Axos Bank Mortgage Rates, Fees & Info
San Diego, CALEI: 2549009X2AG1P20YAJ63
Tax ID: 33-0904883
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Mortgage Data
Review & Overview
Axos Bank is a small bank specializing in Home Purchase and Cash Out Refi 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, New York, San Diego, San Francisco, and Miami among others. We have data for 213 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. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) 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 the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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 |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 7.82% | 12/10/23 |
| 30 Year Conventional Purchase | 7.05% | 12/10/23 |
| 30 Year Conventional Refi | 6.87% | 12/10/23 |
| 30 Year Cash-out Refi | 6.90% | 12/10/23 |
| 30 Year FHA Purchase | 7.24% | 12/10/23 |
| 30 Year FHA Refi | 6.27% | 12/10/23 |
| 30 Year VA Purchase | 5.76% | 12/10/23 |
| 30 Year VA Refi | 6.27% | 12/10/23 |
| 15 Year Conventional Purchase | 5.87% | 12/10/23 |
| 15 Year Conventional Refi | 5.86% | 12/10/23 |
| 15 Year Cash-out Refi | 5.86% | 12/10/23 |
| 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. | ||
Axos Bank Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Axos Bank. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,673Origination Dollar Volume (All Markets)
$2,185,005,000Awards
Axos Bank - 2022
Axos Bank is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Relative Rate
Axos Bank's average 30 year fixed mortgage rate was
4.85%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 0.09%.
Relative Fees (Closing Costs)
Axos Bank's average total fees/closing costs for a 30 year fixed rate
mortgage were $18,015.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $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) | 386 | $897,870,000 | $2,326,088 | $26,928 | 5.10% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 145 | $251,135,000 | $1,731,966 | $20,842 | 4.99% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 116 | $158,020,000 | $1,362,241 | $17,251 | 4.99% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 81 | $121,635,000 | $1,501,667 | $17,887 | 4.96% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 50 | $90,070,000 | $1,801,400 | $49,903 | 5.04% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 59 | $80,485,000 | $1,364,153 | $14,117 | 4.82% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 63 | $63,865,000 | $1,013,730 | $6,410 | 4.68% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 20 | $51,680,000 | $2,584,000 | $32,228 | 5.47% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 42 | $37,820,000 | $900,476 | $7,236 | 3.93% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 26 | $24,740,000 | $951,538 | $11,901 | 5.19% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 27 | $24,725,000 | $915,741 | $11,543 | 4.31% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 26 | $24,620,000 | $946,923 | $16,027 | 4.91% |
| Outside of Metro Areas | 27 | $23,935,000 | $886,481 | $12,915 | 4.70% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 19 | $19,595,000 | $1,031,316 | $11,454 | 4.33% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 23 | $18,685,000 | $812,391 | $20,442 | 4.32% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 18 | $14,200,000 | $788,889 | $14,211 | 5.08% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 8 | $13,300,000 | $1,662,500 | $67,153 | 5.81% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 27 | $12,695,000 | $470,185 | $9,630 | 4.05% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 11 | $12,515,000 | $1,137,727 | $11,117 | 4.63% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 11 | $11,725,000 | $1,065,909 | $11,089 | 4.98% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 7 | $8,805,000 | $1,257,857 | $9,484 | 4.70% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 11 | $8,195,000 | $745,000 | $8,385 | 5.06% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 4 | $8,130,000 | $2,032,500 | $39,244 | 5.22% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $7,955,000 | $7,955,000 | $83,008 | 6.38% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 15 | $7,625,000 | $508,333 | $5,038 | 3.97% |
| SALINAS, CA (FHA|USDA|VA) | 7 | $6,925,000 | $989,286 | $10,647 | 4.95% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 12 | $6,900,000 | $575,000 | $6,291 | 4.22% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 4 | $6,070,000 | $1,517,500 | $4,222 | 4.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 18 | $5,430,000 | $301,667 | $4,999 | 4.25% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 7 | $5,235,000 | $747,857 | $4,776 | 5.50% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 13 | $4,755,000 | $365,769 | $3,928 | 4.19% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 10 | $4,620,000 | $462,000 | $2,986 | 2.97% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $4,385,000 | $4,385,000 | $118,904 | 4.88% |
| RENO, NV (FHA|USDA|VA) | 5 | $4,335,000 | $867,000 | $6,038 | 4.10% |
| Heber, UT (FHA|USDA|VA) | 4 | $4,170,000 | $1,042,500 | $8,402 | 4.43% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 5 | $4,155,000 | $831,000 | $9,184 | 5.50% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 9 | $3,965,000 | $440,556 | $5,004 | 4.72% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 12 | $3,720,000 | $310,000 | $7,097 | 4.81% |
| NAPA, CA (FHA|USDA|VA) | 2 | $3,310,000 | $1,655,000 | $21,474 | 3.81% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 2 | $3,150,000 | $1,575,000 | $28,268 | 4.93% |
| STOCKTON, CA (FHA|USDA|VA) | 3 | $2,985,000 | $995,000 | $19,566 | 5.16% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 5 | $2,735,000 | $547,000 | $7,592 | 5.28% |
| COLUMBUS, OH (FHA|USDA|VA) | 10 | $2,620,000 | $262,000 | $4,126 | 4.40% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 3 | $2,615,000 | $871,667 | $6,884 | 6.04% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 9 | $2,585,000 | $287,222 | $6,603 | 3.91% |
| BOISE CITY, ID (FHA|USDA|VA) | 6 | $2,550,000 | $425,000 | $9,189 | 3.96% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $2,460,000 | $1,230,000 | $25,605 | 6.44% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 7 | $2,355,000 | $336,429 | $4,403 | 3.78% |
| BEND, OR (FHA|USDA|VA) | 3 | $2,265,000 | $755,000 | $23,428 | 5.38% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $2,245,000 | $748,333 | $3,724 | 4.94% |
| FRESNO, CA (FHA|USDA|VA) | 5 | $2,225,000 | $445,000 | $5,627 | 4.61% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 4 | $2,220,000 | $555,000 | $12,788 | 5.84% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $2,020,000 | $1,010,000 | $16,022 | 5.88% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $1,930,000 | $965,000 | $1,583 | 4.81% |
| Bozeman, MT (FHA|USDA|VA) | 2 | $1,850,000 | $925,000 | $33,620 | 4.37% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $1,845,000 | $615,000 | $12,488 | 3.79% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 4 | $1,840,000 | $460,000 | $5,454 | 4.25% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 3 | $1,775,000 | $591,667 | $8,522 | 4.21% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 6 | $1,760,000 | $293,333 | $6,032 | 4.79% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 5 | $1,685,000 | $337,000 | $8,248 | 3.85% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 5 | $1,615,000 | $323,000 | $9,432 | 3.55% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 4 | $1,590,000 | $397,500 | $4,570 | 3.90% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $1,555,000 | $518,333 | $10,513 | 4.12% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $1,540,000 | $770,000 | $3,414 | 4.06% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $1,425,000 | $475,000 | $3,791 | 3.21% |
| Hilo, HI (FHA|USDA|VA) | 3 | $1,325,000 | $441,667 | $20,907 | 3.58% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $1,270,000 | $635,000 | $13,674 | 5.06% |
| TUCSON, AZ (FHA|USDA|VA) | 5 | $1,245,000 | $249,000 | $6,062 | 3.70% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 4 | $1,230,000 | $307,500 | $3,343 | 4.16% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 6 | $1,210,000 | $201,667 | $7,293 | 5.31% |
| Show Low, AZ (FHA|USDA|VA) | 2 | $1,180,000 | $590,000 | $5,194 | 4.18% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $1,165,000 | $388,333 | $3,828 | 3.63% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 2 | $1,060,000 | $530,000 | $2,756 | 5.06% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $1,035,000 | $1,035,000 | $0 | 6.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $10,730 | 4.29% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $2,911 | 4.21% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $1,025,000 | $1,025,000 | $6,572 | 3.25% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $5,393 | 4.38% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $6,330 | 4.25% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $995,000 | $995,000 | $4,534 | 7.38% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $955,000 | $955,000 | $6,084 | 3.63% |
| SALEM, OR (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $0 | 3.31% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $1,048 | 3.59% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $3,216 | 4.81% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $5,543 | 3.91% |
| MERCED, CA (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $16,702 | 5.31% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $19,016 | 5.13% |
| MADERA, CA (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $4,122 | 5.19% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $2,088 | 4.54% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $11,122 | 5.12% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $5,598 | 4.47% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $4,124 | 4.38% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 5 | $735,000 | $147,000 | $6,060 | 5.13% |
| PUEBLO, CO (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $3,486 | 4.94% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $2,335 | 3.81% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $0 | 4.50% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $6,278 | 5.13% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $10,411 | 3.50% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $4,934 | 5.69% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $2,310 | 4.00% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $1,540 | 3.33% |
| Ellensburg, WA (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $0 | 3.49% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $0 | 6.63% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $4,349 | 5.13% |
| ST. GEORGE, UT (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $883 | 3.74% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $2,748 | 2.99% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $0 | 4.50% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $3,833 | 5.25% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $3,663 | 4.88% |
| OCALA, FL (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $4,214 | 4.75% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $0 | 7.25% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $1,614 | 4.13% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $943 | 3.93% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $4,092 | 4.54% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $2,737 | 3.56% |
| KINGSTON, NY (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $2,910 | 3.75% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,395 | 5.25% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $0 | 4.63% |
| Stillwater, OK (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $0 | 4.49% |
| READING, PA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,494 | 2.99% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $7,563 | 4.50% |
| Aberdeen, WA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $6,764 | 3.12% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,118 | 5.38% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,409 | 3.38% |
| Cedar City, UT (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,573 | 5.00% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $963 | 3.38% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,695 | 3.94% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $9,198 | 2.88% |
| MADISON, WI (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,473 | 4.88% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 4.13% |
| Hood River, OR (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,993 | 2.75% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $1,918 | 3.63% |
| NEW BERN, NC (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $2,628 | 4.63% |
| CASPER, WY (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $16,830 | 4.50% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,847 | 5.56% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,396 | 2.99% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $0 | 4.46% |
| ROCHESTER, NY (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $0 | 5.12% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $5,829 | 3.93% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 2.99% |
| Union City, TN (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $7,061 | 3.63% |
| Shelby, NC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,594 | 4.99% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $6,890 | 5.00% |
| JACKSON, MS (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $0 | 4.62% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 4.75% |
| DOVER, DE (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,626 | 5.50% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 3.88% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,048 | 7.13% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 4.38% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 4.38% |
| CHICO, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 4.49% |
| Chillicothe, OH (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $11,478 | 3.25% |
| Vineyard Haven, MA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,465 | 2.99% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 6.38% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,180 | 5.63% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $1,115 | 2.49% |
| AKRON, OH (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $0 | 4.06% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,358 | 2.65% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,359 | 5.00% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,423 | 3.99% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,630 | 2.99% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 3.49% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,390 | 3.25% |
| Mount Vernon, OH (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,348 | 5.75% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,766 | 5.25% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,511 | 5.88% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,578 | 4.13% |
| Astoria, OR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 3.63% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,611 | 3.63% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,013 | 3.88% |
| Roswell, NM (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 5.38% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,369 | 4.99% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 4.75% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,373 | 3.88% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,301 | 3.13% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,848 | 3.13% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,912 | 2.38% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,384 | 3.99% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,886 | 3.49% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,160 | 4.38% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,571 | 2.88% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,491 | 2.49% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $4,166 | 5.56% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,203 | 3.49% |
| New Castle, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,368 | 3.88% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 3.99% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,878 | 7.13% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,221 | 3.49% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,978 | 3.63% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,234 | 5.75% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 8.50% |
| Clovis, NM (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 2.49% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 6.13% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,693 | 7.25% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,363 | 3.38% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,470 | 6.63% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,499 | 5.99% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,738 | 5.88% |
| Farmington, MO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,079 | 3.25% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,485 | 6.38% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,697 | 3.63% |
| Hobbs, NM (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 6.50% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,686 | 5.25% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 5.13% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 6.38% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,231 | 4.50% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,795 | 3.38% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.99% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 7.13% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 4.88% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 6.00% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.00% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.99% |
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Product Mix
For 2022, Axos Bank's most frequently originated type of loan was Conventional, with 1,647 originations. Their 2nd most popular type was FHA, with 13 originations.
Loan Reason
For 2022, Axos Bank's most frequently cited loan purpose was Home Purchase, with 790 originations. The 2nd most popular reason was Cash Out Refi, with 433 originations.
Loan Duration/Length
For 2022, Axos Bank's most frequently cited loan duration was 30 Year, with 1,346 originations. The 2nd most popular length was 10 Year, with 168 originations.
Origination Fees/Closing Costs
Axos Bank's average total fees were $18,015, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 386 originations.
Interest Rates
During 2022, Axos Bank's average interest rate for loans was 4.85%, while their most frequently originated rate bucket for loans was 4-5%, with 464 originations.
Loan Sizing
2022 saw Axos Bank place emphasis on $1MM+ loans with 575 originations, totaling $1,676,175,000 in origination value.
Applicant Income
Axos Bank lent most frequently to those with incomes in the $250k+ range, with 580 originations. The second most popular income band? $150k-250k, with 316 originations.
Applicant Debt to Income Ratio
Axos Bank lent most frequently to those with DTI ratios of 20-30%, with 225 originations. The next most common DTI ratio? 30-36%, with 184 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications81.39%
Axos Bank has a below average approval rate.
Pick Rate
Approvals leading to origination50.75%
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 | 1,673 | $2,185,005,000 | $1,306,040 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 1,673 | $2,185,005,000 | $1,306,040 |