EFINITY FINANCIAL INC.
EFINITY FINANCIAL INC. received 1,799 applications in 2025 and made 1,241 mortgages, in 107 counties across 9 states. The median rate its borrowers got was 6.625% on a median loan of $315,000. Of 1,376 decisions, 131 were denials — 9.5%, most often for credit history. 20 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300FHWDJMELT59Z22 |
|---|---|
| Applications received | 1,799 |
| Mortgages made | 1,241 |
| Denied | 131 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 423 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.617 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 1,043 | 6.625% | $325,000 | 8.1% |
| Refinancing | 58 | 6.625% | $300,000 | 27.2% |
| Cash-out refinancing | 140 | 6.875% | $215,000 | 9.1% |
| Other purposes | 0 | Under 10 loans | Under 10 loans | 100.0% |
Where EFINITY FINANCIAL INC. lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Maricopa County, AZ | 490 | 6.500% | 12.8% |
| Yuma County, AZ | 205 | 6.625% | 6.0% |
| Imperial County, CA | 142 | 6.750% | 2.1% |
| Pinal County, AZ | 40 | 6.500% | 9.1% |
| Bexar County, TX | 34 | 6.500% | 5.6% |
| Andrews County, TX | 29 | 6.625% | 12.1% |
| Tarrant County, TX | 27 | 6.625% | 3.6% |
| Johnson County, TX | 17 | 6.500% | 0.0% |
| Pima County, AZ | 13 | 6.625% | 13.3% |
| Santa Cruz County, AZ | 13 | 6.500% | 7.1% |
| Yavapai County, AZ | 11 | 6.500% | 15.4% |
| Riverside County, CA | 11 | 7.125% | 8.3% |
| Bastrop County, TX | 11 | 6.125% | 8.3% |
| Titus County, TX | 11 | 6.500% | 0.0% |
| Camp County, TX | 10 | 6.313% | 0.0% |
| Midland County, TX | 10 | 7.125% | 0.0% |
| Travis County, TX | 10 | 6.500% | 0.0% |
| Navajo County, AZ | 9 | Under 10 loans | 10.0% |
| Dallas County, TX | 9 | Under 10 loans | 0.0% |
| Ector County, TX | 9 | Under 10 loans | 10.0% |
| Denton County, TX | 7 | Under 10 loans | 12.5% |
| Collin County, TX | 6 | Under 10 loans | 25.0% |
| Parker County, TX | 6 | Under 10 loans | 14.3% |
| Orange County, CA | 5 | Under 10 loans | 0.0% |
| San Diego County, CA | 5 | Under 10 loans | 0.0% |
| Brewster County, TX | 5 | Under 10 loans | 0.0% |
| Ellis County, TX | 4 | Under 10 loans | 20.0% |
| El Paso County, TX | 4 | Under 10 loans | 0.0% |
| Hays County, TX | 4 | Under 10 loans | 0.0% |
| Williamson County, TX | 4 | Under 10 loans | 0.0% |
| Fort Bend County, TX | 3 | Under 10 loans | 0.0% |
| Guadalupe County, TX | 3 | Under 10 loans | 0.0% |
| Harris County, TX | 3 | Under 10 loans | 40.0% |
| Hill County, TX | 3 | Under 10 loans | 0.0% |
| Hunt County, TX | 3 | Under 10 loans | 0.0% |
| Kaufman County, TX | 3 | Under 10 loans | 0.0% |
| Mohave County, AZ | 2 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 2 | Under 10 loans | 60.0% |
| Solano County, CA | 2 | Under 10 loans | 0.0% |
| Stanislaus County, CA | 2 | Under 10 loans | 0.0% |
| Jefferson County, CO | 2 | Under 10 loans | 0.0% |
| Bell County, TX | 2 | Under 10 loans | 0.0% |
| Hopkins County, TX | 2 | Under 10 loans | 0.0% |
| Medina County, TX | 2 | Under 10 loans | 0.0% |
| Nueces County, TX | 2 | Under 10 loans | 0.0% |
| Cochise County, AZ | 1 | Under 10 loans | 0.0% |
| Coconino County, AZ | 1 | Under 10 loans | 0.0% |
| Gila County, AZ | 1 | Under 10 loans | 0.0% |
| Kern County, CA | 1 | Under 10 loans | 0.0% |
| Kings County, CA | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.