Axos Bank Mortgage Rates, Fees & Info
San Diego, CALEI: 2549009X2AG1P20YAJ63
Tax ID: 33-0904883
1.4 stars
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Bank Data
Review & Overview
Axos Bank is a small bank specializing in Refi, Cash Out Refi, and Home Purchase loans. Axos Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Los Angeles, San Diego, New York, San Francisco, and San Jose among others. We have data for 311 markets. (Some data included below & more in-depth data is available with an active subscription.)Axos Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Axos Bank is typically a high fee lender. They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender in 2021-- chances are they are still one in 2022.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.28% | 8/6/22 |
| 30 Year Conventional Refi | 5.45% | 8/6/22 |
| 30 Year Cash-out Refi | 5.67% | 8/6/22 |
| 30 Year FHA Purchase | 6.67% | 8/6/22 |
| 30 Year FHA Refi | 6.97% | 8/6/22 |
| 30 Year VA Purchase | 5.43% | 8/6/22 |
| 30 Year VA Refi | 5.71% | 8/6/22 |
| 15 Year Conventional Purchase | 4.36% | 8/6/22 |
| 15 Year Conventional Refi | 4.35% | 8/6/22 |
| 15 Year Cash-out Refi | 4.35% | 8/6/22 |
| 15 Year FHA Purchase | 4.26% | 8/6/22 |
| 15 Year FHA Refi | 4.26% | 8/6/22 |
| 15 Year VA Refi | 4.26% | 8/6/22 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Originations
3,970Origination Dollar Volume (All Markets)
$2,846,230,000Employee count
1,022Awards
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Axos Bank - 2021
Axos Bank is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Axos Bank's average 30 year fixed rate mortgage of loans were
3.41%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of 0.26%.
Relative Fees
Axos Bank's average total fees for a 30 year fixed rate
mortgage are $7,523.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) » | 545 | $1,011,585,000 | $1,856,119 | $14,710 | 3.95% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) » | 361 | $240,285,000 | $665,609 | $5,720 | 2.93% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) » | 163 | $220,415,000 | $1,352,239 | $13,540 | 3.55% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) » | 175 | $187,635,000 | $1,072,200 | $9,864 | 3.57% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) » | 76 | $114,090,000 | $1,501,184 | $12,425 | 3.91% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) » | 201 | $74,935,000 | $372,811 | $2,690 | 2.98% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) » | 132 | $56,660,000 | $429,242 | $4,097 | 3.30% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) » | 65 | $50,525,000 | $777,308 | $14,878 | 3.34% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) » | 91 | $47,225,000 | $518,956 | $4,877 | 3.07% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) » | 113 | $41,955,000 | $371,283 | $2,893 | 2.93% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) » | 57 | $29,715,000 | $521,316 | $6,087 | 2.99% |
| COLUMBUS, OH (FHA|USDA|VA) » | 102 | $28,660,000 | $280,980 | $1,917 | 2.75% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) » | 66 | $27,960,000 | $423,636 | $3,475 | 2.93% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) » | 52 | $25,470,000 | $489,808 | $5,477 | 3.15% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) » | 49 | $24,145,000 | $492,755 | $3,489 | 2.92% |
| RENO, NV (FHA|USDA|VA) » | 30 | $23,230,000 | $774,333 | $3,677 | 3.03% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) » | 83 | $22,755,000 | $274,157 | $2,207 | 3.03% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) » | 51 | $22,655,000 | $444,216 | $2,901 | 2.99% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) » | 16 | $22,350,000 | $1,396,875 | $22,864 | 3.78% |
| Outside of Metro Areas | 54 | $19,460,000 | $360,370 | $4,989 | 2.99% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) » | 44 | $18,850,000 | $428,409 | $4,472 | 3.08% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) » | 14 | $18,680,000 | $1,334,286 | $17,672 | 3.41% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) » | 51 | $17,225,000 | $337,745 | $2,874 | 3.06% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) » | 45 | $17,185,000 | $381,889 | $2,780 | 2.89% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) » | 24 | $16,130,000 | $672,083 | $9,024 | 3.49% |
| Heber, UT (FHA|USDA|VA) » | 8 | $14,190,000 | $1,773,750 | $29,106 | 4.01% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) » | 7 | $13,465,000 | $1,923,571 | $32,423 | 3.79% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) » | 37 | $11,165,000 | $301,757 | $4,159 | 2.88% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) » | 31 | $10,665,000 | $344,032 | $2,431 | 2.98% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) » | 33 | $10,475,000 | $317,424 | $3,586 | 2.92% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) » | 21 | $10,245,000 | $487,857 | $2,991 | 3.03% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) » | 25 | $9,835,000 | $393,400 | $3,506 | 3.34% |
| RALEIGH-CARY, NC (FHA|USDA|VA) » | 30 | $9,650,000 | $321,667 | $2,809 | 2.84% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) » | 8 | $8,970,000 | $1,121,250 | $16,801 | 3.64% |
| SALINAS, CA (FHA|USDA|VA) » | 13 | $8,895,000 | $684,231 | $3,917 | 3.42% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) » | 25 | $8,545,000 | $341,800 | $3,818 | 2.97% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) » | 29 | $8,445,000 | $291,207 | $1,520 | 2.84% |
| SALT LAKE CITY, UT (FHA|USDA|VA) » | 26 | $8,400,000 | $323,077 | $2,116 | 2.98% |
| RICHMOND, VA (FHA|USDA|VA) » | 24 | $8,030,000 | $334,583 | $1,885 | 2.91% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) » | 10 | $6,880,000 | $688,000 | $11,226 | 3.32% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) » | 21 | $6,355,000 | $302,619 | $3,069 | 2.73% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) » | 22 | $6,070,000 | $275,909 | $2,881 | 3.04% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) » | 13 | $5,875,000 | $451,923 | $5,547 | 3.22% |
| Hilo, HI (FHA|USDA|VA) » | 9 | $5,785,000 | $642,778 | $3,550 | 3.00% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) » | 18 | $5,690,000 | $316,111 | $2,625 | 2.96% |
| BOISE CITY, ID (FHA|USDA|VA) » | 15 | $5,555,000 | $370,333 | $2,395 | 2.98% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) » | 16 | $5,300,000 | $331,250 | $2,778 | 3.05% |
| URBAN HONOLULU, HI (FHA|USDA|VA) » | 11 | $5,095,000 | $463,182 | $3,647 | 3.03% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) » | 4 | $4,770,000 | $1,192,500 | $5,955 | 4.06% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) » | 8 | $4,710,000 | $588,750 | $5,115 | 2.98% |
| STOCKTON, CA (FHA|USDA|VA) » | 13 | $4,635,000 | $356,538 | $3,382 | 3.03% |
| PROVO-OREM, UT (FHA|USDA|VA) » | 15 | $4,525,000 | $301,667 | $2,132 | 2.89% |
| FRESNO, CA (FHA|USDA|VA) » | 10 | $4,310,000 | $431,000 | $4,817 | 3.13% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) » | 16 | $4,180,000 | $261,250 | $1,799 | 3.06% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) » | 10 | $3,960,000 | $396,000 | $1,760 | 2.72% |
| Kapaa, HI (FHA|USDA|VA) » | 6 | $3,960,000 | $660,000 | $3,381 | 2.62% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) » | 13 | $3,895,000 | $299,615 | $1,778 | 2.79% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) » | 16 | $3,890,000 | $243,125 | $3,463 | 3.49% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) » | 8 | $3,770,000 | $471,250 | $5,192 | 3.11% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) » | 10 | $3,750,000 | $375,000 | $2,922 | 3.04% |
| ANCHORAGE, AK (FHA|USDA|VA) » | 10 | $3,680,000 | $368,000 | $2,998 | 2.80% |
| VALLEJO, CA (FHA|USDA|VA) » | 9 | $3,545,000 | $393,889 | $2,174 | 3.35% |
| Kalispell, MT (FHA|USDA|VA) » | 4 | $3,490,000 | $872,500 | $11,797 | 3.91% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) » | 11 | $3,485,000 | $316,818 | $1,544 | 2.67% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) » | 13 | $3,395,000 | $261,154 | $2,676 | 3.31% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) » | 10 | $3,350,000 | $335,000 | $2,620 | 2.55% |
| Bozeman, MT (FHA|USDA|VA) » | 4 | $3,130,000 | $782,500 | $14,030 | 2.96% |
| FORT COLLINS, CO (FHA|USDA|VA) » | 8 | $3,120,000 | $390,000 | $2,359 | 3.14% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) » | 11 | $3,115,000 | $283,182 | $2,194 | 2.95% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) » | 9 | $3,115,000 | $346,111 | $2,190 | 3.10% |
| SPRINGFIELD, MA (FHA|USDA|VA) » | 10 | $3,110,000 | $311,000 | $2,667 | 2.81% |
| Breckenridge, CO (FHA|USDA|VA) » | 3 | $3,105,000 | $1,035,000 | $4,158 | 3.25% |
| ALBUQUERQUE, NM (FHA|USDA|VA) » | 10 | $3,090,000 | $309,000 | $2,830 | 2.83% |
| MODESTO, CA (FHA|USDA|VA) » | 7 | $3,005,000 | $429,286 | $3,497 | 3.41% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) » | 17 | $2,945,000 | $173,235 | $2,398 | 3.42% |
| ST. GEORGE, UT (FHA|USDA|VA) » | 8 | $2,910,000 | $363,750 | $1,761 | 2.98% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) » | 7 | $2,895,000 | $413,571 | $5,591 | 3.03% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) » | 9 | $2,835,000 | $315,000 | $1,968 | 2.48% |
| BEND, OR (FHA|USDA|VA) » | 9 | $2,785,000 | $309,444 | $2,774 | 2.75% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) » | 7 | $2,785,000 | $397,857 | $1,618 | 3.10% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) » | 11 | $2,705,000 | $245,909 | $0 | 3.19% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) » | 6 | $2,650,000 | $441,667 | $7,036 | 3.19% |
| SALISBURY, MD-DE (FHA|USDA|VA) » | 7 | $2,565,000 | $366,429 | $2,207 | 2.71% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) » | 6 | $2,520,000 | $420,000 | $1,722 | 2.77% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) » | 4 | $2,330,000 | $582,500 | $7,840 | 2.90% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) » | 6 | $2,320,000 | $386,667 | $2,443 | 3.02% |
| BAKERSFIELD, CA (FHA|USDA|VA) » | 5 | $2,295,000 | $459,000 | $4,434 | 2.92% |
| FLAGSTAFF, AZ (FHA|USDA|VA) » | 7 | $2,265,000 | $323,571 | $1,746 | 3.09% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) » | 7 | $2,155,000 | $307,857 | $2,481 | 2.55% |
| CHICO, CA (FHA|USDA|VA) » | 6 | $2,130,000 | $355,000 | $2,912 | 2.94% |
| Outside of Metro Areas | 6 | $2,060,000 | $343,333 | $3,274 | 3.02% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) » | 9 | $2,055,000 | $228,333 | $2,307 | 3.15% |
| MEDFORD, OR (FHA|USDA|VA) » | 5 | $1,935,000 | $387,000 | $3,175 | 3.00% |
| MERCED, CA (FHA|USDA|VA) » | 7 | $1,915,000 | $273,571 | $2,936 | 3.30% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) » | 6 | $1,890,000 | $315,000 | $3,896 | 3.41% |
| TUCSON, AZ (FHA|USDA|VA) » | 8 | $1,880,000 | $235,000 | $2,179 | 3.58% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) » | 8 | $1,790,000 | $223,750 | $1,961 | 3.47% |
| LOGAN, UT-ID (FHA|USDA|VA) » | 6 | $1,760,000 | $293,333 | $1,410 | 2.77% |
| BOULDER, CO (FHA|USDA|VA) » | 4 | $1,750,000 | $437,500 | $6,686 | 2.78% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) » | 7 | $1,715,000 | $245,000 | $1,685 | 2.82% |
| WILMINGTON, NC (FHA|USDA|VA) » | 2 | $1,700,000 | $850,000 | $9,063 | 3.87% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) » | 9 | $1,695,000 | $188,333 | $2,789 | 3.60% |
| JACKSONVILLE, FL (FHA|USDA|VA) » | 6 | $1,660,000 | $276,667 | $1,942 | 2.71% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) » | 6 | $1,630,000 | $271,667 | $5,813 | 3.02% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) » | 3 | $1,625,000 | $541,667 | $6,309 | 3.00% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) » | 5 | $1,615,000 | $323,000 | $2,357 | 2.90% |
| GAINESVILLE, GA (FHA|USDA|VA) » | 3 | $1,595,000 | $531,667 | $7,653 | 3.12% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) » | 6 | $1,580,000 | $263,333 | $3,055 | 3.29% |
| PANAMA CITY, FL (FHA|USDA|VA) » | 7 | $1,575,000 | $225,000 | $0 | 3.50% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) » | 5 | $1,565,000 | $313,000 | $1,823 | 2.92% |
| MISSOULA, MT (FHA|USDA|VA) » | 6 | $1,550,000 | $258,333 | $1,557 | 2.92% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) » | 5 | $1,535,000 | $307,000 | $3,202 | 2.55% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) » | 4 | $1,520,000 | $380,000 | $2,375 | 2.81% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) » | 6 | $1,510,000 | $251,667 | $2,977 | 3.29% |
| ASHEVILLE, NC (FHA|USDA|VA) » | 4 | $1,510,000 | $377,500 | $1,784 | 2.69% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) » | 5 | $1,505,000 | $301,000 | $2,200 | 3.00% |
| Oak Harbor, WA (FHA|USDA|VA) » | 4 | $1,440,000 | $360,000 | $3,209 | 2.88% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) » | 2 | $1,350,000 | $675,000 | $4,143 | 3.00% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) » | 9 | $1,335,000 | $148,333 | $1,767 | 3.55% |
| OCEAN CITY, NJ (FHA|USDA|VA) » | 3 | $1,325,000 | $441,667 | $4,994 | 2.54% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) » | 5 | $1,275,000 | $255,000 | $3,180 | 3.00% |
| WORCESTER, MA-CT (FHA|USDA|VA) » | 4 | $1,250,000 | $312,500 | $2,783 | 2.78% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) » | 5 | $1,205,000 | $241,000 | $6,303 | 3.09% |
| Helena, MT (FHA|USDA|VA) » | 3 | $1,135,000 | $378,333 | $1,517 | 3.08% |
| SALEM, OR (FHA|USDA|VA) » | 4 | $1,100,000 | $275,000 | $3,065 | 2.88% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) » | 2 | $1,060,000 | $530,000 | $4,841 | 3.75% |
| KNOXVILLE, TN (FHA|USDA|VA) » | 4 | $1,040,000 | $260,000 | $2,914 | 3.09% |
| REDDING, CA (FHA|USDA|VA) » | 3 | $1,035,000 | $345,000 | $1,554 | 2.58% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) » | 3 | $1,035,000 | $345,000 | $2,440 | 2.87% |
| ROANOKE, VA (FHA|USDA|VA) » | 3 | $1,025,000 | $341,667 | $2,575 | 2.71% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) » | 3 | $995,000 | $331,667 | $2,790 | 2.33% |
| LONGVIEW, WA (FHA|USDA|VA) » | 2 | $970,000 | $485,000 | $1,866 | 3.25% |
| JACKSONVILLE, NC (FHA|USDA|VA) » | 2 | $970,000 | $485,000 | $0 | 3.44% |
| PUNTA GORDA, FL (FHA|USDA|VA) » | 3 | $965,000 | $321,667 | $3,021 | 2.99% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) » | 3 | $955,000 | $318,333 | $2,766 | 2.79% |
| PITTSBURGH, PA (FHA|USDA|VA) » | 5 | $955,000 | $191,000 | $3,576 | 3.25% |
| YAKIMA, WA (FHA|USDA|VA) » | 2 | $950,000 | $475,000 | $1,595 | 2.62% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) » | 3 | $935,000 | $311,667 | $2,491 | 3.12% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) » | 3 | $935,000 | $311,667 | $1,256 | 2.75% |
| CHEYENNE, WY (FHA|USDA|VA) » | 2 | $930,000 | $465,000 | $2,158 | 3.12% |
| LYNCHBURG, VA (FHA|USDA|VA) » | 3 | $925,000 | $308,333 | $2,119 | 2.63% |
| Glenwood Springs, CO (FHA|USDA|VA) » | 2 | $910,000 | $455,000 | $3,501 | 2.62% |
| Fernley, NV (FHA|USDA|VA) » | 3 | $895,000 | $298,333 | $4,014 | 3.24% |
| SYRACUSE, NY (FHA|USDA|VA) » | 4 | $880,000 | $220,000 | $6,369 | 3.34% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) » | 4 | $860,000 | $215,000 | $2,399 | 2.69% |
| Ukiah, CA (FHA|USDA|VA) » | 2 | $850,000 | $425,000 | $4,287 | 3.93% |
| SANTA FE, NM (FHA|USDA|VA) » | 3 | $845,000 | $281,667 | $2,443 | 3.00% |
| COLUMBIA, SC (FHA|USDA|VA) » | 5 | $835,000 | $167,000 | $2,014 | 3.44% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) » | 4 | $810,000 | $202,500 | $2,644 | 3.12% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) » | 2 | $790,000 | $395,000 | $1,949 | 3.00% |
| AKRON, OH (FHA|USDA|VA) » | 3 | $765,000 | $255,000 | $1,251 | 2.91% |
| GREELEY, CO (FHA|USDA|VA) » | 2 | $740,000 | $370,000 | $5,058 | 3.00% |
| JOHNSON CITY, TN (FHA|USDA|VA) » | 2 | $740,000 | $370,000 | $1,148 | 2.94% |
| JACKSON, MS (FHA|USDA|VA) » | 4 | $740,000 | $185,000 | $1,954 | 3.71% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) » | 4 | $730,000 | $182,500 | $1,920 | 3.34% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) » | 2 | $720,000 | $360,000 | $1,755 | 2.62% |
| Juneau, AK (FHA|USDA|VA) » | 2 | $720,000 | $360,000 | $5,323 | 2.25% |
| ANN ARBOR, MI (FHA|USDA|VA) » | 3 | $715,000 | $238,333 | $3,766 | 2.83% |
| Easton, MD (FHA|USDA|VA) » | 1 | $715,000 | $715,000 | $15,594 | 2.88% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) » | 2 | $700,000 | $350,000 | $1,348 | 2.81% |
| BILLINGS, MT (FHA|USDA|VA) » | 3 | $695,000 | $231,667 | $2,191 | 2.62% |
| ODESSA, TX (FHA|USDA|VA) » | 2 | $690,000 | $345,000 | $5,157 | 2.87% |
| GREAT FALLS, MT (FHA|USDA|VA) » | 2 | $670,000 | $335,000 | $1,708 | 3.25% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) » | 3 | $645,000 | $215,000 | $1,593 | 2.95% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) » | 4 | $640,000 | $160,000 | $0 | 3.47% |
| ROCHESTER, MN (FHA|USDA|VA) » | 2 | $640,000 | $320,000 | $963 | 2.63% |
| Lebanon, NH-VT (FHA|USDA|VA) » | 2 | $640,000 | $320,000 | $1,076 | 2.94% |
| POCATELLO, ID (FHA|USDA|VA) » | 3 | $635,000 | $211,667 | $2,448 | 2.87% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) » | 3 | $615,000 | $205,000 | $3,751 | 3.21% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) » | 3 | $615,000 | $205,000 | $5,219 | 3.33% |
| COLUMBUS, GA-AL (FHA|USDA|VA) » | 3 | $615,000 | $205,000 | $3,326 | 3.41% |
| BELLINGHAM, WA (FHA|USDA|VA) » | 2 | $600,000 | $300,000 | $1,360 | 2.69% |
| Centralia, WA (FHA|USDA|VA) » | 1 | $595,000 | $595,000 | $0 | 2.13% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) » | 2 | $580,000 | $290,000 | $1,597 | 3.00% |
| Newport, OR (FHA|USDA|VA) » | 2 | $580,000 | $290,000 | $4,479 | 3.06% |
| Astoria, OR (FHA|USDA|VA) » | 1 | $565,000 | $565,000 | $3,984 | 3.00% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) » | 2 | $560,000 | $280,000 | $4,102 | 2.50% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) » | 1 | $545,000 | $545,000 | $4,395 | 2.88% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) » | 1 | $535,000 | $535,000 | $3,158 | 2.88% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) » | 1 | $525,000 | $525,000 | $1,673 | 2.13% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) » | 2 | $520,000 | $260,000 | $1,435 | 2.25% |
| SPRINGFIELD, MO (FHA|USDA|VA) » | 1 | $515,000 | $515,000 | $1,544 | 2.49% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) » | 3 | $515,000 | $171,667 | $4,323 | 2.92% |
| TALLAHASSEE, FL (FHA|USDA|VA) » | 2 | $510,000 | $255,000 | $3,113 | 2.99% |
| TWIN FALLS, ID (FHA|USDA|VA) » | 1 | $505,000 | $505,000 | $12,867 | 2.75% |
| FORT WAYNE, IN (FHA|USDA|VA) » | 3 | $495,000 | $165,000 | $1,718 | 3.12% |
| EL CENTRO, CA (FHA|USDA|VA) » | 2 | $490,000 | $245,000 | $2,396 | 3.49% |
| BLOOMINGTON, IN (FHA|USDA|VA) » | 2 | $480,000 | $240,000 | $0 | 4.00% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) » | 1 | $475,000 | $475,000 | $3,948 | 2.99% |
| RACINE, WI (FHA|USDA|VA) » | 2 | $470,000 | $235,000 | $3,630 | 2.88% |
| Morehead City, NC (FHA|USDA|VA) » | 1 | $455,000 | $455,000 | $2,997 | 2.13% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) » | 1 | $455,000 | $455,000 | $2,403 | 2.75% |
| Sevierville, TN (FHA|USDA|VA) » | 1 | $455,000 | $455,000 | $0 | 2.88% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) » | 2 | $450,000 | $225,000 | $3,582 | 2.99% |
| MADISON, WI (FHA|USDA|VA) » | 2 | $450,000 | $225,000 | $1,813 | 3.13% |
| PITTSFIELD, MA (FHA|USDA|VA) » | 2 | $450,000 | $225,000 | $3,177 | 2.87% |
| HOT SPRINGS, AR (FHA|USDA|VA) » | 2 | $440,000 | $220,000 | $3,193 | 3.06% |
| Augusta-Waterville, ME (FHA|USDA|VA) » | 1 | $435,000 | $435,000 | $963 | 2.75% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) » | 2 | $430,000 | $215,000 | $3,489 | 3.00% |
| MUNCIE, IN (FHA|USDA|VA) » | 2 | $430,000 | $215,000 | $2,847 | 3.12% |
| ROME, GA (FHA|USDA|VA) » | 1 | $425,000 | $425,000 | $2,877 | 2.88% |
| Show Low, AZ (FHA|USDA|VA) » | 2 | $420,000 | $210,000 | $2,539 | 3.12% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) » | 1 | $405,000 | $405,000 | $1,152 | 3.25% |
| VISALIA, CA (FHA|USDA|VA) » | 2 | $400,000 | $200,000 | $3,951 | 3.31% |
| ALBANY, GA (FHA|USDA|VA) » | 1 | $395,000 | $395,000 | $2,724 | 2.88% |
| Torrington, CT (FHA|USDA|VA) » | 1 | $395,000 | $395,000 | $1,342 | 2.38% |
| MIDLAND, TX (FHA|USDA|VA) » | 1 | $395,000 | $395,000 | $4,553 | 2.63% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) » | 1 | $395,000 | $395,000 | $5,167 | 2.88% |
| Eureka-Arcata, CA (FHA|USDA|VA) » | 2 | $380,000 | $190,000 | $2,586 | 3.06% |
| GRAND JUNCTION, CO (FHA|USDA|VA) » | 2 | $380,000 | $190,000 | $2,239 | 3.49% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) » | 2 | $380,000 | $190,000 | $0 | 3.06% |
| WINSTON-SALEM, NC (FHA|USDA|VA) » | 2 | $380,000 | $190,000 | $1,772 | 3.56% |
| LINCOLN, NE (FHA|USDA|VA) » | 2 | $380,000 | $190,000 | $4,823 | 2.50% |
| Hood River, OR (FHA|USDA|VA) » | 1 | $375,000 | $375,000 | $2,128 | 2.88% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) » | 1 | $375,000 | $375,000 | $2,487 | 2.13% |
| FORT SMITH, AR-OK (FHA|USDA|VA) » | 1 | $365,000 | $365,000 | $963 | 2.75% |
| Williston, ND (FHA|USDA|VA) » | 1 | $365,000 | $365,000 | $2,403 | 2.13% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) » | 1 | $365,000 | $365,000 | $4,588 | 2.49% |
| Malone, NY (FHA|USDA|VA) » | 1 | $365,000 | $365,000 | $2,681 | 2.88% |
| Vernal, UT (FHA|USDA|VA) » | 1 | $355,000 | $355,000 | $10,048 | 2.49% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) » | 2 | $350,000 | $175,000 | $3,977 | 3.06% |
| ST. CLOUD, MN (FHA|USDA|VA) » | 1 | $345,000 | $345,000 | $988 | 2.75% |
| WILLIAMSPORT, PA (FHA|USDA|VA) » | 1 | $345,000 | $345,000 | $3,520 | 2.88% |
| WENATCHEE, WA (FHA|USDA|VA) » | 1 | $335,000 | $335,000 | $2,427 | 2.88% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) » | 1 | $335,000 | $335,000 | $3,599 | 2.88% |
| Spencer, IA (FHA|USDA|VA) » | 1 | $335,000 | $335,000 | $5,007 | 1.99% |
| TULSA, OK (FHA|USDA|VA) » | 2 | $330,000 | $165,000 | $4,312 | 3.99% |
| Findlay, OH (FHA|USDA|VA) » | 1 | $325,000 | $325,000 | $978 | 2.75% |
| YORK-HANOVER, PA (FHA|USDA|VA) » | 1 | $325,000 | $325,000 | $1,632 | 2.75% |
| CLEVELAND, TN (FHA|USDA|VA) » | 1 | $315,000 | $315,000 | $2,173 | 2.88% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) » | 1 | $315,000 | $315,000 | $2,139 | 2.49% |
| IDAHO FALLS, ID (FHA|USDA|VA) » | 1 | $315,000 | $315,000 | $1,747 | 2.88% |
| READING, PA (FHA|USDA|VA) » | 2 | $310,000 | $155,000 | $3,164 | 3.19% |
| Gillette, WY (FHA|USDA|VA) » | 1 | $305,000 | $305,000 | $2,678 | 2.49% |
| DULUTH, MN-WI (FHA|USDA|VA) » | 1 | $305,000 | $305,000 | $938 | 2.88% |
| HARRISONBURG, VA (FHA|USDA|VA) » | 1 | $295,000 | $295,000 | $1,163 | 2.88% |
| Shelton, WA (FHA|USDA|VA) » | 1 | $295,000 | $295,000 | $1,010 | 2.25% |
| Brookings, SD (FHA|USDA|VA) » | 1 | $295,000 | $295,000 | $1,498 | 2.75% |
| Warsaw, IN (FHA|USDA|VA) » | 1 | $285,000 | $285,000 | $2,557 | 2.75% |
| Hobbs, NM (FHA|USDA|VA) » | 1 | $285,000 | $285,000 | $2,460 | 3.25% |
| Bonham, TX (FHA|USDA|VA) » | 1 | $285,000 | $285,000 | $3,050 | 3.99% |
| CARSON CITY, NV (FHA|USDA|VA) » | 1 | $285,000 | $285,000 | $1,640 | 2.75% |
| GREEN BAY, WI (FHA|USDA|VA) » | 1 | $285,000 | $285,000 | $1,688 | 2.49% |
| Somerset, PA (FHA|USDA|VA) » | 1 | $275,000 | $275,000 | $4,292 | 2.99% |
| Barre, VT (FHA|USDA|VA) » | 1 | $275,000 | $275,000 | $2,511 | 3.49% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) » | 1 | $275,000 | $275,000 | $1,023 | 3.13% |
| SPRINGFIELD, IL (FHA|USDA|VA) » | 1 | $275,000 | $275,000 | $1,224 | 2.49% |
| LANCASTER, PA (FHA|USDA|VA) » | 2 | $270,000 | $135,000 | $0 | 3.75% |
| Urbana, OH (FHA|USDA|VA) » | 1 | $265,000 | $265,000 | $6,408 | 2.38% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) » | 1 | $265,000 | $265,000 | $1,380 | 2.99% |
| SPARTANBURG, SC (FHA|USDA|VA) » | 1 | $265,000 | $265,000 | $1,851 | 3.25% |
| WICHITA, KS (FHA|USDA|VA) » | 1 | $255,000 | $255,000 | $2,486 | 2.99% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) » | 1 | $255,000 | $255,000 | $1,427 | 2.88% |
| Aberdeen, SD (FHA|USDA|VA) » | 1 | $255,000 | $255,000 | $2,399 | 2.63% |
| JACKSON, TN (FHA|USDA|VA) » | 1 | $255,000 | $255,000 | $988 | 2.25% |
| MANHATTAN, KS (FHA|USDA|VA) » | 1 | $255,000 | $255,000 | $1,014 | 2.88% |
| MONROE, MI (FHA|USDA|VA) » | 1 | $255,000 | $255,000 | $1,826 | 3.49% |
| Grand Rapids, MN (FHA|USDA|VA) » | 1 | $245,000 | $245,000 | $1,633 | 2.38% |
| Concord, NH (FHA|USDA|VA) » | 1 | $245,000 | $245,000 | $1,678 | 2.49% |
| GAINESVILLE, FL (FHA|USDA|VA) » | 1 | $245,000 | $245,000 | $10,857 | 3.00% |
| NILES, MI (FHA|USDA|VA) » | 1 | $245,000 | $245,000 | $1,661 | 3.13% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) » | 1 | $245,000 | $245,000 | $5,271 | 3.25% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) » | 2 | $240,000 | $120,000 | $0 | 3.63% |
| Nogales, AZ (FHA|USDA|VA) » | 1 | $235,000 | $235,000 | $1,678 | 2.99% |
| The Dalles, OR (FHA|USDA|VA) » | 1 | $235,000 | $235,000 | $2,200 | 3.49% |
| TOPEKA, KS (FHA|USDA|VA) » | 1 | $235,000 | $235,000 | $2,124 | 2.88% |
| LaGrange, GA-AL (FHA|USDA|VA) » | 1 | $235,000 | $235,000 | $5,968 | 3.13% |
| Ashtabula, OH (FHA|USDA|VA) » | 1 | $225,000 | $225,000 | $3,931 | 2.99% |
| MONTGOMERY, AL (FHA|USDA|VA) » | 1 | $225,000 | $225,000 | $1,678 | 2.88% |
| Somerset, KY (FHA|USDA|VA) » | 1 | $225,000 | $225,000 | $2,847 | 3.13% |
| LEWISTON, ID-WA (FHA|USDA|VA) » | 1 | $225,000 | $225,000 | $1,421 | 3.25% |
| OCALA, FL (FHA|USDA|VA) » | 1 | $215,000 | $215,000 | $3,410 | 3.49% |
| Rockingham, NC (FHA|USDA|VA) » | 1 | $215,000 | $215,000 | $1,825 | 2.38% |
| Silver City, NM (FHA|USDA|VA) » | 1 | $215,000 | $215,000 | $3,229 | 2.99% |
| FARGO, ND-MN (FHA|USDA|VA) » | 1 | $215,000 | $215,000 | $2,743 | 2.88% |
| Danville, VA (FHA|USDA|VA) » | 1 | $215,000 | $215,000 | $5,567 | 2.63% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) » | 1 | $205,000 | $205,000 | $2,583 | 3.63% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) » | 1 | $205,000 | $205,000 | $2,593 | 2.99% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) » | 1 | $205,000 | $205,000 | $2,173 | 2.75% |
| Yankton, SD (FHA|USDA|VA) » | 1 | $195,000 | $195,000 | $2,158 | 2.99% |
| TYLER, TX (FHA|USDA|VA) » | 1 | $185,000 | $185,000 | $0 | 3.13% |
| GOLDSBORO, NC (FHA|USDA|VA) » | 1 | $185,000 | $185,000 | $2,210 | 2.88% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) » | 1 | $175,000 | $175,000 | $3,658 | 3.13% |
| Boone, NC (FHA|USDA|VA) » | 1 | $175,000 | $175,000 | $2,254 | 2.38% |
| HUNTSVILLE, AL (FHA|USDA|VA) » | 1 | $175,000 | $175,000 | $0 | 3.38% |
| DECATUR, AL (FHA|USDA|VA) » | 1 | $165,000 | $165,000 | $0 | 3.38% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) » | 1 | $165,000 | $165,000 | $1,958 | 2.63% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) » | 1 | $165,000 | $165,000 | $0 | 3.38% |
| WINCHESTER, VA-WV (FHA|USDA|VA) » | 1 | $165,000 | $165,000 | $0 | 3.13% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) » | 1 | $165,000 | $165,000 | $2,140 | 4.63% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) » | 1 | $155,000 | $155,000 | $1,693 | 2.63% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) » | 1 | $155,000 | $155,000 | $2,138 | 2.99% |
| Sonora, CA (FHA|USDA|VA) » | 1 | $155,000 | $155,000 | $2,419 | 3.13% |
| Laconia, NH (FHA|USDA|VA) » | 1 | $155,000 | $155,000 | $1,678 | 3.38% |
| LIMA, OH (FHA|USDA|VA) » | 1 | $145,000 | $145,000 | $1,393 | 2.75% |
| Shelby, NC (FHA|USDA|VA) » | 1 | $145,000 | $145,000 | $1,893 | 3.63% |
| SIOUX FALLS, SD (FHA|USDA|VA) » | 1 | $145,000 | $145,000 | $2,167 | 2.88% |
| SAVANNAH, GA (FHA|USDA|VA) » | 1 | $145,000 | $145,000 | $0 | 3.63% |
| GLENS FALLS, NY (FHA|USDA|VA) » | 1 | $125,000 | $125,000 | $0 | 4.99% |
| Cullowhee, NC (FHA|USDA|VA) » | 1 | $125,000 | $125,000 | $0 | 3.25% |
| Owatonna, MN (FHA|USDA|VA) » | 1 | $115,000 | $115,000 | $2,248 | 3.63% |
| FLINT, MI (FHA|USDA|VA) » | 1 | $115,000 | $115,000 | $3,873 | 2.88% |
| FAYETTEVILLE, NC (FHA|USDA|VA) » | 1 | $115,000 | $115,000 | $0 | 4.49% |
| Port Angeles, WA (FHA|USDA|VA) » | 1 | $105,000 | $105,000 | $5,338 | 3.25% |
| Calhoun, GA (FHA|USDA|VA) » | 1 | $105,000 | $105,000 | $2,313 | 3.38% |
| BATON ROUGE, LA (FHA|USDA|VA) » | 1 | $85,000 | $85,000 | $4,377 | 4.75% |
| YUMA, AZ (FHA|USDA|VA) » | 1 | $75,000 | $75,000 | $0 | 4.49% |
| LONGVIEW, TX (FHA|USDA|VA) » | 1 | $75,000 | $75,000 | $0 | 3.63% |
| Kingsville, TX (FHA|USDA|VA) » | 1 | $65,000 | $65,000 | $0 | 3.49% |
| Orangeburg, SC (FHA|USDA|VA) » | 1 | $55,000 | $55,000 | $0 | 3.63% |
| ROCHESTER, NY (FHA|USDA|VA) » | 1 | $45,000 | $45,000 | $0 | 4.99% |
Axos Bank's top markets include Los Angeles, San Diego, New York, San Francisco, and San Jose among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional » | 3,952 | $2,840,860,000 | $718,841 | $6,212 | 3.22% |
| FHA » | 13 | $3,775,000 | $290,385 | $9,138 | 3.35% |
| VA » | 5 | $1,595,000 | $319,000 | $9,607 | 3.03% |
For the 2021 period, Axos Bank's most frequently originated loan type of loans were Conventional, with 3,952 originations. Their 2nd most popular type is FHA, with 13 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Refi » | 1,621 | $807,455,000 | $498,122 | $3,294 | 2.86% |
| Cash Out Refi » | 1,226 | $802,570,000 | $654,625 | $4,827 | 3.26% |
| Home Purchase » | 1,036 | $1,143,250,000 | $1,103,523 | $12,366 | 3.68% |
| Other » | 50 | $79,860,000 | $1,597,200 | $21,239 | 3.78% |
| Home Improvement » | 37 | $13,095,000 | $353,919 | $5,133 | 3.65% |
For the 2021, Axos Bank's most frequently cited loan purpose of loans were Refi, with 1,621 originations. The 2nd most popular reason of loans were Cash Out Refi, with 1,226 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year » | 3,068 | $2,425,080,000 | $790,443 | $7,523 | 3.41% |
| 15 Year » | 595 | $188,775,000 | $317,269 | $2,331 | 2.46% |
| 20 Year » | 138 | $44,580,000 | $323,043 | $2,060 | 2.77% |
| 10 Year » | 108 | $142,780,000 | $1,322,037 | $2,252 | 3.17% |
| Other » | 61 | $45,015,000 | $737,951 | $3,272 | 1.88% |
For the 2021, Axos Bank's most frequently cited loan length of loans were 30 Year, with 3,068 originations. The 2nd most popular length of loans were 15 Year, with 595 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k » | 1,873 | $753,335,000 | $402,208 |
| $1k-2k » | 496 | $394,020,000 | $794,395 |
| $5k+ » | 395 | $712,675,000 | $1,804,241 |
| $2k-3k » | 154 | $58,380,000 | $379,091 |
| $3k-4k » | 97 | $44,415,000 | $457,887 |
| $4k-5k » | 60 | $32,750,000 | $545,833 |
$7,523 of loans were Axos Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 1,873 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% » | 1,487 | $543,065,000 | $365,208 |
| 3-4% » | 1,165 | $731,275,000 | $627,704 |
| <2.5% » | 653 | $252,265,000 | $386,317 |
| 4-5% » | 623 | $1,265,845,000 | $2,031,854 |
| 5-6% » | 42 | $53,780,000 | $1,280,476 |
During 2021, Axos Bank's average interest rate of loans were 3.41%, while their most frequently originated rate bucket of loans were 2.5-3%, with 1,487 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k » | 1,720 | $509,930,000 | $296,471 | $2,323 | 2.86% |
| $400k-600k » | 899 | $432,955,000 | $481,596 | $3,347 | 3.00% |
| $1MM+ » | 545 | $1,560,415,000 | $2,863,147 | $28,527 | 4.24% |
| $100k-200k » | 403 | $64,385,000 | $159,764 | $2,982 | 3.25% |
| $600k-1MM » | 359 | $275,085,000 | $766,253 | $8,132 | 3.81% |
| $100,000 or less » | 44 | $3,460,000 | $78,636 | $3,062 | 3.85% |
2021 saw Axos Bank place emphasis on $200k-400k loans with 1,720 originations, totaling $509,930,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $150k-250k » | 1,017 | $470,255,000 | $462,394 | $4,033 | 3.09% |
| $100k-150k » | 985 | $352,005,000 | $357,365 | $2,927 | 2.96% |
| $250k+ » | 859 | $1,262,245,000 | $1,469,435 | $17,240 | 3.62% |
| $75k-100k » | 479 | $146,015,000 | $304,833 | $2,646 | 2.97% |
| $50k-75k » | 341 | $89,965,000 | $263,827 | $2,729 | 3.04% |
| $50k or less » | 90 | $19,050,000 | $211,667 | $3,411 | 3.21% |
Axos Bank lent most frequently to those with incomes in the $150k-250k range, with 1,017 originations. The second most popular income band? $100k-150k, with 985 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% » | 888 | $435,780,000 | $490,743 | $4,021 | 2.99% |
| 30-36% » | 700 | $382,310,000 | $546,157 | $6,076 | 3.12% |
| <20% » | 463 | $287,115,000 | $620,119 | $5,512 | 3.12% |
| 37% » | 141 | $92,475,000 | $655,851 | $6,112 | 3.13% |
| 50-60% » | 140 | $237,570,000 | $1,696,929 | $23,203 | 4.05% |
| 41% » | 132 | $65,210,000 | $494,015 | $6,212 | 3.19% |
| 44% » | 122 | $54,550,000 | $447,131 | $4,369 | 3.10% |
| 40% » | 120 | $64,720,000 | $539,333 | $6,344 | 3.12% |
| 38% » | 118 | $70,150,000 | $594,492 | $5,695 | 3.19% |
| 42% » | 112 | $62,710,000 | $559,911 | $5,385 | 3.11% |
| 39% » | 112 | $93,350,000 | $833,482 | $6,215 | 3.23% |
| 43% » | 110 | $57,940,000 | $526,727 | $5,099 | 3.17% |
| 49% » | 109 | $57,865,000 | $530,872 | $5,602 | 3.14% |
| 36% » | 107 | $71,805,000 | $671,075 | $5,286 | 3.07% |
| 48% » | 104 | $72,740,000 | $699,423 | $9,977 | 3.33% |
| 45% » | 96 | $70,810,000 | $737,604 | $5,635 | 3.19% |
| 47% » | 94 | $65,800,000 | $700,000 | $5,585 | 3.30% |
| 46% » | 92 | $50,730,000 | $551,413 | $6,364 | 3.28% |
| >60% » | 19 | $56,685,000 | $2,983,421 | $29,928 | 4.27% |
Axos Bank lent most frequently to those with DTI ratios of 20-30%, with 888 originations. The next most common DTI ratio? 30-36%, with 700 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White » | 2,001 | $1,179,065,000 | $589,238 | $5,715 | 3.11% |
| Not provided » | 1,029 | $675,045,000 | $656,020 | $7,302 | 3.16% |
| Not applicable » | 136 | $433,990,000 | $3,191,103 | $0 | 4.44% |
| Asian » | 406 | $259,280,000 | $638,621 | $7,056 | 3.14% |
| Chinese » | 202 | $205,860,000 | $1,019,109 | $6,464 | 4.04% |
| Black » | 94 | $34,200,000 | $363,830 | $4,366 | 3.23% |
| Asian Indian » | 49 | $19,355,000 | $395,000 | $2,669 | 2.76% |
| Vietnamese » | 5 | $11,835,000 | $2,367,000 | $38,729 | 3.25% |
| Korean » | 8 | $7,510,000 | $938,750 | $6,244 | 3.68% |
| American Indian » | 14 | $5,540,000 | $395,714 | $6,160 | 3.12% |
| Filipino » | 8 | $4,960,000 | $620,000 | $2,042 | 3.33% |
| Other Asian » | 7 | $3,145,000 | $449,286 | $2,067 | 3.27% |
| Japanese » | 3 | $2,415,000 | $805,000 | $3,214 | 4.29% |
| Other Pacific Islander » | 6 | $2,270,000 | $378,333 | $2,207 | 2.77% |
| Native Hawaiian or Islander » | 2 | $1,760,000 | $880,000 | $13,237 | 3.43% |
Approval Rates
Total approvals of all applications88.93%
Axos Bank has an average approval rate.
Pick Rate
Approvals leading to origination62.75%
Axos Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,970 | $2,846,230,000 | $716,935 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| » | 3,970 | $2,846,230,000 | $716,935 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% » | 297 | $131,515,000 | $442,811 | $4,510 | 3.03% |
| 40-60% » | 1,320 | $1,052,270,000 | $797,174 | $6,680 | 3.18% |
| 60-80% » | 1,981 | $1,462,425,000 | $738,226 | $6,477 | 3.31% |
| 80-100% » | 342 | $183,890,000 | $537,690 | $4,840 | 3.04% |
| Over 100% » | 4 | $9,230,000 | $2,307,500 | $25,831 | 4.22% |
| Under 20% » | 26 | $6,900,000 | $265,385 | $4,426 | 3.06% |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| AXOS FINANCIAL, INC. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 4.3% |
| AXOS FINANCIAL, INC. | Conventional home mortgage | Closing on a mortgage | 2 | 4.3% |
| AXOS FINANCIAL, INC. | Conventional home mortgage | Incorrect information on your report | 1 | 2.1% |
| AXOS FINANCIAL, INC. | Conventional home mortgage | Struggling to pay mortgage | 6 | 12.8% |
| AXOS FINANCIAL, INC. | Conventional home mortgage | Trouble during payment process | 24 | 51.1% |
| AXOS FINANCIAL, INC. | FHA mortgage | Struggling to pay mortgage | 1 | 2.1% |
| AXOS FINANCIAL, INC. | FHA mortgage | Trouble during payment process | 1 | 2.1% |
| AXOS FINANCIAL, INC. | Other type of mortgage | Closing on a mortgage | 1 | 2.1% |
| AXOS FINANCIAL, INC. | Other type of mortgage | Struggling to pay mortgage | 2 | 4.3% |
| AXOS FINANCIAL, INC. | Other type of mortgage | Trouble during payment process | 5 | 10.6% |
| AXOS FINANCIAL, INC. | VA mortgage | Trouble during payment process | 2 | 4.3% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Axos Bank | 1000 Yard St Grandview Heights, OH 43212 | Full Service Cyber Office | $122,456 |
| Axos Bank | 4350 La Jolla Village Drive, Suite 140 San Diego, CA 92122 | Full Service Cyber Office | $9,100,817 |
| Axos Bank | 9205 West Russell Rd,suite 400 Las Vegas, NV 89148 | Full Service Cyber Office | $1,740,984 |
For 2021, Axos Bank had 3 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $621,850 |
| Net interest income | $576,994 |
| Total noninterest income | $38,106 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $4,012 |
| Trading account gains and fees | $-5,683 |
| Additional Noninterest Income | $39,777 |
| Pre-tax net operating income | $346,822 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $241,370 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $241,370 |
| Minority interest net income | $0 |
| Net income | $241,370 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $241,370 |
Axos Bank's gross interest income from loans was $621,850,000.
Axos Bank's net interest income from loans was $576,994,000.
Axos Bank's fee based income from loans was $4,012,000.
Axos Bank's net income from loans was $241,370,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $44,856 |
| Provision for credit losses | $11,950 |
| Total noninterest expense | $256,328 |
| Salaries and employee benefits | $118,455 |
| Premises and equipment expense | $25,229 |
| Additional noninterest expense | $112,644 |
| Applicable income taxes | $105,452 |
| Net charge-offs | $7,858 |
| Cash dividends | $50,000 |
Axos Bank's interest expense for loans was $44,856,000.
Axos Bank's payroll and benefits expense were $118,455,000.
Axos Bank's property, plant and equipment expenses $25,229,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 1.0% |
| Real Estate loans | 1.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 2.0% |
| HELOC loans | 0.0% |
| All other family | 2.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $12,367,609 |
| Deposits held in domestic offices | $12,367,609 |
| Deposits by Individuals, partnerships, and corporations | $11,526,851 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $580,159 |
| Deposits by Commercial banks and other depository institutions in U.S. | $260,599 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $3,822,422 |
| Demand deposits | $3,822,417 |
| Nontransaction accounts | $8,545,187 |
| Money market deposit accounts (MMDAs) | $5,893,769 |
| Other savings deposits (excluding MMDAs) | $1,365,003 |
| Total time deposits | $1,286,415 |
| Total time and savings deposits | $8,545,192 |
| Noninterest-bearing deposits | $3,911,319 |
| Interest-bearing deposits | $8,456,290 |
| Retail deposits | $11,543,372 |
| IRAs and Keogh plan accounts | $204,639 |
| Brokered deposits | $415,310 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $14,047,081 |
| Cash & Balances due from depository institutions | $821,648 |
| Interest-bearing balances | $803,084 |
| Total securities | $164,257 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $12,607,135 |
| Loan and leases loss allowance | $140,305 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $20,885 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $78,595 |
| All other assets | $354,561 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $14,047,081 |
| Total Liabilities | $12,651,344 |
| Total deposits | $12,367,609 |
| Interest-bearing deposits | $8,456,290 |
| Deposits held in domestic offices | $12,367,609 |
| % insured (estimated) | $83 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $157,500 |
| Subordinated debt | $0 |
| All other liabilities | $126,235 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $12,607,135 |
| Loan and leases loss allowance | $140,305 |
| Total loans and leases (domestic) | $12,747,440 |
| All real estate loans | $10,023,314 |
| Real estate loans in domestic offices | $10,023,314 |
| Construction and development loans | $2,168,770 |
| Residential 1-4 family construction | $550,171 |
| Other construction, all land development and other land | $1,618,599 |
| Loans secured by nonfarm nonresidential properties | $1,167,118 |
| Nonfarm nonresidential secured by owner-occupied properties | $58,307 |
| Commercial real estate & other non-farm, non-residential | $1,108,811 |
| Multifamily residential real estate | $2,370,015 |
| 1-4 family residential loans | $4,317,411 |
| Farmland loans | $0 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $1,569,277 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $485,081 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $421,521 |
| Other loans to individuals | $63,560 |
| All other loans & leases | $693,077 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $595,613 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $0 |
| Non 1-4 family restructured loans & leases | $0 |
| Total loans and leases (foreign) | $0 |
Axos Bank had $12,607,135,000 of loans outstanding in 2021. $10,023,314,000 of loans were in real estate loans. $2,168,770,000 of loans were in development loans. $2,370,015,000 of loans were in multifamily mortgage loans. $4,317,411,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $421,521,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 40 | $24,907 | $622,675 |
| Nonfarm, nonresidential loans - $100-250k | 2 | $176 | $88,000 |
| Nonfarm, nonresidential loans - $250k-1MM | 38 | $24,731 | $650,816 |
| Commercial & Industrial, US addressed loans - <$1MM | 37 | $1,645 | $44,459 |
| Commercial & Industrial, US addressed loans - <$100k | 21 | $499 | $23,762 |
| Commercial & Industrial, US addressed loans - $100-250k | 12 | $586 | $48,833 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 4 | $560 | $140,000 |
