EFINITY FINANCIAL INC. closing costs and rates (2024)
In 2024, EFINITY FINANCIAL INC. originated 740 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $13,127. That ranks #485 nationally by origination volume. For total closing costs among lenders with 500+ originations, EFINITY FINANCIAL INC. ranks #607. That is $6,386 above the national median of $6,741. EFINITY FINANCIAL INC. is most active in Arizona with 479 originations there.
Purchase Originations
740
Ranked #485 nationally
Median Total Costs
$13,127
+94.7% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$5,723
Median Lender Credits
$155
Cost Rank (500+ vol.)
#607
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 462 | 6.562% | $14,941 | $5,671 |
| conventional | 210 | 6.875% | $9,737 | $6,590 |
| usda | 41 | 6.500% | $9,719 | $3,828 |
| va | 27 | 6.375% | $11,264 | $6,695 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Arizona | 479 | 6.625% | $14,008 | #42 |
| Texas | 173 | 6.625% | $10,348 | #216 |
| California | 85 | 6.625% | $14,646 | #218 |
| Colorado | 2 | 6.562% | $22,958 | — |
| Florida | 1 | 6.875% | $19,349 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $7,380 | 7.125% | — | 6 | −$5,747 | |
| 2 | $7,864 | 6.750% | — | 4 | −$5,263 | |
| 3 | $8,006 | 6.500% | — | 9 | −$5,121 | |
| 4 | $8,056 | 6.750% | — | 5 | −$5,071 | |
| 5 | $8,553 | 6.750% | — | 4 | −$4,574 | |
| 6 | $9,136 | 6.625% | — | 11 | −$3,991 | |
| 7 | $9,811 | 6.625% | — | 19 | −$3,316 | |
| 8 | $10,142 | 6.375% | — | 5 | −$2,985 | |
| 9 | $10,397 | 6.562% | — | 36 | −$2,730 | |
| 10 | $10,854 | 6.750% | — | 4 | −$2,273 | |
| 11 | $10,945 | 6.750% | — | 109 | −$2,182 | |
| 12 | $11,232 | 6.250% | — | 10 | −$1,895 | |
| 13 | $11,968 | 5.750% | — | 5 | −$1,159 | |
| 14 | $14,084 | 6.312% | — | 46 | +$957 | |
| 15 | $14,502 | 6.625% | — | 74 | +$1,375 | |
| 16 | $14,534 | 7.000% | — | 5 | +$1,407 | |
| 17 | $14,858 | 7.000% | — | 11 | +$1,731 | |
| 18 | $15,045 | 6.625% | — | 311 | +$1,918 | |
| 19 | $15,671 | 6.312% | — | 6 | +$2,544 | |
| 20 | $16,304 | 6.500% | — | 4 | +$3,177 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.