Applications / Mortgage Analytics / Lenders / Texas / Easy Street Capital
Austin, TX · Non-bank lender · CFPB · 2,409 loans in 2025
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2,409
loans originated, 2025
2,409
applications, 2025
45
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Easy Street Capital is a national specialist outside ordinary home lending: every one of its 2,409 loans in 2025 was for a purpose other than buying, refinancing or improving a home.
All of its loans fell in the other-purpose category and all were conventional, with no government backing. Similar lenders, here non-banks making between half and twice as many loans, put 21.8% of their loans into FHA programs, insured by the Federal Housing Administration. It lends in 45 states and 185 metros, and Florida is its main state.
Its loans rose 24%, from 1,937 to 2,409, against 10% growth at similar lenders and in the whole market. It first reported in 2023, with 2,071 loans. Its largest gain in share came in Santa Maria-Santa Barbara, where it rose to 1.2% from 0.9% and ranks 21 of 339 lenders.
More than a third of its loans, 38.5%, went to low- and moderate-income (LMI) neighborhoods, against 19.0% at similar lenders, the highest share among them. Over half, 53.3%, went to majority-minority neighborhoods, against 28.0%. Its typical loan, $245,000, was smaller than at nearly nine in ten of its peers.
Its typical rate was 9.90%, against 6.56% at similar lenders, though down from 10.90% a year earlier. Its purpose mix is a plausible reason. Loans for other purposes are often priced differently from ordinary purchase and refinance mortgages, and it makes none of those.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Easy Street Capital took 2,409 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 100.0%
Conventional 100.0% · of 2,409 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 |
|---|---|---|
| Florida | 590 | 24.5% |
| California | 463 | 19.2% |
| Texas | 382 | 15.9% |
| Georgia | 205 | 8.5% |
| North Carolina | 175 | 7.3% |
| Tennessee | 85 | 3.5% |
| Pennsylvania | 70 | 2.9% |
| Virginia | 61 | 2.5% |
| Ohio | 53 | 2.2% |
| Maryland | 28 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tampa | 185 |
| Los Angeles-Long Beach-Glendale | 154 |
| Atlanta-Sandy Springs-Roswell | 142 |
| Charlotte-Concord-Gastonia | 120 |
| Dallas-Plano-Irving | 115 |
| Riverside-San Bernardino-Ontario | 88 |
| St. Petersburg-Clearwater-Largo | 87 |
| Anaheim-Santa Ana-Irvine | 80 |
| Houston-Pasadena-The Woodlands | 66 |
| Austin-Round Rock-San Marcos | 60 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900DRSIZBQXDCJ875 | 2023–2025 |
Established 6 March 2025. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: Easy Street Capital's data.
Easy Street Capital's data
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Easy Street Capital 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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