# AAXY L.L.C.

> **Canonical URL:** https://saferate.com/lenders/aaxy


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


AAXY L.L.C. is a independent mortgage company, headquartered in AUSTIN, TX, serving borrowers across 3 states, with 306 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 2% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 35% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493001SBOA8GKVW1N27
- **Headquarters:** AUSTIN, TX
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** FL, NM, TX
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.7%
- **Brokered/Wholesale:** 0.3%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 98/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 65/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.478%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-611
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 306
- **Dollar Volume:** $121 million
- **Applications Received:** 330
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $393,824
- **Average Borrower Income:** $229,549
- **Average Property Value:** $559,346

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **Purchase Gold Superstar** (71%)
- ⭐ **Refinance Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 49/100 | 304 | -0.490% | $-560 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 212 loans, Score: 46/100 (Sound)
- Refinance: 92 loans, Score: 59/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 44/100 | 213 | $80M | -0.516% | Sound ☺️ |
| Refinance | 59/100 | 93 | $41M | -0.428% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 300 | 0.09% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Austin | TX | 139 | 79/100 |
| Dallas | TX | 67 | 64/100 |
| Houston | TX | 54 | 60/100 |
| San Antonio | TX | 21 | 50/100 |

## Where This Lender Ranks

AAXY L.L.C. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Austin Mortgage Companies
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/mortgage-companies)
- 🏆 **#5** in Austin
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders)
- 🏆 **#10** in Austin for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#17** in Austin for Conventional Loans
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does AAXY L.L.C. offer?

AAXY L.L.C. offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does AAXY L.L.C. offer mortgages?

AAXY L.L.C. offers mortgages in 3 states: FL, NM, TX.

### How competitive are AAXY L.L.C.'s mortgage rates?

AAXY L.L.C. has a pricing score of 98/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.478% below market average.

### What type of lender is AAXY L.L.C.?

AAXY L.L.C. is a non-depository lender that specializes in mortgage origination, headquartered in AUSTIN, TX.

### What is AAXY L.L.C.'s loan approval success rate?

AAXY L.L.C. has a pull-through score of 65/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/aaxy

### How to Cite

> "AAXY L.L.C. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/aaxy

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**[View Interactive Profile →](https://saferate.com/lenders/aaxy)**