Axos Bank Mortgage Rates, Fees & Info
San Diego, CALEI: 2549009X2AG1P20YAJ63
Tax ID: 33-0904883
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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, New York, San Diego, San Francisco, and San Jose among others. We have data for 318 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 7.82% | 4/21/24 |
| 30 Year Conventional Purchase | 7.05% | 4/21/24 |
| 30 Year Conventional Refi | 6.87% | 4/21/24 |
| 30 Year Cash-out Refi | 6.90% | 4/21/24 |
| 30 Year FHA Purchase | 7.24% | 4/21/24 |
| 30 Year FHA Refi | 6.27% | 4/21/24 |
| 30 Year VA Purchase | 5.76% | 4/21/24 |
| 30 Year VA Refi | 6.27% | 4/21/24 |
| 15 Year Conventional Purchase | 5.87% | 4/21/24 |
| 15 Year Conventional Refi | 5.86% | 4/21/24 |
| 15 Year Cash-out Refi | 5.86% | 4/21/24 |
| 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
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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
4,656Origination Dollar Volume (All Markets)
$2,936,420,000Employee count
1,004Awards
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Axos Bank - 2020
Axos Bank is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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) | 724 | $921,580,000 | $1,272,901 | $12,259 | 4.18% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 235 | $299,375,000 | $1,273,936 | $13,763 | 4.01% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 477 | $267,305,000 | $560,388 | $3,616 | 2.97% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 187 | $199,585,000 | $1,067,299 | $8,470 | 3.97% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 95 | $94,155,000 | $991,105 | $8,033 | 3.94% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 180 | $72,920,000 | $405,111 | $4,035 | 3.49% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 61 | $67,945,000 | $1,113,852 | $18,768 | 3.94% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 138 | $61,410,000 | $445,000 | $3,294 | 3.18% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 158 | $57,740,000 | $365,443 | $2,583 | 3.24% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 155 | $54,835,000 | $353,774 | $3,227 | 3.20% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 121 | $52,785,000 | $436,240 | $2,317 | 3.09% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 86 | $43,200,000 | $502,326 | $3,788 | 3.29% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 98 | $39,330,000 | $401,327 | $2,131 | 3.10% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 105 | $35,945,000 | $342,333 | $2,942 | 3.22% |
| COLUMBUS, OH (FHA|USDA|VA) | 119 | $34,095,000 | $286,513 | $1,704 | 2.91% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 49 | $25,815,000 | $526,837 | $3,569 | 3.25% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 50 | $21,820,000 | $436,400 | $2,221 | 3.28% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 62 | $20,870,000 | $336,613 | $3,862 | 2.94% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 66 | $20,470,000 | $310,152 | $2,425 | 3.15% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 53 | $17,935,000 | $338,396 | $4,437 | 3.21% |
| RENO, NV (FHA|USDA|VA) | 24 | $16,590,000 | $691,250 | $3,729 | 2.80% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 26 | $15,850,000 | $609,615 | $8,231 | 3.63% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 10 | $15,630,000 | $1,563,000 | $11,390 | 3.94% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 46 | $15,300,000 | $332,609 | $3,216 | 3.08% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 16 | $14,870,000 | $929,375 | $15,956 | 4.47% |
| Outside of Metro Areas | 45 | $13,225,000 | $293,889 | $2,962 | 3.27% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 37 | $11,405,000 | $308,243 | $2,061 | 2.95% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 37 | $11,175,000 | $302,027 | $3,450 | 3.21% |
| NAPA, CA (FHA|USDA|VA) | 8 | $10,700,000 | $1,337,500 | $6,291 | 4.00% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 16 | $10,200,000 | $637,500 | $3,350 | 3.49% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 30 | $9,010,000 | $300,333 | $2,207 | 2.98% |
| STOCKTON, CA (FHA|USDA|VA) | 22 | $8,000,000 | $363,636 | $3,125 | 3.39% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 24 | $7,960,000 | $331,667 | $2,232 | 3.13% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 28 | $7,930,000 | $283,214 | $2,051 | 3.36% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 25 | $7,745,000 | $309,800 | $2,676 | 3.05% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 25 | $7,545,000 | $301,800 | $5,892 | 3.43% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 13 | $7,515,000 | $578,077 | $4,477 | 3.06% |
| SALINAS, CA (FHA|USDA|VA) | 10 | $7,430,000 | $743,000 | $7,859 | 4.31% |
| FRESNO, CA (FHA|USDA|VA) | 12 | $7,150,000 | $595,833 | $2,423 | 3.48% |
| RICHMOND, VA (FHA|USDA|VA) | 22 | $7,140,000 | $324,545 | $1,768 | 3.15% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 11 | $6,935,000 | $630,455 | $4,283 | 3.43% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 8 | $6,840,000 | $855,000 | $13,702 | 4.21% |
| BOISE CITY, ID (FHA|USDA|VA) | 21 | $6,555,000 | $312,143 | $3,253 | 3.08% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 21 | $6,385,000 | $304,048 | $1,523 | 2.95% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 21 | $6,235,000 | $296,905 | $1,843 | 3.10% |
| Hilo, HI (FHA|USDA|VA) | 7 | $6,085,000 | $869,286 | $7,195 | 3.29% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 12 | $5,910,000 | $492,500 | $7,495 | 3.25% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 19 | $5,905,000 | $310,789 | $2,648 | 3.06% |
| VALLEJO, CA (FHA|USDA|VA) | 14 | $5,760,000 | $411,429 | $3,629 | 3.56% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 17 | $5,415,000 | $318,529 | $3,597 | 3.64% |
| PROVO-OREM, UT (FHA|USDA|VA) | 15 | $5,035,000 | $335,667 | $2,653 | 3.01% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 13 | $4,935,000 | $379,615 | $1,277 | 3.60% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 13 | $4,855,000 | $373,462 | $2,721 | 3.37% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 14 | $4,810,000 | $343,571 | $2,079 | 3.18% |
| CORVALLIS, OR (FHA|USDA|VA) | 5 | $4,805,000 | $961,000 | $2,976 | 3.75% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 19 | $4,655,000 | $245,000 | $3,663 | 3.43% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 15 | $4,565,000 | $304,333 | $2,546 | 2.95% |
| Heber, UT (FHA|USDA|VA) | 6 | $4,420,000 | $736,667 | $7,936 | 4.06% |
| ST. GEORGE, UT (FHA|USDA|VA) | 13 | $4,405,000 | $338,846 | $1,961 | 3.48% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 7 | $3,875,000 | $553,571 | $4,998 | 3.74% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 11 | $3,795,000 | $345,000 | $2,195 | 2.99% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 10 | $3,260,000 | $326,000 | $3,006 | 3.15% |
| MEDFORD, OR (FHA|USDA|VA) | 4 | $3,190,000 | $797,500 | $2,533 | 3.97% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 10 | $3,180,000 | $318,000 | $1,606 | 3.01% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 12 | $3,150,000 | $262,500 | $2,324 | 3.50% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 8 | $3,080,000 | $385,000 | $3,154 | 3.47% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 9 | $3,065,000 | $340,556 | $4,608 | 2.93% |
| MODESTO, CA (FHA|USDA|VA) | 8 | $3,040,000 | $380,000 | $2,585 | 3.59% |
| BOULDER, CO (FHA|USDA|VA) | 8 | $3,010,000 | $376,250 | $2,698 | 2.81% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 10 | $2,930,000 | $293,000 | $1,849 | 2.96% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 12 | $2,850,000 | $237,500 | $2,721 | 2.90% |
| ANCHORAGE, AK (FHA|USDA|VA) | 7 | $2,665,000 | $380,714 | $3,042 | 3.59% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 9 | $2,665,000 | $296,111 | $3,922 | 2.98% |
| GREELEY, CO (FHA|USDA|VA) | 6 | $2,470,000 | $411,667 | $1,526 | 2.94% |
| FORT COLLINS, CO (FHA|USDA|VA) | 7 | $2,425,000 | $346,429 | $1,775 | 2.82% |
| Kapaa, HI (FHA|USDA|VA) | 4 | $2,360,000 | $590,000 | $3,770 | 3.28% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 5 | $2,285,000 | $457,000 | $5,833 | 3.38% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 9 | $2,255,000 | $250,556 | $1,816 | 3.41% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 8 | $2,170,000 | $271,250 | $0 | 2.98% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 8 | $2,150,000 | $268,750 | $2,600 | 3.28% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 10 | $2,130,000 | $213,000 | $2,518 | 3.53% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 8 | $2,090,000 | $261,250 | $1,952 | 3.49% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 9 | $2,065,000 | $229,444 | $2,793 | 3.54% |
| SALEM, OR (FHA|USDA|VA) | 7 | $2,065,000 | $295,000 | $3,650 | 3.43% |
| Bozeman, MT (FHA|USDA|VA) | 5 | $2,015,000 | $403,000 | $1,524 | 3.05% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 8 | $1,980,000 | $247,500 | $2,368 | 3.29% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 7 | $1,965,000 | $280,714 | $2,314 | 3.17% |
| COLUMBIA, SC (FHA|USDA|VA) | 6 | $1,960,000 | $326,667 | $2,250 | 3.02% |
| Breckenridge, CO (FHA|USDA|VA) | 3 | $1,955,000 | $651,667 | $10,035 | 3.71% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 6 | $1,930,000 | $321,667 | $2,173 | 3.35% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 6 | $1,890,000 | $315,000 | $2,229 | 2.79% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 6 | $1,880,000 | $313,333 | $3,519 | 3.06% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 7 | $1,875,000 | $267,857 | $2,853 | 3.20% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $1,855,000 | $1,855,000 | $16,529 | 5.38% |
| PITTSBURGH, PA (FHA|USDA|VA) | 6 | $1,850,000 | $308,333 | $4,152 | 2.95% |
| BEND, OR (FHA|USDA|VA) | 6 | $1,840,000 | $306,667 | $2,057 | 3.02% |
| KNOXVILLE, TN (FHA|USDA|VA) | 5 | $1,805,000 | $361,000 | $1,786 | 3.00% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 7 | $1,805,000 | $257,857 | $2,450 | 3.19% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 6 | $1,720,000 | $286,667 | $3,047 | 2.81% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 4 | $1,620,000 | $405,000 | $2,394 | 3.00% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 6 | $1,580,000 | $263,333 | $2,242 | 3.48% |
| ASHEVILLE, NC (FHA|USDA|VA) | 5 | $1,535,000 | $307,000 | $1,779 | 2.97% |
| TUCSON, AZ (FHA|USDA|VA) | 7 | $1,515,000 | $216,429 | $2,280 | 3.44% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 5 | $1,465,000 | $293,000 | $9,201 | 4.00% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 4 | $1,400,000 | $350,000 | $1,579 | 2.84% |
| Sonora, CA (FHA|USDA|VA) | 4 | $1,400,000 | $350,000 | $1,150 | 3.03% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 5 | $1,375,000 | $275,000 | $3,434 | 3.05% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 4 | $1,370,000 | $342,500 | $2,989 | 3.00% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 4 | $1,360,000 | $340,000 | $1,582 | 2.87% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $1,355,000 | $451,667 | $6,209 | 3.54% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 2 | $1,350,000 | $675,000 | $9,360 | 4.50% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $1,295,000 | $431,667 | $3,123 | 3.46% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 7 | $1,295,000 | $185,000 | $1,734 | 3.24% |
| SANTA FE, NM (FHA|USDA|VA) | 3 | $1,275,000 | $425,000 | $2,291 | 2.87% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $1,265,000 | $1,265,000 | $9,764 | 5.38% |
| MERCED, CA (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $1,779 | 3.00% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $1,618 | 3.00% |
| MISSOULA, MT (FHA|USDA|VA) | 4 | $1,220,000 | $305,000 | $2,224 | 2.99% |
| Outside of Metro Areas | 5 | $1,185,000 | $237,000 | $2,716 | 2.72% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 5 | $1,185,000 | $237,000 | $2,847 | 2.95% |
| CHICO, CA (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $1,656 | 2.90% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 3 | $1,085,000 | $361,667 | $4,230 | 3.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 3 | $1,065,000 | $355,000 | $2,828 | 2.91% |
| Torrington, CT (FHA|USDA|VA) | 2 | $1,050,000 | $525,000 | $12,894 | 4.00% |
| ANN ARBOR, MI (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $1,496 | 3.31% |
| NILES, MI (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $1,299 | 3.00% |
| Clearlake, CA (FHA|USDA|VA) | 5 | $1,045,000 | $209,000 | $9,551 | 3.63% |
| Key West, FL (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $7,393 | 3.54% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $1,268 | 3.00% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $3,282 | 2.87% |
| Glenwood Springs, CO (FHA|USDA|VA) | 2 | $980,000 | $490,000 | $2,312 | 2.81% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $3,586 | 3.42% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $2,119 | 2.79% |
| BELLINGHAM, WA (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $4,037 | 3.00% |
| BATON ROUGE, LA (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $1,177 | 2.71% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $1,223 | 3.25% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $2,337 | 2.95% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $4,230 | 3.46% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $1,872 | 3.25% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $1,532 | 3.00% |
| POCATELLO, ID (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $2,119 | 3.33% |
| AKRON, OH (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $1,500 | 2.68% |
| ODESSA, TX (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $1,959 | 3.19% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $3,353 | 3.04% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $8,379 | 3.62% |
| RACINE, WI (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $1,218 | 3.04% |
| ST. CLOUD, MN (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $5,341 | 3.25% |
| Port Angeles, WA (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $1,484 | 3.17% |
| Fredericksburg, TX (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $3,862 | 3.31% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $3,779 | 3.24% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $1,158 | 2.75% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $1,991 | 3.25% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $2,685 | 2.66% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $2,733 | 3.12% |
| Vineyard Haven, MA (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $14,668 | 4.63% |
| TULSA, OK (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $2,409 | 3.31% |
| YAKIMA, WA (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $2,428 | 2.88% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $3,483 | 3.42% |
| Edwards, CO (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $1,537 | 2.81% |
| LINCOLN, NE (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $1,646 | 3.06% |
| Show Low, AZ (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $3,204 | 3.12% |
| ROCHESTER, NY (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $4,883 | 3.31% |
| EL CENTRO, CA (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $1,728 | 3.37% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $2,983 | 3.88% |
| BILLINGS, MT (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $2,406 | 3.24% |
| Ukiah, CA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $1,341 | 3.06% |
| Alexander City, AL (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $3,114 | 3.13% |
| SYRACUSE, NY (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $4,804 | 3.38% |
| Shelton, WA (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $1,446 | 3.19% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $1,634 | 2.88% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $3,475 | 2.96% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $2,694 | 3.06% |
| CHEYENNE, WY (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $2,013 | 2.93% |
| MADISON, WI (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $1,900 | 3.50% |
| Oxford, MS (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $1,236 | 3.24% |
| Granbury, TX (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $3,931 | 3.33% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $1,206 | 3.31% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $2,240 | 4.08% |
| FARGO, ND-MN (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $4,169 | 3.06% |
| Farmington, MO (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $3,602 | 3.06% |
| Winfield, KS (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $2,290 | 2.63% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,348 | 2.75% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $1,268 | 2.63% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $3,178 | 2.81% |
| LOUISVILLE, KY (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $1,955 | 3.54% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $1,116 | 2.25% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $3,996 | 3.12% |
| LOGAN, UT-ID (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $1,421 | 3.12% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $0 | 3.33% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $1,254 | 3.25% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,339 | 3.06% |
| LYNCHBURG, VA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $2,305 | 3.31% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $2,171 | 3.63% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,825 | 3.06% |
| GRANTS PASS, OR (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,895 | 2.93% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,186 | 3.06% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,347 | 3.25% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $1,148 | 2.75% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $2,847 | 2.75% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $1,265 | 2.88% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,456 | 3.81% |
| Boone, NC (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $1,787 | 2.99% |
| MADERA, CA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,757 | 3.69% |
| CASPER, WY (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,413 | 2.75% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,858 | 2.99% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,259 | 2.88% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $2,707 | 4.19% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,999 | 2.99% |
| REDDING, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $1,379 | 3.25% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,276 | 3.25% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $763 | 3.49% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,344 | 2.49% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $938 | 2.88% |
| Eufaula, AL-GA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $1,423 | 3.75% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $1,978 | 2.75% |
| Hailey, ID (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,529 | 2.49% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $1,321 | 2.99% |
| Urbana, OH (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,531 | 2.63% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $1,238 | 2.99% |
| TYLER, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,661 | 3.49% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $1,288 | 3.25% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,460 | 3.38% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $1,098 | 2.99% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $5,694 | 5.38% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $1,438 | 3.13% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $963 | 2.75% |
| Findlay, OH (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $1,688 | 3.25% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $1,013 | 2.49% |
| CHARLESTON, WV (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,088 | 3.87% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $7,566 | 3.49% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,101 | 3.38% |
| Juneau, AK (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,938 | 2.99% |
| Hood River, OR (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,724 | 3.49% |
| DOVER, DE (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,068 | 2.99% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,989 | 3.13% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,773 | 2.38% |
| Mason City, IA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $5,574 | 4.00% |
| Pahrump, NV (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $5,491 | 4.12% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $1,665 | 2.63% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,005 | 3.38% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $1,561 | 3.63% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,560 | 3.13% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,625 | 3.44% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,231 | 2.99% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,090 | 2.99% |
| Brookings, OR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,397 | 3.38% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,140 | 3.38% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $1,003 | 2.99% |
| Troy, AL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $1,423 | 3.38% |
| Fernley, NV (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $979 | 2.88% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,098 | 2.99% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,014 | 2.49% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,107 | 3.25% |
| Hudson, NY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,384 | 2.99% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,508 | 2.88% |
| The Dalles, OR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,871 | 2.88% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,038 | 3.38% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,622 | 3.38% |
| Durango, CO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,553 | 3.38% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,098 | 2.99% |
| Helena, MT (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,168 | 2.99% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,766 | 3.50% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,038 | 2.75% |
| AMES, IA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,653 | 2.49% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,878 | 3.38% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,751 | 3.63% |
| Payson, AZ (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,938 | 2.88% |
| Paducah, KY-IL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 4.38% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,905 | 2.88% |
| Chillicothe, OH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,693 | 2.75% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,111 | 5.13% |
| Washington, IN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,968 | 3.38% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,693 | 2.75% |
| MONROE, LA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,028 | 3.63% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,951 | 2.88% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,525 | 2.88% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,430 | 3.38% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,468 | 3.38% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,546 | 3.99% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,733 | 3.13% |
| Wauchula, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,697 | 3.25% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,338 | 3.25% |
| Pella, IA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,653 | 2.99% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,063 | 3.99% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,815 | 3.63% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 4.38% |
| McAlester, OK (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,176 | 2.75% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $4,731 | 3.75% |
| Searcy, AR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,278 | 3.38% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,157 | 3.49% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,963 | 3.49% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,844 | 3.13% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,804 | 3.13% |
| DALTON, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 5.38% |
| FAIRBANKS, AK (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,173 | 3.25% |
| Winnemucca, NV (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,065 | 4.88% |
| LIMA, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,463 | 3.63% |
| ENID, OK (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,195 | 3.25% |
| Emporia, KS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,661 | 3.25% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,921 | 3.75% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,856 | 3.63% |
| Batesville, AR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,173 | 4.13% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,354 | 4.13% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,554 | 5.38% |
| Houghton, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,507 | 4.49% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,055 | 4.99% |
| OCALA, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,710 | 4.25% |
| UTICA-ROME, NY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,569 | 3.75% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,952 | 4.88% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,975 | 3.75% |
| WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 5.63% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,924 | 4.25% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,843 | 5.25% |
| Ozark, AL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,545 | 4.75% |
| Marion, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,695 | 5.00% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,518 | 4.49% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,233 | 4.13% |
| St. Marys, PA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $3,844 | 5.99% |
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Product Mix
For 2020, Axos Bank's most frequently originated type of loan was Conventional, with 4,505 originations. Their 2nd most popular type was FHA, with 85 originations.
Loan Reason
For 2020, Axos Bank's most frequently cited loan purpose was Refi, with 2,465 originations. The 2nd most popular reason was Cash Out Refi, with 1,214 originations.
Loan Duration/Length
For 2020, Axos Bank's most frequently cited loan duration was 30 Year, with 3,878 originations. The 2nd most popular length was 15 Year, with 553 originations.
Origination Fees/Closing Costs
Axos Bank's average total fees were $6,157, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,522 originations.
Interest Rates
During 2020, Axos Bank's average interest rate for loans was 3.60%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,754 originations.
Loan Sizing
2020 saw Axos Bank place emphasis on $200k-400k loans with 2,308 originations, totaling $697,680,000 in origination value.
Applicant Income
Axos Bank lent most frequently to those with incomes in the $100k-150k range, with 1,261 originations. The second most popular income band? $150k-250k, with 1,118 originations.
Applicant Debt to Income Ratio
Axos Bank lent most frequently to those with DTI ratios of 20-30%, with 1,128 originations. The next most common DTI ratio? 30-36%, with 803 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications89.19%
Axos Bank has an average approval rate.
Pick Rate
Approvals leading to origination71.71%
Axos Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 4,656 | $2,936,420,000 | $630,674 |
Occupancy Type Mix
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| AXOS FINANCIAL, INC. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 4.2% |
| AXOS FINANCIAL, INC. | Conventional home mortgage | Closing on a mortgage | 1 | 4.2% |
| AXOS FINANCIAL, INC. | Conventional home mortgage | Struggling to pay mortgage | 6 | 25.0% |
| AXOS FINANCIAL, INC. | Conventional home mortgage | Trouble during payment process | 9 | 37.5% |
| AXOS FINANCIAL, INC. | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 1 | 4.2% |
| AXOS FINANCIAL, INC. | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 1 | 4.2% |
| AXOS FINANCIAL, INC. | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 4.2% |
| AXOS FINANCIAL, INC. | Other type of mortgage | Closing on a mortgage | 1 | 4.2% |
| AXOS FINANCIAL, INC. | Other type of mortgage | Struggling to pay mortgage | 1 | 4.2% |
| AXOS FINANCIAL, INC. | Other type of mortgage | Trouble during payment process | 2 | 8.3% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Axos Bank | 1000 Yard St Grandview Heights, OH 43212 | Full Service Cyber Office | $135,007 |
| Axos Bank | 4350 La Jolla Village Drive, Suite 140 San Diego, CA 92122 | Full Service Cyber Office | $9,331,769 |
| Axos Bank | 9205 West Russell Rd,suite 400 Las Vegas, NV 89148 | Full Service Cyber Office | $1,896,667 |
For 2020, Axos Bank had 3 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $628,349 |
| Net interest income | $528,449 |
| Total noninterest income | $87,389 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $4,260 |
| Trading account gains and fees | $76 |
| Additional Noninterest Income | $83,053 |
| Pre-tax net operating income | $324,176 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $225,955 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $225,955 |
| Minority interest net income | $0 |
| Net income | $225,955 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $225,955 |
Axos Bank's gross interest income from loans was $628,349,000.
Axos Bank's net interest income from loans was $528,449,000.
Axos Bank's fee based income from loans was $4,260,000.
Axos Bank's net income from loans was $225,955,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $99,900 |
| Provision for credit losses | $54,800 |
| Total noninterest expense | $236,862 |
| Salaries and employee benefits | $120,626 |
| Premises and equipment expense | $25,775 |
| Additional noninterest expense | $90,461 |
| Applicable income taxes | $98,221 |
| Net charge-offs | $25,217 |
| Cash dividends | $50,000 |
Axos Bank's interest expense for loans was $99,900,000.
Axos Bank's payroll and benefits expense were $120,626,000.
Axos Bank's property, plant and equipment expenses $25,775,000.
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 | 1.0% |
| Nonfarm, nonresidential loans | 2.0% |
| 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 | $11,667,556 |
| Deposits held in domestic offices | $11,667,556 |
| Deposits by Individuals, partnerships, and corporations | $10,756,943 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $785,038 |
| Deposits by Commercial banks and other depository institutions in U.S. | $125,575 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $1,722,141 |
| Demand deposits | $1,621,141 |
| Nontransaction accounts | $9,945,415 |
| Money market deposit accounts (MMDAs) | $6,701,679 |
| Other savings deposits (excluding MMDAs) | $1,432,218 |
| Total time deposits | $1,811,519 |
| Total time and savings deposits | $10,046,415 |
| Noninterest-bearing deposits | $2,227,994 |
| Interest-bearing deposits | $9,439,562 |
| Retail deposits | $9,799,344 |
| IRAs and Keogh plan accounts | $215,619 |
| Brokered deposits | $1,297,406 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $13,301,163 |
| Cash & Balances due from depository institutions | $1,110,308 |
| Interest-bearing balances | $1,088,519 |
| Total securities | $238,304 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $11,642,376 |
| Loan and leases loss allowance | $136,213 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $28,415 |
| Other real estate owned | $6,114 |
| Goodwill and other intangibles | $79,855 |
| All other assets | $195,791 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $13,301,164 |
| Total Liabilities | $12,097,008 |
| Total deposits | $11,667,556 |
| Interest-bearing deposits | $9,439,562 |
| Deposits held in domestic offices | $11,667,556 |
| % insured (estimated) | $80 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $313,707 |
| Subordinated debt | $0 |
| All other liabilities | $115,745 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $11,642,376 |
| Loan and leases loss allowance | $136,213 |
| Total loans and leases (domestic) | $11,778,589 |
| All real estate loans | $9,178,119 |
| Real estate loans in domestic offices | $9,178,119 |
| Construction and development loans | $1,174,061 |
| Residential 1-4 family construction | $435,235 |
| Other construction, all land development and other land | $738,826 |
| Loans secured by nonfarm nonresidential properties | $915,932 |
| Nonfarm nonresidential secured by owner-occupied properties | $57,762 |
| Commercial real estate & other non-farm, non-residential | $858,170 |
| Multifamily residential real estate | $2,498,853 |
| 1-4 family residential loans | $4,589,273 |
| Farmland loans | $0 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $961,507 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $336,363 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $268,655 |
| Other loans to individuals | $67,708 |
| All other loans & leases | $1,315,227 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $1,184,879 |
| 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 $11,642,376,000 of loans outstanding in 2020. $9,178,119,000 of loans were in real estate loans. $1,174,061,000 of loans were in development loans. $2,498,853,000 of loans were in multifamily mortgage loans. $4,589,273,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $268,655,000 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 | 39 | $23,519 | $603,051 |
| Nonfarm, nonresidential loans - $100-250k | 2 | $200 | $100,000 |
| Nonfarm, nonresidential loans - $250k-1MM | 37 | $23,319 | $630,243 |
| Commercial & Industrial, US addressed loans - <$1MM | 53 | $2,783 | $52,509 |
| Commercial & Industrial, US addressed loans - <$100k | 31 | $886 | $28,581 |
| Commercial & Industrial, US addressed loans - $100-250k | 14 | $996 | $71,143 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 8 | $901 | $112,625 |