Mortgage by CountyWhat home buyers actually paid, county by county

Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

Lender profile · HMDA 2025

Efinity Financial Inc.: 2025 mortgage rates, costs & approvals

How Efinity Financial Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: EFINITY FINANCIAL INC. · LEI 549300FHWDJMELT59Z22

In 2025, Efinity Financial Inc. originated 1,080 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 5 states — 432nd by volume among the 2,017 lenders profiled here.

On conventional 30-year fixed purchase loans its median rate was 6.75% (all lenders: 6.625%); its median rate spread was 45 basis points above the national median. Median conventional loan costs were $8,460, 52% higher than the national median ($5,570).

It denied 7.3% of completed home-purchase applications (all lenders: 8.5%).

Loans
1,080
of 1,187 applications
Denial rate
7.3%
Purchase · all 8.5%
30-yr fixed rate
6.75%
Conv. · all 6.625%
Loan costs
$8,460
Conv. · all $5,570
Loan amount
$335,000
Purchase · all $335,000
Borrower income
$92,000
Purchase · all $116,000

How Efinity Financial Inc. priced home-purchase loans

Purchase loans, 2025Efinity Financial Inc.All lenders
30-year fixed rate · conventional6.750%6.625%
30-year fixed rate · FHA6.500%6.250%
30-year fixed rate · VA6.500%6.125%
15-year fixed rate · conventional—5.875%
Rate spread vs. APOR · conventional+0.58 pts+0.13 pts
Total loan costs · conventional$8,460$5,570
Total loan costs · FHA$14,590$11,310
Total loan costs · VA$10,720$6,490
Origination charges (all types)$4,920$1,860
Borrowers paying discount points74.2%51.3%
Points paid, when paid (% of loan)1.11%0.87%
Borrowers receiving lender credits56.5%33.1%

Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.

Loan mix and borrowers

By loan type

Conventional 35.3% 381
FHA 56.7% 612
VA 4.5% 49
USDA 3.5% 38

By purpose

Home purchase 88.1% 951
Refinance 4.0% 43
Cash-out refinance 8.0% 86
Home value
$365,000
Median, purchase loans
Down payment
3.5%
All lenders 10%
Refi rate
6.625%
30-yr fixed, conventional
Refi denial rate
27.9%
Cash-out 11.3%

Why Efinity Financial Inc. denied purchase applications

Credit history 25.3% 19
Credit application incomplete 21.3% 16
Debt-to-income ratio 20.0% 15
Collateral (appraisal/property) 16.0% 12
Insufficient cash (down payment/closing costs) 6.7% 5
Employment history 4.0% 3
Other 4.0% 3
Unverifiable information 2.7% 2

First reason the lender reported for each denied home-purchase application.

Where Efinity Financial Inc. lends

StateLoansApplicationsPurchase denial rate30-yr rate*Loan costs*
Arizona6827567.8%6.750%$8,780
Texas2462665.5%6.625%$7,470
California1481596.6%6.875%$8,900
Florida35———
Colorado11———

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Efinity Financial Inc.'s page for that state.

Counties where Efinity Financial Inc. is a top lender

Check Efinity Financial Inc. yourself

This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.

Lenders of similar size

Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology