Axos Bank Mortgage Rates, Fees & Info

San Diego, CA

LEI: 2549009X2AG1P20YAJ63

Tax ID: 33-0904883

Latest/2022 | 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 Home Purchase, Refi, 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 Francisco, San Diego, and San Jose among others. We have data for 286 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 an average 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.

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
Home Equity Line of Credit (HELOC) 7.82% 3/24/24
30 Year Conventional Purchase 7.05% 3/24/24
30 Year Conventional Refi 6.87% 3/24/24
30 Year Cash-out Refi 6.90% 3/24/24
30 Year FHA Purchase 7.24% 3/24/24
30 Year FHA Refi 6.27% 3/24/24
30 Year VA Purchase 5.76% 3/24/24
30 Year VA Refi 6.27% 3/24/24
15 Year Conventional Purchase 5.87% 3/24/24
15 Year Conventional Refi 5.86% 3/24/24
15 Year Cash-out Refi 5.86% 3/24/24
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

2,692

Origination Dollar Volume (All Markets)

$2,026,410,000

Employee count

1,031 Show all (15) awards

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) 559 $774,335,000 $1,385,215 $12,549 5.12%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 124 $256,270,000 $2,066,694 $19,650 4.93%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 137 $144,525,000 $1,054,927 $10,164 5.06%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 174 $135,480,000 $778,621 $7,248 4.20%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 80 $89,460,000 $1,118,250 $9,896 5.17%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 144 $76,870,000 $533,819 $5,345 4.28%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 51 $53,405,000 $1,047,157 $18,722 4.81%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 109 $34,105,000 $312,890 $4,191 4.07%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 46 $29,410,000 $639,348 $4,038 4.63%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 90 $28,290,000 $314,333 $3,192 4.08%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 40 $19,420,000 $485,500 $4,208 4.38%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 14 $17,740,000 $1,267,143 $13,811 4.97%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 32 $17,120,000 $535,000 $6,872 4.63%
PROVO-OREM, UT (FHA|USDA|VA) 8 $15,370,000 $1,921,250 $5,205 3.87%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 28 $15,160,000 $541,429 $5,592 4.20%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 39 $14,175,000 $363,462 $2,560 3.93%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 24 $13,070,000 $544,583 $8,079 4.06%
COLUMBUS, OH (FHA|USDA|VA) 47 $13,025,000 $277,128 $2,917 3.70%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 23 $12,925,000 $561,957 $6,720 4.33%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 39 $12,365,000 $317,051 $3,051 4.07%
Outside of Metro Areas 47 $9,895,000 $210,532 $4,641 4.64%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 7 $8,555,000 $1,222,143 $15,151 4.57%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 33 $8,475,000 $256,818 $4,640 4.45%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 16 $8,040,000 $502,500 $8,165 4.16%
SALINAS, CA (FHA|USDA|VA) 8 $7,800,000 $975,000 $9,324 4.64%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 20 $7,330,000 $366,500 $5,188 4.13%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 4 $5,130,000 $1,282,500 $26,118 5.59%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 16 $5,000,000 $312,500 $5,011 4.22%
RENO, NV (FHA|USDA|VA) 13 $4,985,000 $383,462 $5,660 4.39%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 8 $4,780,000 $597,500 $2,594 3.90%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 12 $4,580,000 $381,667 $5,772 4.29%
CHICO, CA (FHA|USDA|VA) 2 $4,450,000 $2,225,000 $3,110 4.57%
ST. LOUIS, MO-IL (FHA|USDA|VA) 17 $4,395,000 $258,529 $4,340 4.18%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 11 $4,165,000 $378,636 $11,382 5.02%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 12 $4,130,000 $344,167 $6,211 4.34%
VALLEJO, CA (FHA|USDA|VA) 6 $4,060,000 $676,667 $10,765 4.91%
STOCKTON, CA (FHA|USDA|VA) 9 $4,045,000 $449,444 $3,839 4.39%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 10 $3,810,000 $381,000 $6,418 4.21%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 7 $3,715,000 $530,714 $8,360 4.87%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 10 $3,620,000 $362,000 $2,424 4.17%
BAKERSFIELD, CA (FHA|USDA|VA) 12 $3,590,000 $299,167 $2,831 4.07%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 6 $3,570,000 $595,000 $7,644 4.77%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 4 $3,260,000 $815,000 $11,116 5.41%
RICHMOND, VA (FHA|USDA|VA) 10 $3,090,000 $309,000 $3,593 3.45%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 16 $3,030,000 $189,375 $2,532 4.21%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 4 $3,010,000 $752,500 $14,988 5.06%
Heber, UT (FHA|USDA|VA) 3 $2,975,000 $991,667 $7,884 5.25%
SALT LAKE CITY, UT (FHA|USDA|VA) 9 $2,745,000 $305,000 $3,361 3.96%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 10 $2,550,000 $255,000 $4,199 3.77%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 8 $2,530,000 $316,250 $3,558 4.17%
JACKSONVILLE, FL (FHA|USDA|VA) 8 $2,220,000 $277,500 $4,366 3.81%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 11 $2,185,000 $198,636 $4,197 4.60%
FRESNO, CA (FHA|USDA|VA) 9 $2,165,000 $240,556 $4,087 3.79%
KANSAS CITY, MO-KS (FHA|USDA|VA) 13 $2,145,000 $165,000 $2,123 4.62%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 10 $2,100,000 $210,000 $3,945 4.22%
PORT ST. LUCIE, FL (FHA|USDA|VA) 3 $2,085,000 $695,000 $20,367 4.71%
RALEIGH-CARY, NC (FHA|USDA|VA) 8 $1,990,000 $248,750 $2,198 3.78%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 9 $1,935,000 $215,000 $2,694 4.08%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 10 $1,920,000 $192,000 $4,622 4.31%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 7 $1,915,000 $273,571 $4,698 3.93%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 10 $1,900,000 $190,000 $4,347 4.42%
FLAGSTAFF, AZ (FHA|USDA|VA) 5 $1,855,000 $371,000 $1,851 3.27%
ST. GEORGE, UT (FHA|USDA|VA) 6 $1,740,000 $290,000 $2,116 4.02%
BOISE CITY, ID (FHA|USDA|VA) 7 $1,715,000 $245,000 $3,355 3.86%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 9 $1,685,000 $187,222 $2,461 4.86%
URBAN HONOLULU, HI (FHA|USDA|VA) 3 $1,555,000 $518,333 $4,801 4.12%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 5 $1,535,000 $307,000 $3,588 3.75%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 6 $1,510,000 $251,667 $2,297 3.93%
Truckee-Grass Valley, CA (FHA|USDA|VA) 2 $1,500,000 $750,000 $10,466 5.06%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 2 $1,490,000 $745,000 $12,804 5.19%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 5 $1,385,000 $277,000 $4,900 4.78%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 4 $1,380,000 $345,000 $3,637 4.37%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 5 $1,355,000 $271,000 $2,994 3.97%
MODESTO, CA (FHA|USDA|VA) 6 $1,330,000 $221,667 $3,827 4.12%
PUNTA GORDA, FL (FHA|USDA|VA) 7 $1,285,000 $183,571 $6,202 4.18%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 4 $1,260,000 $315,000 $3,663 3.62%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $1,205,000 $1,205,000 $32,330 5.25%
WILMINGTON, NC (FHA|USDA|VA) 2 $1,160,000 $580,000 $9,054 4.43%
ALBANY-LEBANON, OR (FHA|USDA|VA) 5 $1,155,000 $231,000 $5,819 4.00%
Torrington, CT (FHA|USDA|VA) 1 $1,125,000 $1,125,000 $8,371 5.75%
YUBA CITY, CA (FHA|USDA|VA) 4 $1,080,000 $270,000 $4,679 4.19%
ST. CLOUD, MN (FHA|USDA|VA) 7 $1,065,000 $152,143 $3,482 3.98%
COLORADO SPRINGS, CO (FHA|USDA|VA) 3 $1,055,000 $351,667 $1,991 4.63%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 6 $1,020,000 $170,000 $3,702 4.31%
ANCHORAGE, AK (FHA|USDA|VA) 2 $1,010,000 $505,000 $0 5.87%
MERCED, CA (FHA|USDA|VA) 4 $920,000 $230,000 $6,356 4.00%
Gardnerville Ranchos, NV (FHA|USDA|VA) 3 $895,000 $298,333 $4,013 3.96%
ALBUQUERQUE, NM (FHA|USDA|VA) 3 $865,000 $288,333 $3,882 4.12%
MEDFORD, OR (FHA|USDA|VA) 4 $860,000 $215,000 $2,319 4.28%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 6 $860,000 $143,333 $2,870 4.52%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 4 $850,000 $212,500 $2,194 4.37%
BEND, OR (FHA|USDA|VA) 3 $825,000 $275,000 $2,674 4.21%
TUCSON, AZ (FHA|USDA|VA) 5 $815,000 $163,000 $2,642 4.70%
Vineyard Haven, MA (FHA|USDA|VA) 1 $805,000 $805,000 $15,923 5.38%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 5 $765,000 $153,000 $2,937 4.55%
SALEM, OR (FHA|USDA|VA) 3 $735,000 $245,000 $4,265 3.70%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $730,000 $365,000 $6,453 3.50%
HUNTSVILLE, AL (FHA|USDA|VA) 4 $680,000 $170,000 $3,478 4.03%
OKLAHOMA CITY, OK (FHA|USDA|VA) 6 $670,000 $111,667 $4,326 4.56%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $670,000 $335,000 $1,963 4.81%
Sonora, CA (FHA|USDA|VA) 3 $665,000 $221,667 $4,054 3.92%
Centralia, WA (FHA|USDA|VA) 1 $635,000 $635,000 $0 3.75%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 4 $630,000 $157,500 $4,047 4.84%
Port Angeles, WA (FHA|USDA|VA) 2 $620,000 $310,000 $5,568 5.25%
PITTSBURGH, PA (FHA|USDA|VA) 4 $610,000 $152,500 $3,992 3.87%
EAST STROUDSBURG, PA (FHA|USDA|VA) 5 $605,000 $121,000 $3,317 4.70%
Shelton, WA (FHA|USDA|VA) 2 $600,000 $300,000 $1,854 4.25%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 2 $600,000 $300,000 $2,579 3.56%
DALTON, GA (FHA|USDA|VA) 4 $600,000 $150,000 $0 5.25%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 3 $595,000 $198,333 $5,611 4.12%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $585,000 $195,000 $2,629 5.12%
SAVANNAH, GA (FHA|USDA|VA) 2 $580,000 $290,000 $2,519 4.69%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $575,000 $575,000 $19,491 5.75%
SPRINGFIELD, MO (FHA|USDA|VA) 3 $575,000 $191,667 $2,238 4.96%
CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $550,000 $275,000 $3,625 3.81%
FORT WAYNE, IN (FHA|USDA|VA) 5 $545,000 $109,000 $1,896 5.12%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $540,000 $270,000 $4,814 3.63%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 2 $520,000 $260,000 $2,615 3.63%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $520,000 $260,000 $4,985 3.94%
Kapaa, HI (FHA|USDA|VA) 1 $515,000 $515,000 $4,770 5.25%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $500,000 $250,000 $1,661 4.38%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 2 $480,000 $240,000 $4,353 4.75%
Hilo, HI (FHA|USDA|VA) 1 $475,000 $475,000 $2,684 3.63%
JONESBORO, AR (FHA|USDA|VA) 2 $470,000 $235,000 $2,036 3.62%
REDDING, CA (FHA|USDA|VA) 2 $470,000 $235,000 $7,031 4.63%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $450,000 $225,000 $1,935 4.75%
Ukiah, CA (FHA|USDA|VA) 2 $450,000 $225,000 $6,402 3.94%
TOLEDO, OH (FHA|USDA|VA) 3 $445,000 $148,333 $3,557 4.13%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $435,000 $435,000 $1,498 3.13%
ANN ARBOR, MI (FHA|USDA|VA) 2 $420,000 $210,000 $2,213 3.93%
Chillicothe, OH (FHA|USDA|VA) 2 $420,000 $210,000 $2,703 3.94%
CORVALLIS, OR (FHA|USDA|VA) 2 $420,000 $210,000 $7,546 3.88%
PEORIA, IL (FHA|USDA|VA) 3 $415,000 $138,333 $3,853 4.33%
Oak Harbor, WA (FHA|USDA|VA) 2 $410,000 $205,000 $1,702 3.63%
CHEYENNE, WY (FHA|USDA|VA) 1 $405,000 $405,000 $2,363 2.99%
CARSON CITY, NV (FHA|USDA|VA) 2 $400,000 $200,000 $5,616 4.06%
Outside of Metro Areas 2 $400,000 $200,000 $3,151 3.88%
Fredericksburg, TX (FHA|USDA|VA) 1 $395,000 $395,000 $5,217 4.50%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $390,000 $195,000 $4,548 5.00%
Show Low, AZ (FHA|USDA|VA) 2 $390,000 $195,000 $4,099 3.94%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 2 $380,000 $190,000 $4,599 3.68%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $375,000 $375,000 $2,138 3.99%
Bozeman, MT (FHA|USDA|VA) 1 $365,000 $365,000 $1,096 3.38%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $360,000 $180,000 $3,666 4.63%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $355,000 $355,000 $10,790 5.63%
WICHITA, KS (FHA|USDA|VA) 1 $355,000 $355,000 $4,301 5.25%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 2 $350,000 $175,000 $3,383 4.25%
Pella, IA (FHA|USDA|VA) 2 $350,000 $175,000 $3,956 4.00%
AKRON, OH (FHA|USDA|VA) 2 $340,000 $170,000 $2,879 4.69%
JEFFERSON CITY, MO (FHA|USDA|VA) 2 $340,000 $170,000 $6,276 4.25%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 3 $335,000 $111,667 $0 5.32%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $325,000 $108,333 $4,778 4.66%
Los Alamos, NM (FHA|USDA|VA) 1 $325,000 $325,000 $2,450 3.49%
Urbana, OH (FHA|USDA|VA) 1 $325,000 $325,000 $1,428 3.75%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $315,000 $315,000 $1,791 3.13%
Whitewater, WI (FHA|USDA|VA) 1 $315,000 $315,000 $3,031 3.63%
FORT COLLINS, CO (FHA|USDA|VA) 1 $315,000 $315,000 $2,240 4.38%
LOUISVILLE, KY (FHA|USDA|VA) 2 $310,000 $155,000 $1,479 4.94%
Safford, AZ (FHA|USDA|VA) 1 $305,000 $305,000 $1,823 2.99%
LONGVIEW, WA (FHA|USDA|VA) 1 $305,000 $305,000 $8,479 4.00%
Durango, CO (FHA|USDA|VA) 1 $305,000 $305,000 $1,248 4.13%
DAYTON-KETTERING, OH (FHA|USDA|VA) 4 $300,000 $75,000 $4,122 5.31%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $295,000 $295,000 $1,128 3.38%
YAKIMA, WA (FHA|USDA|VA) 2 $290,000 $145,000 $4,121 4.81%
EL CENTRO, CA (FHA|USDA|VA) 2 $290,000 $145,000 $3,788 5.38%
Fernley, NV (FHA|USDA|VA) 2 $290,000 $145,000 $3,185 4.12%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $285,000 $285,000 $2,061 3.63%
Kalispell, MT (FHA|USDA|VA) 1 $265,000 $265,000 $3,283 4.99%
Grand Rapids, MN (FHA|USDA|VA) 1 $255,000 $255,000 $3,553 3.63%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $255,000 $255,000 $6,587 4.75%
GREELEY, CO (FHA|USDA|VA) 1 $255,000 $255,000 $4,026 3.13%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $250,000 $125,000 $3,742 4.75%
ROCKFORD, IL (FHA|USDA|VA) 2 $250,000 $125,000 $4,028 4.06%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $245,000 $245,000 $3,041 4.88%
LaGrange, GA-AL (FHA|USDA|VA) 1 $235,000 $235,000 $6,244 3.75%
WALLA WALLA, WA (FHA|USDA|VA) 1 $235,000 $235,000 $3,253 4.99%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $235,000 $235,000 $1,669 3.63%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $230,000 $115,000 $0 5.13%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $225,000 $225,000 $1,653 4.63%
KANKAKEE, IL (FHA|USDA|VA) 1 $225,000 $225,000 $3,178 4.63%
MOBILE, AL (FHA|USDA|VA) 3 $225,000 $75,000 $3,712 5.54%
MADISON, WI (FHA|USDA|VA) 1 $225,000 $225,000 $7,246 3.50%
BATTLE CREEK, MI (FHA|USDA|VA) 3 $215,000 $71,667 $3,907 4.91%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $215,000 $215,000 $1,979 3.25%
Newport, OR (FHA|USDA|VA) 1 $215,000 $215,000 $6,682 4.00%
WINSTON-SALEM, NC (FHA|USDA|VA) 2 $210,000 $105,000 $3,909 4.81%
Marion, OH (FHA|USDA|VA) 2 $210,000 $105,000 $4,883 4.56%
GREENVILLE, NC (FHA|USDA|VA) 2 $210,000 $105,000 $3,506 4.68%
Hailey, ID (FHA|USDA|VA) 1 $205,000 $205,000 $3,048 3.63%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 3 $205,000 $68,333 $2,393 5.83%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $205,000 $205,000 $3,253 3.99%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $200,000 $100,000 $5,835 3.88%
POCATELLO, ID (FHA|USDA|VA) 1 $195,000 $195,000 $5,922 4.63%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $195,000 $195,000 $2,787 3.99%
Vermillion, SD (FHA|USDA|VA) 1 $195,000 $195,000 $0 4.49%
TWIN FALLS, ID (FHA|USDA|VA) 1 $195,000 $195,000 $4,172 3.99%
Rochelle, IL (FHA|USDA|VA) 1 $185,000 $185,000 $4,358 4.13%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $185,000 $185,000 $5,745 4.25%
MONROE, MI (FHA|USDA|VA) 1 $175,000 $175,000 $3,073 3.38%
LYNCHBURG, VA (FHA|USDA|VA) 1 $175,000 $175,000 $1,357 4.88%
Payson, AZ (FHA|USDA|VA) 1 $175,000 $175,000 $2,338 3.63%
Salem, OH (FHA|USDA|VA) 2 $170,000 $85,000 $5,666 4.50%
Meadville, PA (FHA|USDA|VA) 2 $170,000 $85,000 $4,040 4.56%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 2 $170,000 $85,000 $2,427 6.00%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $165,000 $165,000 $5,526 4.38%
BAY CITY, MI (FHA|USDA|VA) 1 $165,000 $165,000 $1,861 3.63%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $165,000 $165,000 $3,892 5.99%
Moses Lake, WA (FHA|USDA|VA) 1 $165,000 $165,000 $1,786 3.49%
COLUMBIA, SC (FHA|USDA|VA) 2 $160,000 $80,000 $1,061 5.69%
Adrian, MI (FHA|USDA|VA) 1 $155,000 $155,000 $5,841 4.13%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.49%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $155,000 $155,000 $2,097 4.63%
LINCOLN, NE (FHA|USDA|VA) 1 $155,000 $155,000 $4,938 4.25%
MONTGOMERY, AL (FHA|USDA|VA) 1 $155,000 $155,000 $6,258 4.38%
The Dalles, OR (FHA|USDA|VA) 1 $155,000 $155,000 $7,787 3.50%
Berlin, NH (FHA|USDA|VA) 2 $150,000 $75,000 $4,401 4.75%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $145,000 $145,000 $2,571 3.63%
SPARTANBURG, SC (FHA|USDA|VA) 1 $145,000 $145,000 $3,052 3.88%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $145,000 $145,000 $7,529 3.63%
DULUTH, MN-WI (FHA|USDA|VA) 1 $145,000 $145,000 $3,764 4.50%
Sanford, NC (FHA|USDA|VA) 1 $145,000 $145,000 $6,322 4.13%
LANCASTER, PA (FHA|USDA|VA) 1 $145,000 $145,000 $6,167 3.63%
TALLAHASSEE, FL (FHA|USDA|VA) 2 $140,000 $70,000 $4,706 4.81%
SAGINAW, MI (FHA|USDA|VA) 2 $140,000 $70,000 $5,565 4.50%
FOND DU LAC, WI (FHA|USDA|VA) 1 $135,000 $135,000 $2,133 4.38%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $135,000 $135,000 $4,783 3.75%
BATON ROUGE, LA (FHA|USDA|VA) 1 $135,000 $135,000 $1,853 3.63%
Jacksonville, IL (FHA|USDA|VA) 1 $135,000 $135,000 $2,406 4.25%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $135,000 $135,000 $1,918 3.99%
LAREDO, TX (FHA|USDA|VA) 1 $125,000 $125,000 $3,048 4.49%
Traverse City, MI (FHA|USDA|VA) 1 $125,000 $125,000 $993 4.88%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.63%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $125,000 $125,000 $6,630 3.63%
Bartlesville, OK (FHA|USDA|VA) 1 $125,000 $125,000 $3,240 3.75%
Susanville, CA (FHA|USDA|VA) 1 $115,000 $115,000 $2,333 4.99%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $115,000 $115,000 $6,792 3.38%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $115,000 $115,000 $2,231 5.13%
Silver City, NM (FHA|USDA|VA) 1 $115,000 $115,000 $5,005 4.25%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.25%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $105,000 $105,000 $2,344 5.99%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $105,000 $105,000 $2,563 4.63%
Cullman, AL (FHA|USDA|VA) 1 $105,000 $105,000 $5,722 3.63%
EL PASO, TX (FHA|USDA|VA) 1 $105,000 $105,000 $2,205 4.88%
Enterprise, AL (FHA|USDA|VA) 1 $105,000 $105,000 $5,237 3.63%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.99%
Mount Gay-Shamrock, WV (FHA|USDA|VA) 1 $105,000 $105,000 $4,893 4.13%
Bonham, TX (FHA|USDA|VA) 1 $105,000 $105,000 $3,180 4.13%
OCALA, FL (FHA|USDA|VA) 1 $105,000 $105,000 $2,546 4.63%
GLENS FALLS, NY (FHA|USDA|VA) 1 $95,000 $95,000 $6,203 3.63%
CHARLESTON, WV (FHA|USDA|VA) 1 $95,000 $95,000 $6,642 4.75%
West Plains, MO (FHA|USDA|VA) 1 $95,000 $95,000 $4,421 5.63%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $85,000 $85,000 $2,415 4.99%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $85,000 $85,000 $2,407 4.63%
Tiffin, OH (FHA|USDA|VA) 1 $85,000 $85,000 $3,809 3.75%
SYRACUSE, NY (FHA|USDA|VA) 1 $85,000 $85,000 $3,133 4.38%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $85,000 $85,000 $5,659 4.63%
Gloversville, NY (FHA|USDA|VA) 1 $85,000 $85,000 $6,441 4.75%
Clovis, NM (FHA|USDA|VA) 1 $85,000 $85,000 $2,189 5.38%
Paris, TN (FHA|USDA|VA) 1 $85,000 $85,000 $5,419 5.75%
Oskaloosa, IA (FHA|USDA|VA) 1 $75,000 $75,000 $4,500 5.00%
Scottsboro, AL (FHA|USDA|VA) 1 $75,000 $75,000 $3,160 5.63%
Okeechobee, FL (FHA|USDA|VA) 1 $75,000 $75,000 $5,473 5.00%
Mount Vernon, OH (FHA|USDA|VA) 1 $75,000 $75,000 $3,879 5.00%
HINESVILLE, GA (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.99%
Weatherford, OK (FHA|USDA|VA) 1 $75,000 $75,000 $4,702 4.75%
Pottsville, PA (FHA|USDA|VA) 1 $75,000 $75,000 $5,795 5.00%
Ottawa, IL (FHA|USDA|VA) 1 $75,000 $75,000 $5,842 5.00%
TOPEKA, KS (FHA|USDA|VA) 1 $75,000 $75,000 $4,868 4.75%
Marshalltown, IA (FHA|USDA|VA) 1 $75,000 $75,000 $6,049 4.75%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.99%
Greenville, MS (FHA|USDA|VA) 1 $65,000 $65,000 $4,896 4.13%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.99%
Cullowhee, NC (FHA|USDA|VA) 1 $65,000 $65,000 $4,196 4.13%
Charleston-Mattoon, IL (FHA|USDA|VA) 1 $65,000 $65,000 $5,145 4.75%
Moultrie, GA (FHA|USDA|VA) 1 $65,000 $65,000 $2,782 5.38%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $65,000 $65,000 $2,497 6.75%
Watertown, SD (FHA|USDA|VA) 1 $65,000 $65,000 $3,923 5.75%
Oneonta, NY (FHA|USDA|VA) 1 $65,000 $65,000 $5,575 4.25%
Paducah, KY-IL (FHA|USDA|VA) 1 $65,000 $65,000 $3,541 6.25%
YUMA, AZ (FHA|USDA|VA) 1 $65,000 $65,000 $1,578 5.63%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $55,000 $55,000 $2,958 6.50%
GADSDEN, AL (FHA|USDA|VA) 1 $55,000 $55,000 $4,801 5.75%
BANGOR, ME (FHA|USDA|VA) 1 $55,000 $55,000 $4,800 6.38%
ASHEVILLE, NC (FHA|USDA|VA) 1 $55,000 $55,000 $1,995 5.38%
Galesburg, IL (FHA|USDA|VA) 1 $55,000 $55,000 $5,486 4.75%
VALDOSTA, GA (FHA|USDA|VA) 1 $55,000 $55,000 $1,953 5.49%
Axos Bank's top markets include Los Angeles, New York, San Francisco, San Diego, and San Jose among others.

Their top states include:
  • California (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,304 $1,924,340,000 $835,217 $7,889 4.66%
    FHA 241 $52,935,000 $219,647 $7,069 4.14%
    VA 143 $48,415,000 $338,566 $4,382 3.70%
    HELOC 4 $720,000 $180,000 n/a 6.81%

    For 2019, Axos Bank's most frequently originated type of loan was Conventional, with 2,304 originations. Their 2nd most popular type was FHA, with 241 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,189 $864,825,000 $727,355 $9,158 4.87%
    Refi 836 $499,800,000 $597,847 $4,810 4.00%
    Cash Out Refi 604 $585,950,000 $970,116 $6,910 4.67%
    Other 38 $67,160,000 $1,767,368 $25,233 5.30%
    Home Improvement 25 $8,675,000 $347,000 $6,821 5.34%

    For 2019, Axos Bank's most frequently cited loan purpose was Home Purchase, with 1,189 originations. The 2nd most popular reason was Refi, with 836 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,403 $1,901,285,000 $791,213 $8,075 4.67%
    15 Year 210 $55,610,000 $264,810 $2,667 3.48%
    20 Year 34 $8,390,000 $246,765 $2,871 4.36%
    Other 21 $12,535,000 $596,905 $3,313 2.91%
    1 Year 10 $29,550,000 $2,955,000 $41,054 6.70%
    10 Year 9 $14,995,000 $1,666,111 $3,331 4.19%
    30+ year 5 $4,045,000 $809,000 $9,178 4.58%

    For 2019, Axos Bank's most frequently cited loan duration was 30 Year, with 2,403 originations. The 2nd most popular length was 15 Year, with 210 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,059 $336,755,000 $317,993
    $1k-2k 439 $287,465,000 $654,818
    $5k+ 403 $561,405,000 $1,393,065
    $2k-3k 146 $48,360,000 $331,233
    $3k-4k 70 $31,620,000 $451,714
    $4k-5k 51 $33,725,000 $661,275

    Axos Bank's average total fees were $8,075, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,059 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 921 $296,455,000 $321,884
    4-5% 832 $587,480,000 $706,106
    5-6% 748 $978,310,000 $1,307,901
    6-7% 120 $128,400,000 $1,070,000
    2.5-3% 51 $17,385,000 $340,882
    <2.5% 17 $12,725,000 $748,529
    7-8% 3 $5,655,000 $1,885,000

    During 2019, Axos Bank's average interest rate for loans was 4.67%, while their most frequently originated rate bucket for loans was 3-4%, with 921 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 866 $255,130,000 $294,607 $3,880 4.02%
    $400k-600k 499 $237,045,000 $475,040 $5,552 4.38%
    $1MM+ 474 $1,218,170,000 $2,569,979 $22,998 5.32%
    $100k-200k 381 $58,045,000 $152,349 $3,409 4.32%
    $600k-1MM 317 $246,355,000 $777,145 $10,057 5.21%
    $100,000 or less 155 $11,665,000 $75,258 $4,053 5.22%

    2019 saw Axos Bank place emphasis on $200k-400k loans with 866 originations, totaling $255,130,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 553 $866,335,000 $1,566,609 $17,048 5.12%
    $100k-150k 486 $175,840,000 $361,811 $4,496 4.18%
    $150k-250k 486 $275,910,000 $567,716 $6,990 4.55%
    $50k-75k 314 $70,250,000 $223,726 $3,949 4.37%
    $75k-100k 309 $90,515,000 $292,929 $4,178 4.17%
    $50k or less 203 $47,735,000 $235,148 $5,821 4.74%

    Axos Bank lent most frequently to those with incomes in the $250k+ range, with 553 originations. The second most popular income band? $100k-150k, with 486 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 449 $245,165,000 $546,024 $6,052 4.29%
    30-36% 369 $188,595,000 $511,098 $5,725 4.43%
    50-60% 228 $271,420,000 $1,190,439 $14,183 5.05%
    <20% 176 $122,740,000 $697,386 $8,308 4.51%
    49% 98 $50,510,000 $515,408 $6,154 4.57%
    44% 91 $44,165,000 $485,330 $6,262 4.50%
    43% 88 $58,620,000 $666,136 $8,817 4.61%
    48% 81 $40,365,000 $498,333 $8,389 4.70%
    46% 80 $51,580,000 $644,750 $8,256 4.61%
    42% 79 $49,915,000 $631,835 $6,231 4.66%
    45% 79 $64,415,000 $815,380 $11,254 4.44%
    41% 71 $37,185,000 $523,732 $5,563 4.61%
    38% 69 $29,285,000 $424,420 $5,163 4.62%
    40% 69 $38,715,000 $561,087 $7,378 4.47%
    37% 66 $34,260,000 $519,091 $5,860 4.49%
    36% 66 $23,580,000 $357,273 $3,874 4.24%
    47% 57 $26,595,000 $466,579 $6,292 4.53%
    39% 55 $31,645,000 $575,364 $8,263 4.57%
    >60% 31 $86,345,000 $2,785,323 $23,926 5.60%

    Axos Bank lent most frequently to those with DTI ratios of 20-30%, with 449 originations. The next most common DTI ratio? 30-36%, with 369 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,375 $850,835,000 $618,789 $7,718 4.50%
    Not provided 621 $407,395,000 $656,031 $6,157 4.43%
    Not applicable 98 $340,040,000 $3,469,796 $0 5.26%
    Asian 283 $239,045,000 $844,682 $10,866 4.73%
    Chinese 150 $117,880,000 $785,867 $7,348 5.13%
    Black 120 $51,020,000 $425,167 $6,793 4.48%
    American Indian 12 $4,970,000 $414,167 $5,733 4.49%
    Asian Indian 10 $3,190,000 $319,000 $3,049 3.93%
    Other Asian 6 $3,100,000 $516,667 $1,748 4.01%
    Vietnamese 3 $2,925,000 $975,000 $1,386 4.16%
    Native Hawaiian or Islander 5 $2,385,000 $477,000 $6,652 4.87%
    Filipino 4 $1,600,000 $400,000 $4,586 3.91%
    Korean 1 $1,175,000 $1,175,000 $9,809 4.88%
    Japanese 2 $580,000 $290,000 $4,246 3.88%
    Other Pacific Islander 2 $270,000 $135,000 $1,974 4.88%

    Approval Rates

    Total approvals of all applications
    84.82%

    Axos Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    67.94%

    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 2,692 $2,026,410,000 $752,753

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 4 $7,690,000 $1,922,500
    Multifamily:Site-Built 174 $421,520,000 $2,422,529
    Single Family (1-4 Units):Manufactured 77 $17,045,000 $221,364
    Single Family (1-4 Units):Site-Built 2,437 $1,580,155,000 $648,402

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 156 $104,110,000 $667,372 $7,475 4.70%
    40-60% 594 $725,690,000 $1,221,700 $11,150 4.77%
    60-80% 1,218 $920,250,000 $755,542 $6,943 4.61%
    80-100% 664 $228,150,000 $343,599 $5,818 4.24%
    Over 100% 45 $42,445,000 $943,222 $13,503 4.57%
    Under 20% 14 $4,910,000 $350,714 $6,395 5.53%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Axos Bank 1000 Yard St Grandview Heights, OH 43212 Full Service Cyber Office $132,776
    Axos Bank 4350 La Jolla Village Drive, Suite 140 San Diego, CA 92122 Full Service Cyber Office $7,346,876
    Axos Bank 9205 West Russell Rd,suite 400 Las Vegas, NV 89148 Full Service Cyber Office $1,533,060

    For 2019, Axos Bank had 3 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $594,843
    Net interest income $439,886
    Total noninterest income $57,705
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $3,419
    Trading account gains and fees $-1,290
    Additional Noninterest Income $55,576
    Pre-tax net operating income $264,183
    Securities gains (or losses, -) $21
    Income before extraordinary items $188,720
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $188,720
    Minority interest net income $0
    Net income $188,720
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $188,703

    Axos Bank's gross interest income from loans was $594,843,000.
    Axos Bank's net interest income from loans was $439,886,000.
    Axos Bank's fee based income from loans was $3,419,000.
    Axos Bank's net income from loans was $188,720,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $154,957
    Provision for credit losses $29,000
    Total noninterest expense $204,408
    Salaries and employee benefits $101,815
    Premises and equipment expense $27,894
    Additional noninterest expense $74,699
    Applicable income taxes $75,484
    Net charge-offs $23,389
    Cash dividends $80,000

    Axos Bank's interest expense for loans was $154,957,000.
    Axos Bank's payroll and benefits expense were $101,815,000.
    Axos Bank's property, plant and equipment expenses $27,894,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    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 $10,149,373
    Deposits held in domestic offices $10,149,373
    Deposits by Individuals, partnerships, and corporations $8,861,532
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $1,157,597
    Deposits by Commercial banks and other depository institutions in U.S. $130,244
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $2,742,686
    Demand deposits $2,741,686
    Nontransaction accounts $7,406,687
    Money market deposit accounts (MMDAs) $4,267,567
    Other savings deposits (excluding MMDAs) $656,938
    Total time deposits $2,482,183
    Total time and savings deposits $7,407,687
    Noninterest-bearing deposits $2,620,164
    Interest-bearing deposits $7,529,209
    Retail deposits $8,556,468
    IRAs and Keogh plan accounts $226,092
    Brokered deposits $907,905
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $11,550,782
    Cash & Balances due from depository institutions $895,955
    Interest-bearing balances $863,001
    Total securities $250,251
    Federal funds sold & reverse repurchase $100
    Net loans and leases $10,122,424
    Loan and leases loss allowance $59,317
    Trading account assets $0
    Bank premises and fixed assets $32,756
    Other real estate owned $7,420
    Goodwill and other intangibles $85,157
    All other assets $156,719

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $11,550,782
    Total Liabilities $10,486,531
    Total deposits $10,149,373
    Interest-bearing deposits $7,529,209
    Deposits held in domestic offices $10,149,373
    % insured (estimated) $78
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $257,500
    Subordinated debt $0
    All other liabilities $79,658

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $10,122,424
    Loan and leases loss allowance $59,317
    Total loans and leases (domestic) $10,181,741
    All real estate loans $8,606,154
    Real estate loans in domestic offices $8,606,154
    Construction and development loans $770,567
    Residential 1-4 family construction $328,412
    Other construction, all land development and other land $442,155
    Loans secured by nonfarm nonresidential properties $961,571
    Nonfarm nonresidential secured by owner-occupied properties $42,860
    Commercial real estate & other non-farm, non-residential $918,711
    Multifamily residential real estate $2,138,427
    1-4 family residential loans $4,735,589
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $998,370
    To non-U.S. addressees $0
    Loans to individuals $399,082
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $308,154
    Other loans to individuals $90,928
    All other loans & leases $178,135
    Loans to foreign governments and official institutions $0
    Other loans $0
    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 $10,122,424,000 of loans outstanding in 2019. $8,606,154,000 of loans were in real estate loans. $770,567,000 of loans were in development loans. $2,138,427,000 of loans were in multifamily mortgage loans. $4,735,589,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $308,154,000 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 36 $22,200 $616,667
    Nonfarm, nonresidential loans - $100-250k 2 $220 $110,000
    Nonfarm, nonresidential loans - $250k-1MM 34 $21,980 $646,471
    Commercial & Industrial, US addressed loans - <$1MM 145 $16,003 $110,366
    Commercial & Industrial, US addressed loans - <$100k 57 $2,177 $38,193
    Commercial & Industrial, US addressed loans - $100-250k 61 $6,069 $99,492
    Commercial & Industrial, US addressed loans - $250k-1MM 27 $7,757 $287,296