Flexpoint, Inc. mortgage approval rate & lending review
Flexpoint, Inc. decided 7,988 mortgage applications and funded 5,292 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Flexpoint, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Flexpoint, Inc. at a glance
Approval is 11.1 points above the 81.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 3,493 / 3,667 | 77% | $415K | 2,673 |
| Cash-out refinance | 94% | 1,075 / 1,146 | 68% | $375K | 731 |
| Refinance | 91% | 318 / 351 | 59% | $645K | 187 |
| Investment property purchase | 90% | 1,235 / 1,370 | 74% | $385K | 917 |
| Investment cash-out refinance | 89% | 1,005 / 1,130 | 64% | $335K | 640 |
| Investment refinance | 94% | 304 / 324 | 47% | $395K | 144 |
Flexpoint, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 93% | $465K | 5,258 | 3,543 |
| Florida | 87% | $315K | 756 | 447 |
| Texas | 94% | $315K | 621 | 421 |
| Georgia | 98% | $225K | 169 | 120 |
| Arizona | 87% | $415K | 157 | 95 |
| North Carolina | 98% | $265K | 155 | 120 |
| Maryland | 91% | $165K | 102 | 29 |
| Colorado | 99% | $375K | 97 | 63 |
| Nevada | 96% | $355K | 76 | 59 |
| New Jersey | 97% | $305K | 71 | 39 |
| Pennsylvania | 89% | $225K | 71 | 38 |
| Tennessee | 97% | $225K | 62 | 39 |
| Virginia | 96% | $345K | 54 | 41 |
| Illinois | 91% | $305K | 47 | 29 |
| South Carolina | 97% | $265K | 39 | 32 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Flexpoint, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Los Angeles County, CA | Mortgage lenders | 95% | 531 | 379 |
| Kern County, CA | Mortgage lenders | 95% | 436 | 314 |
| Los Angeles County, CA | Cash-out refinance | 96% | 291 | 190 |
| San Bernardino County, CA | Mortgage lenders | 94% | 256 | 177 |
| Riverside County, CA | Mortgage lenders | 94% | 254 | 170 |
| Orange County, CA | Mortgage lenders | 98% | 197 | 158 |
| Monterey County, CA | Mortgage lenders | 95% | 187 | 144 |
| Stanislaus County, CA | Mortgage lenders | 97% | 179 | 139 |
| Los Angeles County, CA | Investment cash-out refinance | 91% | 205 | 126 |
| Los Angeles County, CA | Investment property purchase | 88% | 184 | 118 |
| San Joaquin County, CA | Mortgage lenders | 100% | 123 | 98 |
| Orange County, CA | Cash-out refinance | 91% | 135 | 91 |
The county markets where Flexpoint, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Flexpoint, Inc.
What is Flexpoint, Inc.'s mortgage approval rate?
Flexpoint, Inc. approved 93.0% of the 7,988 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.1 points above the 81.9% national rate for the same mix of loan types.
How often do borrowers take the loan Flexpoint, Inc. offers?
Borrowers accepted 71% of the loans Flexpoint, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Flexpoint, Inc. make?
The typical home purchase mortgage loan Flexpoint, Inc. made was $415K; across all loan types its typical loan ran from $335K to $645K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Flexpoint, Inc. lend?
Flexpoint, Inc. decided applications in 43 of the states Fat Boy Data covers, most of them in California, Florida and Texas.
Can I apply to Flexpoint, Inc. directly?
Yes. Flexpoint, Inc. reports as a direct lender that takes applications from borrowers.
Does this page show Flexpoint, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Flexpoint, Inc. treats applications, then get a rate quote from the lender.