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 smaller bank specializing in 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, San Francisco, New York, and San Jose among others. We have data for 173 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 relatively high 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.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.40% | 4/5/25 |
| 30 Year Conventional Refi | 7.11% | 4/5/25 |
| 30 Year Cash-out Refi | 7.34% | 4/5/25 |
| 30 Year FHA Purchase | 7.12% | 4/5/25 |
| 30 Year FHA Refi | 6.86% | 4/5/25 |
| 30 Year VA Purchase | 6.50% | 4/5/25 |
| 30 Year VA Refi | 6.72% | 4/5/25 |
| 15 Year Conventional Purchase | 5.76% | 4/5/25 |
| 15 Year Conventional Refi | 6.17% | 4/5/25 |
| 15 Year Cash-out Refi | 6.17% | 4/5/25 |
| 15 Year VA Purchase | 6.00% | 4/5/25 |
| 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
665Origination Dollar Volume (All Markets)
$793,055,000Relative Rate
Axos Bank's average 30 year fixed mortgage rate was
7.38%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.83%.
Relative Fees (Closing Costs)
Axos Bank's average total fees/closing costs for a 30 year fixed rate
mortgage were $18,437.
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 $8,356.
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) | 97 | $276,315,000 | $2,848,608 | $40,174 | 8.04% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 49 | $65,705,000 | $1,340,918 | $18,976 | 7.17% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 35 | $56,575,000 | $1,616,429 | $26,502 | 7.84% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 30 | $51,890,000 | $1,729,667 | $21,806 | 7.27% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 20 | $35,570,000 | $1,778,500 | $21,769 | 7.74% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 21 | $28,445,000 | $1,354,524 | $28,199 | 7.35% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 17 | $28,305,000 | $1,665,000 | $35,448 | 8.13% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 16 | $23,040,000 | $1,440,000 | $21,765 | 7.81% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 6 | $11,730,000 | $1,955,000 | $24,760 | 8.31% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 10 | $9,680,000 | $968,000 | $11,652 | 8.16% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 19 | $9,665,000 | $508,684 | $7,150 | 7.41% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 7 | $9,155,000 | $1,307,857 | $23,467 | 7.91% |
| Outside of Metro Areas | 19 | $9,095,000 | $478,684 | $8,769 | 7.16% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $8,380,000 | $4,190,000 | $53,230 | 7.31% |
| Glenwood Springs, CO (FHA|USDA|VA) | 2 | $8,090,000 | $4,045,000 | $102,283 | 7.56% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 8 | $7,560,000 | $945,000 | $7,350 | 7.77% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 7 | $7,235,000 | $1,033,571 | $19,588 | 7.41% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 9 | $6,395,000 | $710,556 | $20,429 | 7.21% |
| Brevard, NC (FHA|USDA|VA) | 1 | $5,835,000 | $5,835,000 | $17,929 | 8.00% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 15 | $5,375,000 | $358,333 | $3,539 | 7.04% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 4 | $5,270,000 | $1,317,500 | $28,317 | 8.03% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 12 | $5,170,000 | $430,833 | $5,189 | 7.24% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 4 | $5,130,000 | $1,282,500 | $33,500 | 7.50% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $4,955,000 | $4,955,000 | $16,131 | 8.75% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $4,945,000 | $1,648,333 | $31,626 | 8.17% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 3 | $4,645,000 | $1,548,333 | $33,818 | 7.79% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 7 | $2,735,000 | $390,714 | $9,328 | 7.23% |
| Heber, UT (FHA|USDA|VA) | 1 | $2,605,000 | $2,605,000 | $60,727 | 9.75% |
| STOCKTON, CA (FHA|USDA|VA) | 6 | $2,560,000 | $426,667 | $3,317 | 7.13% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 5 | $2,325,000 | $465,000 | $0 | 7.88% |
| NAPA, CA (FHA|USDA|VA) | 1 | $2,155,000 | $2,155,000 | $0 | 7.38% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $1,975,000 | $658,333 | $6,989 | 7.29% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 5 | $1,955,000 | $391,000 | $2,987 | 7.28% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 6 | $1,950,000 | $325,000 | $9,169 | 6.54% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 2 | $1,910,000 | $955,000 | $0 | 7.50% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $1,880,000 | $940,000 | $22,610 | 7.75% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 7 | $1,845,000 | $263,571 | $3,210 | 7.14% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $1,805,000 | $1,805,000 | $59,973 | 9.75% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 3 | $1,795,000 | $598,333 | $15,004 | 8.13% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 3 | $1,755,000 | $585,000 | $20,005 | 9.42% |
| Kapaa, HI (FHA|USDA|VA) | 2 | $1,740,000 | $870,000 | $0 | 7.56% |
| RENO, NV (FHA|USDA|VA) | 3 | $1,645,000 | $548,333 | $9,686 | 7.50% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 6 | $1,500,000 | $250,000 | $15,058 | 7.69% |
| BEND, OR (FHA|USDA|VA) | 2 | $1,480,000 | $740,000 | $19,065 | 7.25% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 4 | $1,470,000 | $367,500 | $8,991 | 6.88% |
| COLUMBUS, OH (FHA|USDA|VA) | 6 | $1,450,000 | $241,667 | $4,809 | 6.98% |
| Hilo, HI (FHA|USDA|VA) | 1 | $1,365,000 | $1,365,000 | $0 | 8.00% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $1,325,000 | $1,325,000 | $18,952 | 6.88% |
| KNOXVILLE, TN (FHA|USDA|VA) | 3 | $1,325,000 | $441,667 | $1,781 | 6.33% |
| TULSA, OK (FHA|USDA|VA) | 1 | $1,285,000 | $1,285,000 | $16,757 | 8.50% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $1,230,000 | $307,500 | $6,569 | 6.44% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 4 | $1,170,000 | $292,500 | $997 | 7.03% |
| RICHMOND, VA (FHA|USDA|VA) | 3 | $1,155,000 | $385,000 | $0 | 7.04% |
| Shelton, WA (FHA|USDA|VA) | 1 | $1,085,000 | $1,085,000 | $32,567 | 9.75% |
| TYLER, TX (FHA|USDA|VA) | 2 | $1,070,000 | $535,000 | $16,877 | 7.06% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $1,693 | 7.04% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $7,044 | 6.75% |
| Outside of Metro Areas | 2 | $1,010,000 | $505,000 | $3,036 | 6.38% |
| Vineyard Haven, MA (FHA|USDA|VA) | 1 | $985,000 | $985,000 | $27,951 | 7.88% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $975,000 | $975,000 | $6,179 | 8.25% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $965,000 | $965,000 | $0 | 7.63% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $0 | 9.06% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $0 | 7.25% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $24,310 | 7.88% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $7,795 | 6.38% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $885,000 | $885,000 | $0 | 7.43% |
| TUCSON, AZ (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $6,564 | 6.13% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $2,263 | 6.38% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $815,000 | $815,000 | $27,654 | 9.75% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $4,770 | 7.31% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $0 | 7.31% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $1,693 | 7.21% |
| McAlester, OK (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $14,190 | 6.38% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $2,731 | 7.13% |
| Hudson, NY (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $8,631 | 7.75% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $2,227 | 5.70% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $1,672 | 7.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $3,951 | 6.75% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $2,382 | 7.31% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $0 | 9.75% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $3,562 | 5.07% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $0 | 7.38% |
| Key West, FL (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $0 | 7.88% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $17,369 | 6.13% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $0 | 7.00% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $0 | 7.63% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $1,946 | 7.25% |
| Boone, NC (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $0 | 6.63% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $2,305 | 6.63% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $2,697 | 6.88% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $0 | 8.63% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $2,207 | 7.63% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $1,160 | 5.63% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $0 | 7.67% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 8.25% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $13,901 | 7.75% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 6.88% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $1,380 | 6.38% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $2,065 | 6.38% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 7.00% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $1,931 | 6.63% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,873 | 6.63% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $1,800 | 6.50% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 7.49% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 7.63% |
| SALEM, OR (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $12,573 | 7.63% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 7.13% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $2,432 | 7.00% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $1,301 | 6.13% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $2,967 | 7.13% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,173 | 10.13% |
| Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $5,074 | 6.88% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $0 | 8.06% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,684 | 6.63% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $1,406 | 6.13% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,638 | 7.00% |
| Brookings, OR (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 7.00% |
| MOBILE, AL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,152 | 6.88% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $7,067 | 7.63% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $7,887 | 6.00% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,382 | 7.13% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 7.63% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,978 | 6.50% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,932 | 7.13% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,181 | 6.63% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $12,150 | 7.63% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,917 | 6.50% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,228 | 6.75% |
| JACKSON, MS (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $3,788 | 9.06% |
| MADISON, WI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 7.13% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $1,575 | 6.88% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,885 | 7.13% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,466 | 6.63% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 7.88% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 6.88% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,458 | 7.00% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,444 | 6.88% |
| Calhoun, GA (FHA|USDA|VA) | 3 | $245,000 | $81,667 | $2,652 | 9.42% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,424 | 6.63% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,813 | 6.88% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,417 | 6.63% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,456 | 7.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 9.25% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,285 | 6.50% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,049 | 8.25% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,868 | 6.63% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $11,473 | 6.63% |
| AKRON, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,283 | 7.00% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,730 | 5.88% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,616 | 6.75% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 7.13% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 8.50% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 7.88% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,312 | 8.00% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 7.38% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 7.50% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,775 | 7.13% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,288 | 6.63% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,327 | 7.88% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 10.38% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 7.50% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 8.13% |
| Bennington, VT (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,733 | 7.50% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 7.38% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 7.88% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.00% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,563 | 6.63% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.50% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.50% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,390 | 6.50% |
| BINGHAMTON, NY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.50% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,155 | 7.50% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.50% |
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We use machine learning to identify the top lenders compared against Axos Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2024, Axos Bank's most frequently originated type of loan was Conventional, with 630 originations. Their 2nd most popular type was HELOC, with 22 originations.
Loan Reason
For 2024, Axos Bank's most frequently cited loan purpose was Home Purchase, with 440 originations. The 2nd most popular reason was Cash Out Refi, with 79 originations.
Loan Duration/Length
For 2024, Axos Bank's most frequently cited loan duration was 30 Year, with 541 originations. The 2nd most popular length was 1 Year, with 48 originations.
Origination Fees/Closing Costs
Axos Bank's average total fees were $18,437, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 166 originations.
Interest Rates
During 2024, Axos Bank's average interest rate for loans was 7.38%, while their most frequently originated rate bucket for loans was 7-8%, with 261 originations.
Loan Sizing
2024 saw Axos Bank place emphasis on $1MM+ loans with 187 originations, totaling $594,205,000 in origination value.
Applicant Income
Axos Bank lent most frequently to those with incomes in the $250k+ range, with 243 originations. The second most popular income band? $150k-250k, with 134 originations.
Applicant Debt to Income Ratio
Axos Bank lent most frequently to those with DTI ratios of 20-30%, with 86 originations. The next most common DTI ratio? 30-36%, with 83 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications80.64%
Axos Bank has a below average approval rate.
Pick Rate
Approvals leading to origination26.62%
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 | 665 | $793,055,000 | $1,192,564 |