Lender in Texas · HMDA 2025
Efinity Financial Inc. mortgages in Texas
Efinity Financial Inc.'s 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Efinity Financial Inc. originated 246 owner-occupied single-family loans in Texas from 266 completed applications.
Its median conventional purchase loan costs were $7,470 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.625% (Texas: 6.50%).
Loans in TX
246
of 266 applications
Denial rate
5.5%
Purchase · TX 10.2%
Rate spread
+0.32 pts
Conv. · TX +0.09 pts
Loan amount
$275,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 235 | 219 | 5.5% | 6.625% | +0.32 pts | $7,470 | $275,000 |
| Refinance | 12 | 11 | — | — | — | — | — |
| Cash-out refinance | 19 | 16 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Efinity Financial Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Andrews County | 1 | 26 | 10.9% |
| Camp County | 2 | 10 | 7.8% |
| Brewster County | 4 | 4 | 6.9% |
| Titus County | 8 | 10 | 4.5% |
| Yoakum County | 15 | 1 | 2.0% |
| Haskell County | 18 | 1 | 2.6% |
| Frio County | 19 | 1 | 2.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology