Applications / Mortgage Analytics / Lenders / California / Flexpoint
Valencia, CA · Non-bank lender · CFPB · 3,059 loans in 2025
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3,059
loans originated, 2025
6,101
applications, 2025
39
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Flexpoint, a non-bank lender in Valencia, California, has grown more than fivefold in two years and now lends in 39 states, much of it in majority-minority neighborhoods.
It made 565 loans in 2023, 1,983 in 2024 and 3,059 in 2025. Its count rose 54% last year, against 9% at similar lenders, non-bank lenders making between half and twice as many loans, and 10% for the whole market. It entered Lubbock, Charlottesville and Trenton-Princeton in 2025. It is a mainly conventional purchase lender: 64.8% of its loans were purchases and 82.4% conventional.
Its share of Salinas, CA rose to 2.7% from 2.1%, ranking it 6 of 300 lenders. In Bakersfield-Delano, CA it rose to 1.3% from 1.0%, ranking 17 of 407. United Wholesale Mortgage led both markets.
It made 65.9% of its loans in majority-minority neighborhoods, against 33.4% at similar lenders, the highest share in the group, and 28.8% in low- and moderate-income (LMI) neighborhoods, against 19.5%. Yet only 7.4% of its borrowers had LMI incomes, against 29.1%. Its loans are larger, typically $395,000 against $295,000, and 7.7% were jumbo (larger than the conforming limit), so its borrowers may need higher incomes to qualify even in poorer neighborhoods.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Flexpoint took 6,101 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.8% · Refinance 35.1% · Other 0.0%
Conventional 82.4% · FHA 16.3% · VA 1.3% · of 3,059 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 1,861 | 60.8% |
| Texas | 290 | 9.5% |
| Florida | 284 | 9.3% |
| North Carolina | 89 | 2.9% |
| Georgia | 80 | 2.6% |
| Arizona | 48 | 1.6% |
| Virginia | 46 | 1.5% |
| Colorado | 42 | 1.4% |
| New Jersey | 36 | 1.2% |
| Nevada | 34 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 499 |
| Riverside-San Bernardino-Ontario | 313 |
| Anaheim-Santa Ana-Irvine | 214 |
| Bakersfield-Delano | 200 |
| Salinas | 120 |
| Houston-Pasadena-The Woodlands | 102 |
| Dallas-Plano-Irving | 91 |
| Modesto | 81 |
| Stockton-Lodi | 65 |
| San Diego-Chula Vista-Carlsbad | 62 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900QNIR86GUIRYH95 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4730145 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7954575252 |
Established 30 October 2025. Reported under HMDA 2013-2025.
Mergers, name changes, data editions and corrections: Flexpoint's data.
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