Applications / Mortgage Analytics / Lenders / Texas / Home Financing Unlimited
Austin, TX · Independent non-bank lender · CFPB · 280 loans in 2025
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280
loans originated, 2025
400
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Home Financing Unlimited, an Austin lender reporting since 1991, makes almost nothing but home-purchase loans, and its lending fell by two-fifths in 2025.
Home purchases made up 97.9% of its loans. It made more loans guaranteed by the Department of Veterans Affairs (VA) than similar lenders, meaning independent non-bank lenders making between half and twice as many loans: 8.6% against 4.2%. Its typical loan was $375,000, against $325,000.
Its typical rate was 5.88%, against 6.50% for similar lenders, among the lowest tenth of them. Its share of higher-priced loans (those with a rate well above the average for similar loans) was 1.4%, the same as peers'.
It made 280 loans in 2025, down 40% from 467, while the typical similar lender grew 2% and the market 10%. In 2020 it made 1,090. Its share of the Austin-Round Rock-San Marcos market fell from 0.8% to 0.5%, though it still ranked 48 of 753 lenders in the market it has served since 1991. One possible reason shows in its mix: loans insured by the Federal Housing Administration (FHA) fell from 24.6% of its lending to 14.6%, so fewer FHA loans could account for part of the drop.
Some 61.1% of its loans were in majority-minority neighborhoods, against 22.3% for similar lenders, higher than about four in five of them. All its lending is in Texas, across five metros.
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, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Home Financing Unlimited took 400 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 97.9% · Refinance 2.1%
Conventional 76.4% · FHA 14.6% · VA 8.6% · USDA (RHS or FSA) 0.4% · of 280 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 | 280 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Austin-Round Rock-San Marcos | 235 |
| San Antonio-New Braunfels | 27 |
| Houston-Pasadena-The Woodlands | 11 |
| College Station-Bryan | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DDJB48AVV1SO96 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3844849 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 77166300005 | 1991–2017 |
Established 26 October 1981. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Home Financing Unlimited's data.
Home Financing Unlimited's data
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Home Financing Unlimited 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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