# EFINITY FINANCIAL INC.

> **Canonical URL:** https://saferate.com/lenders/efinity-financial


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


EFINITY FINANCIAL INC. is a independent mortgage company, headquartered in BEDFORD, TX, serving borrowers across 6 states, with 847 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 88% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 19% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300FHWDJMELT59Z22
- **Headquarters:** BEDFORD, TX
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** AZ, CA, CO, FL, ID, TX
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 12/100
- Rating: ●○○○○ (1/5)

### Pull Through: Exceptional 🤩
- Score: 81/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.648%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $5,172
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 847
- **Dollar Volume:** $278 million
- **Applications Received:** 1,244
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $328,105
- **Average Borrower Income:** $111,483
- **Average Property Value:** $865,720

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (62%)
- ⭐ **USDA Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 68/100 | 306 | +0.652% | $5,237 | Strong 😀 |
| FHA | 81/100 | 469 | +0.696% | $5,279 | Exceptional 🤩 |
| VA | 60/100 | 28 | +0.064% | $5,412 | Strong 😀 |
| USDA | 82/100 | 42 | +0.468% | $3,531 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 239 loans, Score: 66/100 (Strong)
- Refinance: 67 loans, Score: 64/100 (Strong)

**FHA:**
- Purchase: 431 loans, Score: 80/100 (Exceptional)
- Refinance: 38 loans, Score: 75/100 (Strong)

**VA:**
- Purchase: 26 loans, Score: 61/100 (Strong)

**USDA:**
- Purchase: 42 loans, Score: 82/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 76/100 | 739 | $248M | +0.663% | Strong 😀 |
| Refinance | 70/100 | 108 | $30M | +0.534% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AZ | 527 | 0.53% | 82/100 |
| TX | 200 | 0.06% | 66/100 |
| CA | 113 | 0.04% | 59/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Phoenix | AZ | 391 | 80/100 |
| Yuma, AZ | AZ | 121 | 83/100 |
| El Centro, CA | CA | 100 | 100/100 |
| Fort Worth | TX | 65 | 64/100 |
| Non |  | 60 | 43/100 |
| Dallas | TX | 37 | 53/100 |
| Houston | TX | 17 | 43/100 |
| Austin | TX | 15 | 44/100 |

## Where This Lender Ranks

EFINITY FINANCIAL INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in El Centro, CA for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/el-centro-ca/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#5** in Yuma, AZ for USDA Loans
  - [View Full Rankings](https://saferate.com/yuma-az/best-mortgage-lenders/usda-loans)
- 🏆 **#5** in Yuma, AZ for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/yuma-az/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#8** in Yuma, AZ for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/yuma-az/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#9** in El Centro, CA Mortgage Companies
  - [View Full Rankings](https://saferate.com/el-centro-ca/best-mortgage-lenders/mortgage-companies)
- 🏆 **#10** in Yuma, AZ for FHA Loans
  - [View Full Rankings](https://saferate.com/yuma-az/best-mortgage-lenders/fha-loans)
- 🏆 **#10** in El Centro, CA
  - [View Full Rankings](https://saferate.com/el-centro-ca/best-mortgage-lenders)
- 🏆 **#10** in El Centro, CA for FHA Loans
  - [View Full Rankings](https://saferate.com/el-centro-ca/best-mortgage-lenders/fha-loans)
- 🏆 **#10** in El Centro, CA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/el-centro-ca/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#11** in Yuma, AZ Mortgage Companies
  - [View Full Rankings](https://saferate.com/yuma-az/best-mortgage-lenders/mortgage-companies)
- 🏆 **#12** in Yuma, AZ for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/yuma-az/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#12** in El Centro, CA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/el-centro-ca/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#15** in Arizona for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/arizona/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#15** in Yuma, AZ
  - [View Full Rankings](https://saferate.com/yuma-az/best-mortgage-lenders)
- 🏆 **#15** in El Centro, CA for Conventional Loans
  - [View Full Rankings](https://saferate.com/el-centro-ca/best-mortgage-lenders/conventional-loans)
- 🏆 **#16** in Arizona for USDA Loans
  - [View Full Rankings](https://saferate.com/arizona/best-mortgage-lenders/usda-loans)
- 🏆 **#17** in Yuma, AZ for Conventional Loans
  - [View Full Rankings](https://saferate.com/yuma-az/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does EFINITY FINANCIAL INC. offer?

EFINITY FINANCIAL INC. offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does EFINITY FINANCIAL INC. offer mortgages?

EFINITY FINANCIAL INC. offers mortgages in 6 states: AZ, CA, CO, FL, ID, TX.

### How competitive are EFINITY FINANCIAL INC.'s mortgage rates?

EFINITY FINANCIAL INC. has a pricing score of 12/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.648% above market average.

### What type of lender is EFINITY FINANCIAL INC.?

EFINITY FINANCIAL INC. is a non-depository lender that specializes in mortgage origination, headquartered in BEDFORD, TX.

### What is EFINITY FINANCIAL INC.'s loan approval success rate?

EFINITY FINANCIAL INC. has a pull-through score of 81/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/efinity-financial

### How to Cite

> "EFINITY FINANCIAL INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/efinity-financial

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