Infinity Mortgage Holdings Rates, Fees & Info
WILMINGTON, DELEI: 549300M6LHDDWINJTR38
Tax ID: 47-5335121
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Mortgage Data
Review & Overview
Infinity Mortgage Holdings is a smaller mortgage company specializing in Home Purchase and Refi loans. Infinity Mortgage Holdings has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Austin, Dallas, Houston, Colorado Springs, and Lubbock among others. We have data for 38 markets. (Some data included below & more in-depth data is available with an active subscription.)Infinity Mortgage Holdings 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 Mortgage Holdings 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 | 6.80% | 11/17/24 |
| 30 Year Conventional Refi | 6.59% | 11/17/24 |
| 30 Year Cash-out Refi | 6.95% | 11/17/24 |
| 30 Year FHA Purchase | 8.06% | 11/17/24 |
| 30 Year VA Purchase | 5.92% | 11/17/24 |
| 15 Year Conventional Purchase | 6.32% | 11/17/24 |
| 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 Mortgage Holdings Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
959Origination Dollar Volume (All Markets)
$227,485,000Awards
INFINITY MORTGAGE HOLDINGS - 2020
INFINITY MORTGAGE HOLDINGS 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 |
|---|---|---|---|---|---|
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 209 | $57,805,000 | $276,579 | $4,999 | 3.19% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 139 | $39,615,000 | $285,000 | $6,501 | 3.17% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 187 | $35,135,000 | $187,888 | $7,182 | 3.81% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 78 | $23,790,000 | $305,000 | $3,014 | 3.18% |
| LUBBOCK, TX (FHA|USDA|VA) | 100 | $18,900,000 | $189,000 | $5,482 | 3.27% |
| MIDLAND, TX (FHA|USDA|VA) | 72 | $15,760,000 | $218,889 | $6,354 | 3.05% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 22 | $7,960,000 | $361,818 | $3,020 | 3.08% |
| ODESSA, TX (FHA|USDA|VA) | 31 | $6,145,000 | $198,226 | $5,988 | 3.41% |
| Outside of Metro Areas | 28 | $5,260,000 | $187,857 | $5,856 | 3.41% |
| AMARILLO, TX (FHA|USDA|VA) | 15 | $2,755,000 | $183,667 | $5,703 | 3.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 12 | $2,560,000 | $213,333 | $4,776 | 2.97% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 14 | $2,520,000 | $180,000 | $5,565 | 3.29% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $8,340 | 3.44% |
| Gainesville, TX (FHA|USDA|VA) | 5 | $865,000 | $173,000 | $8,533 | 4.03% |
| Levelland, TX (FHA|USDA|VA) | 5 | $695,000 | $139,000 | $5,971 | 4.00% |
| ABILENE, TX (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $4,286 | 2.63% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $5,008 | 3.25% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,833 | 2.63% |
| Granbury, TX (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $5,752 | 2.50% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $8,364 | 3.92% |
| Hereford, TX (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $8,926 | 4.44% |
| TYLER, TX (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $4,937 | 4.19% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $5,435 | 2.88% |
| Lamesa, TX (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $6,968 | 3.08% |
| PUEBLO, CO (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,570 | 2.88% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,817 | 2.75% |
| Plainview, TX (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $5,057 | 4.69% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 3.50% |
| Athens, TX (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,385 | 3.19% |
| WACO, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,020 | 5.25% |
| Bonham, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,385 | 2.25% |
| Pampa, TX (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $4,065 | 2.94% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $10,168 | 3.75% |
| Snyder, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,647 | 4.13% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,555 | 3.50% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,663 | 2.25% |
| Big Spring, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,010 | 3.25% |
| Mount Pleasant, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,506 | 2.50% |
Similar Lenders
We use machine learning to identify the top lenders compared against INFINITY MORTGAGE HOLDINGS 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 | 694 | $174,880,000 | $251,988 | $4,592 | 3.21% |
| FHA | 227 | $43,205,000 | $190,330 | $8,748 | 3.75% |
| VA | 38 | $9,400,000 | $247,368 | $6,601 | 3.04% |
For 2020, Infinity Mortgage Holdings's most frequently originated type of loan was Conventional, with 694 originations. Their 2nd most popular type was FHA, with 227 originations.
Loan Reason
For 2020, Infinity Mortgage Holdings's most frequently cited loan purpose was Home Purchase, with 539 originations. The 2nd most popular reason was Refi, with 294 originations.
Loan Duration/Length
For 2020, Infinity Mortgage Holdings's most frequently cited loan duration was 30 Year, with 824 originations. The 2nd most popular length was 15 Year, with 91 originations.
Origination Fees/Closing Costs
Infinity Mortgage Holdings's average total fees were $6,033, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 500 originations.
Interest Rates
During 2020, Infinity Mortgage Holdings's average interest rate for loans was 3.40%, while their most frequently originated rate bucket for loans was 3-4%, with 458 originations.
Loan Sizing
2020 saw Infinity Mortgage Holdings place emphasis on $200k-400k loans with 426 originations, totaling $113,680,000 in origination value.
Applicant Income
Infinity Mortgage Holdings lent most frequently to those with incomes in the $50k-75k range, with 240 originations. The second most popular income band? $100k-150k, with 211 originations.
Applicant Debt to Income Ratio
Infinity Mortgage Holdings lent most frequently to those with DTI ratios of 20-30%, with 176 originations. The next most common DTI ratio? 30-36%, with 156 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.84%
Infinity Mortgage Holdings has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination62.98%
Infinity Mortgage Holdings has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 959 | $227,485,000 | $237,211 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 8 | $1,150,000 | $143,750 |
| Single Family (1-4 Units):Site-Built | 951 | $226,335,000 | $237,997 |
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% |