Infinity Equity Group Mortgage Rates, Fees & Info
SACRAMENTO, CALEI: 5493000XC2Y1SLXRQP11
Tax ID: 72-1591908
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Mortgage Data
Review & Overview
Infinity Equity Group is a smaller mortgage company specializing in Home Purchase loans. Infinity Equity Group has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Redding, Reno, Red Bluff, Santa Rosa, and Las Vegas among others. We have data for 23 markets. (Some data included below & more in-depth data is available with an active subscription.)Infinity Equity Group has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Infinity Equity Group is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.89% | 4/18/24 |
| 30 Year Conventional Refi | 6.54% | 4/18/24 |
| 30 Year Cash-out Refi | 6.93% | 4/18/24 |
| 30 Year FHA Purchase | 6.27% | 4/18/24 |
| 30 Year VA Purchase | 6.56% | 4/18/24 |
| 15 Year Conventional Purchase | 6.32% | 4/18/24 |
| 15 Year Conventional Refi | 5.94% | 4/18/24 |
| 15 Year Cash-out Refi | 5.94% | 4/18/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Infinity Equity Group Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
417Origination Dollar Volume (All Markets)
$109,815,000Awards
INFINITY EQUITY GROUP - 2018
INFINITY EQUITY GROUP is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| REDDING, CA (FHA|USDA|VA) | 245 | $59,255,000 | $241,857 | $5,664 | 4.85% |
| RENO, NV (FHA|USDA|VA) | 44 | $13,550,000 | $307,955 | $5,837 | 4.89% |
| Red Bluff, CA (FHA|USDA|VA) | 33 | $7,645,000 | $231,667 | $6,593 | 4.83% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 14 | $6,260,000 | $447,143 | $7,071 | 4.59% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 13 | $3,845,000 | $295,769 | $5,576 | 4.77% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 9 | $3,465,000 | $385,000 | $8,191 | 4.64% |
| Outside of Metro Areas | 12 | $2,930,000 | $244,167 | $4,768 | 4.82% |
| CHICO, CA (FHA|USDA|VA) | 8 | $2,390,000 | $298,750 | $5,027 | 5.17% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 5 | $2,315,000 | $463,000 | $9,686 | 4.84% |
| Fernley, NV (FHA|USDA|VA) | 7 | $1,315,000 | $187,857 | $4,874 | 4.88% |
| Susanville, CA (FHA|USDA|VA) | 7 | $1,245,000 | $177,857 | $5,207 | 4.80% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $7,313 | 5.17% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $3,972 | 4.81% |
| MEDFORD, OR (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $4,548 | 4.83% |
| CARSON CITY, NV (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $5,814 | 5.00% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $9,845 | 4.88% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $5,453 | 4.63% |
| Klamath Falls, OR (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,719 | 5.19% |
| Coos Bay, OR (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $5,230 | 4.87% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,726 | 4.75% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,908 | 5.38% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,548 | 4.13% |
| Brookings, OR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,696 | 4.99% |
Similar Lenders
We use machine learning to identify the top lenders compared against INFINITY EQUITY GROUP based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2018, Infinity Equity Group's most frequently originated type of loan was Conventional, with 231 originations. Their 2nd most popular type was FHA, with 105 originations.
Loan Reason
For 2018, Infinity Equity Group's most frequently cited loan purpose was Home Purchase, with 320 originations. The 2nd most popular reason was Cash Out Refi, with 62 originations.
Loan Duration/Length
For 2018, Infinity Equity Group's most frequently cited loan duration was 30 Year, with 394 originations. The 2nd most popular length was 15 Year, with 20 originations.
Origination Fees/Closing Costs
Infinity Equity Group's average total fees were $5,926, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 317 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 289 | $78,985,000 | $273,304 |
| 5-6% | 108 | $25,430,000 | $235,463 |
| 3-4% | 17 | $4,795,000 | $282,059 |
| 6-7% | 1 | $185,000 | $185,000 |
During 2018, Infinity Equity Group's average interest rate for loans was 4.87%, while their most frequently originated rate bucket for loans was 4-5%, with 289 originations.
Loan Sizing
2018 saw Infinity Equity Group place emphasis on $200k-400k loans with 234 originations, totaling $64,620,000 in origination value.
Applicant Income
Infinity Equity Group lent most frequently to those with incomes in the $50k-75k range, with 123 originations. The second most popular income band? $100k-150k, with 88 originations.
Applicant Debt to Income Ratio
Infinity Equity Group lent most frequently to those with DTI ratios of 30-36%, with 70 originations. The next most common DTI ratio? 50-60%, with 59 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.89%
Infinity Equity Group has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination80.58%
Infinity Equity Group has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 417 | $109,815,000 | $263,345 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 11 | $2,495,000 | $226,818 |
| Single Family (1-4 Units):Site-Built | 406 | $107,320,000 | $264,335 |