Efinity Financial Inc. mortgage approval rate & lending review
Efinity Financial Inc. decided 2,515 mortgage applications and funded 2,308 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Efinity Financial Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Efinity Financial Inc. at a glance
Approval is 7.8 points above the 85.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 1,894 / 2,013 | 99% | $335K | 1,878 |
| Cash-out refinance | 92% | 187 / 204 | 99% | $235K | 185 |
| Refinance | 79% | 93 / 118 | 98% | $295K | 91 |
| Investment property purchase | 88% | 76 / 86 | 99% | $215K | 75 |
| Investment cash-out refinance | 94% | 58 / 62 | 97% | $195K | 56 |
| Investment refinance | 81% | 25 / 31 | 88% | $345K | 22 |
Efinity Financial Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Arizona | 92% | $365K | 1,627 | 1,494 |
| Texas | 92% | $275K | 520 | 466 |
| California | 96% | $335K | 333 | 318 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Efinity Financial Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Maricopa County, AZ | Mortgage lenders | 93% | 891 | 828 |
| Yuma County, AZ | Mortgage lenders | 96% | 327 | 311 |
| Imperial County, CA | Mortgage lenders | 98% | 190 | 186 |
| Imperial County, CA | Cash-out refinance | 96% | 52 | 50 |
| Yuma County, AZ | Cash-out refinance | 90% | 29 | 26 |
The county markets where Efinity Financial Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Efinity Financial Inc.
What is Efinity Financial Inc.'s mortgage approval rate?
Efinity Financial Inc. approved 92.8% of the 2,515 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.8 points above the 85.0% national rate for the same mix of loan types.
How often do borrowers take the loan Efinity Financial Inc. offers?
Borrowers accepted 99% of the loans Efinity Financial Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Efinity Financial Inc. make?
The typical home purchase mortgage loan Efinity Financial Inc. made was $335K; across all loan types its typical loan ran from $195K to $345K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Efinity Financial Inc. lend?
Efinity Financial Inc. decided applications in 7 of the states Fat Boy Data covers, most of them in Arizona, Texas and California.
Can I apply to Efinity Financial Inc. directly?
Yes. Efinity Financial Inc. reports as a direct lender that takes applications from borrowers.
Does this page show Efinity Financial Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Efinity Financial Inc. treats applications, then get a rate quote from the lender.