Aaxy at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
97th0.0% deniedPricingmedian rate spread over APOR, weight 30%
95th-0.37 ptsProcesswithdrawn + incomplete share, weight 15%
77th5.4%Closing coststotal loan costs ÷ loan amount, weight 10%
69th1.43% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 169 | 150 | 0.6% | 0.7% | 6.13% | $57M |
| 2024 | 331 | 307 | 1.5% | 1.6% | 6.38% | $121M |
| 2025 | 221 | 209 | 0.0% | 0.0% | 6.13% | $82M |
What Aaxy lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 1 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 97 investment properties.
Who gets approved at Aaxy
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $100k – $150k | 30 | 29 | 0.0% |
| $150k – $250k | 108 | 102 | 0.0% |
| Over $250k | 72 | 69 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 35 | 32 | 0.0% |
| 35–44 | 114 | 107 | 0.0% |
| 45–54 | 58 | 56 | 0.0% |
Where Aaxy lends
3 states and 29 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 217 | 205 | 0.0% | 6.13% | #402 |
Frequently asked questions
Aaxy denied 0.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 97th percentile of small mortgage lenders.
The median interest rate on loans Aaxy originated in 2025 was 6.13%, and its median rate spread over the average prime offer rate was -0.37 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 56% of its applications were for home purchases, 44% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.