About Arixa Capital:
Arixa Capital, founded in 2006, is a leading private real estate lender and investment manager focused on senior secured short-term bridge, renovation, and construction loans for professional real estate investors, developers, and builders. The firm strives to deliver reliable financing and a white-glove experience through a vertically integrated platform that is focused on certainty of execution and rapid funding. Arixa has surpassed $6 billion in cumulative loan originations since inception and manages a servicing portfolio of over $2 billion as of September 30, 2025, demonstrating continued growth and disciplined portfolio oversight. To support multi-state expansion and a premium client experience, Arixa brought servicing in-house in 2017 and adopted The Mortgage Office as its loan servicing technology to power construction draws, trust accounting, and reporting across the organization.
The Problem:
As Arixa Capital’s portfolio expanded, its reliance on third-party servicers created operational challenges and service gaps that threatened its premium client experience. Construction and bridge loans, core to Arixa’s business, required frequent draws, complex balance tracking, and rapid turnarounds. Managing these processes with spreadsheets and disconnected tools would be prone to inefficiencies, manual errors, and delays in reporting. Alternatively, relying on a third-party servicer created sub-optimal experiences that Arixa would not accept for its clients.
“We started with a third-party servicer, but the service level did not match the premium experience we aim to deliver. We brought servicing in-house because we needed more control and accuracy to grow the way we wanted to.”
Kristina Sawyer
Vice President of Lending, Arixa Capital
Arixa then considered bringing servicing in-house through a custom technology stack. The team explored building on internal systems to control workflows and data end to end. In practice, the do-it-yourself path proved costly and distracting. Each new lending product or edge case demanded fresh development, from default interest calculations and trust accounting to nuanced construction draw schedules and statement layouts. Ongoing maintenance, security hardening, audit readiness, and feature backlogs created a permanent tax on engineering resources. Integrations with Salesforce and other core systems required continual upkeep, while routine needs like Excel-friendly exports and client-ready reporting consumed cycles that were better spent on real estate lending.
As Sawyer put it:
“We tried to do our own buildout, but it was so complicated, and your work is never done. Unless you have exceptional technology experiences and resources, it is just not worth going that direction.”
The forward-looking view was a widening gap between the level of service Arixa was committed to delivering, and what either an outsourced servicer or bespoke tech stack could reliably support at an enterprise scale.
The Solution:
Seeking a reliable platform to power its servicing and client reporting, Arixa selected The Mortgage Office (TMO) as its central loan servicing technology. The implementation began with loan servicing and trust accounting and gradually expanded to include advanced modules for adjustable-rate loans, construction draw administration, and automated reporting.
“We learned a lot the hard way. If we had started with The Mortgage Office, the path would have been easier,” Sawyer noted.
TMO’s robust construction loan module became a cornerstone of Arixa’s servicing operations, allowing the team to manage complex draw schedules and interest calculations with precision.
“The way the statements lay out the draws and how interest is charged saves us time answering questions — these are the little details that are so informative for the borrower.”
Equally important was TMO’s reporting and integration flexibility. Excel data exports allowed Arixa to perform custom analysis with ease, while a Salesforce integration ensured seamless data flow between origination and servicing. TMO also provided audit-ready reporting and SOC II controls that support DRE and CFL requirements, along with default interest tracking that flows cleanly into client and management reports.
“We built our LOS in Salesforce. The fact that TMO allows us to plug in and communicate directly with that software was a big win.”
Throughout the process, Arixa partnered with TMO’s account and support teams for onboarding, technical expertise, and feature enhancements. This collaboration paved the way for new modules and workflows to be rolled out quickly without slowing day-to-day lending.
“We are not a tech company, we are a real estate lending company, so we appreciate The Mortgage Office handling the tech. TMO’s technicians and account reps actually listen, make changes, and implement what we need. That partnership is invaluable.”
The Results:
With The Mortgage Office in place, Arixa Capital successfully transitioned from outsourced servicing to a fully in-house, enterprise-grade operation capable of handling billions in originations. TMO’s automation and reliability allowed the firm to scale without adding unnecessary administrative overhead.
Arixa’s tech investment and commitment to a distinguished premium service delivered meaningful operational improvements. Faster reporting and increased transparency have helped streamline client communications, while the scalability of TMO’s architecture has supported Arixa’s geographic expansion and the launch of new loan products.
“We went from 25 loans to more than $6 billion originated to date, and our team grew to over 85 employees. The Mortgage Office has been a trusted partner to Arixa along the way.”
– Kristina Sawyer
Arixa’s experience shows how TMO can empower private lenders with an enterprise grade foundation. TMO delivers accuracy and compliance solutions, automation for client communications, and a central platform that integrates with core back-end systems to create seamless workflows. The result is a scalable architecture that supports multi-state growth and transparent reporting that creates strong client trust, a hallmark of Arixa Capital. By bringing servicing in-house with The Mortgage Office, Arixa gained more control and efficiency while avoiding the ongoing resources, time, and cost required to build and maintain a custom system. The implementation enables the Arixa team to focus and invest their energy into relationships, funding projects, and growing the business.