Efinity Financial in Texas vs the state
4.9%Denial rate-14.56 pts vs state
6.4%Decision denial rate-18.50 pts vs state
70.3%Origination rate+15.38 pts vs state
6.63%Median rate+0.13 pts vs state
0.53Rate spread (pts)+0.33 pts vs state
$105kMedian applicant income
274Loans originated
19Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 198 | 153 | 2.0% | 6.75% | #404 |
| 2024 | 347 | 218 | 7.8% | 6.63% | #300 |
| 2025 | 390 | 274 | 4.9% | 6.63% | #300 |
What Efinity Financial lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Efinity Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 45 | 34 | 2 | 4.4% |
| Tarrant County | 43 | 27 | 1 | 2.3% |
| Andrews County | 42 | 29 | 4 | 9.5% |
| Johnson County | 21 | 17 | 0 | 0.0% |
| Dallas County | 18 | 9 | 0 | 0.0% |
| Bastrop County | 15 | 11 | 1 | 6.7% |
| Ector County | 14 | 9 | 1 | 7.1% |
| Travis County | 13 | 10 | 0 | 0.0% |
| Camp County | 13 | 10 | 0 | 0.0% |
| Titus County | 12 | 11 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 390 applications in 2025, of which 274 were originated and 19 denied.
4.9% of all applications, or 6.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Efinity Financial originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Efinity Financial's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology