Lender in Arizona · HMDA 2025
Efinity Financial Inc. mortgages in Arizona
Efinity Financial Inc.'s 2025 home-purchase and refinance lending in Arizona, compared with all lenders in the state.
Efinity Financial Inc. originated 682 owner-occupied single-family loans in Arizona from 756 completed applications.
Its median conventional purchase loan costs were $8,780 versus $6,470 for all Arizona lenders, at a median 30-year fixed rate of 6.75% (Arizona: 6.50%).
Loans in AZ
682
of 756 applications
Denial rate
7.8%
Purchase · AZ 8.2%
Rate spread
+0.68 pts
Conv. · AZ +0.11 pts
Loan amount
$345,000
Purchase · AZ $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 668 | 616 | 7.8% | 6.750% | +0.68 pts | $8,780 | $345,000 |
| Refinance | 43 | 27 | 37.2% | — | — | — | $295,000 |
| Cash-out refinance | 45 | 39 | 13.3% | 6.750% | +0.57 pts | $6,720 | $225,000 |
*Conventional loans only; medians with at least 20 loans.
Arizona counties where Efinity Financial Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Yuma County | 5 | 174 | 6.0% |
| Santa Cruz County | 16 | 12 | 1.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology