Applications / Mortgage Analytics / Lenders / Texas / Investor Mortgage Finance
Austin, TX · Non-bank or government lender · CFPB · 2,202 loans in 2025
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2,202
loans originated, 2025
4,331
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Investor Mortgage Finance, an Austin non-bank lender that first reported in 2024, mainly refinances conventional loans in Austin and Phoenix, and lends heavily in poorer and majority-minority neighborhoods.
Refinances made up 70.1% of its loans and purchases the rest; none was government-backed. It lends in only five counties, around Austin and Phoenix. Its typical loan, $245,000, was smaller than the $305,000 of similar lenders, non-bank lenders making between half and twice as many loans. Its typical rate, 7.35%, was lower than at about two-thirds of them, whose typical rate was 7.62%.
Some 59.0% of its loans were in low- and moderate-income neighborhoods, against 30.2% for similar lenders, and 69.2% were in majority-minority ones, against 44.2%. Both are higher than at more than nine in ten similar lenders, and both rose sharply from 41.1% and 46.4% in 2024.
It made 2,202 loans, 21% fewer than in 2024, while similar lenders grew 24% and the whole market 10%. Only a few similar lenders grew more slowly. Its share of Austin slipped to 0.0% from 0.1%, which follows from its smaller lending. Two years of figures are too few to call this a trend, and the data do not say whether it chose to lend less or lost business.
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, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Investor Mortgage Finance took 4,331 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 70.1% · Purchase 29.9%
Conventional 100.0% · of 2,202 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 | 22 | 1.0% |
| Arizona | 17 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Austin-Round Rock-San Marcos | 22 |
| Phoenix-Mesa-Chandler | 17 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900GXB4AVD3FPHO33 | 2024–2025 |
Established 16 November 2021. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: Investor Mortgage Finance's data.
Investor Mortgage Finance's data
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Investor Mortgage Finance 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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