Efinity Mortgage was built to change the mortgage industry by embracing total transparency in everything we do. That starts with what we charge ourselves before we ever price a loan.
While other lenders quietly widen their margin as volume swings, ours hasn’t moved in years — which is exactly the point.
10 statesCurrently licensed
Since 2017Non-QM underwritten in-house
EMPro™Marketing platform, available only here
Austin, TXCorporate headquarters
People often ask why originators join Efinity Mortgage and don’t leave. It comes down to four things — and we don’t cut corners on any of them.
A family of employees and clients, not a roster of accounts. We help people realize the dream of homeownership while managing their largest asset, responsibly, for the long term.
If a borrower is ready for a home loan, we have the product for them. If they’re not ready yet, we help co-architect the plan that gets them there.
Our 5-Star Home Buying System exists to close on time, communicate the way your clients prefer, and earn that fifth star, every single time.
A great price is a component of great service, not a trade-off against it. A sustainable expense structure and reasonable profit expectations get you both.
“While we are not perfect, our culture embraces continuous learning and growing while we pursue perfection. We never lose sight of what we do — we help families realize the dream of homeownership while responsibly managing their largest debt and asset.”
People often ask Wes why originators join and stay with Efinity. His answer is consistent: the people, the breadth of products, the 5-Star process, and a price built on a sustainable structure rather than a padded one.
Wes A. Hardman
Chief Executive Officer & President, Efinity Mortgage
Behind every success at Efinity Mortgage is a team of leaders dedicated to equipping and enabling our sales teams. From Executive leadership to Operations, Underwriting, and Secondary, each plays a vital role in serving our branches and clients across the nation.
Explore their profiles by scrolling over the icons below.
Explore the story behind Efinity Mortgage — our history, core values, leadership team, and innovative approach to the mortgage industry. Flip through our company profile to see how integrity, collaboration, and passion shape everything we do.
Most mortgage companies hand you basic templates and wish you luck. Efinity built a turnkey marketing and automation platform that works around the clock — generating opportunity, nurturing relationships, and converting leads whether you’re at your desk or not.
Available only at Efinity
EMPro™
Beautiful landing pages and forms built to convert visitors into real leads.
Automated, personal communication that keeps every relationship warm.
Content that keeps you top of mind long before a client is ready to apply.
Track performance and measure results so you know exactly what’s working.
You lead. We’ve got your back. Support built specifically for branch managers scaling a team, not just an individual pipeline.
An open communication channel straight to executive leadership. No bureaucracy in the way.
Structured, personalized support from day one to accelerate your team's ramp-up.
Data-driven frameworks and forecasting tools to plan and scale with confidence.
Ongoing, company-wide learning programs that keep your team sharp and compliant.
Expert support on complex loan scenarios — fast answers when they matter most.
Real estate intelligence: office rank, agent search, and listing tracking in one platform.
Full P&L statements and accounting visibility for hands-on branch financial management.
Live deep dives into guidelines, AUS scenarios, and case studies that keep file quality sharp.
Full health coverage for you and your family.
Included at no cost to you.
Plus a company-wide annual holiday party.
Simple, modern back-office essentials.
$500 off fees plus a 1/8th discount in rate.
A bonus for referring a loan to a licensed LO.
Qualify for an all-inclusive destination trip.
In-house since 2017 — a real speed advantage.
Currently approved
Expanding next
Branch network
| State | Branches |
|---|---|
| Arizona | Glendale, Goodyear, Phoenix, Yuma |
| California | El Centro, Pacific Coast, Inland Empire |
| Texas | Austin, DFW, Houston |
Each year, top producers at Efinity qualify for the annual President’s Club Award — an all-inclusive resort experience for those who put in the work.
New LO of the YearHighest-performing newly licensed LO
Most improved LOHighest year-over-year production growth
Highest volume closer, recognized live on the monthly company update webinar.
Outstanding contributions called out during the monthly company call.
Underwriting highlights, operations wins, market updates, sales strategies, and compliance — every month, company-wide.
We regularly identify impactful causes where our team’s contributions can make a meaningful difference.
Empowering communities through education, housing, and advocacy.
Delivering long-term, life-changing relationships with urban youth.
A child’s friend through and beyond a parent’s cancer.
Honoring those who served with dedicated home financing support.
Tell us where you are today, and a member of our talent acquisition team will reach out to walk through what Efinity looks like for your production, your market, and your team.
Efinity Mortgage
Corporate Offices: 6805 N Capital of Texas Highway, Ste 250, Austin, Texas 78731
888-638-5030 | NMLS #1043983 / #2490142
Efinity Mortgage, NMLS #1043983 / #2490142. Licensed in Arizona, California, Idaho, Colorado, Kansas, New Mexico, Florida, Louisiana, Pennsylvania, Ohio, Arkansas, and Texas. Equal Housing Lender. This is not a commitment to lend. All loans subject to credit approval. Compensation and production figures referenced are illustrative and vary by market, licensing, and individual performance. NMLS Consumer Access: nmlsconsumeraccess.org.
