FlexPoint, Inc.
3,059 mortgages originated in 2025 across 5 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,059
- Median rate
- 7.125%
- Median lender fees
- $12,318
- Median loan amount
- $395,000
- Median spread over APOR
- 0.766
- Paid discount points
- 33.2%
- Received lender credits
- 29.4%
- Purchases / refinances
- 64.8% / 35.1%
- Conventional / FHA / VA
- 82.4% / 16.3% / 1.3%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 76.6% of loans here — see methodology.
Where FlexPoint, Inc. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| California | 1,861 | $12,966 | 6.933% |
| Texas | 290 | $10,123 | 7.250% |
| Florida | 284 | $13,584 | 7.250% |
| North Carolina | 89 | $10,495 | 6.875% |
| Georgia | 80 | $10,939 | 7.375% |