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EFINITY FINANCIAL INC.
Independent Mortgage Company|BEDFORD, TX|Multi-Region
Loans Originated
847
Applications
1,244
Volume
$277 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Exceptional
Pricing and Pullthrough Overview
Average Rate Spread
+0.648%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$5,172
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
68.1%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Things to Think About
- Rates typically 65 basis points above market average
- Higher than average fees ($5,172)
Report Card
EFINITY FINANCIAL INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 8 metro areas · 6 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$328,105
Average Borrower Income
$111,483
Average Property Value
$865,720
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Mediocre | Strong | 306 | 36.1% | +0.652% | $5,237 |
FHA Loans | Sound | Exceptional | Mediocre | Exceptional | 469 | 55.4% | +0.696% | $5,279 |
VA Loans | Acceptable | Strong | Mediocre | Sound | 28 | 3.3% | +0.064% | $5,412 |
USDA Loans | Sound | Exceptional | Mediocre | Exceptional | 42 | 5.0% | +0.468% | $3,531 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Mediocre | Strong | 739 | 87.2% | +0.663% | $5,191 |
Refinance | Sound | Strong | Mediocre | Strong | 108 | 12.8% | +0.534% | $5,030 |
Geographic Coverage
Metro Areas
7
States Served
6
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AZCACOFLIDTX
Top Metro Areas by Place Specialization Score
1
El Centro, CA, CAMSA
Volume: 100Mix: 11.81%
Place Specialization
Exceptional
2
Yuma, AZ, AZMSA
Volume: 121Mix: 14.29%
Place Specialization
Exceptional
3
Phoenix, AZMSA
Volume: 391Mix: 46.16%
Place Specialization
Exceptional
4
Fort Worth, TXMSA
Volume: 65Mix: 7.67%
Place Specialization
Strong
5
Dallas, TXMSA
Volume: 37Mix: 4.37%
Place Specialization
Sound
6
Austin, TXMSA
Volume: 15Mix: 1.77%
Place Specialization
Sound
7
Houston, TXMSA
Volume: 17Mix: 2.01%
Place Specialization
Sound
Top States by Place Specialization Score
1
AZState
Volume: 527Mix: 62.22%
Place Specialization
Exceptional
2
TXState
Volume: 200Mix: 23.61%
Place Specialization
Strong
3
CAState
Volume: 113Mix: 13.34%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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