscaloosa, AL | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Walla Walla, WA | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Warner Robins, GA | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Waterbury-Shelton, CT | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Waterloo-Cedar Falls, IA | 1 | $ 175,000 | $ 175,000 | $ 111,000 |
| Wichita Falls, TX | 1 | $ 515,000 | $ 515,000 | $ 209,000 |
| Winchester, VA-WV | 1 | $ 195,000 | $ 195,000 | $ 70,000 |
| Yuma, AZ | 1 | $ 125,000 | $ 125,000 | $ 63,000 |
Mortgage Loan Application Detail Totals for Flexpoint, Inc. in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 3,336 | $1,636,530,000 | $490,000 | $5,995,000 | $282,000 | $9,789,000 |
| Cash-out Refinancing | 2,059 | $941,695,000 | $457,000 | $6,505,000 | $412,000 | $7,348,000 |
| Refinancing | 687 | $455,955,000 | $663,000 | $8,765,000 | $502,000 | $9,602,000 |
| Other Purpose | 25 | $6,435,000 | $257,000 | $1,505,000 | $173,000 | $689,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Hispanic | 2,014 | $915,330,000 | $454,000 | $3,965,000 | $251,000 | $9,602,000 |
| Not Provided | 1,421 | $698,675,000 | $491,000 | $5,995,000 | $351,000 | $9,789,000 |
| Asian | 1,169 | $583,195,000 | $498,000 | $4,805,000 | $366,000 | $6,073,000 |
| White | 1,128 | $690,630,000 | $612,000 | $8,765,000 | $505,000 | $9,367,000 |
| Black or African American | 321 | $123,585,000 | $385,000 | $3,265,000 | $255,000 | $2,456,000 |
| Not applicable | 31 | $19,765,000 | $637,000 | $5,295,000 | $0 | $0 |
| American Indian or Alaskan Native | 13 | $5,305,000 | $408,000 | $875,000 | $214,000 | $678,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $4,130,000 | $413,000 | $975,000 | $175,000 | $276,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 5,013 | $2,541,415,000 | $506,000 | $8,765,000 | $399,000 | $9,789,000 |
| FHA-insured (Federal Housing Administration) | 987 | $448,215,000 | $454,000 | $1,235,000 | $126,000 | $541,000 |
| VA-guaranteed (Veterans Administration) | 106 | $50,790,000 | $479,000 | $1,625,000 | $137,000 | $381,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $195,000 | $195,000 | $195,000 | $70,000 | $70,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 3,059 | $1,486,405,000 | $485,000 | $6,005,000 | $353,000 | $9,602,000 |
| Application Withdrawn By Applicant | 1,606 | $835,030,000 | $519,000 | $8,765,000 | $306,000 | $6,709,000 |
| Application Approved But Not Accepted | 1,206 | $611,140,000 | $506,000 | $8,765,000 | $383,000 | $9,789,000 |
| Application Denied By Financial Institution | 217 | $100,515,000 | $463,000 | $3,455,000 | $293,000 | $2,456,000 |
| File Closed For Incompleteness | 13 | $5,425,000 | $417,000 | $2,105,000 | $218,000 | $1,344,000 |
| Preapproval Approved but not Accepted | 6 | $2,100,000 | $350,000 | $755,000 | $144,000 | $315,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 5,890 | $2,940,100,000 | $499,000 | $8,765,000 | $344,000 | $9,789,000 |
| Other | 58 | $29,690,000 | $511,000 | $3,455,000 | $239,000 | $1,608,000 |
| Collateral | 58 | $25,140,000 | $433,000 | $1,665,000 | $263,000 | $1,773,000 |
| Credit History | 39 | $14,915,000 | $382,000 | $1,875,000 | $214,000 | $1,824,000 |
| Debt-To-Income Ratio | 32 | $18,800,000 | $587,000 | $2,265,000 | $181,000 | $1,492,000 |
| Unverifiable Information | 17 | $5,885,000 | $346,000 | $825,000 | $1,094,000 | $2,456,000 |
| Employment History | 7 | $3,115,000 | $445,000 | $925,000 | $225,000 | $688,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $2,475,000 | $495,000 | $695,000 | $344,000 | $732,000 |
| Credit Application Incomplete | 1 | $495,000 | $495,000 | $495,000 | $141,000 | $141,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Flexpoint, Inc.'s 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Flexpoint, Inc.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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