Applications / Mortgage Analytics / Lenders / California / Arixa Enhanced Income Fund
Los Angeles, CA · Non-bank or government lender · CFPB · 150 loans in 2025
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150
loans originated, 2025
166
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Arixa Enhanced Income Fund is a specialist lender whose largest line is home-improvement loans, and it made 27% fewer loans in 2025.
Home improvement made up 42.0% of its loans, ahead of purchases at 37.3% and refinancing at 20.7%. Every loan was conventional, none was for a manufactured home, and there is no reading of its borrowers' incomes. That may point to a lender to property investors and renovators rather than to households, though the data cannot confirm it.
It made 150 loans in 2025, down from 206 in 2024, after 89 in its first reported year, 2023. Similar lenders (lenders of the same type making between half and twice as many loans) held steady, so its fall was steeper than at about nine in ten of them.
Its typical rate was 10.25%, against 6.62% at similar lenders, higher than at more than three in four of them. A book led by home-improvement loans may explain much of the gap. The rate eased from 10.75% in 2024.
Its loan amounts are far larger than those of similar lenders, which may reflect loans on investment property or amounts recorded inconsistently. Its dollar totals, loan sizes and market shares should not be compared with household lenders'. By count, its loans fell near the middle of peers for low- and moderate-income and majority-minority neighborhoods, at 24.5% and 38.7%.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Arixa Enhanced Income Fund took 166 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 42.0% · Purchase 37.3% · Refinance 20.7%
Conventional 100.0% · of 150 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 |
|---|---|---|
| California | 109 | 72.7% |
| Arizona | 8 | 5.3% |
| Colorado | 8 | 5.3% |
| Florida | 8 | 5.3% |
| Texas | 8 | 5.3% |
| North Carolina | 3 | 2.0% |
| Tennessee | 3 | 2.0% |
| Georgia | 1 | 0.7% |
| Indiana | 1 | 0.7% |
| Wyoming | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 79 |
| Denver-Aurora-Centennial | 8 |
| Phoenix-Mesa-Chandler | 8 |
| San Diego-Chula Vista-Carlsbad | 7 |
| San Francisco-San Mateo-Redwood City | 7 |
| Austin-Round Rock-San Marcos | 4 |
| Miami-Miami Beach-Kendall | 4 |
| Charlotte-Concord-Gastonia | 3 |
| Oxnard-Thousand Oaks-Ventura | 3 |
| Santa Maria-Santa Barbara | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900WH43E1KZKSNH40 | 2023–2025 |
Established 13 June 2013. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: Arixa Enhanced Income Fund's data.
Arixa Enhanced Income Fund's data
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Arixa Enhanced Income Fund 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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