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Aaxy

Independent Mortgage Company•Austin, TXHQ•Direct•Reviews near you on Google

Aaxy has 306 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Sound
3/5
Conventional
Place
Strong
4/5
Regional · 4 mkts
Safe Rate Awards
Refinance Champion
Refinance
Champion
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 47.80 basis points below market average
  • Lower than average lender fees
  • Strong pull through performance

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Report Card

Aaxy performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 47.8 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 4 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Strong
Volume304
Mix99.3%
Spread
-0.490%Below
Fees
$560Credit

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Strong
Volume213
Mix69.6%
Spread
-0.516%Below
Fees
$906Fees
Refinance
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Exceptional
Volume93
Mix30.4%
Spread
-0.428%Below
Fees
$2,588Credit

At a Glance

Lender Overview

Lending Activity
Loans Originated
306
Applications
330
Volume
$120 million
Pricing & Closing
Avg Rate Spread
-0.478%
vs. market APOR
Avg Net Fees
$-611
Origination − Credits
Pullthrough Rate
92.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$393,824
Avg Borrower Income
$229,549
Avg Property Value
$559,346

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

3
3 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South2
FLTX
West1
NM

Top Metro Areas by Place Specialization Score

1© Quintin Soloviev · CC BY 4.0
Austin, TXMetro
Volume 139Mix 45.42% of portfolio
79/100
Strong
2© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 67Mix 21.90% of portfolio
64/100
Strong
3© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 54Mix 17.65% of portfolio
60/100
Strong
4© Medialecent · CC BY 4.0
San Antonio, TXMetro
Volume 21Mix 6.86% of portfolio
50/100
Sound

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 300Mix 98.04% of portfolio
74/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.