Applications / Mortgage Analytics / Lenders / Texas / Efinity Financial
Austin, TX · Non-bank lender · CFPB · 1,241 loans in 2025
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1,241
loans originated, 2025
1,799
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Efinity Financial is a home-buyer's lender that leans on loans insured by the Federal Housing Administration (FHA), and it grew by a third in 2025, about three times as fast as the market.
Efinity made 1,241 loans in 2025, up 34% on 926 the year before. Similar lenders, non-bank lenders making between half and twice as many loans, grew by 10%, as did the whole market. The rise follows a lean patch: it made 555 loans in its first reported year, 2021, and only 348 in 2023.
FHA loans made up 52.9% of its lending, against 14.7% for similar lenders, a higher share than nine in ten of them. Purchases were 84.0% of its loans. Its typical loan, $315,000, sat close to its peers' $325,000. Most of its business finances a purchase rather than a refinance.
Its lending is centered on Arizona, but its weight shows in small markets. It ranked 2 of 171 lenders in El Centro, California, where its share rose from 6.9% to 8.5%, and 5 of 216 in Yuma, with 4.7%. In Phoenix, a far bigger market, it held 0.4%.
Of its loans, 31.8% went to low- and moderate-income (LMI) neighborhoods, against 20.2% for similar lenders, and 68.0% to majority-minority neighborhoods, against 38.2%. Both are higher than at most of its peers. Its FHA focus and the markets it serves are plausible reasons for both.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2021–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Efinity Financial took 1,799 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 84.0% · Refinance 16.0%
FHA 52.9% · Conventional 39.8% · VA 4.2% · USDA (RHS or FSA) 3.1% · of 1,241 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Arizona | 786 | 63.3% |
| Texas | 273 | 22.0% |
| California | 174 | 14.0% |
| Colorado | 3 | 0.2% |
| Florida | 3 | 0.2% |
| New Mexico | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Phoenix-Mesa-Chandler | 530 |
| Yuma | 205 |
| El Centro | 142 |
| Fort Worth-Arlington-Grapevine | 50 |
| San Antonio-New Braunfels | 40 |
| Dallas-Plano-Irving | 33 |
| Austin-Round Rock-San Marcos | 30 |
| Tucson | 13 |
| Riverside-San Bernardino-Ontario | 12 |
| Houston-Pasadena-The Woodlands | 11 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FHWDJMELT59Z22 | 2021–2025 |
Established 16 June 2009. Reported under HMDA 2021-2025.
Mergers, name changes, data editions and corrections: Efinity Financial's data.
Efinity Financial's data
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Efinity Financial and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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