Purchase Originations
1,388
Ranked #298 nationally
Median Total Costs
$13,777
+106.2% vs national ($6,680)
↓ $1,017 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↓ 0.062% vs prior year
Median Origination
$7,183
Median Lender Credits
$1,810
Cost Rank (500+ vol.)
#596
among lenders with 500+ originations
Denial Rate
3.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 917 | 7.000% | $12,678 | $8,500 |
| fha | 437 | 6.500% | $16,457 | $3,072 |
| va | 34 | 6.250% | $7,334 | $1,694 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 933 | 6.625% | $15,225 | #41 |
| Texas | 123 | 7.000% | $11,169 | #255 |
| Florida | 107 | 7.125% | $14,704 | #222 |
| North Carolina | 45 | 6.750% | $11,147 | — |
| Georgia | 34 | 7.000% | $12,039 | — |
| Virginia | 25 | 7.000% | $9,975 | — |
| Arizona | 19 | 7.000% | $14,030 | — |
| Colorado | 14 | 6.875% | $14,250 | — |
| Nevada | 14 | 7.000% | $15,749 | — |
| New Jersey | 11 | 7.250% | $15,140 | — |
| South Carolina | 11 | 6.875% | $11,071 | — |
| Oklahoma | 8 | 6.812% | $11,045 | — |
| Illinois | 7 | 7.125% | $12,684 | — |
| Pennsylvania | 7 | 7.625% | $10,974 | — |
| Tennessee | 7 | 7.250% | $10,943 | — |
| Idaho | 4 | 6.875% | $16,866 | — |
| Oregon | 4 | 7.812% | $11,452 | — |
| Maryland | 3 | 7.500% | $15,784 | — |
| New Mexico | 3 | 6.500% | $9,738 | — |
| Washington | 3 | 6.750% | $10,857 | — |
| Ohio | 2 | 8.438% | $14,695 | — |
| Alabama | 1 | 6.750% | $13,664 | — |
| Louisiana | 1 | 6.625% | $12,224 | — |
| Michigan | 1 | 6.625% | $9,784 | — |
| Utah | 1 | 6.375% | $11,531 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $8,188 | 6.812% | — | 20 | −$5,589 | |
| 2 | $9,734 | 7.125% | — | 24 | −$4,043 | |
| 3 | $10,552 | 6.625% | — | 25 | −$3,225 | |
| 4 | $11,281 | 6.938% | — | 16 | −$2,496 | |
| 5 | $11,687 | 6.625% | — | 144 | −$2,090 | |
| 6 | $12,882 | 7.188% | — | 12 | −$895 | |
| 7 | $13,631 | 6.250% | — | 63 | −$146 | |
| 8 | $13,662 | 6.750% | — | 17 | −$115 | |
| 9 | $14,548 | 6.500% | — | 17 | +$771 | |
| 10 | $14,608 | 6.250% | — | 40 | +$831 | |
| 11 | $15,749 | 7.000% | — | 14 | +$1,972 | |
| 12 | $15,896 | 6.875% | — | 24 | +$2,119 | |
| 13 | $16,165 | 7.000% | — | 78 | +$2,388 | |
| 14 | $16,253 | 6.375% | — | 74 | +$2,476 | |
| 15 | $16,491 | 6.750% | — | 77 | +$2,714 | |
| 16 | $16,504 | 6.938% | — | 12 | +$2,727 | |
| 17 | $17,891 | 6.875% | — | 67 | +$4,114 | |
| 18 | $18,411 | 7.188% | — | 16 | +$4,634 | |
| 19 | $18,870 | 6.750% | — | 199 | +$5,093 | |
| 20 | $22,319 | 7.375% | — | 24 | +$8,542 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | FlexPoint, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $455,000 | $335,000 | +$120,000 (+35.8%) |
| Median total closing costs | $13,777 | $7,127 | +$6,650 (+93.3%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.