EFINITY FINANCIAL INC.
1,241 mortgages originated in 2025 across 3 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,241
- Median rate
- 6.625%
- Median lender fees
- $11,608
- Median loan amount
- $315,000
- Median spread over APOR
- 0.617
- Paid discount points
- 72.8%
- Received lender credits
- 54.6%
- Purchases / refinances
- 84% / 16%
- Conventional / FHA / VA
- 39.8% / 52.9% / 4.2%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 95.4% of loans here — see methodology.
Where EFINITY FINANCIAL INC. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Arizona | 786 | $12,379 | 6.625% |
| Texas | 274 | $9,739 | 6.625% |
| California | 174 | $11,950 | 6.750% |