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, 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.89% | 11/23/24 |
| 30 Year Conventional Refi | 6.54% | 11/23/24 |
| 30 Year Cash-out Refi | 6.93% | 11/23/24 |
| 30 Year FHA Purchase | 6.27% | 11/23/24 |
| 30 Year VA Purchase | 6.56% | 11/23/24 |
| 15 Year Conventional Purchase | 6.32% | 11/23/24 |
| 15 Year Conventional Refi | 5.94% | 11/23/24 |
| 15 Year Cash-out Refi | 5.94% | 11/23/24 |
| 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
749Origination Dollar Volume (All Markets)
$230,505,000Awards
INFINITY EQUITY GROUP - 2021
INFINITY EQUITY GROUP is a 2021 , due to their low .
For 2021, 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) | 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% |
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 | 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
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
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
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
2021 saw Infinity Equity Group place emphasis on $200k-400k loans with 406 originations, totaling $115,820,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications99.28%
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 origination89.45%
Infinity Equity Group has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 749 | $230,505,000 | $307,750 |