Applications / Mortgage Analytics / Lenders / Texas / Aaxy
Austin, TX · Non-bank or government lender · CFPB · 209 loans in 2025
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209
loans originated, 2025
221
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Aaxy, an Austin non-bank that makes only conventional loans, shrank by about a third in 2025 to 209 loans, a steeper fall than at almost any similar lender.
Its loans fell 32% from 307, while similar lenders, meaning non-banks making between half and twice as many loans, grew 7% and the whole market 10%. The fall was steeper than at nearly all of its peers. Its record swings: 1,723 loans in 2020, 150 in 2023, 307 in 2024. Its filings do not show what drove those swings.
Every loan was conventional, 56.0% for purchases and 44.0% refinances. None was higher-priced (a rate well above the average for similar loans), against 1.7% at its peers. Its typical rate, 6.12%, was lower than at more than four in five similar lenders. Its typical loan, $345,000, was a little smaller than its peers' $375,000.
It lends in 3 states and 14 metros, with Texas its main state, and has reported since 2019. Around Austin it ranks 105 of 753, with 0.2% of the market, down from 0.3%; its Houston share fell 0.1 points. Its smaller total may account for that. Of its loans, 40.3% were in majority-minority neighborhoods, more than at about three in five of its peers.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Aaxy took 221 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.0% · Refinance 44.0%
Conventional 100.0% · of 209 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 202 | 96.7% |
| New Mexico | 3 | 1.4% |
| Florida | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Austin-Round Rock-San Marcos | 96 |
| Houston-Pasadena-The Woodlands | 40 |
| Dallas-Plano-Irving | 34 |
| San Antonio-New Braunfels | 16 |
| Fort Worth-Arlington-Grapevine | 4 |
| Killeen-Temple | 4 |
| Beaumont-Port Arthur | 2 |
| Albuquerque | 1 |
| College Station-Bryan | 1 |
| Corpus Christi | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001SBOA8GKVW1N27 | 2019–2025 |
Established 17 September 2003. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: Aaxy's data.
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Aaxy and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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