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INFINITY EQUITY GROUP, INC.
Independent Mortgage Company|SACRAMENTO, CA|Multi-Region
Loans Originated
314
Applications
412
Volume
$121 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.590%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,786
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
76.2%
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 loans
Things to Think About
- Rates typically 59 basis points above market average
Report Card
INFINITY EQUITY GROUP, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Multi-Regional · 4 metro areas · 9 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$387,261
Average Borrower Income
$160,341
Average Property Value
$520,191
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Mediocre | Strong | 224 | 71.3% | +0.539% | $3,698 |
FHA Loans | Sound | Strong | Mediocre | Exceptional | 63 | 20.1% | +0.872% | $4,453 |
VA Loans | Strong | Strong | N/A | Strong | 24 | 7.6% | +0.291% | $2,773 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Mediocre | Strong | 271 | 86.3% | +0.617% | $3,899 |
Refinance | Sound | Sound | Acceptable | Exceptional | 43 | 13.7% | +0.417% | $3,071 |
Geographic Coverage
Metro Areas
3
States Served
9
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AZCAFLIDNVORSCTNTX
Top Metro Areas by Place Specialization Score
1
Redding, CA, CAMSA
Volume: 112Mix: 35.67%
Place Specialization
Exceptional
2
Reno, NV, NVMSA
Volume: 102Mix: 32.48%
Place Specialization
Exceptional
3
Las Vegas, NVMSA
Volume: 24Mix: 7.64%
Place Specialization
Sound
Top States by Place Specialization Score
1
NVState
Volume: 133Mix: 42.36%
Place Specialization
Strong
2
CAState
Volume: 154Mix: 49.04%
Place Specialization
Strong
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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