Lender profile · HMDA 2023–2025
Efinity Financial Inc. mortgage approval rates & lending data
Efinity Financial Inc. decided 2,515 mortgage applications and funded 2,308 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
| Colorado | 94% | $415K | 18 | 16 |
| Florida | 85% | $375K | 13 | 10 |
| Kansas | 100% | $165K | 3 | 3 |
| Idaho | 100% | $265K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.