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 Refi and Cash Out Refi loans. Infinity Equity Group has a high proportion of conventional loans. Their top markets by origination volume include: Redding, Reno, Santa Rosa, Los Angeles, and Sacramento among others. We have data for 24 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 an above average pick rate when compared to similar lenders. Infinity Equity Group is typically a low 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% | 4/22/24 |
| 30 Year Conventional Refi | 6.54% | 4/22/24 |
| 30 Year Cash-out Refi | 6.93% | 4/22/24 |
| 30 Year FHA Purchase | 6.27% | 4/22/24 |
| 30 Year VA Purchase | 6.56% | 4/22/24 |
| 15 Year Conventional Purchase | 6.32% | 4/22/24 |
| 15 Year Conventional Refi | 5.94% | 4/22/24 |
| 15 Year Cash-out Refi | 5.94% | 4/22/24 |
| 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
281Origination Dollar Volume (All Markets)
$85,435,000Awards
INFINITY EQUITY GROUP - 2020
INFINITY EQUITY GROUP is a 2020 , due to their low .
For 2020, 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) | 146 | $40,460,000 | $277,123 | $4,154 | 2.89% |
| RENO, NV (FHA|USDA|VA) | 56 | $17,350,000 | $309,821 | $3,966 | 2.91% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 16 | $6,450,000 | $403,125 | $3,910 | 2.91% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 5 | $2,505,000 | $501,000 | $3,451 | 2.58% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 7 | $2,385,000 | $340,714 | $4,045 | 3.04% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 6 | $2,260,000 | $376,667 | $3,481 | 3.00% |
| NAPA, CA (FHA|USDA|VA) | 4 | $2,100,000 | $525,000 | $4,243 | 2.97% |
| Outside of Metro Areas | 8 | $2,020,000 | $252,500 | $4,392 | 2.89% |
| Red Bluff, CA (FHA|USDA|VA) | 8 | $1,960,000 | $245,000 | $4,453 | 2.86% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 5 | $1,455,000 | $291,000 | $4,357 | 3.10% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $3,739 | 2.75% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $3,529 | 2.56% |
| CARSON CITY, NV (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $5,533 | 3.04% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $3,407 | 2.75% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $4,445 | 2.88% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,085 | 2.88% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,215 | 2.88% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,014 | 2.50% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,933 | 2.25% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,051 | 2.99% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,608 | 3.00% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,809 | 2.75% |
| Fernley, NV (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,973 | 3.38% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,762 | 3.63% |
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
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 281 | $85,435,000 | $304,039 | $4,084 | 2.90% |
For 2020, Infinity Equity Group's most frequently originated type of loan was Conventional, with 281 originations.
Loan Reason
For 2020, Infinity Equity Group's most frequently cited loan purpose was Refi, with 178 originations. The 2nd most popular reason was Cash Out Refi, with 62 originations.
Loan Duration/Length
For 2020, Infinity Equity Group's most frequently cited loan duration was 30 Year, with 233 originations. The 2nd most popular length was 15 Year, with 33 originations.
Origination Fees/Closing Costs
Infinity Equity Group's average total fees were $4,236, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 164 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 192 | $59,940,000 | $312,188 |
| 3-4% | 53 | $14,265,000 | $269,151 |
| <2.5% | 36 | $11,230,000 | $311,944 |
During 2020, Infinity Equity Group's average interest rate for loans was 2.97%, while their most frequently originated rate bucket for loans was 2.5-3%, with 192 originations.
Loan Sizing
2020 saw Infinity Equity Group place emphasis on $200k-400k loans with 150 originations, totaling $43,570,000 in origination value.
Applicant Income
Infinity Equity Group lent most frequently to those with incomes in the $100k-150k range, with 68 originations. The second most popular income band? $50k-75k, with 60 originations.
Applicant Debt to Income Ratio
Infinity Equity Group lent most frequently to those with DTI ratios of 20-30%, with 90 originations. The next most common DTI ratio? 30-36%, with 47 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications99.66%
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 origination94.31%
Infinity Equity Group has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 281 | $85,435,000 | $304,039 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 281 | $85,435,000 | $304,039 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| iHome Financial Inc. | Conventional home mortgage | Trouble during payment process | 1 | 100.0% |