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Efinity Financial

Independent Mortgage Company•Bedford, TXHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Efinity Financial — 847 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 7 mkts

Safe Rate 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)

Explore another lender or local market

Report Card

Efinity Financial performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+64.8 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Exceptional
Top 20% of lenders
VA
Strong
Top 40% of lenders
USDA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Strong
Volume306
Mix36.1%
Spread
+0.652%Above
Fees
$5,237Fees
FHA Loans
Overall
Sound
Product
Exceptional
Pricing
Mediocre
Pull Through
Exceptional
Volume469
Mix55.4%
Spread
+0.696%Above
Fees
$5,279Fees
VA Loans
Overall
Acceptable
Product
Strong
Pricing
Mediocre
Pull Through
Sound
Volume28
Mix3.3%
Spread
+0.064%Above
Fees
$5,412Fees
USDA Loans
Overall
Sound
Product
Exceptional
Pricing
Mediocre
Pull Through
Exceptional
Volume42
Mix5.0%
Spread
+0.468%Above
Fees
$3,531Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Strong
Volume739
Mix87.2%
Spread
+0.663%Above
Fees
$5,191Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Strong
Volume108
Mix12.8%
Spread
+0.534%Above
Fees
$5,030Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
847
Applications
1,244
Volume
$277 million
Pricing & Closing
Avg Rate Spread
+0.648%
vs. market APOR
Avg Net Fees
$5,172
Origination − Credits
Pullthrough Rate
68.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$328,105
Avg Borrower Income
$111,483
Avg Property Value
$865,720

Geographic Coverage

Geographic Performance

Metro Areas
7
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

6
6 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South2
FLTX
West4
AZCACOID

Top Metro Areas by Place Specialization Score

1© Omar Bárcena · CC BY 2.0
El Centro, CAMetro
Volume 100Mix 11.81% of portfolio
100/100
Exceptional
2© Jesuiseduardo · CC BY-SA 4.0
Yuma, AZMetro
Volume 121Mix 14.29% of portfolio
83/100
Exceptional
3© DPPed · CC BY-SA 3.0
Phoenix, AZMetro
Volume 391Mix 46.16% of portfolio
80/100
Exceptional
4© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0
Fort Worth, TXMetro
Volume 65Mix 7.67% of portfolio
64/100
Strong
5© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 37Mix 4.37% of portfolio
53/100
Sound
6© Quintin Soloviev · CC BY 4.0
Austin, TXMetro
Volume 15Mix 1.77% of portfolio
44/100
Sound
7© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 17Mix 2.01% of portfolio
43/100
Sound

Top States by Place Specialization Score

Arizona
Arizona
1
ArizonaState
Volume 527Mix 62.22% of portfolio
82/100
Exceptional
Texas
Texas
2
TexasState
Volume 200Mix 23.61% of portfolio
66/100
Strong
California
California
3
CaliforniaState
Volume 113Mix 13.34% of portfolio
59/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.