Purchase Originations
999
Ranked #380 nationally
Median Total Costs
$12,257
+83.5% vs national ($6,680)
↓ $870 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$4,840
Median Lender Credits
$197
Cost Rank (500+ vol.)
#584
among lenders with 500+ originations
Denial Rate
6.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 613 | 6.500% | $14,484 | $5,009 |
| conventional | 301 | 6.750% | $8,275 | $5,035 |
| va | 47 | 6.500% | $9,873 | $3,602 |
| usda | 38 | 6.500% | $8,695 | $2,232 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Arizona | 660 | 6.625% | $13,103 | #27 |
| Texas | 222 | 6.500% | $9,901 | #192 |
| California | 114 | 6.750% | $13,012 | #187 |
| Florida | 2 | 6.250% | $15,924 | — |
| Colorado | 1 | 6.500% | $23,085 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,173 | 6.250% | — | 6 | −$6,084 | |
| 2 | $7,324 | 6.688% | — | 6 | −$4,933 | |
| 3 | $7,683 | 6.500% | — | 9 | −$4,574 | |
| 4 | $8,279 | 6.250% | — | 9 | −$3,978 | |
| 5 | $9,170 | 6.625% | — | 7 | −$3,087 | |
| 6 | $9,805 | 6.500% | — | 30 | −$2,452 | |
| 7 | $10,037 | 6.625% | — | 183 | −$2,220 | |
| 8 | $10,267 | 7.125% | — | 9 | −$1,990 | |
| 9 | $10,338 | 6.750% | — | 8 | −$1,919 | |
| 10 | $10,618 | 6.625% | — | 28 | −$1,639 | |
| 11 | $11,337 | 6.500% | — | 18 | −$920 | |
| 12 | $11,387 | 6.500% | — | 9 | −$870 | |
| 13 | $11,653 | 6.125% | — | 11 | −$604 | |
| 14 | $12,047 | 6.500% | — | 12 | −$210 | |
| 15 | $13,012 | 6.750% | — | 92 | +$755 | |
| 16 | $13,171 | 6.500% | — | 9 | +$914 | |
| 17 | $13,238 | 6.500% | — | 35 | +$981 | |
| 18 | $13,372 | 6.625% | — | 13 | +$1,115 | |
| 19 | $13,700 | 7.125% | — | 7 | +$1,443 | |
| 20 | $14,966 | 6.500% | — | 407 | +$2,709 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Efinity Financial Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $335,000 | $335,000 | +$0 (+0.0%) |
| Median total closing costs | $12,257 | $7,127 | +$5,130 (+72.0%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.