Infinity Equity Group Mortgage Rates, Fees & Info

SACRAMENTO, CA

LEI: 5493000XC2Y1SLXRQP11

Tax ID: 72-1591908

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Mortgage Data

Review & Overview

Infinity Equity Group is a smaller mortgage company specializing in Refi, Home Purchase, 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, Red Bluff, and Phoenix among others. We have data for 41 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.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.89% 3/28/24
30 Year Conventional Refi 6.54% 3/28/24
30 Year Cash-out Refi 6.93% 3/28/24
30 Year FHA Purchase 6.27% 3/28/24
30 Year VA Purchase 6.56% 3/28/24
15 Year Conventional Purchase 6.32% 3/28/24
15 Year Conventional Refi 5.94% 3/28/24
15 Year Cash-out Refi 5.94% 3/28/24
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






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Infinity Equity Group. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

749

Origination Dollar Volume (All Markets)

$230,505,000

Awards

INFINITY EQUITY GROUP 30 Year Conventional Loans bronze
Show all (1) awards

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) 401 $110,055,000 $274,451 $4,602 3.19%
RENO, NV (FHA|USDA|VA) 119 $41,935,000 $352,395 $4,880 3.12%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 26 $11,430,000 $439,615 $4,958 2.96%
Red Bluff, CA (FHA|USDA|VA) 42 $10,630,000 $253,095 $4,841 3.21%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 23 $7,885,000 $342,826 $4,601 3.20%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 22 $7,830,000 $355,909 $4,319 3.08%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 15 $7,235,000 $482,333 $3,972 2.93%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 14 $7,090,000 $506,429 $5,014 3.10%
Outside of Metro Areas 18 $4,950,000 $275,000 $4,154 3.14%
CHICO, CA (FHA|USDA|VA) 9 $2,745,000 $305,000 $6,099 3.01%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 4 $1,860,000 $465,000 $7,200 3.06%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 5 $1,485,000 $297,000 $5,334 3.60%
CARSON CITY, NV (FHA|USDA|VA) 5 $1,405,000 $281,000 $3,931 3.02%
STOCKTON, CA (FHA|USDA|VA) 2 $1,020,000 $510,000 $3,763 3.31%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 3 $985,000 $328,333 $4,256 2.92%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $960,000 $480,000 $3,499 3.19%
Gardnerville Ranchos, NV (FHA|USDA|VA) 3 $925,000 $308,333 $4,871 3.42%
NAPA, CA (FHA|USDA|VA) 2 $910,000 $455,000 $3,966 3.56%
Elko, NV (FHA|USDA|VA) 2 $890,000 $445,000 $4,512 3.50%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 3 $835,000 $278,333 $3,157 2.87%
Fernley, NV (FHA|USDA|VA) 3 $815,000 $271,667 $4,896 3.08%
Clearlake, CA (FHA|USDA|VA) 3 $795,000 $265,000 $3,569 3.04%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 2 $610,000 $305,000 $3,756 3.25%
Truckee-Grass Valley, CA (FHA|USDA|VA) 2 $570,000 $285,000 $3,082 2.87%
Outside of Metro Areas 2 $560,000 $280,000 $4,247 3.06%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $490,000 $245,000 $5,114 2.69%
VALLEJO, CA (FHA|USDA|VA) 1 $465,000 $465,000 $3,557 3.38%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $335,000 $335,000 $4,755 3.49%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $315,000 $315,000 $6,016 3.38%
Susanville, CA (FHA|USDA|VA) 1 $285,000 $285,000 $3,501 2.50%
Fallon, NV (FHA|USDA|VA) 1 $285,000 $285,000 $3,187 2.75%
Winnemucca, NV (FHA|USDA|VA) 1 $275,000 $275,000 $4,016 3.25%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $255,000 $255,000 $6,233 3.25%
Granbury, TX (FHA|USDA|VA) 1 $235,000 $235,000 $5,314 2.88%
YUMA, AZ (FHA|USDA|VA) 1 $225,000 $225,000 $3,690 3.63%
Klamath Falls, OR (FHA|USDA|VA) 1 $195,000 $195,000 $4,320 3.00%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $185,000 $185,000 $4,733 3.25%
Ukiah, CA (FHA|USDA|VA) 1 $155,000 $155,000 $6,204 2.88%
Show Low, AZ (FHA|USDA|VA) 1 $145,000 $145,000 $4,504 3.00%
MERCED, CA (FHA|USDA|VA) 1 $135,000 $135,000 $3,304 3.25%
TUCSON, AZ (FHA|USDA|VA) 1 $115,000 $115,000 $3,408 3.25%
Infinity Equity Group's top markets include Redding, Reno, Santa Rosa, Red Bluff, and Phoenix among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 742 $227,760,000 $306,954 $4,644 3.16%
    VA 7 $2,745,000 $392,143 $5,804 2.80%

    For 2021, Infinity Equity Group's most frequently originated type of loan was Conventional, with 742 originations. Their 2nd most popular type was VA, with 7 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 301 $87,735,000 $291,478 $4,442 3.05%
    Home Purchase 229 $75,915,000 $331,507 $5,106 3.26%
    Cash Out Refi 194 $59,480,000 $306,598 $4,435 3.17%
    Home Improvement 25 $7,375,000 $295,000 $4,806 3.23%

    For 2021, Infinity Equity Group's most frequently cited loan purpose was Refi, with 301 originations. The 2nd most popular reason was Home Purchase, with 229 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 684 $214,090,000 $312,997 $4,721 3.21%
    15 Year 49 $12,575,000 $256,633 $4,008 2.52%
    20 Year 11 $2,895,000 $263,182 $4,120 2.94%
    10 Year 4 $710,000 $177,500 $3,168 2.31%
    Other 1 $235,000 $235,000 $3,026 3.25%

    For 2021, Infinity Equity Group's most frequently cited loan duration was 30 Year, with 684 originations. The 2nd most popular length was 15 Year, with 49 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 411 $135,845,000 $330,523
    $2k-3k 194 $49,370,000 $254,485
    $5k+ 63 $22,555,000 $358,016
    $3k-4k 43 $12,215,000 $284,070
    $4k-5k 30 $7,480,000 $249,333
    $<1k 7 $2,795,000 $399,286

    Infinity Equity Group's average total fees were $4,721, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 411 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 427 $130,405,000 $305,398
    2.5-3% 271 $87,085,000 $321,347
    <2.5% 41 $10,725,000 $261,585
    4-5% 9 $2,145,000 $238,333

    During 2021, Infinity Equity Group's average interest rate for loans was 3.21%, while their most frequently originated rate bucket for loans was 3-4%, with 427 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 406 $115,820,000 $285,271 $4,586 3.15%
    $400k-600k 163 $78,725,000 $482,975 $5,128 3.13%
    $100k-200k 155 $24,795,000 $159,968 $4,232 3.17%
    $600k-1MM 13 $9,165,000 $705,000 $6,342 3.13%
    $100,000 or less 11 $985,000 $89,545 $4,004 3.19%
    $1MM+ 1 $1,015,000 $1,015,000 $5,551 3.25%

    2021 saw Infinity Equity Group place emphasis on $200k-400k loans with 406 originations, totaling $115,820,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 197 $68,395,000 $347,183 $4,612 3.10%
    $50k-75k 179 $44,935,000 $251,034 $4,803 3.16%
    $75k-100k 128 $37,830,000 $295,547 $4,630 3.23%
    $150k-250k 111 $42,775,000 $385,360 $4,721 3.13%
    $50k or less 84 $15,270,000 $181,786 $4,308 3.16%
    $250k+ 50 $21,300,000 $426,000 $4,782 3.16%

    Infinity Equity Group lent most frequently to those with incomes in the $100k-150k range, with 197 originations. The second most popular income band? $50k-75k, with 179 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 186 $54,320,000 $292,043 $4,314 3.10%
    30-36% 144 $43,810,000 $304,236 $4,764 3.18%
    <20% 68 $19,210,000 $282,500 $4,351 3.05%
    44% 38 $11,370,000 $299,211 $4,554 3.36%
    43% 34 $11,000,000 $323,529 $4,999 3.23%
    41% 30 $9,680,000 $322,667 $4,737 3.16%
    36% 28 $9,900,000 $353,571 $4,561 3.24%
    39% 25 $7,935,000 $317,400 $4,460 3.24%
    48% 25 $8,735,000 $349,400 $5,058 3.11%
    40% 25 $7,555,000 $302,200 $4,947 3.14%
    45% 24 $7,360,000 $306,667 $5,161 3.26%
    37% 23 $7,695,000 $334,565 $5,290 3.22%
    42% 22 $6,520,000 $296,364 $4,608 3.12%
    46% 21 $7,245,000 $345,000 $4,220 3.11%
    38% 21 $6,625,000 $315,476 $6,090 3.17%
    47% 20 $6,330,000 $316,500 $4,136 3.12%
    49% 11 $3,495,000 $317,727 $5,041 3.11%
    50-60% 3 $1,215,000 $405,000 $6,640 3.21%
    >60% 1 $505,000 $505,000 $5,978 2.25%

    Infinity Equity Group lent most frequently to those with DTI ratios of 20-30%, with 186 originations. The next most common DTI ratio? 30-36%, with 144 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 585 $176,005,000 $300,863 $4,710 3.15%
    Not provided 124 $40,460,000 $326,290 $4,349 3.16%
    Asian 19 $7,155,000 $376,579 $5,150 3.22%
    Not applicable 8 $2,520,000 $315,000 $4,491 3.45%
    Black 6 $2,150,000 $358,333 $4,538 3.10%
    American Indian 4 $970,000 $242,500 $4,323 3.34%
    Other Asian 1 $525,000 $525,000 $4,477 3.13%
    Asian Indian 1 $405,000 $405,000 $5,316 2.99%
    Native Hawaiian or Islander 1 $315,000 $315,000 $2,957 3.25%

    Approval Rates

    Total approvals of all applications
    99.28%

    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 origination
    89.45%

    Infinity Equity Group has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 749 $230,505,000 $307,750

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    749 $230,505,000 $307,750

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 57 $11,735,000 $205,877 $4,176 2.94%
    40-60% 176 $49,110,000 $279,034 $4,287 3.02%
    60-80% 341 $111,165,000 $325,997 $4,650 3.21%
    80-100% 171 $57,275,000 $334,942 $5,165 3.26%
    Over 100% 2 $750,000 $375,000 $8,748 2.88%
    Under 20% 2 $470,000 $235,000 $3,889 3.25%